TWM552151U - Market payment system - Google Patents

Abstract

A market payment system includes an underwriter setting device, a plurality of collection devices, a plurality of network connection devices, and a bank account host. The underwriter setting device allows an underwriter to set up a financial card and provides a dealer number to the underwriter. The collection device has a collection device number, and the network connection devices respectively connect the corresponding collection devices.

Description

Trading market payment system

This new type relates to a payment system. In particular, there is a trading market payment system.

With the advancement of technology, the computer industry is also increasingly developed, and all walks of life can quickly use computers and the Internet for transactions and remittances. In addition, due to the increasingly developed network and the increasing popularity of domestic banks, the bank's operating model is gradually changing. By relying solely on deposits or exchanges, the spreads and exchange differences can no longer meet the needs of consumers. All banks are not fully committed, and they hope to expand their business and increase profits.

The new financial products are used to attract customers to the door, and then the customer service loyalty is deeply tied with good service. The change of the competitive environment has made the bank's operational thinking more customer-oriented. Trading in traditional markets is often carried out in cash. In the traditional trading market, each underwriter needed to withdraw a large amount of cash to trade goods.

With the gradual progress of the times, some transactions can be paid by POS (Point of Sales) machine. However, the POS machine uses telephone lines, and once the telephone line quality is poor, it will cause repeated deduction or deduction unsuccessful. Often problems with electronic trading, resulting in a gap between the customer and the store Troubled.

How to provide a convenient and secure trading system will help the security of the transaction and the progress of society.

In view of this, the present invention discloses a transaction market payment system, which can conveniently collect and collect payment between buyers and sellers, effectively avoid the risk of cash transactions, and at the same time increase the convenience and security of payment and payment, and provide buyers at the same time. A list of transactions with the seller to facilitate buyer and seller checkout.

According to an embodiment of the present invention, there is a transaction market payment system including an underwriter setting device, a plurality of payment devices, a plurality of network connection devices, and a bank account host.

Among them, the underwriter setting device provides an underwriter to set up a financial card and provides an underwriter number to the underwriter. Each receiving device has a receiving device number, and the network connecting device is connected to the receiving device one by one.

The bank account host records the transaction data of the above-mentioned payment device.

In one embodiment, each of the payment devices includes a card reading device, such as a wafer financial card reader, and a processing device, such as a computer.

In one embodiment, the network connection device includes an authenticated network connection and the computer includes a certified computer device.

In one embodiment, the transaction market payment system further includes a checkout module to provide a list of transactions for the payment device.

In an embodiment, the checkout module may further provide an underwriter's transaction list.

In one embodiment, the transaction market payment system further includes a financial company and a plurality of other banks for inter-bank deductions.

In summary, in the transaction market payment system disclosed in the present invention, both the payer and the payee can perform the payment and the transaction in real time. The transaction market payment system disclosed in the present invention can provide a bank checkout list required by both buyers and sellers, greatly improving the security and convenience of market transactions, and the accuracy of accounting.

100‧‧‧Transaction Market Payment System

110‧‧‧ Underwriter setting device

120‧‧‧ Receiving device

122‧‧‧ card reading device

124‧‧‧Processing device

130‧‧‧Network connection device

140‧‧‧Bank Account Host

150‧‧‧Checkout Module

160‧‧‧Finance company

170‧‧‧Other bank

The above and other objects, features, advantages and embodiments of the present disclosure will be more clearly understood. The description of the drawings is as follows: FIG. 1 is a transaction market payment system according to an embodiment of the present invention. schematic diagram.

The following is a detailed description of the embodiments, but the embodiments are not intended to limit the scope of the disclosure, and the description of the structural operation is not intended to limit the order of execution, and any components are recombined. The structure and the device with equal efficiency are all covered by the disclosure. In addition, the drawings are for illustrative purposes only and are not drawn to the original dimensions. For the sake of understanding, the same or similar elements in the following description will be denoted by the same reference numerals.

In addition, the terms used in the entire specification and the scope of the patent application, unless otherwise specified, usually have the usual meaning of each word used in the field, in the content disclosed herein and in the special content. . Certain terms used to describe the disclosure are discussed below or elsewhere in this specification to provide additional guidance to those skilled in the art in the description of the disclosure.

The terms “first”, “second”, etc. used in this document are not specifically intended to refer to the order or order, nor to limit the present invention, but merely to distinguish components described in the same technical terms. Or just operate.

Secondly, the terms "including", "including", "having", "containing", and the like, as used herein, are all open terms, meaning, but not limited to.

Referring to FIG. 1 , it is a schematic diagram of a transaction market payment system according to an embodiment of the present invention. As shown, the marketplace payment system 100 includes an underwriter setting device 110, a plurality of collection devices 120, a plurality of network connection devices 130, and a bank account host 140.

The underwriter setting device 110 is for providing an underwriter to set up a financial card, such as a wafer financial card, and to provide an underwriter number to the underwriter. When an underwriter wants to enter the trading market for trading, it first needs to be set up to the underwriters setting device 110 of the trading market counter. The underwriter setting device 110 will provide the underwriter's exclusive underwriter number and can carry out the wafer financial card. Account settings for subsequent checkout.

The collection device 120 may be one or plural, and in a large transaction market, it is usually necessary to provide a plurality of collection devices 120. Each of the payment devices 120 further includes a card reading device 122, such as a crystal Financial card reader. Each of the payment devices 120 further includes a processing device 124, such as a computer, which can be a desktop computer, a notebook computer, or a tablet computer, without departing from the spirit and scope of the present invention.

In addition, it is worth noting that each of the collection devices 120 has a unique collection device number and is certified by a bank, such as a certified computer device. Each network connection device 130 is connected to the corresponding payment device 120 and includes an authenticated network interface to increase the security of the transaction.

The bank account host 140 receives the transaction message via the network, transfers the amount of the transaction to the account corresponding to the payment device 120, and records the transaction information of the payment device 120 described above.

It is worth noting that each payment device 120 connects to the bank's exclusive payment page through the network connection device 130 when the transaction is performed, and returns the underwriter number, the payment device number and the transaction amount to the bank at the same time. Among the account host 140, the bank account host 140 can conveniently and correctly identify the payer and the payee of the transaction, and more conveniently debit the account of the payer, and immediately transfer the money into the account. Among the accounts of the payee.

In an embodiment, the transaction market payment system 100 further includes a checkout module 150, which can provide an individual transaction list of each of the collection devices 120 in real time according to the transaction information in the bank account host 140, and all the receipts are collected. A complete list of transactions for device 120.

In an embodiment, the checkout module 150 can further provide a list of transactions required by the underwriters without departing from the spirit and scope of the present invention.

In an embodiment, the transaction market payment system 100 further includes a financial company 160 and a plurality of other bank libraries 170, used by the underwriters. When the chip financial card is a chip financial card issued by another bank, the action of the financial company 160 is used to perform an inter-bank deduction for the other bank 170.

In summary, the transaction market payment system disclosed by the present invention, the underwriters and the merchants, that is, both the payer and the payee, can immediately perform the payment and the transaction can be completed more immediately. In addition, the transaction market payment system disclosed in the present invention can provide a bank checkout list required by both buyers and sellers, greatly improving the security and convenience of market transactions, and the accuracy of accounting.

The present disclosure has been disclosed in the above embodiments, and is not intended to limit the disclosure. Any one of ordinary skill in the art can make various changes and refinements without departing from the spirit and scope of the disclosure. The scope of protection is subject to the definition of the scope of the patent application.

100‧‧‧Transaction Market Payment System

110‧‧‧ Underwriter setting device

120‧‧‧ Receiving device

122‧‧‧ card reading device

124‧‧‧Processing device

130‧‧‧Network connection device

140‧‧‧Bank Account Host

150‧‧‧Checkout Module

160‧‧‧Finance company

170‧‧‧Other bank

Claims (10)

A transaction market payment system comprising: an underwriter setting device, providing an underwriter to set a financial card, and providing an underwriter number to the underwriter; a plurality of collection devices connecting the underwriter setting devices, each of which The collection device has a payment device number; a plurality of network connection devices are respectively connected to the collection devices; and a bank account host connects the network connection devices and records the collection devices Transaction information. The transaction market payment system of claim 1, wherein each of the collection devices comprises a card reading device. The transaction market payment system of claim 2, wherein each of the collection devices further comprises a processing device. The transaction market payment system of claim 3, wherein the card reading device comprises a wafer financial card reader. The transaction market payment system of claim 4, wherein the processing device comprises a computer. The transaction market payment system of claim 5, wherein the network connection devices comprise authenticated network contacts. The transaction market payment system of claim 6, wherein the computer comprises a certified computer device. The transaction market payment system of claim 7 further includes a checkout module to provide a list of transactions for each of the collection devices. The transaction market payment system of claim 8, wherein the checkout module further provides a list of transactions of the underwriter. The transaction market payment system described in claim 9 further includes a financial company and a plurality of other banknotes for inter-bank deduction.