TWI782264B - Proxy payment system and proxy payment method - Google Patents

Abstract

A proxy payment system and a proxy payment method are provided. The proxy payment method includes: transmitting, by a first user equipment (UE), a request message to a second UE; transmitting, by the second UE, a response message corresponding to the request message to the first UE, wherein the response message includes a payment tool corresponding to the second UE, wherein the payment tool is associated with a transaction rule; and performing, by the first UE, a transaction through the payment tool in response to the transaction rule matching with the transaction corresponding to the request message.

Description

Agent payment system and agent payment method

The present disclosure relates to a system and a method, and in particular relates to a proxy payment system and a proxy payment method.

Due to the increasingly diversified payment tools nowadays, many online shopping platforms and offline physical channels have begun to support multiple payment tools, such as credit cards, bank transfers or mobile payments. However, the threshold requirements for application conditions (such as age restrictions or economic conditions, etc.) required by each payment instrument are different. For example, users under the age of 20 need the assistance of a legal representative to open an account in a bank. For another example, the applicant for the main card of the credit card must be at least 20 years old, while the applicant for the supplementary card must be at least 15 years old. Users under the age of 20 must be signed by a legal representative before they can apply for a credit card.

Nowadays, most of the marketing activities of banks or online shopping platforms are aimed at the two payment channels of credit card or mobile payment. Most people choose to pay in cash due to reasons such as not having a credit card or mobile payment, and cannot enjoy relevant marketing discounts or credit card discounts. On the other hand, when minor children have payment needs, their caregivers can only meet the children's needs by giving cash. This makes it difficult for caregivers to keep track of where the money is going.

The present disclosure provides a proxy payment system and a proxy payment method, in which a second user equipment can remotely pay for a transaction of a first user equipment.

A proxy payment system disclosed in the present disclosure includes a first user equipment and a second user equipment. The second user equipment is communicatively connected to the first user equipment. The first UE sends the request message to the second UE. The second user equipment sends a response message corresponding to the request message to the first user equipment, wherein the response message includes a payment instrument corresponding to the second user equipment, wherein the payment instrument is associated with a transaction rule. The first user device conducts a transaction through the payment instrument in response to the transaction rule matching the transaction corresponding to the request message.

In an embodiment of the present disclosure, the above request message includes at least one of the following: transaction amount, transaction time, and transaction reason.

In an embodiment of the present disclosure, the above transaction rules include at least one of the following: an available transaction amount range and an available transaction time range.

In an embodiment of the present disclosure, the above-mentioned first user equipment performs data transmission with the second user equipment to obtain the permission to send the request message.

In an embodiment of the present disclosure, the above-mentioned first user equipment and the second user equipment respectively display user terms during data transmission, wherein the first user equipment completes the user agreement between the first user equipment and the second user equipment. Get permission after reading the terms.

A proxy payment method disclosed in the present disclosure is applicable to a proxy payment system including a first user equipment and a second user equipment, wherein the proxy payment method includes: the first user equipment transmits a request message to the second user equipment; the second user equipment transmitting a response message corresponding to the request message to the first user equipment, wherein the response message includes a payment instrument corresponding to the second user equipment, wherein the payment instrument is associated with a transaction rule; and the first user equipment responds to the transaction rule and corresponds to the request The transaction is matched by the message and the transaction is carried out through the payment instrument.

Based on the above, the second user equipment of the present disclosure can remotely pay for the transaction behavior of the first user equipment. After the second user equipment agrees to pay for the transaction being performed by the first user equipment, the second user equipment may transmit the payment tool to the first user equipment for use. The payment instrument can pay for the transaction through methods such as credit card payment, mobile payment, scanning payment or bank transfer payment.

FIG. 1 is a schematic diagram of an agent payment system 10 according to an embodiment of the present disclosure. The proxy payment system 10 may include a first user equipment 100 and a second user equipment 200 . In this embodiment, the second user equipment 200 may be communicatively connected to the first user equipment 100, and send a request message to the first user equipment 100 to request the first user equipment 100 to be (or will soon be) ) transactions for payment.

FIG. 2 is a schematic diagram of the first user equipment 100 according to an embodiment of the present disclosure. The first user equipment 100 may include a processor 110 , a storage medium 120 , a transceiver 130 and an input/output device 140 .

The processor 110 is, for example, a central processing unit (central processing unit, CPU), or other programmable general purpose or special purpose micro control unit (micro control unit, MCU), microprocessor (microprocessor), digital signal processing Digital signal processor (DSP), programmable controller, application specific integrated circuit (ASIC), graphics processing unit (graphics processing unit, GPU), image signal processor (image signal processor, ISP) ), image processing unit (image processing unit, IPU), arithmetic logic unit (arithmetic logic unit, ALU), complex programmable logic device (complex programmable logic device, CPLD), field programmable logic gate array (field programmable gate array , FPGA) or other similar components or combinations of the above components. The processor 110 can be coupled to the storage medium 120 , the transceiver 130 and the input/output device 140 , and access and execute multiple modules and various application programs stored in the storage medium 120 .

The storage medium 120 is, for example, any type of fixed or removable random access memory (random access memory, RAM), read-only memory (read-only memory, ROM), flash memory (flash memory) , hard disk drive (hard disk drive, HDD), solid state drive (solid state drive, SSD) or similar components or a combination of the above components, and are used to store multiple modules or various application programs executable by the processor 110 .

The transceiver 130 transmits and receives signals in a wireless or wired manner. The transceiver 130 may also perform operations such as low noise amplification, impedance matching, frequency mixing, up or down frequency conversion, filtering, amplification, and the like.

The I/O device 140 may include an input device such as a touch screen, a keyboard, or a mouse, and may include an output device such as a display or a speaker.

FIG. 3 is a schematic diagram of a second user equipment 200 according to an embodiment of the present disclosure. The second user equipment 200 may include a processor 210 , a storage medium 220 , a transceiver 230 and an input/output device 240 .

The processor 210 is, for example, a central processing unit, or other programmable general-purpose or special-purpose microcontroller units, microprocessors, digital signal processors, programmable controllers, application-specific integrated circuits, and graphics processors , image signal processor, image processing unit, arithmetic logic unit, complex programmable logic device, field programmable logic gate array or other similar components or a combination of the above components. The processor 210 can be coupled to the storage medium 220 , the transceiver 230 and the input/output device 240 , and access and execute multiple modules and various application programs stored in the storage medium 220 .

The storage medium 220 is, for example, any type of fixed or removable random access memory, read-only memory, flash memory, hard disk, solid-state hard disk or similar components or a combination of the above components, and is used for A plurality of modules or various application programs executable by the processor 210 are stored.

The transceiver 230 transmits and receives signals in a wireless or wired manner. The transceiver 230 may also perform operations such as low noise amplification, impedance matching, frequency mixing, up or down frequency conversion, filtering, amplification, and the like.

The input and output devices 240 may include input devices such as a touch screen, keyboard, or mouse, and may include output devices such as a display or speakers.

The first user equipment 100 may transmit a request message to the second user equipment 200 through the transceiver 130 to request the second user equipment 200 to pay for the ongoing (or upcoming) transaction of the first user equipment 100, wherein the request message includes, for example, the transaction Amount, time of transaction or purpose of transaction, but this disclosure is not limited thereto.

In an embodiment, the request message may further include business information. For example, the first user equipment 100 can scan a two-dimensional barcode provided by a merchant through a camera coupled to the processor 110 to obtain merchant information.

After receiving the request message from the first user equipment 100 , the second user equipment 200 can display the content of the request message to the user of the second user equipment 200 to read through the input and output device 240 . The user of the second user equipment 200 can determine whether to make payment for the first user equipment 100 according to the content of the request message.

In one embodiment, the first user equipment 100 must first obtain the permission to send the request message. For example, the first user equipment 100 can perform data transmission with the second user equipment 200 through the transceiver 130 to obtain the permission to send the request message. During the data transmission between the first user equipment 100 and the second user equipment 200 , the first user equipment 100 can display user terms through the input and output device 140 for the user of the first user equipment 100 to read. In addition, the second user equipment 200 can display user terms through the input and output device 240 for the user of the second user equipment 200 to read. After the user of the first user equipment 100 and the user of the second user equipment 200 both read and agree to the terms of use, the first user equipment 100 can obtain the permission for sending the request message.

If the user of the second user equipment 200 agrees to pay for the ongoing (or upcoming) transaction of the first user equipment 100 , the user of the second user equipment 200 may input an instruction representing consent through the input and output device 240 . The processor 210 may generate a response message corresponding to the request message according to the instruction, wherein the response message may include a payment tool corresponding to the second user equipment 200 . Then, the second UE 200 can send a response message to the first UE 100 through the transceiver 230 . The first user equipment 100 can conduct the transaction through the payment instrument in the response message.

In one embodiment, if the request message includes merchant information, the second user equipment 200 can complete the transaction being performed by the first user equipment 100 according to the merchant information without sending the payment instrument to the first user equipment 100 . For example, the second user equipment 200 can pay for the transaction being performed by the first user equipment 100 according to the credit card information pre-stored in the storage medium 220 .

In an embodiment, the payment instrument transmitted by the second user equipment 200 to the first user equipment 100 may be associated with a transaction rule. After the first user equipment 100 acquires the payment instrument, the first user equipment 100 can only use the payment instrument to pay for transactions that match the transaction rules. The first user device 100 may conduct the transaction through the payment instrument in response to the transaction rule matching the transaction corresponding to the request message. A transaction rule can contain a range of available transaction amounts or an available transaction time range. After the first user equipment 100 obtains the payment instrument, the first user equipment 100 can only use the payment instrument for transactions that meet the available transaction amount range or the available transaction time range. For example, the user of the second user equipment 200 can set the available transaction time range of the transaction rule of the payment instrument to be 11:00 am to 1:00 pm on weekdays, and the available transaction amount range to be 100 yuan. In this way, the user of the first user equipment 100 can only use the payment tool provided by the second user equipment 200 to purchase commodities below 100 yuan during weekdays from 11:00 a.m. to 1:00 p.m.

In one embodiment, the payment instrument may include virtual credit card information. After receiving the request message from the first user equipment 100, the second user equipment 200 may encrypt the credit card information pre-stored in the storage medium 220 according to the request message to generate virtual credit card information, wherein the virtual credit card information includes, for example Virtual credit card numbers, virtual expiration dates or virtual credit card security codes, etc. Then, the transceiver 230 of the second user equipment 200 can send the virtual credit card information to the first user equipment 100 by responding to the message. The first user equipment 100 can perform a transaction corresponding to the request message through virtual credit card information. For example, the user of the first user device 100 may input virtual credit card information into an API provided by the merchant's credit card company to pay the merchant.

In one embodiment, the payment instrument may include a proximity payment code. After receiving the request message from the first user equipment 100, the second user equipment 200 may generate an inductive payment code corresponding to the request message. For example, the second user equipment 200 may encrypt the credit card information pre-stored in the storage medium 220 according to the request message to generate an inductive payment code. Then, the transceiver 230 of the second user equipment 200 can transmit the inductive payment code to the first user equipment 100 by responding to the message. The first user equipment 100 can conduct a transaction corresponding to the request message by sensing the payment code. For example, the first user equipment 100 can transmit the signal of sensing the payment code to the merchant's scanner through the transceiver 130 to pay the merchant.

In one embodiment, the payment instrument may include a two-dimensional barcode. After receiving the request message from the first user equipment 100, the second user equipment 200 may generate a two-dimensional barcode corresponding to the request message. For example, the second user equipment 200 may encrypt the credit card information pre-stored in the storage medium 220 according to the request message to generate a two-dimensional barcode. Then, the transceiver 230 of the second user equipment 200 can send the two-dimensional barcode to the first user equipment 100 by responding to the message. The first user equipment 100 can perform a transaction corresponding to the request message through the two-dimensional barcode. For example, the first user equipment 100 can display the two-dimensional barcode to the merchant through the input and output device 140 . The merchant can use the scanner to scan the two-dimensional barcode displayed by the first user equipment 100 to obtain the money that should be paid to the merchant.

In one embodiment, the payment instrument may include an API for transferring funds. After receiving the request message from the first user equipment 100, the second user equipment 200 can generate an API according to the request message. The API may include a transfer-out account corresponding to the second user equipment 200 , wherein the transfer-out account may be pre-stored in the storage medium 220 , for example. Then, the transceiver 230 of the second UE 200 can send the API to the first UE 100 by responding to the message.

After receiving the application programming interface from the second user equipment 200, the first user equipment 100 can receive a user operation through the input and output device 140 to input the transfer account corresponding to the user of the first user equipment 100 into the application programming interface. . In addition, the first user equipment 100 can also receive user operations through the input and output device 140 to input transaction-related information (such as transaction amount or transaction time) into the API. After the API obtains the necessary information (ie: transfer into account and transfer out of account), the first user equipment 100 can transmit the completed API through the transceiver 130 to perform a transaction corresponding to the request message. For example, the first user equipment 100 may transmit the filled API to the server of the bank designated by the second user equipment 200 through the transceiver 130 . The bank can perform the transfer transaction according to information such as the transfer-in account and the transfer-out account from the API of the first user equipment 100 .

FIG. 4 shows a flowchart of a proxy payment method according to an embodiment of the present disclosure, wherein the proxy payment method can be implemented by the proxy payment system 10 shown in FIG. 1 . In step S401 , the first user equipment 100 sends a request message to the second user equipment 200 . In step S402 , the second user equipment 200 transmits a response message corresponding to the request message to the first user equipment 100 , wherein the response message includes a payment instrument corresponding to the second user equipment 200 , wherein the payment instrument is associated with a transaction rule. In step S403, the first user equipment 100 conducts a transaction through the payment instrument in response to the transaction rule matching the transaction corresponding to the request message.

To sum up, the second user equipment of the present disclosure can remotely pay for the transaction behavior of the first user equipment. After receiving the request message from the first user equipment, the second user equipment may determine whether to agree to pay for the transaction being performed by the first user equipment according to the content of the request message. If the second user equipment agrees to pay for the transaction being (or about to be) performed by the first user equipment, the second user equipment may transmit the payment instrument to the first user equipment for use. The payment instrument can pay for the transaction through methods such as credit card payment, mobile payment, scanning payment or bank transfer payment. The second user equipment may also set a transaction rule including an available transaction amount range or an available transaction time range, so as to provide the first user equipment with a more flexible payment tool.

10: Agent payment system 100: the first user equipment 110, 210: Processor 120, 220: storage media 130, 230: Transceiver 140, 240: input and output device 200: the second user equipment S401, S402, S403: steps

FIG. 1 is a schematic diagram of an agent payment system according to an embodiment of the present disclosure. FIG. 2 is a schematic diagram of a first user equipment according to an embodiment of the disclosure. FIG. 3 is a schematic diagram of a second user equipment according to an embodiment of the disclosure. FIG. 4 shows a flow chart of a proxy payment method according to an embodiment of the present disclosure.

S401, S402, S403: steps

Claims (5)

A proxy payment system, comprising: a first user equipment; and a second user equipment, communicatively connected to the first user equipment, wherein the first user equipment transmits a request message to the second user equipment, wherein the request message includes transaction amount, transaction time, and transaction reason; the second user equipment determines whether to agree to pay for the transaction corresponding to the request message according to the content of the request message; the second user equipment responds to agreeing to pay for the transaction paying for the transaction by sending a response message corresponding to the request message to the first user equipment, wherein the response message includes a payment instrument corresponding to the second user equipment, wherein the payment instrument is associated with a transaction rule; And the first user device conducts the transaction through the payment instrument in response to the transaction rule matching the transaction. The proxy payment system according to claim 1, wherein the transaction rules include at least one of the following: available transaction amount range and available transaction time range. The proxy payment system according to claim 1, wherein the first user equipment performs data transmission with the second user equipment to obtain the permission to transmit the request message. The proxy payment system according to claim 3, wherein the first user equipment and the second user equipment respectively display the The user terms, wherein the first user equipment obtains the permission after the first user equipment and the second user equipment finish reading the user terms. A proxy payment method, applicable to a proxy payment system including a first user equipment and a second user equipment, wherein the proxy payment method includes: transmitting a request message from the first user equipment to the second user equipment, wherein the The request message includes transaction amount, transaction time, and transaction reason; the second user equipment judges whether to agree to pay for the transaction corresponding to the request message according to the content of the request message; the second user equipment transmitting a response message corresponding to the request message to the first user device in response to agreeing to pay for the transaction, wherein the response message includes a payment instrument corresponding to the second user device, wherein the payment An instrument is associated with a transaction rule; and the transaction is conducted by the first user device through the payment instrument in response to the transaction rule matching the transaction.

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