TWM550433U - Multimodal payment system with two-dimensional barcode - Google Patents

Description

Two-dimensional barcode multi-payment payment system

This creation department is about a two-dimensional barcode multi-payment payment system, especially the generation of "payment QRCode", and specifically provides the user to take the camera scanning function of the mobile device to carry out cloud payment.

With the popularity of smart phones, the basic environment for mobile payment in China has gradually taken shape. Recently, QR Code payment has become the main application mode of O2O in the mobile payment era. The simple, fast and low-cost features enable QR Code. It is widely used, and the advantage is that all smart phones can be used with the lowest threshold.

According to the "Mobile Payment Consumer Survey" conducted by the Institute of Industrial Intelligence Research (MIC) in January 2017, the mobile payment technology used by Taiwan’s mobile payment users was most popular with "QR Code (64.9%)", followed by It is "one-dimensional bar code (41.7%)". According to the National Development Committee's “Review of Digital Opportunities for Mobile Phone People in 105” report, 64.3% of mobile Internet users scan the QR Code through mobile phones, an increase of 10% compared with the 104-year survey results (54.1%).

Therefore, in the mobile payment technology, the development of QRCode is applied to the payment, which is convenient for the public to use, and brings more convenience to life.

In the current practice technology, relevant operators have developed a large number of mobile payment technologies. The relevant background of the payment tools for QR Code combined with payment payment will be briefly described as follows, including “Cloud Financial Card/Credit Card APP”, Bank Mobile Wallet, Electronic payment app.

First, the cloud financial card/credit card APP is mainly a financial card/credit card that can be placed in a Secure Element or Software Protection (APP). The cloud application technology used can be a "financial card/credit card special store". , "Cloud Financial Card / Credit Card APP", "Cloud Financial Card / Credit Card APP Server", "Payment Platform", "Accounting Agency", "Transfer Center", "Cloud Financial Card / Credit Card Issuer", Link these together through the APP. Specifically, the traditional cloud financial card/credit card APP operates as follows: "Cloud Financial Card / Credit Card APP" is bound to the financial card; the "Payment Financial Card / Credit Card APP" is used to read the payment QR Code for transaction; "Cloud Financial Card / Credit Card APP" will be sent to the "Cloud Financial Card / Credit Card APP Server"; "Cloud Financial Card / Credit Card APP Server" will be transferred to the "Payment Platform" and forwarded to the "Transfer Center"; Transfer the center to the "Cloud Financial Card / Credit Card Issuer" to debit the payment, and then transfer the transaction to the "Account Agent" for crediting.

With regard to the bank mobile wallet, there is an action wallet developed by the bank itself, and the bank user can bind the bank account or the cloud financial card/credit card to pay the fee. Furthermore, the electronic payment APP is registered by the user and developed by the electronic payment institution to open a stored value account, and the user uses the stored value account to pay the fee through the electronic payment APP.

However, the disadvantage of the above-mentioned conventional technology is that the current payment bills, such as electricity bills, parking fees, credit card bills, etc., have been printed with the QR Code, but only linked to the payment website or the official website of the institution, and still used. Quite inconvenient.

Therefore, there is a need for an innovative two-dimensional bar code multi-payment payment system that generates a "payment QRCode" and specifically provides users with cloud payment. The business unit produces a "payment QR Code" on the payment bill, and the payment account is charged. Single delivery payer, and the QR CODE content must include the name of the admissible payment instrument (or code) and the required payment transaction information, and after the payer receives the payment bill, conduct the payment transaction and open the "Cloud Financial Card / Credit Card APP" , "Bank Action Wallet", "Electronic Payment APP" or other action payment APP scan code function that supports this QR Code. After scanning the QR Code on the bill, the payment information will be displayed on the screen. The payer supports the app according to each app. Payment methods (such as financial cards, credit cards, accounts or electronic payment accounts) can be paid through different payment methods to solve the above problems.

The main purpose of this creation is to provide a two-dimensional barcode multi-payment payment system for realizing multiple payment and payment, mainly including mobile devices, institutions, accounting agencies, payment platforms, transfer units and card issuing units, among which mobile devices It is operated by the user and has the function of photographing and recognizing QR Code. For example, a smart phone, the business unit can be a business server, which can be connected to the mobile device, and the accounting agent can be financial. The server is connected to the business unit. The payment platform is used to connect to the mobile device. The transfer unit is used to connect to the payment platform and the accounting agent. The issuing unit is the issuing bank server of the issuing bank, and the link is To the transfer unit.

Specifically, the card issuing unit provides an application payment application software (Application, APP) for the user to download by the mobile device, wherein the mobile payment APP can be at least a cloud financial card/credit card APP, a bank mobile wallet, and an electronic payment APP. one of them.

The above payment platform and the transfer unit form a cloud payment platform for connecting the action payment APP and the card issuer bridge for the application card message delivery, life cycle management, transaction key supplementation and management.

In the application practice, the user can obtain the financial card cloud mobile application card by using the mobile payment APP, wherein the mobile payment APP can manage multiple financial card/credit card cloud mobile application cards, or can only manage the financial card of a single card issuing institution. / Credit Card Cloud Mobile App Card, or the Mobile Payment App is an app that can be shared with other mobile credit cards.

The business unit will send a bill of payment such as a paper or electronic payment to the user after the user consumes the business. The payment bill will be printed or displayed on the payment bill, including the relevant payment information. The user activates and executes the action payment APP, and takes a photo or scan with the payment QR Code, and the mobile device displays the payment information contained in the payment QR Code.

After the user confirms that the content of the payment information is correct, the mobile device generates and sends a transaction message by the mobile device, and the transaction message is further transmitted to the card issuing unit via the payment platform and the transfer unit. After verifying the transaction and verifying that the transaction message is correct, the card issuing unit generates and sends the transfer message to the account agent unit. Finally, the account agent unit performs the account write-off processing according to the transfer message, and generates and transmits the account write-off information to the business. Unit, complete the operation of the entire QR Code multi-payment payment.

There is no need to set up a payment website for this creation, and the user of the payment does not need to log in to the official website of the institution, but is replaced by the cloud payment platform formed by the payment platform and the transfer unit, so the user can directly download it by using the mobile device. And implement the action payment APP, you can complete the entire payment process under simple operation, and realize the action payment function. Moreover, the user of the payment can use the camera scanning function of the mobile device to perform a photo scan on the QR Code printed by the institution on the bill, which simplifies the operation, and provides a considerable supply for the mass consumers who are not familiar with the electronic operation. Convenient cloud payment method.

The implementation of the present invention will be described in more detail below with reference to the drawings and component symbols, so that those skilled in the art can implement the present specification after studying the present specification.

Please refer to the first figure for a schematic diagram of the two-dimensional barcode multi-payment payment system of this creation. As shown in the first figure, the QR Code multi-payment payment system of the present invention mainly includes a mobile device 10, a business unit 20, a accounting agent unit 30, a payment platform 40, an adapter unit 50, and a card issuing unit 60. The mobile device 10 is operated by a user, and the business unit 20 can be a business server, and the accounting agency 30 can be a financial server, such as a bank accounting server designated by the business, and the payment platform 40 The switching unit 50 forms a cloud payment platform. Further, the card issuing unit 60 can be a server of the issuing bank, and provides a mobile payment application software (Application, APP) for the user to download and execute by using the mobile device 10, wherein the action The payment APP may be at least one of a cloud financial card/credit card APP, a bank mobile wallet, and an electronic payment APP.

Further, the above-mentioned cloud payment platform may be constituted by a card issuing bank or an institution to build or participate in other platform operators. The platform is a bridge between the serial payment payment APP and the card issuing institution, and is used for the application card message transmission and life cycle. Management, transaction key replenishment and management.

In addition, the mobile device 10 described above may be a smart phone having a photo and identification QR Code function.

Specifically, the mobile device 10 can be connected to the business unit 20, the payment platform 40, wherein the business unit 20 is linked to the accounting agency unit 30, and the transfer unit 50 is linked to the accounting agency unit 30, the payment platform 40, and the card issuance. Unit 60.

In order to understand more clearly and understand the actual operation mode of the QR Code multi-payment payment system of this creation, refer to the second figure, the operation flow diagram of the QR Code multi-payment payment system of the creation, including steps S10, S20, S30, S40, S50 , S60, S70 and S80.

First, the user connects to the card issuing unit 60 via the payment platform 40 and the transfer unit 50 by the mobile device 10 in step S10, and downloads the mobile payment APP provided by the card issuing unit 60.

Then, the user executes the action payment APP downloaded by the mobile device 10, and obtains the financial card cloud action application card, and can be operated by the action financial card business organization (issuing institution), the related service provider, or through the business cooperation and digital payment service provider. Provided to respond to different types of providers, and the Mobile Payments App can manage multiple "Financial Cards/Credit Card Cloud Mobile App Cards", or may be a single card issuer's "Financial Card/Credit Card Cloud Mobile App Card", or possibly other Mobile phone credit card sharing app.

In step S30, after the user consumes, for example, after using the service provided by the institution 20, or after purchasing or ordering the goods of the institution 20, the institution 20 will send a payment bill to the user, for example, a paper or electronic bill, in which the "Payment QR Code" will be printed or displayed on the bill, including the relevant payment information, wherein the payment information may include at least one of the name or code of the payment instrument. The name or code of the issuing bank, the name or code of the financial card, credit card, account or electronic payment account, and the payment information further includes the payment transaction information, such as at least one of the amount, currency, payment period, consumption date , location, product name, and so on.

Then, proceeding to step S40, the user activates the action payment APP of the mobile device 10 and takes a picture or scan with the payment QR Code on the payment bill. At this time, the mobile device 10 displays the payment information contained in the payment QR Code for the payment information. User confirmation.

In step S50, after confirming that the content of the payment information is correct, the user can perform a payment confirmation operation, such as clicking a specific confirmation key image frame, or inputting a confirmation password first, and the mobile device 10 generates and transmits a transaction message.

Next, proceeding to step S60, the transaction message from the mobile device 10 is received by the payment platform 40, and further transmitted to the card issuing unit 60 of the user via the switching unit 50. In step S70, the card issuing unit 60 performs the verification process immediately after receiving the transaction message, and generates a transfer message according to the transaction message after the confirmation is correct, including the amount of the transfer, the currency, and then transmitted to the account agent via the transfer unit 50. Unit 30.

In summary, the main feature of this creation is that the business does not need to set up a payment website, and the users of the payment do not need to log in to the official website of the institution, but the cloud payment platform formed by the payment platform and the transfer unit. Instead, the user can directly download and execute the mobile payment APP by using the mobile device, and the entire payment process can be completed under a simple operation to implement the mobile payment function. In particular, as long as the photo-scanning function of the mobile device is used to scan the QR code of the business unit printed on the bill, the operation is simplified, and the consumer is unfamiliar with the electronic consumer. Convenient cloud payment method.

Furthermore, the back-end processing performed by the accounting agent unit, the payment platform, the transfer unit, and the card-issuing unit is all handled by the cloud, and no user intervention is required, and no password is required, so the overall operation stability is high. Further improve the efficiency of public institutions to provide consumers with cloud-based e-commerce payments.

The above description is only for the purpose of explaining the preferred embodiment of the present invention, and is not intended to impose any form of limitation on the creation, so that any modification or alteration of the creation made in the same creative spirit is provided. , should still be included in the scope of protection of this creative intent.

10‧‧‧Mobile devices
20‧‧‧Institutions
30‧‧‧Accounting agency
40‧‧‧Payment platform
50‧‧‧Transfer unit
60‧‧‧ card issuer
S10~S80‧‧‧Steps

The first figure shows a schematic diagram of a two-dimensional barcode multi-payment payment system based on the creation. The second figure shows the operation flow diagram of the two-dimensional barcode multi-payment payment system according to the creation.

10‧‧‧Mobile devices

20‧‧‧Institutions

30‧‧‧Accounting agency

40‧‧‧Payment platform

50‧‧‧Transfer unit

60‧‧‧ card issuer

Claims (5)

A two-dimensional barcode multi-payment payment payment system, comprising: a mobile device, which is operated by a user and has the function of photographing and recognizing a QR Code; a business unit is a business server, Linking to the mobile device; a accounting agent unit is a financial server connected to the business unit; a payment platform for connecting to the mobile device; and an transfer unit for connecting to the payment platform And the accounting agent unit; and a card issuing unit, which is a card issuing bank server of the issuing bank, and is connected to the switching unit, and provides a mobile payment application software (Application, APP) for the user to borrow the action The device is downloaded, and the mobile payment APP is at least one of a cloud financial card/credit card APP, a bank mobile wallet, and an electronic payment APP, wherein the payment platform and the transfer unit form a cloud payment platform, the user By using the action payment APP to obtain a financial card cloud mobile application card, and the mobile payment APP can manage multiple financial card/credit card cloud mobile application cards" Or can only manage the financial card/credit card cloud mobile application card of a single card issuer, or the action payment app is an APP shared with other mobile credit cards, and the institution will send the paper or electronic after the user consumes the consumption. a payment bill to the user, the payment bill will be printed or displayed a payment QR Code for containing a related payment information, the user activates and executes the action payment APP, and the The payment QR Code performs photographing or scanning, and the mobile device displays the payment information contained in the payment QR Code, and the user confirms that the content of the payment information is correct, and then performs a payment confirmation operation by the mobile device, and the action is performed by the mobile device. The device generates and sends a transaction message. According to the two-dimensional barcode multi-payment payment system of claim 1, wherein the mobile device is a smart phone, and the financial server is a one of the banks designated by a business. The two-dimensional barcode multi-payment payment system according to claim 1 of the patent application scope, wherein the cloud payment platform is formed by the card issuing bank or the institution self-establishing or participating in other platform operators, and the cloud payment platform is connected in series with the action payment APP and The card issuer's bridge is used for application card messaging, lifecycle management, and transaction key replenishment and management. The two-dimensional barcode multi-payment payment system according to item 1 of the patent application scope, wherein the payment information includes a name or a code number of the payment payment instrument, and a payment transaction information. The two-dimensional barcode multi-payment payment system according to claim 1 of the patent application scope, wherein the payment information includes a name or a code of the issuing bank, a financial card, a credit card, an account or an electronic payment account or a name At least one of a code, a transaction amount, a currency, a payment term, a consumption date, a consumption location, and a consumer product name.