TWM570994U - Payment and collection system - Google Patents

Abstract

A payment and collection system receives a checkout data from a domestic store, and calculates an overseas currency payment according to a current exchange rate value corresponding to one of the transaction countries and a domestic currency checkout amount. Amount, and generate and transmit a transaction verification request for the checkout information to a pair of overseas payment providers in the country of the transaction. When the payment and collection system receives a payment confirmation notice from the foreign payment provider and corresponding to the transaction verification request, the foreign currency currency payment amount and the exchange rate value are exchanged to generate a foreign currency The account for the checkout amount is disbursed, and after receiving the clearing account containing the amount of the foreign currency payment, the account is transferred to a contracted account of the domestic store.

Description

Payment and collection system

The present invention relates to a payment and collection system, and in particular to a payment and collection system involving third party payment.

In recent years, the use of third-party payment tools for consumption has become increasingly popular, giving consumers a more diverse choice of payment methods.

An existing payment and collection system is, for example, managed by a bank and can be used by consumers to use a third-party payment tool outside the country for consumption in a domestic store (for example, using a third-party payment instrument in the United States in a store in Taiwan) .

Specifically, when the consumer uses the third-party payment tool to perform a checkout operation of a transaction in the domestic store, the payment and collection system receives a checkout data from the domestic store, and the payment and collection The system will first convert the domestic currency checkout amount (for example, NT$X) in the billing data into a foreign currency payment amount (for example, US dollar Y) based on the current exchange rate, and then the foreign currency. The currency payment amount is provided to a payment provider corresponding to the third party payment instrument for verification of the transaction. If the transaction is established, the payment and collection system will receive the clearing account that is remitted by the third-party payment instrument provider and includes the foreign currency payment amount (ie, US$Y). The clearing account is exchanged for NT$, and the domestic currency checkout amount (ie NT$X) is allocated to the account of the domestic store.

However, the third-party payment instrument manufacturer may perform liquidation only after several days or even tens of days after the transaction is established, so the exchange rate of the payment and collection system when receiving the clearing account may be related to receiving the pen The exchange rate at the time of the account information is different. Therefore, when the payment and collection system exchanges the clearing account into the new Taiwan dollar, the amount of the new Taiwan dollar equivalent to the US dollar Y yuan may be Z yuan instead of the original X yuan, but even so, the payment cum The amount of the account allocated to the domestic store by the collection system still needs to meet the domestic currency checkout amount (ie NT$X) at the time of the consumer’s initial checkout, that is, for the bank, it needs The burden is due to fluctuations in exchange rate values (ie, NT$ZX), which is liable to cause inconvenience in accounting management.

Accordingly, it is an object of the present invention to provide a payment and collection system that overcomes the inconveniences of the prior art.

Therefore, the new payment and collection system includes a first server and a second server electrically connected to the first server. The first server is adapted to electrically connect to a domestic store end and an overseas payment provider corresponding to a transaction country. When the first server receives a pair of domestic store identification materials, a domestic currency checkout amount, and a settlement information of the transaction country from the domestic store side, according to the corresponding transaction country The other current exchange rate value and the domestic currency checkout amount calculate an overseas currency payment amount, and the first server generates a transaction verification request for the checkout data, and transmits the transaction verification request to The offshore payment provider. When the first server receives a payment confirmation notification from the overseas payment provider and corresponds to the transaction verification request, the foreign exchange payment amount and the exchange rate value are exchanged according to the foreign currency to generate a currency in accordance with the domestic currency For the settlement of the settlement amount, the first server generates a transaction detail corresponding to the subscription payment, and transmits the reservation payment and the transaction details to the second server. After the second server receives a clearing account related to the pen checkout information and includes the foreign currency payment amount, the booking payment account is transferred to a pair of agreed accounts on the domestic store side.

In some implementations of the present invention, the transaction verification request includes the domestic store identification data, the domestic currency checkout amount, the foreign currency payment amount, and a checkout time.

In some implementations of the present invention, when the first server receives the payment confirmation notification, a transaction completion notification of a pair of payment confirmation notifications is also generated and transmitted to the domestic store.

In some implementations of the present invention, the transaction completion notification includes the domestic store identification data, the domestic currency checkout amount, and the checkout time.

In some implementations of the present invention, the transaction details include the domestic store identification data, the domestic currency checkout amount, the foreign currency payment amount, a checkout time, and an agreement to agree on an account. account number.

The effect of the new model is that the payment and collection system can not only be used by consumers to use foreign third-party payment tools to be consumed in domestic stores, but the exchange rate of the first server exchange rate is already determined when the transaction is established, so even After the transaction is established, the exchange rate has changed. When the second server receives the clearing account and allocates it to the agreed account corresponding to the domestic store, it will not generate exchange gains and losses due to exchange rate fluctuations, so it is more convenient. The management of the bank unit in accounting.

Referring to FIG. 1, an embodiment of the present payment and collection system 1 is managed by, for example, a banking unit, but is not limited thereto. The payment and collection system 1 includes a first server 11 and a second server 12 electrically connected to the first server 11. In the embodiment, the first server 11 is implemented as a transaction. A single server, and the second server 12 is implemented as a server, for example, but not limited thereto.

In this embodiment, the first server 11 of the payment and collection system 1 is adapted to be electrically connected to a domestic store terminal 20 and an overseas payment provider terminal 30 to communicate with each other through a network. Specifically, the domestic store end 20 can be, for example, a POS machine (the full name of the POS is called Point of Sales) installed at the checkout counter of a domestic store, and the overseas payment provider end 30 corresponds to a transaction country, and for example It is a transaction management server managed by an overseas third-party payment instrument manufacturer. In this embodiment, the transaction country is exemplified by the United States, but is not limited thereto. In addition, the overseas third-party payment tool provider provides third-party payment services through a payment tool application that can be downloaded and installed by a mobile device such as a smart phone or tablet.

Referring to FIG. 1 and FIG. 2 together, the following assumes that a consumer runs the payment instrument application with a mobile device 40 (shown in FIG. 1) and performs a transaction checkout operation at the domestic store, and exemplarily illustrates the implementation. For example, the payment and collection system 1 cooperates with the domestic store terminal 20, the overseas payment provider terminal 30 and the mobile device 40 to implement a third party payment transaction method corresponding to the transaction.

First, step S1 is performed. The domestic store side 20 generates a billing information corresponding to the pen transaction, for example, according to the operation of the store clerk, and transmits the billing information to the first server 11. In this embodiment, the pen checkout data includes a pair of domestic store identification materials that should be domestic store end 20, a domestic currency checkout amount (for example, X yuan NT), and the transaction country (in this embodiment) The middle is the United States), a pair of payment provider identification data that should be used by the foreign payment provider, and a pair of consumer payment instrument account information. The transaction country, the payment provider identification data, and the payment instrument account information are included in a payment barcode displayed by the mobile device 40, for example, and the domestic store terminal 20 scans the code by a code scanning unit. The transaction country, the payment provider identification information and the payment instrument account information are obtained by paying the barcode, but are not limited thereto. Next, step S2 is performed.

In step S2, when the first server 11 receives the pen checkout data from the domestic store end 20, the first server 11 according to the current exchange rate value corresponding to the transaction country and the pen knot The amount of the domestic currency checkout in the account data is calculated as an overseas currency payment amount (for example, Y dollar US dollars), and the foreign currency currency payment amount represents the third party payment mechanism in the third party payment transaction mode. Temporarily pay the money paid by the consumer to the domestic store. Next, step S3 is performed.

In step S3, the first server 11 generates a transaction verification request for the checkout data, and transmits the transaction verification request to the overseas payment provider 30 according to the payment provider identification data in the settlement data. For the foreign payment provider terminal 30 to verify the transaction. In this embodiment, the transaction verification request includes the domestic store identification data, the domestic currency checkout amount, the foreign currency payment amount, the payment instrument account information, and a checkout time, and the checkout time is, for example, The time when the first server 11 receives the billing information, but is not limited thereto. Next, step S4 is performed.

In step S4, when the overseas payment provider terminal 30 receives the transaction verification request, generating a consumption confirmation request including the foreign currency payment amount and the settlement time, and according to the payment instrument in the transaction verification request The account profile pushes the consumer confirmation request to the mobile device 40 for the consumer holding the mobile device 40 to confirm whether or not to consume the transaction. Next, step S5 is performed.

In step S5, when the mobile device 40 receives the consumption confirmation request from the overseas payment provider terminal 30, the consumption confirmation request is displayed on the screen, and the mobile device 40 receives the consumption confirmation request in the case of displaying the consumption confirmation request. When a consumer confirmation command is generated by the consumer operation, a pair of consumer confirmation notifications that should consume the confirmation request are generated and transmitted to the foreign payment provider terminal 30. Next, step S6 is performed.

In step S6, when the overseas payment provider 30 receives the consumption confirmation notification from the mobile device 40, the foreign payment provider 30 determines that the verification of the transaction is successful, and then generates a pair of transaction verification requests. The payment confirmation notification is transmitted to the first server 11. Next, step S7 is performed.

In step S7, when the first server 11 receives the payment confirmation notification from the overseas payment provider terminal 30, the first server 11 generates a checkout amount in accordance with the domestic currency (ie, X yuan NT) The booking payment account, a transaction details corresponding to the booking payment, and a transaction completion notification that should be paid for the confirmation notice. Next, the first server 11 transmits the subscription payment account and the transaction details to the second server 12, and transmits the transaction completion notification to the domestic store terminal 20 for output by the domestic store terminal 20.

Specifically, the first server 11 is a program for exchanging the exchange rate according to the foreign currency payment amount and the exchange rate value when the pen checkout data is received in step S2 to generate the reservation payment account. In more detail, since the transaction country corresponding to the overseas payment provider 30 in the embodiment is the United States, the manner in which the first server 11 exchanges funds is first stored in a US dollar reserve account. The US dollar is deducted from the US dollar (ie, Y-US dollar) that meets the foreign currency's payment amount, and the deducted US dollar is exchanged at the exchange rate for the new Taiwan dollar that meets the domestic currency checkout amount (ie, X-yuan new) (Taiwan)) Finally, the first server 11 will renew the foreign currency that is obtained by the exchange and meets the domestic currency checkout amount as the reservation payment account in a new Taiwanese reserve account, and complete the exchange process. . That is, once the first server 11 receives the payment confirmation notice and confirms that the transaction is established, the exchange process is immediately performed to prepare the NTD money to be allocated to the domestic store in advance.

In addition, in this embodiment, the transaction details include the domestic store identification data, the domestic currency checkout amount, the foreign currency payment amount, the checkout time, and the exchange rate value when the foreign exchange program is performed. And a set of agreed accounts that should agree on the account, but not limited to this. Moreover, the transaction completion notification includes the domestic store identification data, the domestic currency checkout amount, and the checkout time, but is not limited thereto.

After the first server 11 transmits the subscription payment account and the transaction details to the second server 12, the process proceeds to step S8.

In step S8, when the second server 12 receives the subscription payment account and the transaction details from the first server 11, the reservation payment account and the transaction details are stored. The transaction details are available for the second server 12 to exchange the transaction with other transactions involving exchange of exchanges.

After the second server 12 stores the subscription payment account and the transaction details, when the overseas payment provider 30 determines that the transaction is successful in all transactions, it corresponds to the domestic store identification data (ie, corresponding to If the sum of all the overseas currency payment amounts of the domestic store has been greater than or equal to a predetermined amount (for example, 5,000 US dollars, but not limited thereto), step S9 is performed.

In step S9, the overseas payment provider terminal 30 generates a clearing account including the foreign currency payment amount (ie, Y dollar US dollar) of the transaction, and a clearing information corresponding to the clearing account, the foreign currency The payment provider 30 transfers the clearing account to a clearing account in the second server 12, for example, through an offshore bank (not shown), and transmits the clearing details to the first Server 11. In addition, the clearing account can be, for example, just 5,000 US dollars, and the foreign currency payment amount (Y dollar US dollar) of the transaction is included in the 5,000 US dollars mentioned, assuming Y= 10, the remaining $4,990 of the $5,000 USD is, for example, for other consumers to use the payment instrument application to spend at the domestic store during the payment period, and the amount of foreign currency payment for other transactions generated Sum. Next, step S10 is performed.

In step S10, the first server 11 completes a detailed comparison operation according to the transaction details and the clearing details, and the second server 12 completes the payment according to the reservation and the clearing account. In the case of a flat account operation, the second server 12 transfers the subscription payment account to a pair of agreed accounts that should be on the domestic store side 20. It is worth noting that the subscription payment account is generated when the first server 11 receives the payment confirmation notice, in other words, the exchange rate for the first server 11 to exchange the exchange rate in the transaction. It has been determined at the time of establishment. Therefore, even if the exchange rate changes after the transaction is established, when the second server 12 allocates the agreed account corresponding to the domestic store terminal 20, it will not be changed due to exchange rate fluctuations. The profit and loss of the exchange. It should be noted that since the detail comparison operation and the flat-ticket operation are common knowledge of the application that can be understood by those of ordinary skill in the technical field of the present invention, the details thereof will not be described in detail herein.

In summary, the payment and collection system 1 of the present embodiment can not only be used by consumers to use overseas third-party payment tools for consumption in domestic stores, but also avoids the fluctuation of exchange rate values when the foreign third-party payment instrument makers perform liquidation. The profit and loss of foreign exchange is generated, so it is more convenient for the bank unit to manage the accounting, and it can achieve the purpose of this new type.

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‧‧‧Payment and collection system

11‧‧‧First server

12‧‧‧Second server

20‧‧‧ domestic store side

30‧‧‧Overseas payment provider

40‧‧‧Mobile devices

S1~S10‧‧‧Steps

Other features and effects of the present invention will be apparent from the following description of the drawings. FIG. 1 is a schematic diagram of a hardware block connection, exemplarily illustrating an embodiment of the present payment and collection system. Electrically coupled with a domestic store, an offshore payer, and a mobile device; and FIG. 2 is a flow chart illustrating how the embodiment interacts with the domestic store, the foreign payer, and the action The device works together to implement a third party payment transaction method.

Claims (5)

A payment and collection system, comprising: a first server, configured to electrically connect a domestic store end and an overseas payment provider end corresponding to a transaction country; and a second server electrically connected to the first server Wherein, when the first server receives a pair of domestic store identification materials, a domestic currency checkout amount, and a checkout data of the transaction country from the domestic store side, according to the corresponding The current exchange rate value of the transaction country and the domestic currency settlement amount calculate an overseas currency payment amount, and the first server generates a transaction verification request for the settlement data, and verifies the transaction. The request is transmitted to the overseas payment provider; when the first server receives a payment confirmation notification from the foreign payment provider and corresponding to the transaction verification request, the foreign exchange payment amount and the exchange rate value are exchanged. In order to generate a reservation payment account that meets the domestic currency checkout amount, the first server generates a transaction detail information corresponding to the subscription payment account. And transmitting the subscription payment account and the transaction detail data to the second server; when the second server receives a clearing account related to the billing information and including the foreign currency payment amount After that, the reservation payment account is remitted to a pair of agreed accounts on the domestic store side. The payment and collection system of claim 1, wherein the transaction verification request includes the domestic store identification data, the domestic currency settlement amount, the foreign currency payment amount, and a checkout time. The payment and collection system of claim 1, wherein when the first server receives the payment confirmation notification, a transaction completion notification of a pair of payment confirmation notifications is also generated and transmitted to the domestic store. The payment and collection system of claim 3, wherein the transaction completion notification includes the domestic store identification data, the domestic currency checkout amount, and the checkout time. The payment and collection system of claim 1, wherein the transaction details include the domestic store identification data, the domestic currency checkout amount, the foreign currency payment amount, a checkout time, and a pair The agreed account number of the account should be agreed.