TWI785093B - Payment system and method thereof - Google Patents

Abstract

The present disclosure provides a payment device. The electronic device includes an output interface, an acquiring interface, a paying interface and a transmitting interface. The acquiring interface can read the identified tag generated by an operating device, which the identified tag has a paying message and an amount of money corresponding to the paying message. The paying interface can receive a transfer instruction corresponding to the amount of money so as to output an accounting message. The transmitting interface can transmit the accounting message to an accounting server, which the accounting server determines whether transferring the amount of money successes or not in order to generate an update instruction. The transmitting interface can receive the update instruction and the output interface can output a feedback message according to the update instruction.

Description

Payment system and method thereof

The present disclosure relates to a method of paying fees, and further relates to a method of paying fees using a payment device.

Based on the advent of the Internet age, the phenomenon of consumers shopping through the Internet has increased significantly. For example, after placing an order through an online shopping platform, consumers can choose the delivery address of the goods, or choose to have the convenience store collect the goods first, and then the consumers go to pay and pick up the goods. Since the payment mechanism of consumers to Convenience Supermarkets is completed in cash, and at the same time, Convenience Supermarkets does not have a credible accounting record for the mechanism that Convenience Supermarkets re-delivers the funds received on behalf of the manufacturer, all account flow information are recorded manually.

Due to the mechanism of manually generating account flow, it often results in wrong account information or losses in a certain link. In view of this, avoiding errors in transaction information is an urgent problem to be solved.

According to an embodiment of the disclosed document, a payment device is disclosed. The payment device includes an output interface, a capture interface, a payment interface and a transmission interface. input interface. The retrieval interface is used to read the identification code generated by the operating device, wherein the identification code has payment information and amount data corresponding to the payment information. The payment interface is used to receive the remittance instruction corresponding to the amount data to output the account information. The transmission interface is coupled to the output interface, the capture interface and the payment interface. The transmission interface is used to transmit the accounting information to the accounting server, wherein the accounting server will determine whether the transfer of the amount of the accounting information is successful or not, so as to generate an update command correspondingly. Wherein, the transmission interface receives an update command from the accounting server, and the output interface outputs feedback information according to the update command. Wherein, the feedback information is a message that records the amount data of the payment information that has been paid.

According to another embodiment, a payment method is disclosed, which is applicable to a payment device. The payment device includes an output interface, a capture interface, a payment interface and a transmission interface. The transmission interface is coupled to the output interface, the capture interface and the payment interface. The payment method includes the following steps: the retrieval interface reads the identification code, wherein the identification code has payment information and amount data corresponding to the payment information. The payment interface receives the remittance instruction corresponding to the amount data to output the account information. The transmission interface transmits the account information to the server, and the account server will determine whether the transfer of the amount of the account information is successful or not, so as to generate an update command correspondingly. The transmission interface receives update commands from the accounting server. And, the output interface outputs feedback information according to the update command, wherein the feedback information records the information that the amount data of the payment information has been paid.

In order to make the above and other purposes, features, advantages and embodiments of the present disclosure more obvious and easy to understand, the accompanying symbols are explained as follows:

100:Payment system

110: payment device

111: Capture interface

113:Payment interface

115: Transmission interface

117: output interface

120: operating device

121: identification code

130: Intermediary system

500: Billing server

600: Manufacturer server

700: Financial control server

200, 300: payment method

S210, S220, S230, S240, S250, S251, S252, S260, S261, S262, S270: steps

When the following detailed description is read in conjunction with the accompanying drawings, it will help to better understand the aspect of the disclosed document. It should be noted that according to the practical requirements, the features in the drawings are not necessarily drawn to scale. In fact, the dimensions of the various features may be arbitrarily increased or decreased for clarity of discussion.

FIG. 1 is a schematic functional block diagram of a payment system according to some embodiments of the disclosure.

FIG. 2 shows a flow chart of the steps of a payment method according to some embodiments of the disclosed document.

FIG. 3 shows a flow chart of the steps of a payment method according to other embodiments of the disclosure document.

The following disclosure provides many different embodiments, or examples, for implementing different features of the invention. Specific examples of components and arrangements are described below to simplify the present disclosure. Of course, these examples are exemplary only and are not intended to be limiting. For example, in the following description, forming a first feature over or on a second feature may include embodiments where the first and second features are formed in direct contact, and may also include embodiments where the first and second features may be formed in direct contact. Embodiments where additional features are formed between features such that the first feature and features may not be in direct contact. In addition, the present invention may repeat element symbols and/or letters in each example. This repetition is for simplicity and clarity and does not in itself indicate a relationship between the various embodiments and/or configurations discussed.

Please refer to FIG. 1 , which shows a functional block diagram of a payment system 100 according to some embodiments of the present disclosure. As shown in FIG. 1 , the bill payment system 100 includes a bill payment device 110 , an operating device 120 and an intermediary system 130 . The payment device 110 includes a capture interface 111, a payment interface 113, a transmission medium Surface 115 and output interface 117. The transmission interface 115 is respectively coupled to the capturing interface 111 , the payment interface 113 and the output interface 117 . The operating device 120 is used to generate an identification code 121 with data through operation. The capture interface 111 can be a sensor or a tag reader capable of reading 1D barcodes, 2D barcodes (such as Quick Response Code, QR code) or Near Field Communication (NFC) tags.

In some embodiments, the payment device 110 is an automated teller machine (ATM) installed at a certain point (such as a Family Mart or a bank, etc.). In other embodiments, the payment device 110 is an automatic teller machine with a cash deposit function. The payment interface 113 can be configured in the above-mentioned automatic teller machine. This payment interface 113 has a deposit institution and can provide a deposit function. For example, the user can operate the cash transfer function key on the payment device 110. Open, or the mechanism for collecting coins can receive coins directly input by the user, and the payment interface 113 will add up the total amount of these banknotes and/or coins. After obtaining the total amount, the payment device 110 updates the information to the bank background, so that a new deposit information is added to the bank account into which the transfer is made, and the deposit (cash transfer) is completed. In some embodiments, the user can insert an ATM card into the payment device 110, and the payment device 110 is connected to the bank background, and through the transfer function, the amount of the user's bank account is transferred to the designated bank account to complete the payment. Deposit (ATM card transfer).

The operating device 120 can provide a plurality of payment functions, allowing the user to view and select the items to be paid through the display device (not shown) on the operating device 120 . The operating device 120 will generate an identification code 121 correspondingly according to the selected item (for example, payment of the billing fee), and the identification code 121 has a payment information and the amount data corresponding to the payment information. For example, if the clerk of a convenience store wants to pay the order fee received from the customer to the manufacturer, the user can first click on the operation device 120, and the operation device 120 will generate information related to the order (such as buyer name, seller name, etc.) Name, commodity item, transaction channel, commodity amount, bank account of the payee, etc.) identification code 121. The printed identification code can be a one-dimensional barcode or a two-dimensional barcode. After generating the identification code 121, the operating device 120 will print the identification code 121, or send the identification code 121 to other electronic devices (not shown) for display. Therefore, the user can hold the identification code 121 output by the operating device 120 (or the identification code 12 displayed on the aforementioned electronic device) to the capture interface 111 of the payment device 110, and the identification code 121 can be read by the capture interface 111. In some embodiments, the operating device 120 may be a multimedia machine (such as FamiPort) or other electronic devices capable of networking.

As shown in FIG. 1 , the transmission interface 115 of the payment device 110 is communicatively connected with the accounting server 500 , and the transmission interface 115 is used for sending and receiving data or instructions between the accounting servers 500 . The accounting server 500 communicates with the intermediary system 130 and the financial control server 700 respectively. The accounting server 500 is used to send the accounting-related result notification to the intermediary system 130, so that the intermediary system 130 can obtain the notification and instruct the vendor server 600 communicated with the intermediary system 130 to perform subsequent processing. On the other hand, the accounting server 500 will also send accounting-related results to the financial control server 700, and the financial control server 700 will perform inter-bank settlement and clearing of financial institution accounts, and monitor and manage money circulation . The detailed operation steps of the payment device 110 in Fig. 1 will be described later.

Please refer to FIG. 2 , which shows a flow chart of the steps of a payment method 200 according to some embodiments of the disclosure document. To clarify the payment For the payment method 200 implemented at 100, please refer to Figure 1 and Figure 2 together. The following embodiments will illustrate, for example, the steps and flow of information flow and account flow for payment service in Family Mart.

In some embodiments, the user wants to pay the collected amount to the relevant manufacturer. First, the user clicks on the service of paying the collection amount on the operating device 120 to generate an identification code 121 , and the related detailed operations are as described above. Then, the user puts the identification code 121 near the capture interface 111 of the payment device 110 . In step S210, the retrieval interface 111 reads the identification code 121, and identifies the payment information and amount data on the identification code 121. Wherein, the payment information is, for example, the information in the order, such as the name of the buyer, the name of the seller, the product item, the transaction channel, the amount of the product, the bank account of the payee, and the like. The amount data is, for example, the item amount in the order information.

Then, in some embodiments, the payment interface 113 will open its mechanism for collecting banknotes after obtaining the order information, and provide the user with the cash placed in the corresponding amount information. In some other embodiments, the payment interface 113 will determine whether the information of the user's ATM card is read, and further debit the ATM card account, and transfer the amount to the designated account. In step S220, the user uses the cash transfer function or the ATM card transfer function of the payment device 110, and the payment interface 113 receives a remittance instruction corresponding to the amount data to output the account information. The account information can be information related to information interaction between the payment device 110 and the bank background, such as the amount received, the amount debited by the ATM card, the amount debited by the credit card authorized, the bank account information of the payee, and the commodity item , ATM number, etc. Wherein, the payment interface 113 can be a cash deposit circuit of an automatic teller machine, an ATM card transfer circuit or a credit card authorized deduction circuit. For example, payment device The display screen (not shown) of 110 presents the payment amount read by the capture interface 111 and the credit account, and the display screen provides the user with the choice of the payment method he wants to pay. In the embodiment where the user chooses to transfer funds by cash, the payment interface 113 is an institution with a cash deposit function, and receives banknotes or coins that match the amount data put in by the user.

Next, step S230 is executed, and the transmission interface 115 transmits the accounting information to the accounting server 500 . In some embodiments, the account server 500 may be a bank background system to which the bank account of the payee recorded in the identification code 121 belongs, so as to access the money circulation of each bank account.

The accounting server 500 will send the accounting information to the financial control server 700, and the financial control server 700, which controls the security of the transaction environment, will perform inter-bank settlement and clearing of financial institution accounts, and monitor and monitor money circulation. manage. The financial control server 700 is, for example, an independent server of a financial company.

In step S240, after receiving the data, the accounting server 500 will determine whether the process of transferring the amount of the aforementioned accounting information is successful, so as to generate an update command correspondingly. The update command can be a message indicating the success or failure of the transaction. If the accounting server 500 judges that the transfer amount has been successfully transferred to the designated bank account, then, as in step S250, the accounting server 500 judges that the transfer of the amount of the aforementioned accounting information to the payee's bank account is valid, then the new Add the transfer amount and related transaction information to the recipient's bank account. At the same time, the account server 500 sends back an update command to the transmission interface 115 of the payment device 110 to notify the payment device 110 of the relevant information of successful transfer or remittance.

Next, in step S260, the output interface 117 of the payment device 110 outputs the feedback information according to the aforementioned update command, wherein the feedback information is A message that records the amount data of the payment information that has been paid, or a warning message that the transfer of the amount fails. For example, the output interface 117 can be a circuit or mechanism with a printing function, and the output interface 117 can further print a small white sheet with payment vouchers related to paid payment information (such as the successful transaction of the aforementioned payment collection amount message) or print a message that the transaction failed. In some other embodiments, the output interface 117 can send the payment voucher to the user's mobile device (not shown), so the payment device 110 does not need to print a paper receipt but also allows the user to receive the payment voucher.

Accordingly, the payment device 100 in this disclosed document will definitely deliver the correct amount to the payee's bank account through the hardware function of the payment device 101, thereby avoiding the general use of the point of sale terminal (Point of Sales, POS) system After reading the identification code 121, because the general POS machine can only record the data of swiping the barcode, and then manually count the corresponding amount, but this transfer collection method cannot ensure that the clerk puts the correct amount into the cash register The problem. On the other hand, store staff or users may obtain wrong remittance information due to fraudulent means, such as transferring the payee of the remittance to a fraudulent account, causing the store to suffer losses.

Please refer to FIG. 1 again, the intermediary system 130 is communicatively connected to the accounting server 500 for receiving accounting information from the accounting server 500 . In some embodiments, the billing server 500 and the intermediary system 130 may use a dedicated line for data transmission. After the intermediary system 130 receives the accounting information, the intermediary system 130 will send a notification to the manufacturer's server 600 corresponding to the accounting information, indicating to the manufacturer's server 600 that the aforementioned accounting server 500 has successfully received the information indicated by the accounting information. The amount is detailed below.

Please refer to FIG. 3 , which shows a flow chart of the steps of a payment method 300 according to other embodiments of the disclosed document. For a clearer description of the payment method 300 performed by the payment device 100, please refer to Figure 1 and Figure 3 together. The following embodiments will illustrate, for example, the information flow and account flow of paying related commodity fees at FamilyMart or purchasing game points, telecommunication service stored value points, electronic gift certificates or other stored value commodities at supermarkets. step process. Wherein, steps S210 to S250 in the payment method 300 are respectively the same as the above-mentioned payment method 200, and the same components and steps are described with the same symbols, and will not be repeated here.

After the account server 500 generates the update command, step S251 is executed, and the account server 500 sends the account information to the intermediary system 130 . In this step, the intermediary system 130 is notified that the account server 500 has successfully deposited the amount input by the user, that is, the payment status of the payee's bank account, and the corresponding amount has been confirmed by the account server 500 accounted for. Next, in step S252, the intermediary system 130 sends a notification to the vendor server 600, indicating that the billing server 500 has successfully collected the amount.

In the embodiment where the user purchases a physical product that needs to be sent by the manufacturer, the manufacturer's server 600 will not only receive the notification message that the payment is completed, but also receive the relevant information of the order, such as the name of the buyer, the name of the seller, the product item, transaction channel, product amount, etc., and the manufacturer will further send the purchased product to the designated address to the paying user.

On the other hand, in step S251, the account server 500 will also return the update command to the payment device 110, and execute step S260 as shown in FIG. The small white slip of the payment voucher of the information, and the completion of the user's payment of the relevant commodity fees in the supermarket process.

Returning to the aforementioned step S252, the intermediary system 130 sends a notification to the vendor server 600, indicating that the billing server 500 has successfully collected the amount. In the embodiment where the user purchases game points, the intermediary system 130 will first access the stored value serial number of the brand new game point card from the manufacturer's server 600 . Next, the intermediary system 130 returns the obtained stored value serial number to the account server 500, so that the account server 500 encodes the stored value serial number in the update command. Next, in step S261 , the account server 500 sends an update command to the transmission interface 115 of the payment device 110 . Then step S262 is executed, after the payment device 110 obtains the update command through the transmission interface 115, the payment device 110 decodes the update command, and obtains the message that the money has been successfully deposited, and the stored value serial number of the aforementioned brand new game point card. Next, the output interface 117 generates feedback information according to the updating command. For example, the output interface 117 prints out a small white slip with the payment voucher and the stored value serial number of the game point card in paper form.

In some other embodiments, the stored value serial number of the game point card may be pre-encoded in the identification code 121 generated by the operating device 120 . Therefore, in step S252 of the payment method 300, the intermediary system 130 only needs to notify the manufacturer's server 600 that the amount has been successfully collected, and does not need to store the stored value serial number from the manufacturer's server 600 and return the stored value serial number to the account. Server 500. At this time, in step S261, the update command sent by the account server 500 does not need to carry the stored value serial number. Therefore, in step S262, the payment device 110 can obtain the stored value serial number of the game point card in the identification code 121 according to the update instruction to be activated, so that the output interface 117 can directly output the stored value serial number and the payment voucher. It should be noted that the aforementioned stored value serial numbers that can be activated refer to the The approval of the user allows the user to use the stored value serial number normally without being rejected by the manufacturer's server 600 .

To sum up, the payment device 110, the payment method 200 and the payment method 300 of this disclosure document provide a more robust charging and payment mechanism, allowing business-to-business, general consumers to When performing collection and payment transactions, you can enjoy the convenience of automatically generating the payment identification code 121 for payment, simplifying the checkout process for consumers at the store. In addition, the payment mechanism provided in this disclosure document is to fully record the money flow and information flow between the payer and the payee through the automatic deposit and withdrawal machine with deposit and withdrawal functions, so as to ensure that the payee’s bank account has received Corresponding to the payment, firstly, except for the clerk who does not need to handle cash, it can reduce the risk of the store when keeping the cash, and can also reduce the labor work of the clerk. Second, because the checkout process is transferred to the payment device 110 to complete, the risk of being defrauded by the store is reduced. . Moreover, when the payee is a fraudulent group, the bank account can be frozen immediately to avoid the payer's money loss and minimize the damage. The commercial claim replaces the fee to ensure the soundness of the overall collection process.

The features of several embodiments are summarized above so that those skilled in the art can better understand aspects of the present invention. Those skilled in the art will appreciate that the present invention may be readily used as a basis for designing or modifying other processes and structures in order to carry out the same purposes and/or achieve the same advantages of the embodiments described herein. Those skilled in the art should also realize that such equivalent structures do not depart from the spirit and scope of the invention, and that various changes, substitutions and alterations can be made herein without departing from the spirit and scope of the invention.

100:Payment system

110: payment device

111: Capture interface

113:Payment interface

115: Transmission interface

117: output interface

120: operating device

121: identification code

130: Intermediary system

500: Billing server

600: Manufacturer server

700: Financial control server

Claims (10)

A payment system, comprising: a multimedia machine, used to provide multiple payment functions, and generate an identification code with payment information and an amount corresponding to the payment information according to the selected item; and an automatic teller machine , including: an extraction interface for reading the identification code generated by the multimedia machine; a payment interface with a depository institution, wherein when the extraction interface reads the payment information and the amount information of the identification code , the payment interface is used to execute a cash transfer or ATM card transfer, and to receive a remittance instruction corresponding to the amount data, so as to output an accounting information, so that after the retrieval interface reads the identification code, the deposit An institution receives money according to the amount information of the identification code or a bank account is debited according to the amount information of the identification code; a transmission interface is coupled to the retrieval interface and the payment interface, and the transmission interface is used to transmit the account transaction information to an accounting server, wherein the accounting server judges whether the transfer of the amount of the accounting information is successful or not, so as to generate an update command correspondingly; and an output interface, coupled to the transmission interface, wherein the output The interface outputs a feedback information according to the updating instruction, wherein the feedback information records a message that the amount data of the payment information has been paid. The bill payment system as described in Claim 1, wherein: an intermediary system communicates with the accounting server, wherein the intermediary system is used to receive the accounting information from the accounting server, and to correspond to the accounting information A manufacturer's server notifies the accounting server that the amount of the accounting information has been successfully received, and the intermediary system receives a stored-value serial number from the manufacturer's server. The payment system as described in Claim 2, wherein the intermediary system returns the stored value serial number to the account server, so that the update command generated by the account server includes the stored value serial number. The payment system as described in request item 2, wherein the output interface generates the feedback information according to the update command including: enabling the stored value serial number corresponding to the payment information, printing a payment voucher corresponding to the payment information, and printing the corresponding At least one of the stored value serial numbers of the payment information. The payment system as described in Claim 2, wherein the output interface generating the feedback information according to the update command includes: the output interface sending the payment voucher and the stored value serial number to a mobile device. A payment method, suitable for a payment system, wherein the payment device includes a multimedia machine and an automatic teller machine, the payment method includes: providing a plurality of payment functions through the multimedia machine, and generating a 1. payment information and an identification code of the amount data corresponding to the payment information; Read the identification code generated by the multimedia machine through a capture interface of the automatic teller machine; receive a remittance instruction corresponding to the amount data through a payment interface of the automatic teller machine to output an accounting information, so that After the retrieval interface reads the identification code, a depository institution of the payment interface receives money according to the amount information of the identification code or the bank account is debited according to the amount information of the identification code, wherein when the payment interface Read the payment information and the amount data of the identification code, execute a cash transfer or cash card transfer through a depository institution of the payment interface, so that the payment interface outputs the account information; through the automatic teller machine A transmission interface transmits the account information to a server, wherein the account server judges whether the transfer of the amount of the account information is successful or not, so as to generate an update command correspondingly; receiving the update instruction; and outputting feedback information according to the update instruction through an output interface of the automatic teller machine, wherein the feedback information records a message that the amount data of the payment information has been paid. The payment method as described in claim 6, wherein the method further includes: an intermediary system receives the accounting information from the accounting server, and notifies a vendor server corresponding to the accounting information that the accounting server has One of the amounts for this account information was successfully charged. The payment method as described in claim 7, wherein the method also Including: the intermediary system returns a stored value serial number corresponding to the payment information to the account server, so that the update command generated by the account server includes the stored value serial number. The payment method as described in claim 6, wherein the method also includes: according to the type of the identification code, printing a payment voucher corresponding to the payment information, printing a stored value serial number corresponding to the payment information, and enabling the corresponding At least one of the stored value serial numbers of the payment information. The payment method as described in Claim 9, wherein the method further includes: the output interface sends the payment voucher and the stored value serial number to a mobile device.

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