TWI718605B - Method and system for mobile payment management - Google Patents

Abstract

In a method and system for mobile payment management, a management server generates one or more barcodes that are assigned to a merchant and contain a link URL of the management server, and stores an institution identification code that represents a payment institution, and a link URL that corresponds to a payment server provided by the payment institution. When the management server receives, from a mobile device of a client of the payment institution, a payment request that includes the institution identification code, the link URL of the payment server, and the merchant identification data obtained from one of the barcode(s), the management server connects the payment server by using the stored link URL, and sends to the payment server a request that contains the merchant identification data, so that the payment server sends to the management server a unique identification code associated with the merchant identification data. The management server sends to the mobile device the identification code from the payment server.

Description

Mobile payment management method and system

The present invention relates to mobile payment, in particular to a mobile payment management method and system.

In response to the government's policy of "promoting the popularization of mobile payment", a variety of mobile payment services have been developed in the market, such as Jiekou Payment, Line Pay, Apple Pay, etc. Under the competition of mobile payment services among a hundred schools of thought, various payment institutions (for example, third-party payment institutions, banking institutions, etc.) are often limited by limited human resources when they develop their channels, resulting in poor promotion results. On the other hand, for various stores (for example, physical stores, virtual stores, unmanned stores, etc.) and/or service organizations (for example, public transportation institutions, hospital institutions, school institutions, etc.), if you want to provide various actions The payment method allows customers to have more choices when making payments, and it will be unavoidable to carry out complicated contracting procedures with each payment institution and relatively high cost of interface.

Therefore, how to come up with a mobile payment management method that has relatively low interface costs and labor costs and is conducive to the widespread use of mobile payments has become An important subject.

Therefore, an object of the present invention is to provide a mobile payment management method that can overcome at least one disadvantage of the prior art.

Therefore, a mobile payment management method provided by the present invention is used to manage mobile payments related to a merchant and a payment institution, and is executed by a management server, and includes the following steps: (A) Generate one or more assignments The barcode for the merchant, each of which contains at least the merchant's merchant identification data and the link URL of the management server, and stores an institution identification code that uniquely represents the payment institution and a corresponding institution identification code and is available To link to the URL of a payment server provided by the payment institution; (B) when a mobile device used by a customer from the payment institution is received and contains at least the institution identification code and is scanned by the mobile device Or when a payment request for the merchant identification data obtained by photographing one of the barcode(s) provided by the merchant, the link URL corresponding to the institution identification code contained in the payment request is used to establish a communication network Link with the payment server, and send an identification code request containing at least the merchant identification data contained in the payment request to the payment server, so that the payment server generates and stores in response to the identification code request A unique identification code associated with the merchant identification data and an identification code reply containing the identification code is sent to the management server; and (C) when the identification code reply is received from the payment server, Send the identification code to the mobile device.

Therefore, another objective of the present invention is to provide a mobile payment management system that can overcome at least one disadvantage of the prior art.

Therefore, a mobile payment management system provided by the present invention is used to manage mobile payments related to a merchant and a payment institution, and includes a management server. The management server includes a first communication module, a code generation module, a first storage module, and a processing module. The first communication module is connected to a communication network. The barcode generation module is used to generate one or more barcodes assigned to the merchant based on at least the merchant identification data of the merchant and the link URL of the management server. The first storage module stores an institution identification code uniquely representing the payment institution and a link URL corresponding to the institution identification code and which can be used to link to a payment server provided by the payment institution. The processing module is electrically connected to the first communication module, the barcode generation module, and the first storage module.

When the processing module receives via the first communication module from a mobile device used by the customer and contains at least the organization identification code, and the barcode (e.g.) provided by the merchant scanned or photographed by the mobile device When a payment request for the merchant identification data is obtained by one of them, the processing module obtains the linked URL stored in the first storage module according to the institution identification code contained in the payment request, and according to the linked URL Make the first communication module establish a connection between the communication network and the payment server, and send an identification code request including at least the merchant identification data contained in the payment request to the payment via the first communication module Server, so that the payment server generates and stores a unique identification data associated with the merchant in response to the identification code request The identification code and an identification code reply containing the identification code is sent to the management server.

When the processing module receives the identification code response from the payment server via the first communication module, it sends the identification code to the mobile device via the first communication module.

The effect of the present invention is that for customers using different mobile payment methods, when paying transaction/service payments to the merchant, the merchant needs to provide a customized barcode generated by the management server for the customer's mobile device to scan or After shooting, the management server will send the merchant identification data from the mobile device to the corresponding payment server, and provide the identification code from the corresponding payment server to the mobile device, and then the mobile device will The customer's identification data, authenticated payment information and the identification code are sent to the corresponding payment server. Therefore, both merchants and payment institutions can provide customers with a choice of different mobile payment methods at a relatively low intermediation cost and labor cost. In this way, it can effectively avoid the current failure to allow merchants to only allow limited mobile payment methods. The dilemma of payment makes it more convenient for customers to make payments, which not only effectively improves the performance of merchants, but also facilitates the widespread use of mobile payments.

100: Mobile Payment Management System

1: Management server

11: The first communication module

12: Barcode generation module

13: The first storage module

14: Processing module

2: mobile device

21: The second communication module communication network

22: Image capture module

23: The second storage module application

24: Touch display module

25: processing unit

3: payment server

4: Barcode

200: customer

S61~S67: Step

Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: FIG. 1 is a block diagram illustrating an exemplary mobile payment management system according to an embodiment of the present invention Implementation of the environment that can support mobile payment management; Figure 2 is a block diagram exemplarily showing the configuration of a management server of this embodiment during the registration phase; Figure 3 is a schematic diagram exemplarily showing the management The storage data content of a first storage module of the server; FIG. 4 shows a block diagram, exemplarily depicting the mobile device bound for mobile payment in this embodiment; Fig. 5 is a block diagram, exemplarily depicting It shows the mobile payment management system and a payment server when the embodiment is in use; and FIG. 6 is a flowchart illustrating how the mobile payment management system combines with a payment server to complete a mobile payment management process.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are denoted by the same numbers.

Referring to FIG. 1, the mobile payment management system 100 according to an embodiment of the present invention can be used to manage mobile payments related to multiple merchants and multiple payment institutions. In this embodiment, each merchant can be a store (for example, a physical store, a virtual store, an unmanned store), a service organization (for example, a public transportation organization, a hospital organization, a school organization, etc.), or an individual (for example, a mobile vendor , Personal network auctioneers, etc.), and each payment institution can It is a banking institution (for example, domestic banks, financial holding companies, etc.) or a third-party payment institution (for example, Alipay Internet Enterprise Co., Ltd., Jiekou Electronic Payment Co., Ltd., etc.). In addition, each payment institution provides a payment server for performing deduction operations. The mobile payment management system 100 includes a management server 1.

Referring to FIG. 2, the management server 1 includes, for example, a first communication module 11 that can be connected to a communication network, such as the Internet (not shown), a code generation module 12, and a first storage module 13 , And a processing module 14 electrically connected to the first communication module 11, the barcode generation module 12, and the first storage module 13.

Each merchant must complete the relevant registration procedures before using this mobile payment management service for the first time. For example, if the registration process is completed online, the first communication module 11 of the management server 1, for example, first receives a code request from the outside related to the merchant, and the barcode request includes the Merchant-related information. In this embodiment, the relevant information includes, but is not limited to, merchant identification data, product/service price data, customized merchant marketing data (for example, marketing product/service text advertisements and/or Marketing product/service link URL), the link data of a terminal designated by the merchant for message reception, etc.; then the processing module 14 responds to the barcode request and causes the barcode generation module 12 to make the barcode generation module 12 based on the merchant identification data, The commodity price data, the merchant’s marketing data and the link URL of the management server 1 generate one or more barcodes assigned to the merchant, and send the barcode(s) to the user via the first communication module 11 Terminal so that it can be provided to the merchant and can be used by the merchant in the future The barcode is presented in a variety of different ways. It is worth noting that the barcode(s) can be a two-dimensional barcode such as QR Code, but is not limited to this. For example, if the merchant provides multiple goods or services for sale at different specific prices and the product price data contains the specific prices, each barcode assigned to the merchant not only contains the merchant identification data and the merchant marketing data The destination URL of the management server 1 also contains data indicating the amount of the corresponding specific price. However, in other embodiments, the relevant information contained in the barcode request may not contain any commodity/service price information. In this case, the barcode generation module 12 only generates a single barcode based on the merchant identification data, the merchant marketing data, and the destination URL of the management server 1. In other words, the single barcode only contains the identification data of the merchant, the marketing data of the merchant, and the destination URL of the management server 1.

Similarly, each payment institution must complete related registration procedures before using this mobile payment management service. The first communication module 11 of the management server 1, for example, will first receive information about the payment from the outside. A service request of an institution, the service request includes, for example, a link URL of the payment server provided by the payment institution (which can be used to link to the payment server); then the processing module 14 responds to the service request and sends An institution identification code uniquely representing the payment institution and the URL corresponding to the institution identification code are stored in the first storage module 13 together. Therefore, when the management server 1 completes the registration procedures of all payment institutions, the first storage module 13 will store multiple (different from each other) merchant identification data representing all (registered) merchants, and multiple corresponding entries respectively. Linked data, multiple (other The difference and) respectively represent the institution identification codes of the payment institutions, and multiple URLs corresponding to the institution identification codes, as shown in FIG. 3.

On the other hand, for customers who want to use the mobile payment service provided by any payment institution, a mobile device (for example, a smart phone) can be used. As shown in FIG. 4, the mobile device includes, for example, a second communication module 21, an image capture module 22, a second storage module 23, a touch display module 24, and an electrical connection with the second communication module. The module 21, the image capturing module 22, the second storage module 23 and the processing unit 25 of the touch display module 24. The second communication module 21 is connected to the communication network (not shown). The mobile device installs an application program related to mobile payment provided by the payment institution when applying for the service, and stores the application program in the second storage module 23. After that, when the bound mobile device executes the application, the payment server of the payment institution will manage an electronic wallet or financial account owned by the customer in the payment institution, so that the electronic wallet or financial account Perform related deduction operations.

Hereinafter, referring to FIGS. 5 and 6, when a customer 200 of a third-party payment institution wants to pay with an electronic wallet owned by the third-party payment institution to purchase goods sold by a merchant in a physical store, for example, How the mobile payment management system 100 executes a mobile payment management procedure. In this case, the mobile payment management system 100 also includes a mobile device 2 held by the client 200, which may have a configuration similar to that shown in FIG. 4. The mobile payment management procedure includes the following steps S61 to S67.

First, in step S61, the processing unit 25 of the mobile device 2 borrows The execution of the application program causes the image capturing module 22 to scan or photograph a bar code 4 provided by the merchant, for example, a barcode label printed or affixed to the package of the product to obtain image data, which is then interpreted The image data obtains the merchant identification data contained in the barcode 4, the merchant marketing data, the link URL of the management server 1, and the amount data corresponding to a specific amount (that is, the selling price of the product), and makes the The second communication module 21 establishes a connection between the communication network and the management server 1 according to the link URL, and sends to the management server 1 through the second communication module 21 an organization including, for example, the third-party payment institution The identification code (which is provided by the application, for example), the merchant identification data, and the payment request for the amount data. In addition, it is worth noting that the processing unit 25 also enables the touch display module 24 to display the marketing data of the merchant for viewing by the customer 200 or for linking to other service websites.

Afterwards, when the processing module 14 of the management server 1 receives the payment request from the mobile device 2 via the first communication module 11, in step S62, the processing module 14 responds to the payment request The included organization identification code obtains a destination URL corresponding to the organization identification code from the destination URLs stored in the first storage module 13 (see FIG. 3), and makes the first communication module based on the destination URL. The group 11 establishes a connection between the communication network and a payment server 3 provided by the third-party payment institution, and sends an identification code request including, for example, the merchant identification data and the amount data included in the payment request through the first A communication module 11 is sent to the payment server 3. Therefore, the payment server 3 generates and stores an identification data with the merchant in response to the identification code request. A unique identification code associated with the amount data is expected, and an identification code response containing the identification code is sent to the management server (step S63). In this case, the payment server 3 may, for example, combine the identification code and the merchant (indicated by the merchant identification data), the payment amount and currency (indicated by the amount data) linked to the identification code. Temporarily stored in a work list (not shown), but not limited to this, for subsequent use. In this embodiment, the identification code can be, for example, a one-time code that is generated randomly or based on the payment amount contained in the amount data and contains text and/or numbers. In other words, the identification code is only relatively short. Time, such as 5 minutes.

Then, in step S64, when the processing module 14 of the management server 1 receives the identification code response from the payment server 3 via the first communication module 11, the processing module 14 identifies The code is sent to the mobile device 2 via the first communication module 11.

After that, in step S65, when the mobile device 2 receives the identification code from the management server 1, the processing unit 25 executes the application program and sends the identification data of the client 200 to the client The payment information of the 200 authenticated payment amount and the identification code are sent to the payment server together. Therefore, the payment server 3 can perform a transaction on the electronic wallet owned by the customer 200 based on the customer 200’s identity data, the payment information, and the merchant’s identification data associated with the identification code in accordance with the existing method. Deduction operation (that is, deduct the payment amount from the balance of the e-wallet), and after performing the deduction operation, send a message containing the merchant’s identification information The successful deduction of the material is notified to the management server 1 (step S66).

Finally, when the processing module 14 of the management server 1 receives the deduction success notification from the payment server 3 via the first communication module 11, in step S67, the processing module 14 executes according to the first communication module 11 The link data 13 stored in a storage module 13 and corresponding to the merchant identification data sends a deduction success message to the terminal (specified by the merchant during registration) via the first communication module 11. At this point, the mobile payment management program has been executed.

In summary, since the management server 1 can provide customized barcodes for multiple merchants, and can automatically connect with multiple payment servers provided by multiple payment institutions to achieve the transmission of identification codes related to mobile payments, Therefore, for customers using different mobile payment methods, when paying transaction/service payments to the merchant, the merchant only needs to provide the customized barcode generated by the management server 1 for the customer's mobile device to scan or photograph. The management server 1 will send the merchant identification data from the mobile device to the corresponding payment server, and provide the identification code from the corresponding payment server to the mobile device, and then the mobile device will send the customer's identity The identification data, authenticated payment information and the identification code are sent to the corresponding payment server. Therefore, both merchants and payment institutions can provide customers with a choice of different mobile payment methods at a relatively low intermediation cost and labor cost. In this way, it can effectively avoid the current failure to allow merchants to only allow limited mobile payment methods. The dilemma of payment makes it more convenient for customers to make payments, which not only effectively improves the performance of merchants, but also facilitates the widespread use of mobile payments. So it can indeed achieve the purpose of the invention.

However, the above are only examples of the present invention. When the scope of implementation of the present invention cannot be limited by this, all simple equivalent changes and modifications made in accordance with the scope of the patent application of the present invention and the content of the patent specification still belong to This invention patent covers the scope.

100: Mobile Payment Management System

1: Management server

11: The first communication module

12: Barcode generation module

13: The first storage module

14: Processing module

2: mobile device

21: The second communication module

22: Image capture module

23: The second storage module

24: Touch display module

25: processing unit

3: payment server

4: Barcode

200: customer

Claims (12)

A mobile payment management method is used to manage mobile payments related to a merchant and a payment institution, and is executed by a management server, and includes the following steps: (A) generate one or more barcodes assigned to the merchant, Each of them contains at least the merchant identification data of the merchant and the link URL of the management server, and stores an institution identification code representing the payment institution, and an institution identification code corresponding to the institution identification code and can be used to link to the payment institution provided (B) When receiving a mobile device used by a customer of the payment institution and containing at least the institution identification code, and the mobile device scanned or photographed by the mobile device provided by the merchant When a payment request for the merchant identification data obtained by one of the barcode(s) is used, the link URL corresponding to the institution identification code contained in the payment request is used to establish a communication network with the payment server Link, and send an identification code request containing at least the merchant identification data contained in the payment request to the payment server, so that the payment server generates and stores an identification code request in response to the identification code request. The merchant’s identification data is associated with the unique identification code, and an identification code response containing the identification code is sent to the management server; and (C) when the identification code response is received from the payment server, Send the identification code to the mobile device. The mobile payment management method according to claim 1, wherein: in step (A), each bar code also contains amount data corresponding to a specific amount; and In step (B), the payment request further includes the amount information obtained from the scanned or photographed barcode, and the identification code request also includes the amount information. The mobile payment management method according to claim 1 or 2, wherein, in step (A), each barcode also contains merchant marketing information related to the merchant for the mobile device to display after scanning or photographing the barcode Marketing information for this business. The mobile payment management method described in claim 1 is also executed by the mobile device, and the mobile device is installed with an application provided by the payment institution. Before step (B), it further includes the following steps: (D) With the mobile device, by running the application, scanning or shooting the bar code to obtain the merchant identification data and the link URL of the management server, and establish the link between the communication network and the management server according to the obtained link URL Link and send the payment request to the management server. The mobile payment management method as described in claim 4, after step (C), further includes the following steps: (E) when the mobile device receives the identification code from the management server, execute the The application program sends the customer’s identification data, authenticated payment information, and the identification code to the payment server, so that the payment server will use the customer’s identification data, the payment information, and the The merchant identification data associated with the identification code performs a deduction operation on a financial account or electronic wallet owned by the customer. The mobile payment management method according to claim 5, wherein, in step (A), the management server also stores the merchant identification data and corresponding to the merchant identification data It is used to link the link data of a terminal designated by the merchant, and after step (E), it also includes the following steps: (F) through the management server, after receiving the payment server and When the deduction success notification containing the merchant identification data is sent, a deduction success message is sent to the terminal according to the stored link data corresponding to the merchant identification data. A mobile payment management system is used to manage mobile payments related to a merchant and a payment institution, and includes a management server. The management server includes: a first communication module connected to a communication network; a code generation module Group, used to generate one or more barcodes assigned to the merchant based on at least the merchant's merchant identification data and the link URL of the management server; a first storage module, which stores an institution identification representing the payment institution Code, and a link URL that corresponds to the institution identification code and can be used to link to a payment server provided by the payment institution; and a processing module that is electrically connected to the first communication module, the barcode generation module, and the The first storage module; wherein, when the processing module receives a mobile device used by a customer via the first communication module and at least includes the organization identification code, and the mobile device scans or photographs the merchant When a payment request for the merchant identification data obtained by one of the provided barcode(s) is provided, the processing module obtains the stored in the first storage module according to the institution identification code contained in the payment request Destination URL, and make the first The communication module establishes the connection between the communication network and the payment server, and sends an identification code request including at least the merchant identification data contained in the payment request to the payment server via the first communication module, to Make the payment server generate and store a unique identification code associated with the merchant identification data contained in the identification code in response to the identification code request, and send an identification code response containing the identification code to the management server And wherein, when the processing module receives the identification code response from the payment server via the first communication module, the processing module sends the identification code to the mobile device via the first communication module . The mobile payment management system according to claim 7, wherein: each barcode generated by the barcode generation module also contains amount data corresponding to a specific amount; and the payment request received by the processing module further includes The amount data obtained by scanning or photographing the barcode provided by the merchant, and the identification code request sent by the processing module also includes the amount data. The mobile payment management system according to claim 7 or 8, wherein each barcode generated by the barcode generation module also contains merchant marketing data related to the merchant, so that the mobile device can scan or photograph the barcode after scanning or photographing the barcode. Display the marketing information of the business. The mobile payment management system according to claim 7, further comprising the mobile device, the mobile device comprising: a second communication module connected to the communication network; an image capturing module; and a second storage module for storing An application provided by the payment institution Program, the client’s identification data and the organization identification code; and a processing unit electrically connected to the second communication module, the image capture module and the second storage module; wherein the processing unit executes the The application stored by the second storage module enables the image capturing module to scan or photograph the barcode provided by the merchant to obtain the merchant identification data and the link URL of the management server, so that the second communication The module establishes a connection between the communication network and the management server according to the obtained link URL, and sends the payment request to the management server via the second communication module. The mobile payment management system according to claim 10, wherein, when the processing unit of the mobile device receives the identification code from the management server via the second communication module, the application program is executed to authenticate The payment information and the authorization code are sent to the payment server together, so that the payment server executes a payment order for a financial account or electronic wallet owned by the customer according to the payment information and the payment order corresponding to the authorization code Deduction operation. The mobile payment management system according to claim 11, wherein: the first storage module of the management server also stores the merchant identification data, and the merchant identification data corresponding to the merchant identification data and is used to link a user designated by the merchant The connection data of the terminal; and when the processing module of the management server receives a successful deduction notification from the payment server that contains the merchant identification data, according to the stored connection data corresponding to the merchant identification data , Sending a deduction success message to the user terminal via the first communication module.

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