TWI772537B - Mobile payment system with message function and method thereof - Google Patents

Abstract

The present invention provides a mobile payment system with a message function and a method thereof. By setting the message column and the identification column in the two-dimensional barcode, the consumer terminal can input transaction commodity information in the message column and the identification column respectively while making payment. With the identification information, you can interact with the sales side to achieve the functions of completing payment, consumer side identification and transaction demand description at one time.

Description

Mobile payment system with message function and method thereof

The present invention relates to a mobile payment system and method, in particular to a mobile payment system and method with a message function.

With the advancement of science and technology, people's transaction behavior has been evolving, from the original barter model to cash transactions. In response to the advent of the digital age, payment methods are gradually moving towards non-cash transactions. In recent years, there has been a trend of reducing the use of cash around the world, and they are scrambling to promote electronic payment solutions such as mobile payment, credit cards, and debit cards, in an attempt to eliminate paper money. Mobile payment applications with technological evolution are drastically affecting people's lives, and various business activities cannot be avoided.

Mobile payment will enable merchants to reduce the risk and cost of storing cash, and consumers can also enjoy the convenience of not having to carry cash, and experience the convenience and benefits brought by mobile finance; the new business model not only accelerates the transaction rate, revitalizes the economy, but also facilitates The government grasps the ins and outs of taxation and reduces the scale of the underground economy.

According to the statistics of the Institute of Industrial Intelligence (MIC) of the Information Industry Strategy Association, the Nordic countries are currently the least dependent on cash and have moved towards a "cashless society", and about half of the population in the UK and China use mobile payment; In most countries, such as the US dollar area, the euro area, and even my country, the usage ratio of mobile payment is still low, which shows that the mobile payment market still has great room for growth!

However, with the popularization of smartphones, the basic environment of "mobile payment" in my country has gradually taken shape. According to the report of the National Development Commission "105 Years Survey on Mobile Phone Holders' Digital Opportunities", among the online population, 94.6% own smartphones, and In 2010, the ratio of surfing the Internet through mobile phones (83.1%) surpassed that of computers (80.4%) for the first time; the report also pointed out that for every 100 people, on average, 64 people scanned QR codes through mobile phones, 46 people used mobile phones to shop online, and 35 people used mobile phones to complete Pay online.

In addition, with reference to the "Mobile Payment Consumer Survey" report released by the Information Industry Strategy Association (MIC) in February 2017, 80.2% of domestic consumers are willing to start or continue to use mobile payment in the future. 96.1% of users are mobile payment users, and 96.1% are willing to continue to use them; compared with cash or physical cards, the proportion of users who are willing to pay by mobile payment also increased from 59.4% in 2015 to 66.1% in 2016; the proportion of non-users It also climbed from 19.2% in 2015 to 30.0% in 2016.

It shows that the overall market's preference for mobile payment has increased significantly. Further analysis of mobile payment user behavior shows that QR Code (67.8%) is the most popular mobile payment solution chosen by users, followed by NFC (42.3%).

On the whole, QR Code payment has become the main application mode of O2O in the mobile payment era. The simple, fast and low-cost characteristics make QR Code widely and diversely used. Mobile phones with QR Code can be used, and the threshold is the lowest.

In addition, the acquirer in QR Code payment no longer needs to build a physical card swiping machine, so that various merchants can use QR Code to complete the collection, and the cost is low. Therefore, it can be expected that the QR Code payment application has great potential for development in the domestic mobile payment market.

However, while using QR Code for payment, the consumer end cannot interact with the sales end in a timely manner, so that after the QR Code payment is completed, the sales end still needs to ask the consumer end to provide relevant identification information and processing procedures for transaction requirements, thereby reducing the overall Transaction processing performance.

Therefore, after the QR Code payment is completed, it is necessary to further provide relevant identification information and the processing flow of transaction requirements, which is a problem to be overcome by those skilled in the relevant fields.

The main purpose of the present invention is to provide a mobile payment system with a message function and a method thereof, so that the consumer can interact with the seller through the setting of the message column and the identification column while making mobile payment, so that the payment can be completed at one time. , The function of consumer identification and transaction demand description.

In order to achieve the above-mentioned purpose, the present invention discloses a mobile payment method with a message function, the steps of which include: after a consumer terminal captures a two-dimensional barcode through an electronic device, The device displays a message column and an identification column; the electronic device inputs a transaction commodity information in the message column and an identification information corresponding to the consumer terminal in the identification column; the electronic device transmits the two-dimensional barcode and the transaction commodity information and the identification information to a payment platform, the payment platform sends a payment order to a payment financial institution after verifying the two-dimensional barcode; after the payment financial institution completes the transaction according to the payment order, the payment financial institution sends a transaction result to the payment platform; and the payment platform transmits the transaction result to a receiving financial institution and a sales terminal.

The present invention provides an embodiment, the content of which is a mobile payment method with a message function, wherein the step of transmitting the transaction result to a receiving financial institution and a sales terminal on the payment platform further comprises the step of: transmitting the payment platform The transaction commodity information and the identification information are sent to the sales terminal.

The present invention provides an embodiment of a mobile payment method with a message function, wherein the transaction commodity information further includes a transaction commodity name, a transaction commodity shipping information, a transaction commodity type or a transaction requirement.

The present invention provides an embodiment of a mobile payment method with a message function, wherein the identification information further includes a name information, a contact information, an account information or a transaction amount information.

The present invention provides an embodiment of a mobile payment method with a message function, wherein the message column further includes transaction attention information.

Furthermore, the present invention also discloses a mobile payment system with a message function, which includes: a consumer terminal, after retrieving a two-dimensional barcode through an electronic device, displaying a message column and an identification column on the electronic device, the The electronic device inputs a transaction commodity information in the message column and an identification information corresponding to the consumer terminal in the identification column; a payment platform receives the two-dimensional barcode, the transaction commodity information and the identification information transmitted by the electronic device After verifying the two-dimensional barcode and generating a payment order; a payment financial institution receives the payment order sent by the payment platform, and after completing the transaction according to the payment order, the payment financial institution sends a transaction result to the payment platform ; a receiving financial institution, which receives the transaction result sent by the payment platform; and a sales end, which receives the transaction result, the transaction commodity information and the identification information sent by the payment platform.

The present invention provides an embodiment, the content of which is a mobile payment system with a message function, wherein the transaction commodity information further includes a transaction commodity name, a transaction commodity shipping information, a transaction commodity type or a transaction requirement.

The present invention provides an embodiment of a mobile payment system with a message function, wherein the identification information further includes a name information, a contact information, an account information or a transaction amount information.

The present invention provides an embodiment of a mobile payment system with a message function, wherein the message column further includes a transaction attention message.

1: Consumer side

11: Trading commodity information

12: Identification information

13: Message column

14: Identification column

2: Payment platform

21: Payment Order

3: Payment Financial Institutions

31: Transaction Results

4: Receiving financial institutions

5: Sales side

S1-S5: Steps

Figure 1: It is a flow chart of the steps of an embodiment of the present invention; Figure 2: It is a schematic structural diagram of an embodiment of the present invention; and Figure 3: It is an embodiment of the present invention. Schematic diagram of the message column and identification column.

In order to enable your reviewers to have a further understanding and understanding of the features of the present invention and the effects achieved, I would like to accompany the examples and accompanying explanations. , so that after the payment is completed, the seller still needs to ask the consumer to provide the relevant identification information and the processing flow of transaction requirements, thereby reducing the overall transaction processing efficiency. Accordingly, the present invention proposes a mobile payment system with a message function and a method thereof to solve the problems caused by the prior art.

Hereinafter, a mobile payment system with a message function and a method thereof of the present invention will be further described, including the characteristics, the matched structure and the method thereof: Please refer to FIG. 1, which is the step flow of an embodiment of the present invention picture. As shown in the figure, a method for mobile payment with a message function of the present invention, the steps of which include: S1: After the consumer terminal captures the two-dimensional barcode through the electronic device, the message column and the identification column are displayed on the electronic device; S2: The electronic device inputs the transaction commodity information in the message column and the identification information corresponding to the consumer terminal in the identification column; S3: Electronic The device transmits the two-dimensional barcode, transaction commodity information and identification information to the payment platform. After the payment platform verifies the two-dimensional barcode, it transmits the payment order to the payment financial institution; S4: After the payment financial institution completes the transaction according to the payment order, the payment financial institution transmits the transaction result. to the payment platform; and S5: the payment platform transmits the transaction result to the receiving financial institution and the sales terminal.

As shown in step S1, after a consumer terminal 1 captures a two-dimensional barcode through an electronic device, a message column 13 and an identification column 14 (as shown in FIG. 3) are displayed on the electronic device, wherein the electronic device is It is a desktop computer, a notebook computer, a smart phone, a tablet computer or other devices with input, receiving and transmitting functions.

Then, as shown in step S2, the electronic device inputs a transaction commodity information 11 in the message column 13 and an identification information 12 corresponding to the consumer terminal 1 in the identification column 14, wherein the transaction commodity information 11 further includes a transaction Commodity name, a transaction commodity shipping information, a transaction commodity type or a transaction demand. The identification information 12 further includes a name information, a contact information, an account information or a transaction amount information. The transaction commodity information 11 to be filled in the message box 13 is set by a sales terminal 5 according to a transaction. And the message column 13 further includes transaction attention information (for example, the sales terminal 5 can leave a message in the message column 13 for the transaction attention information to be communicated with the consumer terminal 1).

Then, as shown in step S3, the electronic device transmits the two-dimensional barcode, the transaction commodity information and the identification information to a payment platform 2, and the payment platform 2 verifies the two-dimensional barcode in advance. When the verification result is correct, the payment platform 2 continues to transmit a payment command 21 to a payment financial institution 3 .

Also, as shown in step S4 , after the payment financial institution 3 completes the transaction according to the payment order 21 , the payment financial institution 3 transmits a transaction result 31 to the payment platform 2 .

Finally, as shown in step S5 , the payment platform 2 transmits the transaction result 31 to a receiving financial institution 4 and the sales terminal 5 . Wherein, the payment platform 2 further transmits the transaction commodity information 11 and the identification Distribute the information 12 to the sales terminal 5 . The receiving financial institution 4 and the paying financial institution 3 are located in the same financial institution or in different financial institutions.

Also, please refer to FIG. 2 , which is a schematic structural diagram of an embodiment of the present invention. As shown in the figure, a mobile payment system with a message function of the present invention includes: the consumer terminal 1 displays the message column 13 and the identification on the electronic device after retrieving the two-dimensional barcode through the electronic device column 14, the electronic device inputs the transaction commodity information 11 in the message column 13 and the identification information 12 corresponding to the consumer terminal 1 in the identification column 14; the payment platform 2 receives the two-dimensional data sent by the electronic device After the barcode, the transaction commodity information and the identification information, the two-dimensional barcode is verified and the payment order 21 is generated; the payment financial institution 3 receives the payment order 21 sent by the payment platform 2 and completes the payment order 21 After the transaction, the payment financial institution 3 transmits the transaction result 31 to the payment platform 2; the receiving financial institution 4 receives the transaction result 31 transmitted by the payment platform 2; and the sales terminal 5 receives the payment platform 2. The transaction result 31 is transmitted. And the payment platform 2 further transmits the transaction commodity information 11 and the identification information 12 to the sales terminal 5 .

Wherein, the electronic device is the desktop computer, the notebook computer, the smart phone, the tablet computer or other devices with input, receiving and transmitting functions. The transaction commodity information 11 further includes the transaction commodity name, the transaction commodity shipping information, the transaction commodity type or the transaction requirement. In addition, the identification information 12 further includes the name information, the contact information, the account information or the transaction amount information.

The following is a practical application description of one embodiment of the present invention: after the consumer terminal 1 captures the two-dimensional barcode through the electronic device, the message column 13 and the identification column 14 are displayed on the electronic device (as shown in FIG. 3 ). And when the consumer terminal 1 inputs the transaction commodity information 11 in the message column 13 and the identification information 12 corresponding to the consumer terminal 1 in the identification column 14 through the electronic device.

And send the two-dimensional barcode, transaction commodity information 11 and identification information 12 to the payment platform 2 through the electronic device. After the payment platform 2 verifies that the two-dimensional barcode is correct, a payment command 21 is generated and sent to the payment financial institution 3. The payment financial institution 3 After completing the transaction according to the payment order 21 , the payment financial institution 3 transmits the transaction result 31 to the payment platform 2 . Finally, the payment platform 2 transmits the transaction result 31 to the receiving financial institution 4 and the sales terminal 5 , and the payment platform 2 further transmits the transaction commodity information 11 and the identification information 12 to the sales terminal 5 . The receiving financial institution 4 and the paying financial institution 3 are located in the same financial institution or different financial institutions.

Therefore, the present invention is indeed novel, progressive and available for industrial use, and it should meet the requirements for patent application in my country's patent law.

However, the above descriptions are only preferred embodiments of the present invention, and are not intended to limit the scope of implementation of the present invention. All changes and modifications made in accordance with the shape, structure, features and spirit described in the scope of the patent application of the present invention are equivalent. , shall be included in the scope of the patent application of the present invention.

S1-S5: Steps

Claims (7)

A mobile payment method with a message function, the steps of which include: a sales terminal sets a transaction notice information in a message column of a two-dimensional barcode; after a consumer terminal retrieves the two-dimensional barcode through an electronic device, the electronic The device displays the message column and an identification column; the electronic device inputs a transaction commodity information in the message column and an identification information corresponding to the consumer terminal in the identification column; the electronic device transmits the two-dimensional barcode and the transaction commodity information and the identification information to a payment platform, the payment platform sends a payment order to a payment financial institution after verifying the two-dimensional barcode; after the payment financial institution completes the transaction according to the payment order, the payment financial institution sends a transaction result to the payment platform; and the payment platform transmits the transaction result to a receiving financial institution and the sales terminal. The method for mobile payment with a message function as described in item 1 of the scope of the application, wherein the step of transmitting the transaction result to a receiving financial institution and a sales terminal on the payment platform further comprises the step of: the payment transmits the transaction result. The transaction commodity information and the identification information are sent to the sales terminal. The mobile payment method with a message function as described in item 1 of the scope of the application, wherein the transaction commodity information further includes a transaction commodity name, transaction commodity delivery information, transaction commodity type or transaction demand. The mobile payment method with a message function as described in item 1 of the scope of the application, wherein the identification information further includes a name information, a contact information, an account information or a transaction amount information. A mobile payment system with a message function, comprising: a sales terminal setting a two-dimensional barcode, a message column, and transaction attention information; A consumer terminal, after retrieving a two-dimensional barcode through an electronic device, displays the message column and an identification column on the electronic device, and the electronic device inputs a transaction commodity information into the message column and one of the corresponding to the consumer terminal The identification information is in the identification column; a payment platform, after receiving the two-dimensional barcode, the transaction commodity information and the identification information transmitted by the electronic device, verifies the two-dimensional barcode and generates a payment order; a payment financial institution is After receiving the payment order transmitted by the payment platform and completing the transaction according to the payment order, the payment financial institution transmits a transaction result to the payment platform; a receiving financial institution receives the transaction result transmitted by the payment platform; and The sales terminal receives the transaction result, the transaction commodity information and the identification information transmitted by the payment platform. The mobile payment system with message function as described in item 5 of the scope of the application, wherein the transaction commodity information further includes a transaction commodity name, transaction commodity delivery information, transaction commodity type or transaction requirement. The mobile payment system with a message function as described in item 5 of the scope of the application, wherein the identification information further includes a name information, a contact information, an account information or a transaction amount information.

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