TWI795690B - Method and system for integrating financial payment platform - Google Patents

Abstract

The present invention provides a method and system for integrating a financial payment platform. When a consumer electronic device conducts a transaction on a transaction page of a sales server, the consumer electronic device will connect to the payment server after receiving the transaction information. The intermediary host will connect to the intermediary host, and the intermediary host will read the corresponding account information stored in the payment server in the corresponding consumer electronic device. At this time, the intermediary host will transmit the transaction information to the financial server corresponding to the account information, and finally the financial server will determine account information, and deduct the amount to be paid based on the transaction information. In this way, the sales server and the financial server do not need to be directly connected one by one, but the consumer electronic device can be used to debit the existing account information, increasing its convenience. and reduce development costs.

Description

Method and system for integrating financial payment platform

The invention relates to a method and system for integrating a financial payment platform.

With the diversified development of digital finance and the fact that most of the public have a mobile phone, their consumption patterns have gradually changed. Among them, the proportion of cash payment is decreasing year by year, while the proportion of plastic currency payment and mobile payment is increasing year by year. Such a change has also gradually changed people's habit of shopping in physical stores in the past, and what is coming is the popularity of online shopping.

Online shopping, also known as online shopping, is one of the forms of e-commerce transactions. Consumers purchase the desired goods or services on the Internet through a web browser. Since online shopping is not limited by time and place, there is no need to wait for physical stores The business hours are replaced by a 24-hour online storefront throughout the year, so you only need to operate on a mobile device or computer, click on the item you want to buy on the web page, and pay through plastic money or mobile payment or goods Go to the form of payment for checkout, and you can enjoy the delivery service.

And according to the Statistics Office of the Ministry of Economic Affairs, due to the rapid growth of the online shopping market in recent years, the e-shopping industry has grown at an annual rate of 4.8%, and has maintained positive growth for 11 consecutive years. The average annual growth rate of turnover is 7.4%, which is better than the overall retail sales. 1.9% of the retail industry and 5.6% of the non-store retail industry. Coupled with the improvement of mobile applications, the payment method is quite simple, and it has also greatly increased consumers' willingness to shop online.

However, in the online transactions of e-commerce, consumers need to pay through the payment methods limited by the sales end, such as only providing credit card deduction, etc. In this way, consumers must have a credit card to conduct transactions at the sales end. Or, even if deduction by financial card is provided, the seller still has to sign a contract with each financial institution one by one before linking to the deposit account designated by the consumer for actual transaction deduction. The direct connection method is costly and cannot cover All financial institutions, resulting in service gaps and inconveniences.

Based on the above content, it can be known that the present invention provides a method and system for integrating financial payment platforms. The intermediary host of the present invention can provide account information linking and deduction between the payment server and the financial server, and the consumer electronic device When the product is clicked on the sales server for checkout, it can be linked to the account information stored in the payment server of the consumer electronic device, so that the user can enjoy the convenience of online real-time payment of the financial account without applying for a credit card. At the same time, The point-of-sale server can also provide multiple payment methods, without the need to link and verify with each financial server one by one, greatly reducing the cost and verification process of the point-of-sale server directly connecting to various financial institutions, and providing consumer electronic devices to Existing financial accounts to make payments, while greatly increasing convenience.

An object of the present invention is to provide a method for integrating financial payment platforms, which provides account information link deduction between the payment server and the financial server, and when the consumer electronic device clicks on the product through the sales server to check out , can be linked to the account information stored in the payment server of the consumer electronic device, so that the sales server does not need to verify the connection with each financial server one by one, greatly reducing the cost of direct connection of the sales server to each financial institution And the verification process, and provide consumer electronic devices to pay with existing financial accounts, which greatly increases convenience.

Another object of the present invention is to provide a system for integrating financial payment platforms, the financial server of which can be connected to the payment server through an intermediary host to provide the sales server to support the transaction services of each financial server, greatly increasing its Convenience and reduced technology costs.

For the above purpose, the present invention provides a method for integrating financial payment platforms. A consumer electronic device is connected to a transaction page of a sales server; the consumer electronic device clicks on at least one product information on the transaction page to generate and send a transaction information; the consumer electronic device receives the transaction information and connects to a payment server; the payment server connects to an intermediary host, and the intermediary host reads the corresponding one account information; the intermediary host transmits the transaction information to a financial server corresponding to the account information; and the financial server confirms the account information and deducts a payment amount according to the transaction information.

The present invention provides an embodiment, wherein the payment server is connected to an intermediary host, and the intermediary host reads the corresponding account information stored in the payment server corresponding to the consumer electronic device, including the step of: the consumption The terminal electronic device enters the account information on a first agreement verification page of the payment server, and sends a first agreement verification request; the payment server transmits the first agreement verification request to the corresponding account information through the intermediary host The financial server; and the financial server performs agreed verification according to the first agreed verification request, and stores the account information to the payment server.

The present invention provides an embodiment, wherein in the step where the payment server transmits the first agreement verification request to the financial server corresponding to the account information through the intermediary host, the intermediary host, according to a link of the financial server The over-the-wire mechanism transmits the contract verification request.

The present invention provides an embodiment, the connection mechanism is a host connection or an application programming interface (Application Programming Interface, API).

The present invention provides another embodiment, wherein after the consumer electronic device clicks at least one commodity information on the transaction page to generate and transmit a transaction information, it includes the step of: the consumer electronic device clicks on a payment application a second agreed verification page to input the account information, and send a second verification request; the payment application transmits the second agreed verification request to the financial server corresponding to the account information through the intermediary host; and the financial server The device performs contract verification according to the second contract verification request, and stores the account information to the payment application program.

The present invention provides another embodiment, wherein after the steps of the financial server performing contract verification according to the second contract verification request and storing the account information to the payment application program, include the step of: the payment application program according to the transaction information Scan a barcode at the sales end, obtain a barcode information at the sales end, and send it to the intermediary host; and the intermediary host requests money from the financial server corresponding to the account information based on the bar code information at the sales end, and obtains one of the corresponding transaction information amount.

The present invention provides yet another embodiment, wherein after the steps of the financial server performing contract verification according to the second contract verification request, and storing the account information to the payment application program, include the step of: the payment application program according to the transaction information Generate a consumer-end barcode; the sales server scans the consumer-end barcode, obtains a consumer-end barcode information, and sends it to the intermediary host; and the intermediary host asks the financial server corresponding to the account information based on the consumer-end barcode information and obtain the amount corresponding to the transaction information.

For the above-mentioned another purpose, the present invention provides a system for integrating financial payment platforms, which includes: a sales server, which has a transaction page; a consumer electronic device, and the transaction page of the sales server link; a payment server, which is linked with the consumer electronic device; an intermediary host, which is linked with the payment server; and a financial server, which corresponds to an account information, and is linked with the intermediary host; The terminal electronic device clicks at least one product information on the transaction page to generate and transmit a transaction information, the consumer electronic device receives the transaction information, and the intermediary host reads the corresponding transaction information stored in the payment server corresponding to the consumer electronic device. For the account information, the intermediary host sends the transaction information to the financial server corresponding to the account information, and the financial server confirms the account information and deducts a payment amount according to the transaction information.

The present invention provides an embodiment, wherein the consumer electronic device inputs the account information on a first agreement verification page of the payment server, and sends a first agreement verification request, and the payment server transmits the first agreement verification request through the intermediary host An agreed verification request is sent to the financial server corresponding to the account information, and the financial server performs agreed verification according to the first agreed verification request, and stores the account information to the payment server.

The present invention provides an embodiment, wherein in the step where the payment server transmits the first agreement verification request to the financial server corresponding to the account information through the intermediary host, the intermediary host, according to a link of the financial server The wire mechanism transmits the first agreement verification request.

The present invention provides an embodiment, wherein the connection mechanism is a host connection or an application programming interface (Application Programming Interface, API).

The present invention provides another embodiment, which further includes a payment application, which is respectively connected to the consumer electronic device and the intermediary host, wherein the consumer electronic device enters the account information on a second agreed verification page of the payment application , and send a second verification request, the payment application transfers the second agreed verification request to the financial server corresponding to the account information through the intermediary host, and the financial server performs agreed verification according to the second agreed verification request , and save the account information to the payment application.

The present invention provides another embodiment, wherein the payment application program scans a sales terminal barcode according to the transaction information, obtains a sales terminal barcode information, and sends it to the intermediary host, and the intermediary host corresponds to the account information according to the sales terminal barcode information Request money from the financial server, and obtain an amount corresponding to the transaction information.

The present invention provides yet another embodiment, wherein the payment application program generates a consumer-end barcode based on the transaction information, the sales server scans the consumer-end barcode, obtains a consumer-end barcode information, and sends it to the intermediary host, and the intermediary host according to The consumer-end barcode information requests money from the financial server corresponding to the account information, and obtains the amount corresponding to the transaction information.

In order to enable your review committee members to have a further understanding and understanding of the characteristics of the present invention and the achieved effects, I would like to provide a better embodiment and a detailed description, as follows:

The conventional payment method needs to be directly connected to each financial server one by one through the sales server, and the consumer electronic device must be paid with each financial host directly connected to the sales server. Therefore, the present invention provides A method and system for integrating a financial payment platform, the payment server is connected to the financial server through an intermediary host, and the sales server supports the transaction services of each financial server, greatly increasing its convenience and reducing technical costs, making The sales server and the financial server do not need to be connected one by one, and at the same time, the consumer electronic device is provided with the existing financial account, which improves the convenience of the consumer.

Hereinafter, the present invention will be described in detail by illustrating various embodiments of the present invention by means of the accompanying drawings. Inventive concepts may, however, be embodied in many different forms and should not be construed as limited to the illustrative embodiments set forth herein.

First, please refer to the first figure, which is a flow chart of a method of an embodiment of the present invention. As shown in the figure, it is a method of integrating financial payment platforms, and its steps include:

Step S1: A consumer electronic device is connected to a transaction page of a sales server;

Step S3: The consumer electronic device clicks on at least one product information on the transaction page to generate and transmit a transaction information;

Step S5: The consumer electronic device receives the transaction information and connects to a payment server;

Step S7: The payment server is connected to an intermediary host, and the intermediary host reads an account information corresponding to the consumer electronic device stored in the payment server;

Step S9: the intermediary host sends the transaction information to a financial server corresponding to the account information; and

Step S11: The financial server confirms the account information and deducts a payment amount according to the transaction information.

Please also refer to the second figure, which is a system diagram of an embodiment of the present invention. As shown in the figure, it is a system integrating a financial payment platform, which includes a sales server 1, a consumer electronic device 2, a payment server 3, an intermediary host 4, and a financial server 5, wherein the sales server 1 has The transaction page A can be connected to the consumer electronic device 2 through the Internet; the payment server 3 is connected to the consumer electronic device 2, and the intermediary host 4 is connected to the payment server 3; and the financial server 5 corresponds to the account information 51 , and link with the intermediary host 4, and implement the method of integrating the financial payment platform with the system of the integrated financial payment platform, as follows.

As shown in step S1, in this embodiment, the consumer electronic device 2 is connected to the transaction page A of the sales server 1, wherein the consumer electronic device 2 includes but is not limited to a smart phone, a personal computer, a tablet computer or a notebook computer .

As shown in step S3, the consumer electronic device 2 clicks on at least one piece of product information on the transaction page A to generate corresponding transaction information, wherein the transaction information includes product information, billing information of the sales server 1 and information of the sales server. Forwarding instructions.

As shown in step S5, the consumer electronic device 2 receives the transaction information and connects to the payment server 3. Then, as shown in step S7, the payment server 3 connects to the intermediary host 4. At this time, the intermediary host 4 will read the information corresponding to the consumer terminal. The electronic device 2 stores the account information 51 corresponding to the payment server 3 .

As shown in step S9, the intermediary host 4 transmits the transaction information to the financial server 5 corresponding to the account information 51. Finally, as shown in step S11, the financial server 5 will confirm the account information 51 and deduct the payment amount according to the transaction information.

Referring back to the second figure, when the consumer electronic device does not store any account information 51 to the payment server 3, after step S5, the steps may include:

Step S51: The consumer electronic device enters the account information on a first agreed verification page of the payment server, and sends a first agreed verification request;

Step S53: the payment server transmits the first agreed verification request to the financial server corresponding to the account information via the intermediary host; and

Step S55: The financial server performs contract verification according to the first contract verification request, and stores the account information to the payment server.

As shown in step S51, when the consumer electronic device 2 has not stored any account information 51 in the payment server 3, the consumer electronic device 2 will link to the first agreement verification page of the payment server 3, and enter any account Information 51, and send the first agreement verification request, then as shown in step S53, the payment server 3 transmits the first agreement verification request to the financial server 5 corresponding to the account information 51 through the intermediary host 4.

Finally, as shown in step S55, after the financial server 5 performs contract verification according to the first contract verification request, it stores the input account information 51 to the payment server 3, and the contract connection is completed. At this time, the intermediary host 4 will be able to read Get the account information 51 corresponding to the consumer electronic device 1 stored in the payment server 3 , where the account information can also be a plurality of different account information 51 .

Please refer to the third figure and the fourth figure, which are the method flow chart and system schematic diagram of another embodiment of the present invention. As shown in the figure, the difference between this embodiment and the previous embodiment is that it uses the payment application APP, so it is more Further after step S3, steps are included:

Step S31: The consumer electronic device enters the account information on a second agreed verification page of a payment application, and sends a second verification request;

Step S33: the payment application transmits the second agreed verification request to the financial server corresponding to the account information via the intermediary host; and

Step S35: The financial server performs contract verification according to the second contract verification request, and stores the account information to the payment application.

As shown in step S31, the consumer electronic device 2 enters any account information 51 on the second agreement verification page of the payment application APP, and sends a second agreement verification request, and then as shown in step S33, the payment application APP The intermediary host 4 transmits the second agreed verification request to the financial server 5 corresponding to the account information 51 .

Finally, as shown in step S35, after the financial server 5 performs contract verification according to the second contract verification request, it stores the input account information 51 to the payment application program APP, and the contract connection is completed. At this time, the intermediary host 4 will be able to read Get the account information 51 corresponding to the consumer electronic device 1 stored in the payment application program APP, wherein the account information can also be multiple different account information 51 .

Referring back to the third figure, another embodiment of the present invention can further include steps after step S35:

Step S351: the payment application scans a barcode of the sales terminal according to the transaction information, generates a barcode information of the sales terminal, and sends it to the intermediary host; and

Step S353: The intermediary host requests money from the financial server corresponding to the account information according to the barcode information of the sales terminal, and obtains an amount corresponding to the transaction information.

As shown in step S351, the payment application APP scans the barcode of the sales terminal according to its transaction information, obtains the barcode information of the sales terminal and sends it to the intermediary host 4, wherein the barcode information of the sales terminal contains the financial account information used by the sales terminal for receiving transactions The amount paid by the consumer side, and continue. As shown in step S353, the intermediary host 4 requests money from the financial server 5 corresponding to the account information 51 according to the barcode information of the sales side, and obtains the amount.

Please refer to the fifth figure, which is another embodiment provided by the present invention. As shown in the figure, its difference from the previous embodiment is only after step S35, including steps:

Step S352: the payment application program generates a consumer-end barcode according to the transaction information;

Step S354: the sales server scans the barcode of the consumer end, obtains a barcode information of the consumer end, and sends it to the intermediary host; and

Step S356: The intermediary host requests money from the financial server corresponding to the account information according to the barcode information of the consumer terminal, and obtains the amount corresponding to the transaction information.

As shown in step S352, the third embodiment of the present invention is to use the payment application program APP to generate the barcode of the consumer end according to the transaction information, and then as shown in step S354, provide the sales server 1 to scan the barcode of the consumer end to obtain the barcode of the consumer end The information is sent to the intermediary host 4, where the barcode information on the consumer end has account information 51 and the amount corresponding to the transaction information.

Finally, as shown in step S356, the intermediary host 4 requests money from the financial server 5 corresponding to the account information 51 according to the barcode information of the consumer to obtain the amount.

In the embodiment described above, the present invention provides a method and system for integrating financial payment platforms, which can provide payment servers or payment application programs and account information link debits between payment servers and financial servers through intermediary hosts. When the transaction page of the device on the sales server is to be checked out, the intermediary host can be connected to read the account information stored in the payment server or payment application on the consumer electronic device, so that the user can enjoy financial benefits without applying for a credit card. The convenience of online real-time payment of the account, at the same time, the sales server does not need to link and verify with each financial server one by one, which greatly reduces the cost and verification process of the sales server directly connecting to various financial institutions, and provides consumer electronics The device pays with existing financial accounts, greatly increasing convenience.

Therefore, the present invention is novel, progressive and can be used in the industry. It should meet the patent application requirements of my country's patent law. I file an invention patent application in accordance with the law. I pray that the bureau will grant the patent as soon as possible. I am sincerely praying.

However, the above-mentioned ones are only preferred embodiments of the present invention, and are not used to limit the scope of the present invention. For example, all equal changes and modifications are made according to the shape, structure, characteristics and spirit described in the scope of the patent application of the present invention. , should be included in the patent application scope of the present invention.

1: Sales server 2: Consumer electronic devices 3:Payment server 4: Intermediary host 5: Financial server 51:Account Information A: Trading page APP: payment application S1-S356: Steps

The first figure: it is a method flow chart of an embodiment of the present invention; The second figure: it is a system schematic diagram of an embodiment of the present invention; The third figure: it is a method flow chart of another embodiment of the present invention; Figure 4: It is a system schematic diagram of another embodiment of the present invention; and The fifth figure: it is a flow chart of the method of another embodiment of the present invention.

S1-S11: Steps

Claims (14)

A method for integrating a financial payment platform, the steps comprising: a consumer electronic device is connected to a transaction page of a sales server; the consumer electronic device clicks on at least one commodity information on the transaction page to generate and send a transaction information, the transaction information has commodity information, billing information and forwarding instructions; the consumer electronic device receives the transaction information and connects to a payment server; the payment server connects to an intermediary host, and the intermediary host reads the information corresponding to the consumer An account information corresponding to the payment server stored in the electronic device; the intermediary host transmits the transaction information to a financial server corresponding to the account information; and the financial server confirms the account information and deducts one according to the transaction information. Payment amount. The method for integrating a financial payment platform as described in Claim 1, wherein after the consumer electronic device receives the transaction information and connects to a payment server, it includes the step of: connecting the consumer electronic device to one of the payment servers Input the account information on the first agreement verification page, and send a first agreement verification request; the payment server transmits the first agreement verification request to the financial server corresponding to the account information through the intermediary host; and the financial server The server performs contract verification according to the first contract verification request, and stores the account information to the payment server. The method for integrating a financial payment platform as described in Claim 2, wherein in the step where the payment server transmits the first agreement verification request to the financial server corresponding to the account information through the intermediary host, the intermediary host according to A connection mechanism of the financial server sends the first agreement verification request. The method for integrating a financial payment platform as described in Claim 3, wherein the connection mechanism is a host connection or an application programming interface (Application Programming Interface, API). The method for integrating a financial payment platform as described in Claim 1, wherein after the consumer electronic device clicks at least one piece of commodity information on the transaction page to generate and transmit a transaction information, it includes the step of: the consumer electronic device Entering the account information on a second agreed verification page of a payment application, and sending a second verification request; the payment application sends the second agreed verification request to the financial server corresponding to the account information via the intermediary host and the financial server performs contract verification according to the second contract verification request, and stores the account information to the payment application program. The method for integrating a financial payment platform as described in claim item 5, wherein after the financial server performs contract verification according to the second contract verification request, and stores the account information in the payment application program, it includes the step of: making the payment The application program scans a sales terminal barcode according to the transaction information, obtains a sales terminal barcode information, and sends it to the intermediary host; and The intermediary host requests money from the financial server corresponding to the account information according to the barcode information of the sales terminal, and obtains an amount corresponding to the transaction information. The method for integrating a financial payment platform as described in claim item 5, wherein after the financial server performs contract verification according to the second contract verification request, and stores the account information in the payment application program, it includes the step of: making the payment The application program generates a consumer barcode based on the transaction information; the sales server scans the consumer barcode, obtains a consumer barcode information, and sends it to the intermediary host; and the intermediary host corresponds to the account information based on the consumer barcode information Request money from the financial server and obtain the amount corresponding to the transaction information. A system for integrating financial payment platforms, which includes: a sales terminal server, which has a transaction page; a consumer electronic device, which is connected to the transaction page of the sales terminal server; a payment server, which is connected to the transaction page The consumer electronic device is connected; an intermediary host, which is connected to the payment server; and a financial server, which corresponds to an account information, and is connected to the intermediary host; wherein the consumer electronic device clicks at least one on the transaction page Commodity information to generate and transmit a transaction information, the transaction information has commodity information collection information and forwarding instructions, the consumer electronic device receives the transaction information, and the intermediary host reads the information stored in the consumer electronic device. The account information corresponding to the payment server, the intermediary host sends the transaction information to the corresponding account information The financial server confirms the account information and deducts a payment amount based on the transaction information. The system for integrating financial payment platforms as described in Claim 8, wherein the consumer electronic device enters the account information on a first agreement verification page of the payment server, and sends a first agreement verification request, and the payment server The intermediary host transmits the first agreed verification request to the financial server corresponding to the account information, and the financial server performs agreed verification according to the first agreed verification request, and stores the account information to the payment server. The system for integrating financial payment platforms as described in Claim 9, wherein the intermediary host sends the first agreement verification request according to a connection mechanism of the financial server. In the system for integrating financial payment platforms as described in Claim 10, wherein the connection mechanism is a host connection or an application programming interface (Application Programming Interface, API). The system for integrating financial payment platforms as described in Claim 8 further includes a payment application program, which is respectively connected to the consumer electronic device and the intermediary host, wherein the consumer electronic device is in a second agreement of the payment application program Input the account information on the verification page, and send a second verification request, the payment application transfers the second agreed verification request to the financial server corresponding to the account information through the intermediary host, and the financial server according to the second The contract verification request performs contract verification and saves the account information to the payment application program. The system for integrating financial payment platforms as described in claim 12, wherein the payment server scans a barcode at the sales end according to the transaction information to obtain barcode information at the sales end, Send it to the intermediary host, and the intermediary host requests money from the financial server corresponding to the account information according to the sales terminal barcode information, and obtains an amount corresponding to the transaction information. The system for integrating financial payment platforms as described in claim item 12, wherein the payment server generates a consumer barcode based on the transaction information, and the sales server scans the consumer barcode to obtain a consumer barcode information and send it to the intermediary The host, the intermediary host requests money from the financial server corresponding to the account information according to the barcode information of the consumer end, and obtains the amount corresponding to the transaction information.

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