TWI755067B - Integrate multiple payment service application systems - Google Patents

Abstract

The present invention relates to an integrated multi-payment service application system. An integrated multi-payment service application system host connects a POS system and a mobile device via a network. The mobile device obtains and installs a mobile payment program including the first payment image code generation code information of a plurality of payment providers from the integrated multi-payment service application system host; wherein the mobile device executes the payment method according to a scan code provided by the POS system The mobile payment program generates a first specific payment image code corresponding to the scan code payment method according to the first payment image code generation code information for the POS system to obtain, and the POS system generates a first specific payment image code according to the first specific payment image code and A consumption amount information transmits a payment request information to the host of the integrated multi-payment service application system to complete the payment. This improves the convenience of using mobile payments.

Description

Integrate multiple payment service application systems

The present invention relates to a service application system, especially an integrated multi-payment service application system.

With the rapid development of mobile devices, the functions of the mobile devices are increasingly improved. As mobile devices are easy to carry and use, and almost everyone has one device, many mobile payment companies have sensed the huge business opportunity of using mobile devices for consumer payment, and have launched mobile payment applications one after another. Because people can use mobile payment to shop in physical stores without carrying cash, it not only brings convenience in use, but also changes people's consumption habits.

At present, mobile payment methods can be divided into two types: inductive payment or scanning code payment. For the inductive payment method, it is applied to a mobile device with a near field wireless communication (Near filed communication, NFC, hereinafter referred to as NFC) function. The user logs in the relevant information of the credit card in the mobile device, and makes payment in an inductive manner. As for the scanning code payment method, it can be applied to mobile devices with or without NFC function. The user installs the mobile payment program provided by the operator in the mobile device, and logs the relevant information of the credit card in the mobile payment program. When payment is required, open the corresponding mobile payment program through the mobile device, and generate the corresponding image code for payment. At present, scan code payment methods include Line Pay Money, Jiekou Payment, EasyPay, Taiwan Pay, Pi Wallet, OuPay, Orange Payment, etc.

With the increasing number of scan code payment methods, different stores provide scan code payment methods not necessarily the same. In order to cope with different payment methods by scanning the QR code, the user must pre-install multiple mobile payment programs in the mobile device. When checking out, first confirm with the store clerk that the payment method is provided by scanning the code. It takes time to search for the corresponding mobile payment program in the mobile device and open it, so as to generate the image code for the payment for the store clerk to scan the code. Complete payment. However, this method needs to install multiple mobile payment programs in advance, and ask for the corresponding mobile payment program at checkout, which causes inconvenience in use and affects the speed of checkout. If the user does not install the store to provide scanning code payment The mobile payment program corresponding to the method will not be able to checkout, which will cause more trouble in use.

In view of the above-mentioned problems in the prior art, at least one object of the present invention is to provide an integrated multi-payment service application system, by providing a mobile payment program that generates code information including payment codes of multiple payment providers. When the user is in use, he only needs to select the payment method by scanning the code through the mobile payment program, and then the corresponding payment image code can be generated and the payment can be made. Since there is no need to install multiple mobile payment programs in use, you do not need to spend time choosing a mobile payment program, and you do not need to worry about not being able to checkout if the corresponding mobile payment program is not installed. This improves the convenience of using mobile payments.

One of the main technical means adopted to achieve the above-mentioned purpose is to make the aforementioned integrated multiple payment service application system, which includes: a POS system for displaying a consumption amount information and providing a scan code payment method; an integrated multiple payment service application system a host connected to the POS system via a network and storing a mobile payment program including first payment image code generation code information of a plurality of payment providers; a mobile device connected to the integrated multi-payment service application system via the network The host is connected, and obtains and installs the mobile payment program; wherein, the mobile device executes the mobile payment program according to the scanning code payment method provided by the POS system, so as to generate the corresponding scanning code information according to the first payment image code. A first specific payment image code of the code payment method is obtained by the POS system, and the POS system transmits a payment request information to the integrated multi-payment service application system host according to the first specific payment image code and the consumption amount information to complete the payment.

Therefore, in terms of use, when the user purchases goods in the store, they take it to the counter of the store for checkout, and the store clerk calculates the amount of the goods purchased by the user through the POS system, and displays a consumption amount Information. The clerk of the store displays the provided scan code payment method through the POS system, or informs the user of the scan code payment method used, or the user confirms the provided scan code payment method to the store clerk.

The user can directly open the mobile payment program by operating the mobile device, and select the corresponding scan code payment method. The mobile device generates a first specific payment image code corresponding to the scan code payment method according to the corresponding one of the first payment image code generation code information. For example, if the scan code payment method provided by the store is street payment, then the first payment image code generation code information corresponding to street payment is selected from the first payment image code generation code information, and the corresponding street payment is generated. the first specific payment image code. Since the mobile payment program is integrated and includes the first payment image code generation code information, the user does not need to install different mobile payment programs in the mobile device one by one to generate corresponding payment image codes respectively. Thereby, the efficiency and convenience of use are improved.

In one embodiment, the first specific payment image code includes a user identification information and a deposit account information; the integrated multi-payment service application system host according to the consumption amount information and the first specific payment image code includes the User identification information, the deposit account information, and the consumption amount information deducted from the corresponding deposit account.

In one embodiment, after the integrated multi-payment service application system host deducts the consumption amount information from the corresponding deposit account, a checkout completion message is generated and sent to the POS system and the mobile device respectively.

In one embodiment, the host of the integrated multi-payment service application system generates an account balance notification message and sends it to the mobile device after sending the checkout completion information to the mobile device.

In one embodiment, the integrated multi-payment service application system host is further connected to a plurality of payment provider hosts via the network, so as to obtain an updated second payment image code generation code from the payment provider hosts respectively at a fixed time information, and send an update information to the mobile device according to the second payment image code generation code information, so that the mobile device generates code information according to the second payment image codes in the update information to replace the first payment The image code generates code information.

In one embodiment, the mobile device obtains a second specific payment image code, and processes it with the first payment image code generation code information to generate a first payment image code identification information; The amount information, the second specific payment image code, the identification information of the first payment image code, the user identification information and the deposit account information are sent to the integrated multi-payment service application system host to complete the payment.

In one embodiment, the integrated multi-payment service application system host performs processing with the first payment image code generation code information according to the second specific payment image code to generate a second payment image code identification information; when the The first payment image code identification information matches the second payment image code identification information, and the integrated multi-payment service application system host is based on the first payment image code identification information, the consumption amount information, the user identification information and the The deposit account information completes the payment.

In one embodiment, when the identification information of the first payment image code does not match the identification information of the second payment image code, the integrated multi-payment service application system host determines the identification information of the second payment image code and the consumption amount information according to the identification information of the second payment image code and the information of the consumption amount. , the user identification information and the deposit account information to complete the payment.

In one embodiment, the mobile device further receives, through a transmission protocol, an advertisement information sent by an advertisement push device, the advertisement information includes a scan code payment method discount information; the mobile device generates the payment image code according to the first payment image code. code information, and generate the first specific payment image code corresponding to the preferential information of the payment method by scanning the code for the POS system to obtain.

In one embodiment, the scan code payment method can be Line Pay Money, Jiekou Payment, EasyPay, Taiwan Pay, Pi Wallet, OuPay, Orange Payment; the first specific payment image code can be a QR code image code .

According to the above content, the mobile device obtains and installs the mobile payment program from the host of the integrated multi-payment service application system to obtain the first payment image code generation code information used by different payment operators to generate the payment image code; When checking out, the user executes the mobile payment program through the mobile device according to the scan code payment method provided by the POS system, so as to generate a corresponding one of the code information according to the first payment image code, and generate the corresponding scan code payment The first specific payment image code of the method is obtained by the POS system, and the POS system transmits a payment request information to the integrated multi-payment service application system host according to the first specific payment image code and the consumption amount information to complete the payment. In terms of use, since there is no need to install multiple mobile payment programs, you do not need to spend time choosing a mobile payment program, and you do not need to worry about not being able to checkout if the corresponding mobile payment program is not installed, thereby improving the convenience of using mobile payment. .

For an embodiment of the integrated multiple payment service application system of the present invention, please refer to FIG. 1 , which includes a POS (Point of Sale) system 10 , an integrated multiple payment service application system host 20 and more than one mobile device 30 . The integrated multi-payment service application system host 20 is connected to the POS system 10 and the mobile device 30 via a network.

Please refer to FIG. 2 together, further, the integrated multi-payment service application system host 20 is connected to a plurality of payment provider hosts 40 via the network. Wherein, the payment provider host 40 may be a server device.

In one embodiment, the POS system 10 is used to be placed in a store for scanning products and calculating amounts. The POS system 10 has a display function and is used to provide more than one scan code payment method, such as but not limited to Line Pay Money, Jiekou Payment, Youyou Pay, Taiwan Pay, Pi Wallet, OuPay, Orange Payment and other scan code payment methods .

In one embodiment, the integrated multi-payment service application system host 20 is owned by a banker, and can be formed by one server device, or by a plurality of server devices connected to perform different functions. The integrated multi-payment service application system host 20 stores a mobile payment program including first payment image code generation code information of a plurality of payment providers. Wherein, the first payment image code generation code information corresponds to a payment provider respectively. The payment operator uses the corresponding first payment image code generation code information to generate the corresponding payment image code. Therefore, the first payment image code generation code information is the generation code information used by the payment operator to generate the corresponding payment image code.

In one embodiment, the mobile device 30 is connected to the integrated multi-payment service application system host 20 through the network to download and install a mobile payment program including the first payment image code generation code information of a plurality of payment providers. After the user downloads the mobile payment program through the mobile device 30, a user identification information and a deposit account information corresponding to the user are registered in the mobile payment program. The user identification information includes, but is not limited to, name, date of birth, and ID number. The deposit account information includes but is not limited to the deposit account. The mobile device 30 can be a smart phone, a tablet computer, or a wearable smart device with networking function and camera function.

In use, after the user purchases goods in the store, they take it to the counter of the store for checkout, and the store clerk calculates the amount of the goods purchased by the user through the POS system 10, and displays a consumption amount information . The store clerk displays the provided scanning code payment method through the POS system 10, or informs the user of the scanning code payment method used, or the user confirms the provided scanning code payment method to the store clerk.

The user can directly open the mobile payment program by operating the mobile device 30 and select the corresponding scanning code payment method. The mobile device 30 generates a first specific payment image code corresponding to the scan code payment method according to the corresponding one of the first payment image code generation code information. For example, if the scan code payment method provided by the store is street payment, then the first payment image code generation code information corresponding to street payment is selected from the first payment image code generation code information, and the corresponding street payment is generated. the first specific payment image code. Since the mobile payment program is integrated and includes the first payment image code generation code information, the user does not need to install different mobile payment programs in the mobile device 30 one by one to generate corresponding payment image codes respectively. Thereby, the efficiency and convenience of use are improved.

In one embodiment, the first specific payment image code can be a QR code image code. The first specific payment image code includes the user identification information, the deposit account information, and a payment provider information.

The user provides the first specific payment image code generated by the mobile device 30 to the clerk of the store. The clerk of the store scans the first specific payment image code through the POS system 10 to obtain the first specific payment image code. The POS system 10 transmits a payment request information to the integrated multiple payment service application system host 20 according to the first specific payment image code and the consumption amount information to complete payment. The payment information includes the consumption amount information, the user identification information, the deposit account information and the payment provider information.

After receiving the payment request information, the integrated multi-payment service application system host 20 debits the corresponding deposit account according to the consumption amount information, the user identification information and the deposit account information contained in the first specific payment code. information about the consumption amount. The integrated multi-payment service application system host 20 correspondingly generates a checkout completion message, and transmits it to the POS system 10 and the mobile device 30 respectively for the store staff and users to confirm that the checkout has been completed. In addition, if the deposit in the corresponding deposit account is not enough to deduct the consumption amount information, the integrated multi-payment service application system host 20 correspondingly generates an insufficient account balance notification information, and transmits it to the POS system 10 and the mobile device 30 respectively, so as to for confirmation.

In one embodiment, after the integrated multiple payment service application system host 20 generates the checkout completion information and transmits it to the mobile device 30, the integrated multiple payment service application system host 20 further generates an account balance notification information and transmits it. to the mobile device 30 for the user's reference.

In another embodiment, after the integrated multiple payment service application system host 20 deducts the consumption amount information from the deposit account of the corresponding user, the integrated multiple payment service application system host 20 deducts the payment according to the payment provider information The consumption amount information is sent to the payment provider host 40 corresponding to the payment provider information among the payment provider hosts 40 via the network, so as to complete the payment. The corresponding payment provider host 40 allocates the deducted consumption amount information to the corresponding store operator.

In one embodiment, the integrated multi-payment service application system host 20 obtains the updated second payment image code generation code information from the payment provider hosts 40 at a fixed time. Alternatively, the payment operator hosts 40 respectively transmit the updated second payment image code generation code information to the integrated multi-payment service application system host 20 at the fixed time. The integrated multiple payment service application system host 20 generates code information according to the second payment image codes, and sends an update information to the mobile device 30 . When the mobile device 30 receives the update information, it replaces the first payment image code generation code information according to the second payment image code generation code information to update the payment image code generation code information for generating the payment image code . The code information is generated by regularly updating the payment image code to ensure the safety and effectiveness of use.

According to the above content, by integrating the code information for generating the first payment image codes corresponding to different payment providers into the mobile payment program, there is no need to install multiple mobile payment programs, nor does it take time to select a mobile payment program , and you don't need to worry about not being able to checkout if the corresponding mobile payment program is not installed, thereby improving the convenience of using mobile payment.

In addition, the mobile device 30 can generate a payment image code for scanning (scanned) for payment, and further, the mobile device 30 can also actively scan the corresponding payment image code (active scan) for payment. Specifically, the user can operate the mobile device 30 to activate a camera function of the mobile device 30 to obtain a second specific payment image code displayed by the POS system 10, or set it on a carrier (for example, but not It is limited to the second specific payment image code on the paper carrier, plate carrier, metal carrier, plastic carrier, etc.).

The mobile device 30 processes the first payment image code generation code information according to the second specific payment image code to generate a first payment image code identification information. The mobile device 30 transmits the consumption amount information, the second specific payment image code, the first payment image code identification information, the user identification information and the deposit account information to the integrated multi-payment service application system host 20 to complete the payment. Wherein, the first payment image code identification information includes the payment provider information.

The integrated multi-payment service application system host 20 deducts the consumption amount information from the corresponding deposit account according to the consumption amount information, the user identification information and the deposit account information. The integrated multi-payment service application system host 20 correspondingly generates the checkout completion information, and transmits it to the POS system 10 and the mobile device 30 respectively for the store staff and users to confirm that the checkout has been completed. In addition, if the deposit in the corresponding deposit account is not enough to deduct the consumption amount information, the integrated multi-payment service application system host 20 correspondingly generates an insufficient account balance notification information, and transmits it to the POS system 10 and the mobile device 30 respectively, so as to for confirmation. In addition, after the integrated multiple payment service application system host 20 generates the checkout completion information and transmits it to the mobile device 30, the integrated multiple payment service application system host 20 further generates the account balance notification information and transmits it to the mobile device 30 for user reference.

Further, in order to improve the payment accuracy of the active scanning performed by the mobile device 30, the integrated multi-payment service application system host 20 processes the second specific payment image code and the first payment image code to generate code information to generate the code information. A second payment image code identification information is generated. The integrated multi-payment service application system host 20 compares the second payment image code identification information with the first payment image code identification information. When the result of the comparison is that the two match, the integrated multi-payment service application system host 20 deducts the information according to the first payment image code identification information, the consumption amount information, the user identification information and the deposit account information to complete the payment. The integrated multi-payment service application system host 20 allocates the deducted consumption amount information to the payment provider corresponding to the payment provider information in the first payment picture code identification information according to the first payment picture code identification information. If the result of the comparison is that the two do not match, the integrated multi-payment service application system host 20 deducts the payment information according to the consumption amount information, the second payment image code identification information, the user identification information and the deposit account information. to complete the payment. The integrated multi-payment service application system host 20 allocates the deducted consumption amount information to the payment provider corresponding to the payment provider information in the second payment picture code identification information according to the second payment picture code identification information.

For another embodiment of the present invention, please refer to FIG. 3 . The content of this embodiment is substantially the same as that of the above-described embodiment. In this embodiment, the mobile device 30 is further connected to an advertisement pushing device 50 via a transmission protocol, so as to receive an advertisement information pushed by the advertisement pushing device 50 . In addition, the POS system 10 can also be connected to the advertisement pushing device 50 to control the content of the advertisement pushed by the advertisement pushing device 50 . Wherein, the advertisement information includes corresponding preferential information of the one-scan code payment method. The advertisement pushing device 50 can be an iBeacon device. The transport protocol can be a Bluetooth protocol.

When the user goes to the store, he can activate a Bluetooth function by operating the mobile device 30 to receive the advertisement information. When checking out, the user can directly select the corresponding scan code payment method according to the scan code payment discount information in the received advertisement information, and the mobile device 30 generates the corresponding code information according to the first payment image codes. One is to generate the first specific payment image code corresponding to the preferential information of the scan code payment method for the POS system 10 to obtain. The POS system 10 transmits the payment request information to the integrated multiple payment service application system host 20 according to the first specific payment image code and the consumption amount information to complete payment. The advertisement pushing device 50 is used to push relevant advertisement information for the user to refer to through the mobile device 30, so that when the user checks out, the payment method discount information contained in the advertisement information can be obtained by scanning the QR code. Directly select the corresponding scan code payment method to make payment. This enhances the convenience of use. In addition, by providing corresponding discounts in an instant and effective way, it helps users to quickly complete the payment within the limited time of impulse purchases, so as to improve the user experience. Furthermore, for stores, providing valuable feedback to users in an efficient manner can stimulate users' willingness to spend, and can also bring huge business opportunities and increase turnover.

10: POS System 20: Integrate multiple payment service application system hosts 30: Mobile Devices 40: Payment provider host 50: Advertising push device

FIG. 1 is an architectural block diagram of an application system integrating multiple payment services according to an embodiment of the present invention. FIG. 2 is an architectural block diagram of an application system integrating multiple payment services according to an embodiment of the present invention. FIG. 3 is an architectural block diagram of an application system integrating multiple payment services according to an embodiment of the present invention.

10: POS System

20: Integrate multiple payment service application system hosts

30: Mobile Devices

Claims (9)

An integrated multiple payment service application system, comprising: a POS system for displaying a consumption amount information and providing a scan code payment method; an integrated multiple payment service application system host connected to the POS system via a network and storing a mobile payment program including first payment image code generation code information of a plurality of payment providers; a mobile device connected to the integrated multi-payment service application system host via the network, and obtaining and installing the mobile payment program; wherein, The mobile device executes the mobile payment program according to the scan code payment method provided by the POS system to generate a first specific payment image code corresponding to the scan code payment method according to the first payment image code generation code information for the POS Obtained from the system, the POS system transmits a payment request information to the integrated multi-payment service application system host according to the first specific payment image code and the consumption amount information to complete the payment; wherein the mobile device further receives an advertisement push through a transmission protocol An advertisement information sent by the device, the advertisement information includes a scan code payment method preferential information; the mobile device generates code information according to the first payment image codes, and generates the first specific payment image corresponding to the scan code payment method preferential information code for the POS system to obtain. The integrated multiple payment service application system according to claim 1, wherein the first specific payment image code includes a user identification information and a deposit account information; the integrated multiple payment service application system host is based on the consumption amount information and the The user identification information and the deposit account information contained in the first specific payment image code, and the consumption amount information is debited from the corresponding deposit account. The integrated multiple payment service application system according to claim 2, wherein after the integrated multiple payment service application system host deducts the consumption amount information from the corresponding deposit account, a checkout completion information is generated and sent to the POS system respectively and the mobile device. The integrated multiple payment service application system according to claim 3, wherein the integrated multiple payment service application system host generates an account balance notification information and transmits it to the mobile device after sending the checkout completion information to the mobile device. The integrated multiple payment service application system according to claim 4, wherein the integrated multiple payment service application system host is further connected to a plurality of payment provider hosts via the network, so as to obtain updates from the payment provider hosts at a fixed time. a second payment image code generated code information, and send an update information to the mobile device according to the second payment image code generation code information, so that the mobile device generates the second payment image code according to the update information code information to replace the first payment image codes to generate code information. The integrated multi-payment service application system of claim 5, wherein the mobile device obtains a second specific payment image code, and processes the code generation information with the first payment image code to generate a first payment image code Identification information; the mobile device transmits the consumption amount information, the second specific payment image code, the first payment image code identification information, the user identification information and the deposit account information to the integrated multi-payment service application system host to complete the payment. The integrated multiple payment service application system according to claim 6, wherein the integrated multiple payment service application system host processes the generated code information with the first payment image codes according to the second specific payment image code to generate a first payment image code. 2. Payment image code identification information; when the first payment image code identification information matches the second payment image code identification information, the integrated multi-payment service application system host according to the first payment image code identification information, the consumption amount information, the user identification information and the deposit account information to complete the payment. The integrated multiple payment service application system according to claim 7, wherein when the first payment image code identification information does not match the second payment image code identification information, the integrated multiple payment service application system host pays according to the second payment Image code identification information, the consumption amount information, the user identification information and the deposit account information to complete the payment. The integrated multi-payment service application system according to claim 8, wherein the scan code payment method can be Line Pay Money, Jiekou Pay, Youyou Pay, Taiwan Pay, Pi Wallet, OuPay, Orange Pay; the first specific payment The image code can be a QR code image code.

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