TWI820367B - Shopping channel payment system - Google Patents

Shopping channel payment system Download PDF

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TWI820367B
TWI820367B TW109143768A TW109143768A TWI820367B TW I820367 B TWI820367 B TW I820367B TW 109143768 A TW109143768 A TW 109143768A TW 109143768 A TW109143768 A TW 109143768A TW I820367 B TWI820367 B TW I820367B
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payment
shopping mall
user device
order information
url
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TW202223794A (en
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簡吟芝
林卲威
許繡鶴
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兆豐國際商業銀行股份有限公司
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Abstract

The present disclosure provides a shopping channel payment system including a shopping channel device, a back server coupled to the shopping channel device and a user device coupled to the shopping channel device and the bank server. The shopping channel device receives an input of an order information and transmits the order information to the bank server, and receives a payment URL including the order information from the bank server. The shopping channel device transmits a short message including the payment URL to the user device. The user device receives a click operation of the payment URL to open a payment page, wherein the payment page displays at least one payment wallet already installed in the user device. When a first payment wallet of the at least one payment wallet is selected, the user device opens the first payment wallet to perform a payment operation.

Description

購物台付款系統Shopping mall payment system

本揭露是有關於一種付款系統，且特別是有關於一種購物台付款系統。The present disclosure relates to a payment system, and particularly to a shopping mall payment system.

在目前的電視購物中，並無系統化的付款方式，造成消費者必須在付款後通知購物台且購物台人員到銀行系統確認付款成功後才能進行下一步的購物程序。這浪費了消費者及購物台人員雙方的時間。因此，如何能讓購物台的付款流程更有效率是本領域技術人員應致力的目標。In the current TV shopping, there is no systematic payment method, so consumers must notify the shopping desk after payment, and the shopping desk staff must go to the bank system to confirm that the payment is successful before proceeding to the next step of the shopping process. This wastes the time of both the consumer and the shopping counter staff. Therefore, how to make the payment process at the shopping mall more efficient is a goal that those skilled in the art should strive for.

有鑑於此，本揭露提供一種購物台付款系統，讓購物台的付款流程更有效率。In view of this, the present disclosure provides a shopping mall payment system to make the shopping mall payment process more efficient.

本揭露提出一種購物台付款系統，包括：購物台裝置；銀行伺服器，耦接到購物台裝置；以及使用者裝置，耦接到購物台裝置及銀行伺服器。購物台裝置接收訂單資訊的輸入並將訂單資訊傳送到銀行伺服器，並從銀行伺服器接收包括訂單資訊的付款網址。購物台裝置傳送包括付款網址的簡訊到使用者裝置。使用者裝置接收付款網址的點擊操作以開啟付款頁面，其中付款頁面顯示已安裝於使用者裝置的至少一支付錢包。當至少一支付錢包的第一支付錢包被選擇時，使用者裝置開啟第一支付錢包以進行付款操作。The present disclosure proposes a shopping mall payment system, including: a shopping mall device; a bank server coupled to the shopping mall device; and a user device coupled to the shopping mall device and the bank server. The shopping mall device receives the input of order information and transmits the order information to the bank server, and receives a payment URL including the order information from the bank server. The shopping mall device sends a text message including the payment URL to the user device. The user device receives a click operation on the payment URL to open a payment page, where the payment page displays at least one payment wallet that has been installed on the user device. When the first payment wallet of the at least one payment wallet is selected, the user device opens the first payment wallet to perform a payment operation.

基於上述，本揭露的購物台付款系統讓購物台人員從電話確認訂單資訊後將訂單資訊輸入系統並從銀行端接收付款網址。購物台將付款網址以簡訊方式傳送給使用者。使用者點擊付款網址以顯示已安裝於使用者電子裝置中的電子錢包並選擇其中一個電子錢包進行付款作業。如此一來，購物台的付款流程的效率能大幅提升。Based on the above, the shopping mall payment system of the present disclosure allows the shopping mall personnel to confirm the order information over the phone and then enter the order information into the system and receive the payment URL from the bank. The shopping mall sends the payment URL to the user via SMS. The user clicks on the payment URL to display the electronic wallets installed in the user's electronic device and selects one of the electronic wallets for payment. In this way, the efficiency of the payment process at the shopping mall can be greatly improved.

圖1為根據本揭露一實施例的購物台付款系統的方塊圖。FIG. 1 is a block diagram of a shopping mall payment system according to an embodiment of the present disclosure.

請參照圖1，本揭露一實施例的購物台付款系統100包括購物台裝置110、銀行伺服器120及使用者裝置130。銀行伺服器120透過有線或無線網路耦接到購物台裝置110。使用者裝置130透過無線網路耦接到購物台裝置110及銀行伺服器120。購物台裝置110例如是購物台個人電腦或伺服器。使用者裝置130例如是智慧型手機、平板電腦或其他類似裝置。購物台裝置110、銀行伺服器120及使用者裝置130都可包括通訊晶片(未繪示於圖中)、儲存裝置(未繪示於圖中)及處理模組(未繪示於圖中)。Referring to FIG. 1 , a shopping mall payment system 100 according to an embodiment of the present disclosure includes a shopping mall device 110 , a bank server 120 and a user device 130 . The bank server 120 is coupled to the shopping mall device 110 through a wired or wireless network. The user device 130 is coupled to the shopping mall device 110 and the bank server 120 through a wireless network. The shopping mall device 110 is, for example, a shopping mall PC or a server. The user device 130 is, for example, a smartphone, a tablet, or other similar devices. The shopping mall device 110, the bank server 120 and the user device 130 may include a communication chip (not shown in the figure), a storage device (not shown in the figure) and a processing module (not shown in the figure) .

通訊晶片可為支援全球行動通信(Global System for Mobile communication, GSM)、個人手持式電話系統(Personal Handy-phone System, PHS)、碼多重擷取(Code Division Multiple Access, CDMA)系統、寬頻碼分多址(Wideband Code Division Multiple Access, WCDMA)系統、長期演進(Long Term Evolution, LTE)系統、全球互通微波存取(Worldwide interoperability for Microwave Access, WiMAX)系統、無線保真(Wireless Fidelity, Wi-Fi)系統、第五代行動通訊網路(5 thGeneration Mobile Network，5G)系統、或藍牙的信號傳輸的元件。 Communication chips can support Global System for Mobile communication (GSM), Personal Handy-phone System (PHS), Code Division Multiple Access (CDMA) system, and broadband code division Multiple access (Wideband Code Division Multiple Access, WCDMA) system, Long Term Evolution (LTE) system, Worldwide interoperability for Microwave Access (WiMAX) system, Wireless Fidelity (Wi-Fi) ) system, the 5th Generation Mobile Network (5G) system, or Bluetooth signal transmission components.

儲存裝置可以是任何型態的固定或可移動隨機存取記憶體(Random Access Memory，RAM)、唯讀記憶體(Read-Only Memory，ROM)、快閃記憶體(flash memory)、硬碟(Hard Disk Drive，HDD)、固態硬碟(Solid State Drive，SSD)或類似元件或上述元件的組合。The storage device can be 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 ( Hard Disk Drive (HDD), Solid State Drive (SSD) or similar components or a combination of the above components.

處理模組可以是中央處理單元(Central Processing Unit，CPU)，或是其他可程式化之一般用途或特殊用途的微處理器(Microprocessor)、數位信號處理器(Digital Signal Processor，DSP)、可程式化控制器、特殊應用積體電路(Application Specific Integrated Circuit，ASIC)或其他類似元件或上述元件的組合。The processing module can be a central processing unit (CPU), or other programmable general-purpose or special-purpose microprocessor (Microprocessor), digital signal processor (Digital Signal Processor, DSP), programmable chemical controller, Application Specific Integrated Circuit (ASIC) or other similar components or a combination of the above components.

在一實施例中，使用者可致電購物台表明購物意願及購物內容。購物台人員確認購物內容之後可輸入訂單資訊到購物台裝置110且購物台裝置110將訂單資訊傳送到銀行伺服器120，並從銀行伺服器120接收包括訂單資訊的付款網址(例如，付款URL)。訂單資訊包括訂單明細、訂單號碼及訂單金額。接著，購物台裝置110傳送包括付款網址的簡訊到使用者裝置130。具體來說，簡訊可包括訂單資訊的文字及包括訂單資訊的付款網址。付款網址包括透過演算法(例如，RSA演算法)加密的購物台識別碼及訂單資訊。銀行伺服器120可儲存對應不同購物台的購物台識別碼以辨識付款網址是對應到哪個購物台。In one embodiment, the user can call the shopping mall to indicate the shopping intention and shopping content. After the shopping desk personnel confirms the shopping content, the shopping desk device 110 can input the order information to the shopping desk device 110 and the shopping desk device 110 transmits the order information to the bank server 120 and receives a payment URL (for example, payment URL) including the order information from the bank server 120. . Order information includes order details, order number and order amount. Next, the shopping mall device 110 sends a text message including the payment URL to the user device 130 . Specifically, the text message may include the text of the order information and the payment URL including the order information. The payment URL includes the shopping cart identification code and order information encrypted by an algorithm (eg, RSA algorithm). The bank server 120 may store shopping mall identification codes corresponding to different shopping malls to identify which shopping mall the payment URL corresponds to.

使用者裝置130接收付款網址的點擊操作以開啟付款頁面。也就是說，使用者在確認簡訊內容與購物台告知的內容一致之後可點擊簡訊的付款網址以開啟銀行付款頁面。銀行付款頁面會掃描使用者裝置130已安裝的至少一個支付錢包(例如，街口支付、歐付寶、LinePay、台灣Pay等)並顯示上述支付錢包。當使用者選擇其中一個支付錢包(或稱為第一支付錢包)時，使用者裝置130自動開啟第一支付錢包並在身分認證程序完成之後進行付款操作。身分認證程序包括身分識別碼(例如，密碼、圖形碼、身分證字號等)辨識程序及生物特徵(例如，指紋、聲紋、人臉、虹膜等)辨識程序。值得注意的是，雖然在本實施例中付款頁面會顯示使用者裝置130已安裝的至少一個支付錢包，但本揭露不限於此。在另一實施例中，付款頁面也可利用彩色及/或實線圖式(可被使用者點選)來顯示使用者裝置130已安裝的支付錢包並利用黑白及/或虛線圖式(無法被使用者點選)來顯示付款頁面有支援但使用者裝置130並未安裝的支付錢包。如此一來，使用者可明確看出付款頁面有支援的支付錢包中有哪些支付錢包是已安裝於使用者裝置130中。The user device 130 receives a click operation on the payment URL to open the payment page. In other words, after confirming that the content of the SMS is consistent with the content notified by the shopping mall, the user can click the payment URL of the SMS to open the bank payment page. The bank payment page will scan at least one payment wallet installed on the user device 130 (for example, Jiekou Pay, Oppay, LinePay, Taiwan Pay, etc.) and display the above payment wallet. When the user selects one of the payment wallets (also known as the first payment wallet), the user device 130 automatically opens the first payment wallet and performs the payment operation after the identity authentication procedure is completed. The identity authentication process includes identity code (such as password, graphic code, ID card number, etc.) recognition process and biometric (such as fingerprint, voiceprint, face, iris, etc.) recognition process. It is worth noting that although in this embodiment the payment page will display at least one payment wallet installed on the user device 130, the disclosure is not limited thereto. In another embodiment, the payment page may also use color and/or solid line graphics (can be clicked by the user) to display the payment wallet installed on the user device 130 and use black and white and/or dotted line graphics (cannot be clicked by the user). Clicked by the user) to display the payment page for a payment wallet that is supported but not installed on the user device 130. In this way, the user can clearly see which of the supported payment wallets on the payment page have been installed in the user device 130 .

當付款操作完成時，付款頁面傳送付款成功通知到購物台裝置110且購物台裝置110傳送付款成功通知到使用者裝置130。也就是說，銀行付款頁面會傳送付款成功通知到購物台，經購物台驗證付款成功通知的來源及內容無誤之後發送付款成功通知簡訊給使用者。When the payment operation is completed, the payment page sends a payment success notification to the shopping mall device 110 and the shopping mall device 110 sends a payment success notification to the user device 130 . In other words, the bank payment page will send a payment success notification to the shopping mall. After the shopping platform verifies that the source and content of the payment success notification are correct, a payment success notification SMS will be sent to the user.

綜上所述，本揭露的購物台付款系統讓購物台人員從電話確認訂單資訊後將訂單資訊輸入系統並從銀行端接收付款網址。購物台將付款網址以簡訊方式傳送給使用者。使用者點擊付款網址以顯示已安裝於使用者電子裝置中的電子錢包並選擇其中一個電子錢包進行付款作業。如此一來，購物台的付款流程的效率能大幅提升。To sum up, the disclosed shopping mall payment system allows the shopping mall staff to confirm the order information over the phone and then enter the order information into the system and receive the payment URL from the bank. The shopping mall sends the payment URL to the user via SMS. The user clicks on the payment URL to display the electronic wallets installed in the user's electronic device and selects one of the electronic wallets for payment. In this way, the efficiency of the payment process at the shopping mall can be greatly improved.

雖然本揭露已以實施例揭露如上，然其並非用以限定本揭露，任何所屬技術領域中具有通常知識者，在不脫離本揭露的精神和範圍內，當可作些許的更動與潤飾，故本揭露的保護範圍當視後附的申請專利範圍所界定者為準。Although the disclosure has been disclosed above through embodiments, they are not intended to limit the disclosure. Anyone with ordinary knowledge in the technical field may make slight changes and modifications without departing from the spirit and scope of the disclosure. Therefore, The scope of protection of this disclosure shall be determined by the scope of the appended patent application.

100:購物台付款系統 110:購物台裝置 120:銀行伺服器 130:使用者裝置 100:Shopping counter payment system 110: Shopping table device 120:Bank server 130: User device

圖1為根據本揭露一實施例的購物台付款系統的方塊圖。FIG. 1 is a block diagram of a shopping mall payment system according to an embodiment of the present disclosure.

100:購物台付款系統 100:Shopping counter payment system

110:購物台裝置 110: Shopping table device

120:銀行伺服器 120:Bank server

130:使用者裝置 130: User device

Claims (8)

一種購物台付款系統，包括：一購物台裝置；一銀行伺服器，耦接到該購物台裝置；以及一使用者裝置，耦接到該購物台裝置及該銀行伺服器，其中該購物台裝置接收一訂單資訊的輸入並將該訂單資訊傳送到該銀行伺服器，並從該銀行伺服器接收包括該訂單資訊的一付款網址；該購物台裝置傳送包括該付款網址的一簡訊到該使用者裝置；該使用者裝置接收該付款網址的點擊操作以開啟一付款頁面，其中該付款頁面顯示已安裝於該使用者裝置的多個支付錢包；當該些支付錢包的一第一支付錢包被選擇時，該使用者裝置開啟該第一支付錢包以進行一付款操作，其中當該使用者裝置接收該付款網址的點擊操作之後，該付款頁面掃描該使用者裝置已安裝的該些支付錢包並顯示該些支付錢包，其中該付款頁面利用第一圖式來顯示該使用者裝置已安裝的該些支付錢包並利用第二圖式來顯示該付款頁面有支援但該使用者裝置並未安裝的支付錢包。 A shopping mall payment system includes: a shopping mall device; a bank server coupled to the shopping mall device; and a user device coupled to the shopping mall device and the bank server, wherein the shopping mall device Receive an input of order information and transmit the order information to the bank server, and receive a payment URL including the order information from the bank server; the shopping mall device sends a text message including the payment URL to the user Device; the user device receives a click operation of the payment URL to open a payment page, wherein the payment page displays multiple payment wallets that have been installed on the user device; when a first payment wallet of the payment wallets is selected When the user device opens the first payment wallet to perform a payment operation, when the user device receives a click operation of the payment URL, the payment page scans the payment wallets installed on the user device and displays These payment wallets, wherein the payment page uses a first image to display the payment wallets installed on the user device and uses a second image to display payments supported by the payment page but not installed on the user device wallet. 如請求項1所述的購物台付款系統，其中當該付款操作完成時，該付款頁面傳送一付款成功通知到該購物台裝置且該購物台裝置傳送該付款成功通知到該使用者裝置。 The shopping mall payment system of claim 1, wherein when the payment operation is completed, the payment page sends a payment success notification to the shopping mall device and the shopping mall device sends the payment success notification to the user device. 如請求項1所述的購物台付款系統，其中該當該第一支付錢包被開啟後，該使用者裝置執行一身分認證程序以進行該付款操作。 The shopping mall payment system of claim 1, wherein after the first payment wallet is opened, the user device executes an identity authentication procedure to perform the payment operation. 如請求項3所述的購物台付款系統，其中該身分認證程序包括一身分識別碼辨識程序及一生物特徵辨識程序。 The shopping mall payment system as claimed in claim 3, wherein the identity authentication procedure includes an identification code identification procedure and a biometric identification procedure. 如請求項1所述的購物台付款系統，其中該訂單資訊包括一訂單明細、一訂單號碼及一訂單金額。 The shopping mall payment system as described in request item 1, wherein the order information includes an order details, an order number and an order amount. 如請求項5所述的購物台付款系統，其中該付款網址包括透過一演算法加密的一購物台識別碼及該訂單資訊。 The shopping mall payment system as described in claim 5, wherein the payment URL includes a shopping mall identification code and the order information encrypted by an algorithm. 如請求項6所述的購物台付款系統，其中該演算法為RSA加密演算法。 The shopping mall payment system as described in claim 6, wherein the algorithm is an RSA encryption algorithm. 如請求項1所述的購物台付款系統，其中該簡訊包括該訂單資訊的文字及包括該訂單資訊的該付款網址。 The shopping mall payment system as described in request item 1, wherein the text message includes the text of the order information and the payment URL including the order information.
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TW202016824A (en) * 2017-10-26 2020-05-01 美商勝瑞股份有限公司 Mobile payment system and method using a mobile payment device without an installed application
TWM585388U (en) * 2019-03-29 2019-10-21 臺灣銀行股份有限公司 The system of applying customer transaction details to customized ledger and household ledger
TWM610431U (en) * 2020-12-11 2021-04-11 兆豐國際商業銀行股份有限公司 Shopping channel payment system

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