TWM569452U - Mobile payment system - Google Patents

Abstract

A mobile payment system includes a server unit, a plurality of positioning devices, and a plurality of transaction hosts. When the server unit determines that the current location data received by one of the positioning devices falls to a service location, The server unit transmits the user identification data corresponding to the positioning data, the corresponding credit card data and the corresponding one of the license plate number data to the transaction host set at the service location, and the transaction host displays the license plate number data. The transaction host selects one of the license plate number data displayed by the transaction host as a target license plate number according to the operation of the corresponding operator, and transmits a transaction request including the transaction amount and the credit card information corresponding to the target license plate number data. The credit card acquiring system.

Description

Mobile payment system

The present invention relates to a payment system, and more particularly to a mobile payment system.

In recent years, the payment method has become more and more convenient, and the scope of use has become wider and wider. From the convenience of supermarkets, general stores, chain stores and taxis, etc., mobile payment can be used. In the near future, gas stations can be used according to regulations. Pay by action to pay.

When the gas station uses the action payment, the consumer must get off the vehicle and carry the mobile device to the toll booth's transaction host for sensing or scanning to pay, and there is still room for improvement in convenience.

Therefore, the purpose of the present invention is to provide a mobile payment system.

Therefore, the new mobile payment system is adapted to communicate with a credit card acquiring system, the mobile payment system comprising a server unit, a plurality of positioning devices, and a plurality of transaction hosts, the server unit storing a plurality of service locations and User data, each user data includes a user identification data, a credit card information and a license plate number data. The positioning devices are connected to the server unit, and each positioning device is adapted to move with a vehicle as its carrier, and can calculate a positioning data indicating a location of the device, and the positioning data is associated with the positioning device. User identification data is transmitted to the server unit. The transaction hosts are respectively operated by a plurality of operators, and are connected to the server unit, and are respectively disposed at the service locations.

When the server unit determines, according to the currently received location data, that the location indicated by the currently received location data falls within one of the service locations as a service location of a target location, the server unit will be current The received user identification data corresponding to the positioning data, the corresponding credit card data and the corresponding license plate number data are transmitted to the transaction host set at the target location.

When the transaction host receives the user identification data, the credit card information and the license plate number data from the server unit, the transaction host displays the license plate number data.

The transaction host selects one of the license plate number data displayed by the transaction host as a target license plate number data according to the operation of the corresponding operator.

The transaction host transmits a transaction request to the credit card acquiring system according to the operation of the corresponding operator, the transaction request includes a transaction amount, and the credit card information corresponding to the target license plate number data, and the transaction request causes the The credit card acquiring system executes a credit card transaction procedure corresponding to the transaction amount of the transaction request and the credit card information.

In some implementations, each transaction host is adapted to communicate with a tanker, the transaction amount of the transaction request being related to an original transaction amount received from the tanker and indicating a fueling fee.

In some implementations, each user profile stored by the server unit further includes a transaction history record. When the credit card acquiring system completes the credit card transaction procedure, the credit card acquiring system returns a transaction completion notification to the transaction host. When the transaction host receives the transaction completion notification, the transaction host transmits a transaction record to the server unit, the transaction record includes the user identification data corresponding to the target license plate number data, a current date and time, and the The transaction amount and the credit card information requested by the transaction. When the server unit receives the transaction record, the server unit adds the transaction record to the transaction history record corresponding to the user identification data of the transaction record according to the user identification data of the transaction record.

In some implementations, each transaction host stores a plurality of preferential discount calculation principles and a plurality of preferential discount conditions respectively corresponding to the preferential discount calculation principles. Before the transaction host transmits the transaction request to the credit card acquiring system, the transaction host determines whether the credit card data corresponding to the target license plate number data meets one of the preferential discount conditions. Determining, by the transaction host, that the credit card data corresponding to the target license plate number data meets one of the preferential discount conditions, the transaction host calculates the preferential discount calculation principle corresponding to an original consumption amount and the one of the preferential discount conditions. The transaction amount. When the transaction host determines that the credit card information corresponding to the target license plate number data does not meet one of the preferential discount conditions, the transaction host uses the original consumption amount as the transaction amount.

The function of the present invention is to match the currently received positioning data when the server unit determines that the currently indicated position of the positioning data falls on the target location according to the currently received positioning data. The user identification data, the corresponding credit card data and the corresponding license plate number data are transmitted to the transaction host set at the target location, and the transaction host displays the license plate number data, and the transaction host is configured according to the corresponding The operation of the operator selects one of the license plate number data displayed by the operator as the target license plate number data, and transmits the transaction request including the transaction amount and the credit card information corresponding to the target license plate number data to the credit card receipt. The system, in order to achieve the effect of the owner can complete the transaction without getting off the bus.

Referring to FIG. 1, a first embodiment of the present mobile payment system 100 is adapted to communicate with a credit card acquiring system 5, the mobile payment system 100 including a server unit 1, a plurality of positioning devices 2, and a plurality of transaction hosts. 3.

The server unit 1 stores a plurality of service locations B1 and a plurality of user profiles B2. Each user profile B2 includes a user identification data C1, a credit card data C2, a license plate number data C3, and a transaction history record C4.

The positioning devices 2 are connected to the server unit 1, and each positioning device 2 is adapted to move with a vehicle as a carrier and to calculate a positioning data indicating the location of the vehicle itself. Each positioning device 2 is a smart phone, a tablet computer or a car computer with a positioning function, but is not limited thereto.

The transaction hosts 3 are connected to the server unit 1 and are respectively disposed at the service locations B1 and are respectively operated by a plurality of operators. Each transaction host 3 stores a plurality of preferential discount calculation principles D1 and a plurality of preferential discount conditions D2.

Referring to Figures 1 and 2, the steps of the payment method of the mobile payment system 100 are described below.

First, as shown in step S01, one of the positioning devices 2 transmits the positioning data and the corresponding user identification data C1 to the server unit 1.

Then, as shown in step S02, the server unit 1 determines, according to the currently received location data, whether the location indicated by the currently received location data falls in one of the service locations B1, and if not, Then the process ends, and if so, step S03 is performed.

Then, as shown in step S03, the server unit 1 determines, according to the currently received location data, that the location indicated by the currently received location data falls on one of the service locations B1 as a target location. At the service location, the server unit 1 transmits the user identification data C1 corresponding to the currently received location data, the corresponding credit card data C2, and the corresponding license plate number C3 data to the target. The location of the transaction host 3.

Then, as shown in step S04, when the transaction host 3 receives the user identification data C1, the credit card data C2, and the license plate number C3 data from the server unit 1, the transaction host 3 displays the license plate number C3. .

Next, as shown in step S05, the transaction host 3 selects one of the license plate numbers C3 displayed on the transaction host 3 as a target license plate number data according to the operation of the operator.

Next, as shown in step S06, the transaction host 3 receives an original transaction amount. In the present embodiment, the service locations B1 respectively indicate locations of a plurality of gas stations, each of which is adapted to communicate with a fuel dispenser 4 of the service location B1 in which it is located. The original transaction amount received by the transaction host 3 is from the tanker 4 with which the transaction is communicated, and the original transaction amount indicates the refueling fee. However, the location of the new application is not limited to the gas station, and the parking lot can also be the place for the new application.

Next, as shown in step S07, the transaction host 3 determines whether the credit card data C2 corresponding to the target license plate number data meets one of the preferential discount conditions D2. If otherwise, the transaction host 3 performs the original consumption. The amount is the amount of the transaction. If yes, step S09 is performed.

In step S09, the transaction host 3 calculates the transaction amount according to the preferential discount calculation principle D1 corresponding to the original consumption amount and the one of the preferential discount conditions D2.

Next, as shown in step S10, the transaction host 3 transmits a transaction request to the credit card acquiring system 5 in accordance with the operation of the corresponding operator. The transaction request includes a transaction amount and the credit card information C2 corresponding to the target license plate number data. The transaction request causes the credit card acquiring system 5 to execute a credit card transaction procedure corresponding to the transaction amount of the transaction request and the credit card information C2. The credit card acquiring system 5 notifies the transaction host 3 of the return of a transaction after performing the completion of the credit card transaction procedure.

Next, as shown in step S11, when the transaction host 3 receives the transaction completion notification returned by the credit card acquiring system 5, the transaction host transmits a transaction record to the server unit 1. The transaction record includes the user identification data C1 corresponding to the target license plate number data, a current date and time, and the transaction amount of the transaction request and the credit card data C2.

Then, as shown in step S12, when the server unit 1 receives the transaction record, the server unit 1 adds the transaction record to the user identification of the transaction record according to the user identification data C1 of the transaction record. The transaction history record C4 corresponding to the data C1.

In summary, the mobile payment system 100 of the present invention determines that the location indicated by the currently located location data falls on the target location by the server unit 1 according to the currently received location data. Transmitting the user identification data C1 corresponding to the positioning data currently received, the corresponding credit card data C2 and the corresponding license plate number data C3 to the transaction host 3 disposed at the target location for display by the transaction host 3 The license plate number data C3, and the transaction host 3 selects one of the displayed license plate number data C3 as the target license plate number data according to the operation of the corresponding operator, and transmits the transaction amount and the target license plate. The transaction request of the credit card information C2 corresponding to the number data is requested to the credit card acquiring system 5, so that the owner can complete the transaction without getting off the vehicle, so the purpose of the present invention can be achieved.

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‧‧‧Server unit

2‧‧‧ Positioning device

3‧‧‧Transaction host

4‧‧‧Canine machine

5‧‧‧ Credit card acquiring system

B1‧‧‧Service Location

B2‧‧‧ User Information

C1‧‧‧ User Identification Information

C2‧‧‧ Credit Card Information

C3‧‧‧ License Plate Number Information

C4‧‧‧ transaction history

D1‧‧‧ discount calculation principle

D2‧‧‧ discount conditions

S01~S12‧‧‧Steps

Other features and effects of the present invention will be apparent from the following description of the drawings, wherein: FIG. 1 is a schematic diagram of a hardware connection relationship of an embodiment of the present mobile payment system; and FIG. 2 is the implementation A flow chart of an example illustrates the steps of the payment method of the mobile payment system.

Claims (4)

A mobile payment system is adapted to communicate with a credit card acquiring system. The mobile payment system includes: a server unit that stores a plurality of service locations and a plurality of user profiles, each user profile including a user identification data, a credit card data and a license plate number data; a plurality of positioning devices connected to the server unit, each positioning device being adapted to move with a vehicle as its vehicle, and capable of calculating a positioning data indicating the location of the vehicle itself And transmitting the positioning data together with the corresponding user identification data to the server unit; and the plurality of transaction hosts are respectively operated by a plurality of operators, and are connected to the server unit, and are respectively disposed on the server a server unit, when the server unit determines, according to the currently received location data, that the location indicated by the currently located location data falls within one of the service locations as a service location of a target location, the server unit Corresponding to the user identification data corresponding to the currently received positioning data, corresponding credit card data and corresponding The license plate number data is transmitted to the transaction host set at the target location; when the transaction host receives the user identification data, the credit card information and the license plate number data from the server unit, the transaction host displays the license plate The transaction data host selects one of the displayed license plate number data as a target license plate number data according to the operation of the corresponding operator; the transaction host transmits a transaction request to the corresponding operator according to the operation a credit card acquiring system, the transaction request including a transaction amount and the credit card information corresponding to the target license plate number data, and the transaction request causes the credit card acquiring system to execute a transaction amount corresponding to the transaction request and the credit card Credit card transaction procedures for data. The mobile payment system of claim 1, wherein each transaction host is adapted to communicate with a fuel dispenser, the transaction amount of the transaction request being related to an original transaction amount received from the fuel dispenser and indicating a fueling fee . The mobile payment system of claim 1, wherein each user data stored by the server unit further includes a transaction history record; when the credit card acquiring system completes the credit card transaction program, the credit card acquiring system returns Transmitting a transaction completion notification to the transaction host; when the transaction host receives the transaction completion notification, the transaction host transmits a transaction record to the server unit, the transaction record including the user corresponding to the target license plate number data Identifying the data, a current date and time, and the transaction amount and the credit card information requested by the transaction; when the server unit receives the transaction record, the server unit compares the transaction according to the user identification data recorded in the transaction Recording the transaction history corresponding to the user identification data added to the transaction record. The mobile payment system of claim 1, wherein each transaction host stores a plurality of preferential discount calculation principles and a plurality of preferential discount conditions respectively corresponding to the preferential discount calculation principles; transmitting the transaction request to the transaction host Before the credit card acquiring system, the transaction host determines whether the credit card data corresponding to the target license plate number data meets one of the preferential discount conditions; when the transaction host determines that the credit card data corresponding to the target license plate number data meets the And one of the preferential discount conditions, the transaction host calculates the transaction amount according to the original purchase amount and the preferential discount calculation principle corresponding to the one of the preferential discount conditions; when the transaction host determines the target license plate number data corresponding to the The credit card information does not meet one of the preferential discount conditions, and the transaction host uses the original consumption amount as the transaction amount.