TWM551305U - Integrated payment system - Google Patents
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Description
本新型是有關於一種支付系統，特別是指一種整合式的支付系統。 The present invention relates to a payment system, and more particularly to an integrated payment system.
現有常見的行動支付服務方式是，由消費者在自己的行動裝置中安裝各行動支付業者提供的應用程式，例如：「街口」、「巷弄」或「LINE PAY」等，並分別在各個應用程式裡輸入信用卡卡號等付款資訊，用以和各行動支付業者約定行動支付時要使用的信用卡。由於市場上的行動支付業者眾多，各個線下實體商店合作的行動支付業者都不同，因此，消費者若要在各種不同的情境中使用行動支付服務，必須分別和各行動支付業者進行約定，程序不但繁雜，而且也不利於推廣行動支付服務的業務。 The existing common payment service method is that consumers install the applications provided by various mobile payment providers in their mobile devices, such as "jiekou", "always" or "LINE PAY", and The application enters payment information such as a credit card number to agree with each mobile payment provider to use the credit card to be used for payment. Due to the large number of mobile payment operators in the market, the offline payment service providers of different offline stores are different. Therefore, if consumers want to use mobile payment services in different situations, they must separately agree with the mobile payment providers. Not only is it complicated, but it is also not conducive to the promotion of mobile payment services.
同理，消費者也會在不同的線上商店中消費，不論是利用行動裝置的瀏覽器瀏覽購物網站，或使用線上購物的專屬應用程式，也必須逐一地輸入信用卡卡號等付款資訊，同樣有程序繁雜的困擾。 In the same way, consumers will also consume in different online stores. Whether they use a browser of a mobile device to browse a shopping site or use a dedicated application for online shopping, they must also enter payment information such as credit card numbers one by one. Troubled troubles.
因此，本新型之目的，即在提供一種能克服先前技術之缺點的整合式支付系統。 Accordingly, it is an object of the present invention to provide an integrated payment system that overcomes the shortcomings of the prior art.
於是，本新型整合式支付系統適於連接一消費端電子裝置及一金融伺服器，該整合式支付系統包含一銷售端伺服器及一整合平台伺服器。該銷售端伺服器電連接該消費端電子裝置並接收該消費端電子裝置的一消費端識別資訊及一付款要求指令。該整合平台伺服器電連接該消費端電子裝置、該銷售端伺服器及該金融伺服器，當該整合平台伺服器接收到來自該銷售端伺服器的該消費端識別資訊、該付款要求指令及一由該銷售端伺服器所產生的支付金額時，該整合平台伺服器對應地產生一連線識別碼，並將該連線識別碼透過該銷售端伺服器傳送至該消費端電子裝置。當該整合平台伺服器接收到來自該消費端電子裝置的一整合平台帳號及該連線識別碼時，該整合平台伺服器根據該整合平台帳號、該連線識別碼及該支付金額產生一確認資訊，並將該確認資訊傳送至該消費端電子裝置，接著，當該整合平台伺服器接收來自該消費端電子裝置的一付款指令時，該整合平台伺服器連線至該金融伺服器並以該支付金額進行一付款作業後，產生並傳送一對應該付款作業的付款結果至該銷售端伺服器儲存。 Therefore, the new integrated payment system is suitable for connecting a consumer electronic device and a financial server, and the integrated payment system comprises a sales server and an integrated platform server. The sales end server is electrically connected to the consumer electronic device and receives a consumer identification information and a payment request instruction of the consumer electronic device. The integrated platform server is electrically connected to the consumer electronic device, the sales server, and the financial server, and when the integrated platform server receives the consumer identification information from the sales server, the payment request instruction and When the payment amount is generated by the sales server, the integrated platform server generates a connection identification code correspondingly, and transmits the connection identification code to the consumer electronic device through the sales server. When the integrated platform server receives an integrated platform account and the connection identification code from the consumer electronic device, the integrated platform server generates a confirmation according to the integrated platform account number, the connection identification code, and the payment amount. Transmitting the confirmation information to the consumer electronic device, and then, when the integrated platform server receives a payment instruction from the consumer electronic device, the integrated platform server is connected to the financial server and After the payment amount is performed, a payment operation is generated and transmitted to the sales server for storage.
在一些實施態樣中，該整合平台伺服器所接收到該消 費端電子裝置的該付款指令後，用以判定一相關於一付款媒介的付款方式參數。 In some implementations, the integrated platform server receives the cancellation The payment instruction of the fee-based electronic device is used to determine a payment mode parameter related to a payment medium.
在一些實施態樣中，該銷售端伺服器接收該消費端電子裝置的該付款要求指令之前，該整合平台伺服器接收該消費端電子裝置的一付款媒介申請資訊並傳送到該金融伺服器。接著該整合平台伺服器接收來自該金融伺服器開通之付款媒介的付款方式參數，並傳送一付款媒介申請完成通知至該消費端電子裝置。 In some implementations, before the sales server receives the payment request instruction of the consumer electronic device, the integrated platform server receives a payment media application information of the consumer electronic device and transmits the payment media application information to the financial server. The integrated platform server then receives the payment method parameters from the payment medium opened by the financial server and transmits a payment medium application completion notification to the consumer electronic device.
另外，本新型的另一種整合式支付系統適於連接一消費端電子裝置及一金融伺服器，該整合式支付系統包含一行動支付端伺服器、一整合平台伺服器，及一銷售端伺服器。該行動支付端伺服器電連接該消費端電子裝置並接收來自該消費端電子裝置的一消費端識別資訊及一付款要求指令。該整合平台伺服器電連接該行動支付端伺服器及該金融伺服器，當該整合平台伺服器接收到由該行動支付端伺服器轉介之該付款要求指定時，該整合平台伺服器對應地產生一付款代碼，並將該付款代碼透過該行動支付端伺服器傳送至該消費端電子裝置。該銷售端伺服器用以自該消費端電子裝置接收該付款代碼，並產生一包含一支付金額的付款指令，且將該付款指令傳送至該整合平台伺服器。當該整合平台伺服器接收來自該銷售端伺服器的該付款指令時，該整合平台伺服器連線至該金融伺服器並以該支付金額進行一付款作業後，產生並傳送一對應該付 款作業的付款結果至該銷售端伺服器及該行動支付端伺服器儲存。 In addition, another integrated payment system of the present invention is suitable for connecting a consumer electronic device and a financial server, the integrated payment system comprising a mobile payment server, an integrated platform server, and a sales server. . The mobile payment server is electrically connected to the consumer electronic device and receives a consumer identification information and a payment request command from the consumer electronic device. The integrated platform server electrically connects the mobile payment server and the financial server, and when the integrated platform server receives the payment request designation referred by the mobile payment server, the integrated platform server correspondingly A payment code is generated and transmitted to the consumer electronic device via the mobile payment server. The sales server is configured to receive the payment code from the consumer electronic device and generate a payment instruction including a payment amount, and transmit the payment instruction to the integrated platform server. When the integrated platform server receives the payment instruction from the sales server, the integrated platform server connects to the financial server and performs a payment operation with the payment amount, and generates and transmits a pair of payables. The payment result of the operation is stored in the sales server and the mobile payment server.
在一些實施態樣中，該整合平台伺服器適於電連接該消費端電子裝置，在該行動支付端伺服器接收該付款要求指令之前，當該整合平台伺服器接收到一來自該消費端電子裝置的一付款方式設定指令時，該整合平台伺服器依據該付款方式設定指令判定一約定結果且該約定結果包括一相關於一付款媒介的付款方式參數，接著，該整合平台伺服器將該約定結果傳送至該行動支付端伺服器儲存。 In some implementations, the integrated platform server is adapted to electrically connect to the consumer electronic device, and the integrated platform server receives an electronic from the consumer terminal before the mobile payment server receives the payment request command When the payment mode setting instruction of the device is set, the integrated platform server determines an agreed result according to the payment mode setting instruction, and the agreed result includes a payment mode parameter related to a payment medium, and then the integrated platform server associates the agreement The result is transmitted to the mobile payment server for storage.
在一些實施態樣中，在該整合平台伺服器接收該付款方式參數之前，當該行動支付端伺服器接收到來自該消費端電子裝置的該消費端識別資訊及一要求約定指令時，該行動支付端伺服器傳送該消費端識別資訊及該要求約定指令至該整合平台伺服器，以供該整合平台伺服器產生一對應的連線識別碼透過該行動支付端伺服器傳送至該消費端電子裝置，接著，當該整合平台伺服器接收到來自該消費端電子裝置的一整合平台帳號及該連線識別碼時，該整合平台伺服器產生並傳送一確認資訊至該消費端電子裝置，以致該消費端電子裝置根據該確認資訊傳送該付款方式設定指令至該整合平台伺服器。 In some implementations, before the integrated platform server receives the payment mode parameter, when the mobile payment server receives the consumer identification information and the required appointment instruction from the consumer electronic device, the action The payment server sends the consumer identification information and the request agreement instruction to the integrated platform server, so that the integrated platform server generates a corresponding connection identification code to be transmitted to the consumer electronic device through the mobile payment server. The device, then, when the integrated platform server receives an integrated platform account and the connection identification code from the consumer electronic device, the integrated platform server generates and transmits a confirmation message to the consumer electronic device, such that The consumer electronic device transmits the payment method setting command to the integrated platform server according to the confirmation information.
在一些實施態樣中，該行動支付端伺服器接收該消費端電子裝置的該付款要求指令之前，該整合平台伺服器接收該消費 端電子裝置的一付款媒介申請資訊並傳送到該金融伺服器。接著該整合平台伺服器接收來自該金融伺服器開通之付款媒介的付款方式參數，並傳送一付款媒介申請完成通知至該消費端電子裝置。 In some implementations, the integrated platform server receives the payment before the mobile payment server receives the payment request instruction of the consumer electronic device. A payment media application information of the end electronic device is transmitted to the financial server. The integrated platform server then receives the payment method parameters from the payment medium opened by the financial server and transmits a payment medium application completion notification to the consumer electronic device.
本新型之功效在於：利用整合平台伺服器，讓消費者利用消費端電子裝置就可以使用多種行動支付服務或多個線上購物網站，而不需要重複地在每一種行動支付服務或線上購物網站中設定付款資訊，提升操作便利性及消費者的使用意願。 The effect of the new model is to use the integrated platform server to enable consumers to use a variety of mobile payment services or multiple online shopping websites by using consumer electronic devices without having to repeatedly use in each mobile payment service or online shopping website. Set payment information to improve operational convenience and consumer willingness to use.
1‧‧‧整合式支付系統 1‧‧‧Integrated payment system
11‧‧‧消費端電子裝置 11‧‧‧ Consumer electronic devices
12‧‧‧金融伺服器 12‧‧‧Financial Server
13‧‧‧銷售端伺服器 13‧‧‧Sales Server
14‧‧‧整合平台伺服器 14‧‧‧Integrated platform server
2‧‧‧整合式支付系統 2‧‧‧Integrated payment system
21‧‧‧消費端電子裝置 21‧‧‧ Consumer electronic devices
22‧‧‧金融伺服器 22‧‧‧Financial Server
23‧‧‧銷售端伺服器 23‧‧‧Sales Server
24‧‧‧整合平台伺服器 24‧‧‧Integrated platform server
25‧‧‧行動支付端伺服器 25‧‧‧Mobile payment server
本新型之其他的特徵及功效，將於參照圖式的實施方式中清楚地呈現，其中：圖1是本新型整合式支付系統之第一實施例的一系統方塊圖；及圖2是本新型整合式支付系統之第二實施例的一系統方塊圖。 Other features and effects of the present invention will be apparent from the following description of the drawings, wherein: FIG. 1 is a system block diagram of a first embodiment of the novel integrated payment system; and FIG. 2 is a novel A system block diagram of a second embodiment of an integrated payment system.
參閱圖1，本新型整合式支付系統1的第一實施例特別是用於「線上付款」的情境，並適於連接一消費端電子裝置11及一金融伺服器12。該消費端電子裝置11是一行動裝置，如手機；而該金融伺服器12在第一實施例中是一由銀行設立的信用卡處理伺服器，用於處理消費者的刷卡付款作業，但並不限於此，也可以是 電子票證公司設立的電子票證處理伺服器，用以處理消費者的儲值及消費作業。該整合式支付系統11包含一銷售端伺服器13及一整合平台伺服器14。 Referring to FIG. 1, the first embodiment of the integrated payment system 1 is specifically for the context of "online payment" and is adapted to connect a consumer electronic device 11 and a financial server 12. The consumer electronic device 11 is a mobile device, such as a mobile phone; and in the first embodiment, the financial server 12 is a credit card processing server set up by a bank for processing a consumer's credit card payment operation, but not Limited to this, it can also be An electronic ticket processing server set up by an electronic ticket company to handle consumer stored value and consumption operations. The integrated payment system 11 includes a sales server 13 and an integrated platform server 14.
該銷售端伺服器13係由線上購物廠商所設置的電腦主機，電連接該消費端電子裝置11，該銷售端伺服器13執行一線上購物程式，供消費者可以透過行動裝置(如手機)的瀏覽器，或專用的行動裝置應用程式瀏覽商品並線上購物。當消費者將所欲購買的商品全部添加到線上購物車後，即可進行付款作業。此時，該銷售端伺服器13可接收該消費端電子裝置11的一對應該銷售端伺服器13的消費端識別資訊及一付款要求指令。前述的消費端識別資訊是該消費者在線上購物廠商中所使用的個人帳號。 The sales server 13 is electrically connected to the consumer electronic device 11 by a computer host set by an online shopping vendor, and the sales server 13 executes an online shopping program for the consumer to use the mobile device (such as a mobile phone). Browsers, or dedicated mobile device apps, browse products and shop online. When the consumer adds all the items to be purchased to the online shopping cart, the payment operation can be performed. At this time, the sales server 13 can receive the consumer identification information and a payment request instruction of the pair of sales server 13 of the consumer electronic device 11. The aforementioned consumer identification information is a personal account used by the consumer online shopping vendor.
該整合平台伺服器14電連接該消費端電子裝置11、該銷售端伺服器13及該金融伺服器12。當該整合平台伺服器14接收到來自該銷售端伺服器13之該消費端識別資訊、該付款要求指令及一支付金額時，該整合平台伺服器14對應地產生一連線識別碼，並將該連線識別碼透過該銷售端伺服器13傳送至該消費端電子裝置11。在其他實施例中，該整合平台伺服器14也可以是將該連線識別碼直接傳送至該消費端電子裝置11，而不以本實施例為限。 The integrated platform server 14 is electrically connected to the consumer electronic device 11, the sales server 13 and the financial server 12. When the integrated platform server 14 receives the consumer identification information, the payment request instruction, and a payment amount from the sales server 13, the integrated platform server 14 correspondingly generates a connection identification code, and The connection identification code is transmitted to the consumer electronic device 11 through the sales terminal server 13. In other embodiments, the integrated platform server 14 may also directly transmit the connection identification code to the consumer electronic device 11 without being limited to the embodiment.
特別說明的是，其中，該銷售端伺服器13接收該消費端電子裝置11的該付款要求指令之前，該整合平台伺服器14接收 該消費端電子裝置11的一付款媒介申請資訊並傳送到該金融伺服器12。接著該整合平台伺服器14接收來自該金融伺服器12開通之一付款媒介(如信用卡)的一付款方式參數(如信用卡號碼)，並傳送一付款媒介申請完成通知至該消費端電子裝置11。再者，該整合平台伺服器14接收來自該消費端電子裝置11的一付款媒介啟用指令，用於正式開通該付款媒介，在其他情況下，整合平台伺服器14也可以直接開通該付款媒介。也就是說，即便使用者一開始沒有信用卡或約定帳號等，透過整合平台伺服器14配合金融伺服器12可以即時並快速地協助使用者提出申請並完成開通。 Specifically, before the sales server 13 receives the payment request instruction of the consumer electronic device 11, the integrated platform server 14 receives A payment medium of the consumer electronic device 11 applies for information and transmits the information to the financial server 12. The integrated platform server 14 then receives a payment method parameter (such as a credit card number) from a payment medium (such as a credit card) opened by the financial server 12, and transmits a payment medium application completion notification to the consumer electronic device 11. Moreover, the integrated platform server 14 receives a payment medium enablement instruction from the consumer electronic device 11 for officially opening the payment medium. In other cases, the integrated platform server 14 can also directly activate the payment medium. That is to say, even if the user does not have a credit card or an agreed account number at the beginning, the integrated platform server 14 cooperates with the financial server 12 to promptly and quickly assist the user to apply and complete the opening.
依據消費者在消費端電子裝置11的操作，該消費端電子裝置11將一整合平台帳號及該連線識別碼回傳至該整合平台伺服器14。當該整合平台伺服器14接收到來自該消費端電子裝置11的該整合平台帳號及該連線識別碼時，該整合平台伺服器14根據該整合平台帳號、該連線識別碼及該支付金額產生一確認資訊，並將該確認資訊傳送至該消費端電子裝置11。接著，當該整合平台伺服器14接收來自該消費端電子裝置11的一付款指令時，該整合平台伺服器14連線至該金融伺服器12，並以該支付金額進行一付款作業。特別說明的是，該付款指令包括該付款方式參數，該付款方式參數是信用卡號碼，用以供整合平台伺服器14得知該消費者在該消費端電子裝置11上是使用哪一種付款媒介(如信用卡)付款。 The consumer electronic device 11 transmits an integrated platform account number and the connection identification code to the integrated platform server 14 according to the operation of the consumer in the consumer electronic device 11. When the integrated platform server 14 receives the integrated platform account number and the connection identification code from the consumer electronic device 11, the integrated platform server 14 according to the integrated platform account number, the connection identification code, and the payment amount. A confirmation message is generated and transmitted to the consumer electronic device 11. Next, when the integrated platform server 14 receives a payment instruction from the consumer electronic device 11, the integrated platform server 14 is connected to the financial server 12 and performs a payment operation with the payment amount. Specifically, the payment instruction includes the payment method parameter, and the payment method parameter is a credit card number for the integrated platform server 14 to know which payment medium the consumer uses on the consumer electronic device 11 ( Payment by credit card).
當整合平台伺服器14確收該金融伺服器12完成付款作業後，產生並傳送一付款結果至該銷售端伺服器13儲存，以供消費者透過該消費端電子裝置11連線到該銷售端伺服器13查詢該付款結果，也就是說，消費者可在手機上查詢該付款結果。 After the integrated platform server 14 confirms that the financial server 12 completes the payment operation, generates and transmits a payment result to the sales server 13 for storage by the consumer to connect to the sales terminal through the consumer electronic device 11. The server 13 queries the payment result, that is, the consumer can query the payment result on the mobile phone.
參閱圖2，本新型整合式支付系統2的第二實施例特別是用於「線下付款」的情境，並適於連接一消費端電子裝置21及一金融伺服器22，其中，該消費端電子裝置21和該金融伺服器22與第一實施例相同。該整合式支付系統21包含一銷售端伺服器23、一整合平台伺服器24，及一行動支付端伺服器25。 Referring to FIG. 2, the second embodiment of the integrated payment system 2 is specifically used in the context of "offline payment" and is adapted to connect a consumer electronic device 21 and a financial server 22, wherein the consumer terminal The electronic device 21 and the financial server 22 are the same as the first embodiment. The integrated payment system 21 includes a sales server 23, an integrated platform server 24, and a mobile payment server 25.
該行動支付端伺服器25電連接該消費端電子裝置21、銷售端伺服器23及整合平台伺服器24。該行動支付端伺服器25是由行動支付業者所設立的電腦主機，常見的作法是在消費者預先在自己的消費端電子裝置21安裝對應的行動支付應用程式，並在需要進行支付作業時，由行動支付端伺服器25提供一組二維條碼供消費端電子裝置21顯示，商家的銷售點(POS)機台讀取該二維條碼後即完成支付，支付過程中可以完全取代現金交易。 The mobile payment server 25 is electrically connected to the consumer electronic device 21, the sales server 23 and the integrated platform server 24. The mobile payment server 25 is a computer host set up by an action payment provider. A common practice is to install a corresponding mobile payment application on the consumer electronic device 21 in advance, and when a payment operation is required. A set of two-dimensional barcodes is provided by the mobile payment server 25 for display by the consumer electronic device 21, and the merchant's point of sale (POS) machine reads the two-dimensional barcode to complete the payment, and the payment process can completely replace the cash transaction.
當消費者在實體商店內完成購物並要結帳時，利用該消費端電子裝置21的行動支付應用程式要求付款，此時，該行動支付端伺服器25接收該消費端電子裝置21的一對應行動支付端伺服器25的消費端識別資訊及一付款要求指令。前述的消費端識別資訊 是該消費者在行動支付廠商中所使用的個人帳號。 When the consumer completes the purchase in the physical store and wants to checkout, the mobile payment application of the consumer electronic device 21 requests payment, and at this time, the mobile payment server 25 receives a corresponding correspondence of the consumer electronic device 21. The consumer identification information of the payment server 25 and a payment request instruction. The aforementioned consumer identification information It is the personal account that the consumer uses in the mobile payment vendor.
該整合平台伺服器24電連接該消費端電子裝置21、該行動支付端伺服器25、該銷售端伺服器23及該金融伺服器22，當該整合平台伺服器24接收到由該行動支付端伺服器25轉介之付款要求指定時，該整合平台伺服器24對應地產生一付款代碼，並將該付款代碼透過該行動支付端伺服器25傳送至該消費端電子裝置21。 The integrated platform server 24 is electrically connected to the consumer electronic device 21, the mobile payment server 25, the sales server 23 and the financial server 22. When the integrated platform server 24 receives the mobile payment terminal When the payment request referred to by the server 25 is specified, the integrated platform server 24 correspondingly generates a payment code and transmits the payment code to the consumer electronic device 21 through the mobile payment server 25.
特別說明的是，其中，該行動支付端伺服器25接收該消費端電子裝置21的該付款要求指令之前，該整合平台伺服器24接收該消費端電子裝置21的一付款媒介申請資訊並傳送到該金融伺服器22，接著該整合平台伺服器24接收來自該金融伺服器22開通之一付款媒介(如信用卡)的一付款方式參數(如信用卡號碼)，並傳送一付款媒介申請完成通知至該消費端電子裝置11。再者，該整合平台伺服器14接收來自該消費端電子裝置21的一付款媒介啟用指令，用於正式開通該付款媒介，在其他情況下，整合平台伺服器14也可以直接開通該付款媒介。也就是說，即便使用者一開始沒有信用卡或約定帳號等，透過整合平台伺服器24配合金融伺服器22可以即時並快速地協助使用者提出申請並完成開通。 Specifically, before the mobile payment server 25 receives the payment request instruction of the consumer electronic device 21, the integrated platform server 24 receives a payment media application information of the consumer electronic device 21 and transmits the information to the payment device. The financial server 22, then the integrated platform server 24 receives a payment method parameter (such as a credit card number) from a payment medium (such as a credit card) opened by the financial server 22, and transmits a payment medium application completion notification to the Consumer electronic device 11. Moreover, the integrated platform server 14 receives a payment medium enablement instruction from the consumer electronic device 21 for officially opening the payment medium. In other cases, the integrated platform server 14 can also directly activate the payment medium. That is to say, even if the user does not have a credit card or an agreed account at the beginning, the integrated platform server 24 cooperates with the financial server 22 to assist the user in making an application and completing the opening in an instant and quickly.
該銷售端伺服器23在本第二實施例中為一商家使用的銷售點機台，用以自消費端電子裝置21接收一付款代碼，並產生一 付款指令，且將該付款指令傳送至該整合平台伺服器24。上述銷售點機台通常配有一條碼讀取器，且該付款代碼已轉換為二維條碼的形式顯示在消費端電子裝置21的螢幕上，供條碼讀取器讀取。 In the second embodiment, the sales server 23 is a point of sale machine used by a merchant to receive a payment code from the consumer electronic device 21 and generate a payment code. The payment instruction is transmitted to the integrated platform server 24. The above-mentioned point-of-sale machine is usually equipped with a code reader, and the payment code is converted into a two-dimensional bar code and displayed on the screen of the consumer electronic device 21 for reading by the bar code reader.
當該整合平台伺服器24接收來自該銷售端伺服器23的付款指令時，該整合平台伺服器24連線至該金融伺服器22進行一付款作業，接著，該整合平台伺服器24產生並傳送一對應該付款作業的付款結果至該銷售端伺服器23及該行動支付端伺服器25儲存，此時，消費者可透過該消費端電子裝置21連線到該行動支付端伺服器25查詢該付款結果，該行動支付端伺服器25也可以主動通知或推送該付款結果至該消費端電子裝置21，而商家也可以在該銷售端伺服器23獲知該付款結果。 When the integrated platform server 24 receives the payment instruction from the sales server 23, the integrated platform server 24 connects to the financial server 22 for a payment operation, and then the integrated platform server 24 generates and transmits A payment result of the payment service to the sales server 23 and the mobile payment server 25 is stored. At this time, the consumer can connect to the mobile payment server 25 via the consumer electronic device 21 to query the payment result. As a result of the payment, the mobile payment server 25 can also actively notify or push the payment result to the consumer electronic device 21, and the merchant can also know the payment result at the sales server 23.
特別說明的是，線下付款的服務在使用前必須要先進行「約定」，也就是確認該消費端電子裝置21的身分，並且決定要用哪一種付款方式及記錄相關資料，如信用卡、約定帳戶等。上述之「約定」，作法如下：首先，依據消費者在該消費端電子裝置21的操作，該行動支付端伺服器25接收來自該消費端電子裝置21的消費端識別資訊及一要求約定指令，並傳送該消費端識別資訊及該要求約定指令至該整合平台伺服器24，以供該整合平台伺服器24產生一對應的連線識別碼透過該行動支付端伺服器25傳送至該消費端電子裝置21。 In particular, the offline payment service must first perform the "convention" before use, that is, confirm the identity of the consumer electronic device 21, and decide which payment method to use and record related information, such as credit card, agreement. Account, etc. The above-mentioned "convention" is as follows: First, according to the operation of the consumer electronic device 21, the mobile payment server 25 receives the consumer identification information and a request for the appointment instruction from the consumer electronic device 21, And transmitting the consumer identification information and the request agreement instruction to the integrated platform server 24, so that the integrated platform server 24 generates a corresponding connection identification code to be transmitted to the consumer electronic device through the mobile payment server 25 Device 21.
然後，當該整合平台伺服器24接收到來自該消費端電子裝置21的一整合平台帳號及該連線識別碼時，該整合平台伺服器24產生一確認資訊，並將該確認資訊傳送至該消費端電子裝置21。接著，該整合平台伺服器24接收該消費端電子裝置21的一付款方式設定指令。該整合平台伺服器24依據設定指令判定一約定結果且該約定結果包括一相關於一付款媒介的付款方式參數，並將該約定結果傳送至該行動支付端伺服器25儲存，以供該消費端電子裝置21查詢該約定結果。特別說明的是，該付款方式參數是信用卡號碼，用以供整合平台伺服器24得知該消費者在該消費端電子裝置21上是使用哪一種付款媒介(如信用卡)付款。 Then, when the integrated platform server 24 receives an integrated platform account number and the connection identification code from the consumer electronic device 21, the integrated platform server 24 generates a confirmation message and transmits the confirmation information to the Consumer electronic device 21. Then, the integrated platform server 24 receives a payment mode setting instruction of the consumer electronic device 21. The integrated platform server 24 determines an agreed result according to the setting instruction, and the agreed result includes a payment mode parameter related to a payment medium, and transmits the agreed result to the mobile payment server 25 for storage. The electronic device 21 queries the agreed result. Specifically, the payment method parameter is a credit card number for the integrated platform server 24 to know which payment medium (such as a credit card) the consumer is using on the consumer electronic device 21.
綜上所述，本實施例的整合式支付系統利用整合平台伺服器，讓消費者利用消費端電子裝置就可以使用多種行動支付服務進行線下付款，或是可以在多個線上購物網站進行線上付款，而不需要重複地在每一種行動支付服務或線上購物網站中分別設定付款資訊，故確實能達成本新型之目的。 In summary, the integrated payment system of the present embodiment utilizes an integrated platform server, so that consumers can use the mobile electronic device to perform offline payment using multiple mobile payment services, or can be online on multiple online shopping websites. Payments, without the need to repeatedly set up payment information in each of the mobile payment services or online shopping sites, can indeed achieve the purpose of this new type.
惟以上所述者，僅為本新型之實施例而已，當不能以此限定本新型實施之範圍，凡是依本新型申請專利範圍及專利說明書內容所作之簡單的等效變化與修飾，皆仍屬本新型專利涵蓋之範圍內。 However, the above is only the embodiment of the present invention, and when it is not possible to limit the scope of the present invention, all the simple equivalent changes and modifications according to the scope of the patent application and the contents of the patent specification are still This new patent covers the scope.
1‧‧‧整合式支付系統 1‧‧‧Integrated payment system
11‧‧‧消費端電子裝置 11‧‧‧ Consumer electronic devices
12‧‧‧金融伺服器 12‧‧‧Financial Server
13‧‧‧銷售端伺服器 13‧‧‧Sales Server
14‧‧‧整合平台伺服器 14‧‧‧Integrated platform server
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| TWI726264B (en) * | 2018-01-03 | 2021-05-01 | 開曼群島商創新先進技術有限公司 | Method and device for generating bar code |
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| TWI726264B (en) * | 2018-01-03 | 2021-05-01 | 開曼群島商創新先進技術有限公司 | Method and device for generating bar code |
| US11151433B2 (en) | 2018-01-03 | 2021-10-19 | Advanced New Technologies Co., Ltd. | Barcode generation methods and apparatuses |
| US11526716B2 (en) | 2018-01-03 | 2022-12-13 | Advanced New Technologies Co., Ltd. | Barcode generation methods and apparatuses |
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