TWM553842U - Cash-free rapid transaction system - Google Patents

Description

Cash free quick trading system

This creation is a trading system, in particular a cash-free fast trading system that provides account barcodes and quickly pays for payments.

Check, with the development of communication technology and the rapid development of the Internet, online banking (online banking, e-banking, or simply online banking) is a new channel for banking services that has emerged since the Internet era. Financial institutions such as financial institutions provide various financial services to their users through the Internet. According to different users of services, online banking is generally divided into personal online banking and corporate online banking. Internet Bank users can use the browser or proprietary client software to use various financial services provided by the bank, such as account inquiry, transfer, online payment, etc., as long as they have a computer with Internet access. Compared with traditional pipes (such as counters), the biggest feature of online banking is that it is convenient and fast, and there is no need to queue. Account data inquiry can be imported through some software, and can also be used for electronic bill payment, transfer, stock trading, loan application, and account integration.

The prevalence of "Internet shopping" mainly depends on the rapid response of the Internet and the reduction of geographical restrictions. For enterprises, the online platform can save expensive store rent and personnel expenses to provide more competitiveness. For consumers, the use of "electronic payment" payment methods allows you to enjoy the convenience of shopping at home without going out. The so-called "electronic payment" refers to consumers, manufacturers and financial institutions. , through the network of money payments or capital flows, including "online payment", "telephone payment" and "action payment" and other types, so that users can prepare the payment if they have prepared credit card or financial card information. Pay to the merchant and wait for the goods to come to your door at home.

However, there are still many service or shopping consumer groups, still insisting on shopping, browsing physical storefronts, and further shopping in physical stores, rather than simply solving online life through online shopping. Material needs. In this way, payment types such as "electronic payment" and "action payment" are also the development of shopping transactions in physical stores, so that non-network shopping consumer groups can enjoy "electronic payment", "action payment", etc. payment method. Today, the payment types such as "electronic payment" and "action payment" are the accounts of the trust on the website. They are not the payment services that are actually connected to the bank. Therefore, in order to increase the people's trust in "electronic payment" and "action payment", and simplify For online bank transfer, it is necessary to propose an improvement in payment methods.

Therefore, in order to solve the above problems, the present invention provides a cashless quick transaction system, which is to establish a payee's account barcode, so that the payer can use the mobile device to scan the account barcode to make payment, and simplify payment procedures and transfer procedures. .

One of the purposes of the present invention is to provide a cashless quick transaction system, which is to establish a payee's account barcode for the payer to scan the account barcode through the mobile device, so that the mobile banking device of the paying party is based on the account. The transaction information corresponding to the barcode completes the payment to complete the transaction quickly.

For the above purposes, the present invention provides a cashless quick transaction system including a bank server, a first mobile device and a second mobile device, the banking server storing a first account and a second account, the first a mobile device is connected to the banking server and logs into the first account, the first mobile device displays an account barcode according to the first account; and the second mobile device is provided with a scanning unit, and the second mobile device is connected to The bank server logs in to the second account, and the second mobile device scans the account barcode through the scanning unit, and the second mobile device generates a payment message to the bank server according to the second account and the account barcode, The bank server transfers one of the second accounts to the first account according to the payment message. In this way, the creation simplifies the transaction process between the payee and the payer, avoids the wrong entry of the account, and can complete the payment without having to carry the cash out.

The present invention provides an embodiment in which the bank server includes a database and a login unit, the database stores the first account and the second account; the login unit connects the database and The first mobile device and the second mobile device are connected, and the first mobile device and the second mobile device are audited according to the first account and the second account.

The present invention provides an embodiment in that the bank server further includes an encoding unit and a decoding unit, the encoding unit is connected to the database and the first mobile device, and the encoding unit encrypts the account barcode to transmit the encrypted Transmitting the account barcode to the first mobile device; and the decoding unit is connected to the database and the second mobile device, the decoding unit reads and decodes the account barcode to transmit the first account corresponding to the account barcode to the first Two mobile devices.

The present invention provides an embodiment in that the decoding unit further decodes the account barcode to obtain the amount of the payment and a purchase detail, and transmits the same to the second mobile device.

The present invention provides an embodiment in that the scanning unit corresponds to the banking server, the banking server authenticates one of the two mobile devices, and the second mobile device enables the scanning unit.

The present invention provides an embodiment in which the second mobile device reads the first account of the banking server according to the account barcode, and the banking server authenticates the account barcode scanned by the second mobile device to Complete the transfer of the first account.

The present invention further provides a cashless quick transaction system, comprising a bank server, a first mobile device and a second mobile device, wherein the banking server stores a first account and a second account; the first mobile device displays An account barcode, the account barcode corresponds to the first account; and the second mobile device is provided with a scanning unit, the second mobile device is connected to the banking server and logs into the second account, and the second mobile device transmits The scanning unit scans the account barcode, and the second mobile device generates a payment message to the bank server according to the second account and the account barcode, and the bank server transfers one of the second accounts to the server according to the payment message. First account. In this way, the creation further provides the user with a payment account without having to log in for the payment party to make payment.

The present invention provides an embodiment in that the bank server further includes an encoding unit and a decoding unit, the encoding unit is connected to the database and the first mobile device, and the encoding unit encrypts the account barcode to transmit the encrypted The account barcode to the first mobile device; and the solution The code unit connects the database with the second mobile device, and the decoding unit reads and decodes the account barcode to transmit the first account corresponding to the account barcode to the second mobile device.

The present invention provides an embodiment in that the scanning unit corresponds to the banking server, the banking server authenticates one of the two mobile devices, and the second mobile device enables the scanning unit.

The present invention provides an embodiment in which the second mobile device reads the first account of the banking server according to the account barcode, and the banking server authenticates the account barcode scanned by the second mobile device to Complete the transfer of the first account.

1‧‧‧ Cash Free Trading System

10‧‧‧First mobile device

12‧‧‧First touch display unit

14‧‧‧First scanning unit

20‧‧‧Second mobile device

22‧‧‧Second touch display unit

24‧‧‧Second scanning unit

30‧‧‧Bank server

32‧‧‧ Login unit

34‧‧‧ coding unit

36‧‧‧Decoding unit

50‧‧‧Database

52‧‧‧First Account

54‧‧‧second account

B‧‧‧ account barcode

B”‧‧‧ account barcode

1 is a schematic diagram of a system according to a preferred embodiment of the present invention; a second diagram: a flowchart of a preferred embodiment of the present invention; and a third diagram: a schematic diagram of the login screen of the creation The third B picture: it is a schematic diagram of the bar code picture of the creation; the third C picture: it is a schematic diagram of the bar code scanning of the creation; the third D picture: it is a schematic diagram of the confirmation payment of the creation; the fourth picture: A schematic diagram of a system of another preferred embodiment of the present invention; and a fifth diagram: a flow chart of another preferred embodiment of the present invention; and a sixth embodiment: another preferred embodiment of the present invention System diagram.

In order to give your reviewers a better understanding and understanding of the characteristics of the creation and the efficacies achieved, please refer to the preferred embodiment and the detailed description, as explained below: In the following, the illustration will be used to illustrate the Various embodiments of the creation are used to describe the creation in detail. However, the concept of this creation may be embodied in many different forms and should not be construed as being limited The exemplary embodiments set forth herein. In addition, the same reference numerals may be used in the drawings to represent similar elements.

First, please refer to the first figure, which is a schematic diagram of a system according to a preferred embodiment of the present invention. As shown in the first figure, the present invention is a cash-free fast transaction system 1 including a first mobile device 10, a second mobile device 20 and a bank server 30. In particular, the first mobile device 10 is preferably The first touch display unit 12 and the first scan unit 14 are included. The second mobile device 20 preferably includes a second touch display unit 22 and a second scan unit 24. The first mobile device 10 and the second mobile device 20 can be a mobile phone, a tablet computer, a personal digital assistant (PDA) or a wireless network capable endpoint information service (POS) device. In this embodiment, the user of the first mobile device 10 has a first account 52 in the database 50 connected to the bank server 30, and the database of the second mobile device 20 is connected to the database server 30. There is a second account 54 in the 50.

Please refer to the second figure, which is a flow chart of a preferred embodiment of the present invention. In this embodiment, when the first mobile device 10 does not have the account barcode B (as shown in the third B diagram), the first mobile device 10 as the payee must be connected to the second mobile device 20 of the payer. And log in to the bank server 30 at the same time. As shown in step S1, as shown in FIG. 3A, the first mobile device 10 of the present invention can be used to log in to the bank according to the user account and password recorded by the user on the bank server 30. The server 30, thus reading the account information of the first account 52 of the database 50, and converted by the bank server 30 into an account barcode B (as shown in the third B), continues as in step S3, by the first action The device 10 receives the account barcode B transmitted from the bank server 30 (as shown in FIG. 3B), and displays the account barcode B through the first touch display unit 12 as shown in FIG. A mobile device 10 acts as a payee in this embodiment, and the account barcode B corresponds to the first account 52, thus allowing the first account 52 to act as a collection account.

In the above, as shown in step S5, the second mobile device 20 scans the account barcode B displayed by the first touch display unit 12 through the second scanning unit 24, as shown in the third C, the second scanning unit 24 For the image capturing unit (not shown) of the second mobile device 20, the account barcode B displayed by the first touch display unit 12 of the first mobile device 10 is captured and displayed on the second touch display unit. On the screen of 22, as shown in step S7, the second mobile device 20 generates an information request according to the scanned account barcode, and transmits the information request to the bank server 30, so that the bank server 30 acquires the corresponding corresponding to the first mobile device 10. The account information of the first account 52, wherein the second scanning unit 24 corresponds to the bank server 30, and the bank server 30 authenticates one of the login information of the second mobile device 20 (as shown in FIG. The second mobile device 20 can enable the scanning unit 24, that is, the author can further bind the application of the second mobile device 20 to the scanning unit 24, thereby allowing the scanning unit 24 to be Second mobile device 20 Banking authentication server 30, the scanning unit 24 before the operation. Then, as shown in step S9, the amount to be paid is input through the screen of the second touch display unit 22 of the second mobile device 20, and the payment is confirmed by clicking on it.

As shown in step S11, the second mobile device 20 generates a payment message P (as shown in the first figure), and transmits the payment message P to the bank server 30, and the bank server 30 then performs the second according to the payment message P. The amount of money stored in the account 54 is transferred to the first account 52, and the second account transfer payment is completed to the first account 54 as shown in step S13. In addition, another embodiment of the present invention can perform account authentication through the login unit 32 of the bank server 30 or other modules to verify whether the account barcode B is correct and legal, thereby avoiding forgery of barcodes, and after the authentication is completed, The account information corresponding to the account barcode B is transmitted from the bank server 30 to the second mobile device 20. In addition, in this embodiment, not only the account barcode of the first account 52 can be displayed by the first mobile device 10, but the second mobile device 20 scans the account barcode and pays the payment, and the second mobile device 20 can display the second account 54. The account barcode provides the first mobile device 10 to scan the account barcode of the second account 54 and pay the payment.

Please refer to the fourth and fifth figures, which are schematic diagrams and flowcharts of another preferred embodiment of the creation. As shown in the fourth figure, since the user of the first mobile device 10 obtains the account barcode B when logging in to the banking server 30 for the first time, the payee only needs to pass through the first mobile device 10 when the subsequent payment is received. The first touch display unit 12 displays the account barcode B without having to log in to the bank server 30 again. As shown in step S21, the first mobile device 10 acts as a payee and displays the account barcode B. The steps shown in steps S22 to S31 are the same as the steps S5 to S13 described in the previous embodiment. Therefore, the steps shown in steps S22 to S31 are not described in this embodiment.

Please refer to the sixth figure, which is a schematic diagram of a system according to another preferred embodiment of the creation. As shown, the difference between the first, fourth and sixth figures is that the bank server 30 of the sixth figure further sets the encoding unit 34 and the decoding unit 36, which is the codec for the account barcode B. Since the difference between the first picture and the sixth picture is only in the coding unit 34 and the decoding unit 36, the remaining elements will not be described again. After the first mobile device 10 logs into the bank server 30, corresponding to the first account 52 stored in the database 50, the bank server 30 transfers the first account 52 to the encoding unit 34 for encryption to generate an encrypted account barcode B", so the account The barcode B" needs to be corresponding to the private key during the reading process, so that when the application read by the second mobile device 20 cannot correspond to the decoding unit 36 of the bank server 30, the second mobile device 20 cannot be from the account barcode B" The account information is obtained, that is, the account information obtained by the decoding unit 36 cannot decode the account barcode B" is provided to the second mobile device 20.

In the case where the first mobile device 10 and the second mobile device 20 are both logged into the banking server 30, the encoding unit connects the database 50 and the first mobile device 10, and the encoding unit 34 encrypts the account barcode. B, the encrypted account barcode B" is obtained to transmit the encrypted account barcode B" to the first mobile device 10, and the decoding unit 36 is connected to the database 50 and the second mobile device 20, the decoding unit 36 reads The encrypted account barcode B" is fetched and transmitted to transmit the first account 52 corresponding to the encrypted account barcode to the second mobile device 20. In addition, the encoding unit 34 can further increase the amount of the payment and the purchase details. The encrypted account barcode B" is added, so the decoding unit 36 can transmit the amount and the purchase details and the account information from the encrypted account barcode B" to the second mobile device 20 for display on the second mobile device 20. The second touch display unit 22 is on the second display.

It can be seen from the above that the cash-free fast transaction system of the present invention performs cash-free payment through the first mobile device and the second mobile device, and the first mobile device needs to log in to the banking server for the first time to obtain the account barcode, and subsequently No need to log in again, that is, sustainable payment for the same transaction content, use the same account barcode, no need to log in again, thus providing transaction convenience, and binding the scanning unit and account barcode through the bank server, thus avoiding barcode The forgery happens.

However, the above description is only for the preferred embodiment of the present invention, and is not intended to limit the scope of the present invention, and the variations, modifications, and modifications of the shapes, structures, features, and spirits described in the scope of the patent application. , should be included in the scope of the patent application of this creation.

1‧‧‧ Cash Free Trading System

10‧‧‧First mobile device

12‧‧‧First touch display unit

14‧‧‧First scanning unit

20‧‧‧Second mobile device

22‧‧‧Second touch display unit

24‧‧‧Second scanning unit

30‧‧‧Bank server

32‧‧‧ Login unit

50‧‧‧Database

52‧‧‧First Account

54‧‧‧second account

Claims (10)

A cashless quick transaction system, comprising: a bank server storing a first account and a second account; a first mobile device connected to the bank server and logging into the first account, the first a mobile device requests an account barcode from the bank server according to the first account and displays; and a second mobile device is provided with a scanning unit, the second mobile device is connected to the banking server and logs into the second The account, the second mobile device scans the account barcode through the scanning unit and transmits the barcode to the bank server, and the second mobile device gives the banking server processing according to a transaction request. The cash-free quick transaction system of claim 1, wherein the bank server comprises: a database for storing the first account and the second account; and a login unit connected to the database and connected to the database The first mobile device and the second mobile device check the first mobile device and the second mobile device according to the first account and the second account. The cash-free quick transaction system of claim 2, wherein the bank server further comprises: a coding unit that connects the database with the first mobile device, the coding unit encrypts the account barcode, and generates an encryption An account barcode for transmitting the encrypted account barcode to the first mobile device; and a decoding unit that connects the database with the second mobile device, the decoding unit reads and decodes the encrypted account barcode to transmit the account barcode Corresponding to the first account to the second mobile device. For example, the cash-free quick transaction system of claim 3, wherein the decoding unit further decodes the encrypted account barcode to obtain the amount of the payment and a purchase detail, and transmits the same to the second mobile device. The cash-free quick transaction system of claim 1, wherein the scanning unit corresponds to the banking server, the banking server authenticates one of the second mobile devices, and the second mobile device enables the scanning unit . The cash-free quick transaction system of claim 1, wherein the second mobile device reads the first account of the banking server according to the account barcode, and the banking server authenticates that the second mobile device scans and reads The account bar code to complete the transfer of the first account. A cashless quick transaction system, comprising: a bank server storing a first account and a second account; a first mobile device displaying an account barcode, the account barcode corresponding to the first account; a second mobile device, which is provided with a scanning unit, the second mobile device is connected to the banking server and logs into the second account, and the second mobile device scans the account barcode through the scanning unit and transmits the barcode to the bank servo The second mobile device is given to the banking server for processing according to a transaction request. The cash-free quick transaction system of claim 7, wherein the bank server further comprises: a coding unit that connects the database with the first mobile device, the coding unit encrypts the account barcode, and generates an encryption An account barcode for transmitting the encrypted account barcode to the first mobile device; and a decoding unit that connects the database with the second mobile device, the decoding unit reads and decodes the encrypted account barcode to transmit the account barcode Corresponding to the first account to the second mobile device. For example, in the cash-free quick transaction system of claim 7, the scanning unit corresponds to the bank server, the bank server authenticates one of the second mobile devices, and the second mobile device enables the scanning unit. The cash-free quick transaction system of claim 7, wherein the second mobile device reads the first account of the banking server according to the account barcode, and the banking server authenticates that the second mobile device scans and reads The account bar code to complete the transfer of the first account.