TWM572010U - Payment device - Google Patents

Abstract

A payment device, the payment device includes an output interface, a capture interface, a payment interface, and a transmission interface. The capture interface is used to read an identification code generated by the operating device, wherein the identification code has payment information and amount information corresponding to the payment information. The payment interface is used to receive the remittance instruction of the corresponding amount of data and output the accounting information. The transmission interface is used to transmit the accounting information to the accounting server, wherein the accounting server determines whether the amount of the accounting information is successfully transferred to generate an update instruction. The transmission interface receives an update command from the accounting server, and the output interface outputs the feedback information according to the update instruction.

Description

Payment device

The present disclosure relates to an electronic device and is further related to a payment device.

Based on the advent of the Internet age, the phenomenon of consumers shopping through the Internet has greatly increased. For example, after the consumer places an order through the online shopping platform, the delivery address of the goods can be selected, or the goods can be collected by the convenience super-business first, and then the consumer goes to the payment to pick up the goods. Since the consumer-to-convenience payment mechanism is completed using cash, at the same time, the mechanism that facilitates the delivery of the money received by the company to the manufacturer is not a credible account record, and all the account flow information. All are recorded manually.

Due to the manual mechanism of accounting flow, it often leads to incorrect accounting information or loss in a certain link. In view of this, avoiding the error of trading information is a problem to be solved.

According to an embodiment of the present disclosure, a payment device is disclosed. The payment device includes an output interface, a capture interface, a payment interface, and a transmission interface. The capture interface is used to read the identification code generated by the operating device, wherein This identification code has payment information and amount information corresponding to the payment information. The payment interface is used to receive the remittance instruction of the corresponding amount of data to output the accounting information. The transmission interface is coupled to the output interface, the capture interface, and the payment interface. The transmission interface is used to transmit the accounting information to the accounting server, wherein the accounting server determines whether the amount of the transfer accounting information is successful or not, so as to generate an update instruction. The transmission interface receives an update instruction from the accounting server, and the output interface outputs the feedback information according to the update instruction. The feedback information is a message that records the amount of money that has been paid for the payment information.

According to another embodiment, a payment method is disclosed that is applicable to a payment device. The payment device includes an output interface, a capture interface, a payment interface, and a transmission interface. The transmission interface is coupled to the output interface, the capture interface, and the payment interface. The payment method includes the following steps: the interface reads the identification code, wherein the identification code has payment information and amount information corresponding to the payment information. The payment interface receives the remittance instruction of the corresponding amount of data to output the accounting information. The transmission interface transmits the accounting information to the server, wherein the accounting server determines whether the amount of the transfer accounting information is successful or not, so as to generate an update instruction. The transport interface receives an update command from the accounting server. And the output interface outputs the feedback information according to the update instruction, wherein the feedback information records the information of the amount information of the payment information.

The above and other objects, features, advantages and embodiments of the present disclosure will become more apparent and understood.

100‧‧‧ payment system

110‧‧‧ payment device

111‧‧‧Select interface

113‧‧‧Payment interface

115‧‧‧Transport interface

117‧‧‧Output interface

120‧‧‧Operator

121‧‧‧ID

130‧‧‧Intermediary system

500‧‧‧Accounting Server

600‧‧‧Manufacturer Server

700‧‧‧Financial Control Server

200, 300‧‧‧ payment method

Steps S210, S220, S230, S240, S250, S251, S252, S260, S261, S262, S270‧‧

The detailed description below will be readily appreciated by reference to the accompanying drawings. It should be noted that the various features in the drawings are not necessarily drawn to scale. In fact, out of theory For the purpose of clarity, the dimensions of the features may be arbitrarily increased or decreased.

1 is a functional block diagram of a payment system in accordance with some embodiments of the present disclosure.

2 is a flow chart showing the steps of a payment method in accordance with some embodiments of the present disclosure.

FIG. 3 is a flow chart showing the steps of a payment method according to other embodiments of the present disclosure.

The following disclosure provides many different embodiments or examples in order to implement various features of the present invention. Specific examples of components and permutations are described below to simplify the creation. Of course, the examples are merely exemplary and are not intended to be limiting. For example, forming the first feature over the second feature or the second feature in the following description may include forming the first feature and the second feature in direct contact, and may also include the first feature and the second feature Additional features are formed between the features such that the first features and features may not be in direct contact. In addition, this creation may repeat component symbols and/or letters in each instance. This repetition is for the purpose of clarity and clarity, and is not intended to be a limitation of the various embodiments and/or configurations discussed.

Please refer to FIG. 1 , which illustrates a functional block diagram of a payment system 100 in accordance with some embodiments of the present disclosure. As shown in FIG. 1, the payment system 100 includes a payment device 110, an operation device 120, and an intermediary system 130. The payment device 110 includes a capture interface 111, a payment interface 113, a transmission interface 115, and an output interface 117. The transmission interface 115 is respectively coupled to the capture interface 111, payment interface 113 and output interface 117. The operating device 120 is configured to generate an identification code 121 having data. The capture interface 111 can be a sensor or tag reader that can read a one-dimensional barcode, a two-dimensional barcode (such as a Quick Response Code, QR code), or a Near Field Communication (NFC).

In some embodiments, the payment device 110 is an automated teller machine (ATM) that is placed at a certain point (eg, a family-friendly super-business or bank, etc.). In other embodiments, the payment device 110 is an automated teller machine having a cash deposit function. The payment interface 113 can be configured in the above-mentioned automatic teller machine. The payment interface 113 has a deposit institution and can provide a deposit function. For example, the user can operate the cash transfer function button on the payment device 110, and the payment interface 113 collects the banknotes. The mechanism that opens, or collects coins, can receive coins that the user directly inputs, and the payment interface 113 adds up the total amount of such notes and/or coins. After obtaining the total amount, the payment device 110 updates the information to the bank back-office so that a deposit account is added to the bank account to be transferred, and the deposit (cash transfer) is completed. In some embodiments, the user can place the withdrawal card into the payment device 110, and the payment device 110 is connected to the bank background, and the transfer amount is used to transfer the amount of the user's bank account to the designated bank account. Deposit (debit card transfer).

The operating device 120 can provide a plurality of payment functions for the user to view and select items to pay for money by operating a display device (not shown) on the device 120. The operating device 120 correspondingly generates an identification code 121 according to the selected item (for example, payment for charging), and the identification code 121 has payment information and amount information corresponding to the payment information. For example, the convenience store The player wants to pay the order fee collected from the customer to the manufacturer, and the user can first select the operation from the operating device 120, and the operating device 120 generates the order-related information (such as the buyer name, the seller name, the product item, and the transaction path). The identification code 121 of the item amount, the bank account of the payee, and the like. The printed identification code can be a one-dimensional barcode or a two-dimensional barcode. After the identification code 121 is generated, the operation device 120 prints the identification code 121, or transmits the identification code 121 to other electronic devices (not shown) for display. Therefore, the user can hold the identification code 121 outputted by the operating device 120 (or the identification code 12 displayed on the electronic device) to the capture interface 111 of the payment device 110, and the identification code 121 is read by the capture interface 111. In some embodiments, the operating device 120 can be a multimedia device (eg, FamiPort) or other electronic device with networking capabilities.

As shown in FIG. 1, the transmission interface 115 of the payment device 110 is in communication with the accounting server 500, and the transmission interface 115 is used for transmission and reception of data or instructions between the accounting servers 500. The accounting server 500 is in communication with the intermediary system 130 and the financial control server 700, respectively. The accounting server 500 is configured to transmit the accounting related result notification to the intermediary system 130, so that the intermediary system 130 obtains a notification to instruct the vendor server 600 communicatively coupled to the intermediary system 130 for subsequent processing. On the other hand, the accounting server 500 also transmits the accounting related results to the financial control server 700, and the financial management server 700 performs cross-bank settlement and clearing of the financial institution accounts, and monitors and manages the money circulation. . The detailed operational steps of the payment device 110 of Fig. 1 will be described later.

Please refer to FIG. 2, which illustrates a flow chart of the steps of a payment method 200 in accordance with some embodiments of the present disclosure. In order to more clearly explain the payment method 200 executed by the payment device 100, please refer to FIG. 1 and FIG. 2 together. Take The following embodiment will explain, for example, the flow of steps of the information flow and the accounting flow for the payment service of the whole family.

In some embodiments, the user wants to pay the collected amount to the relevant vendor. First, the user selects the service for paying the collected amount at the operating device 120 to generate the identification code 121, and the related detailed operation has been as described above. Next, the user places the identification code 121 near the capture interface 111 of the payment device 110. In step S210, the capture interface 111 reads the identification code 121 and identifies the payment information and the amount information on the identification code 121. The payment information is, for example, the information in the order, such as the buyer name, the seller name, the commodity item, the transaction channel, the commodity amount, the bank account of the payee, and the like. The amount information is, for example, the amount of the item in the order information.

Then, in some embodiments, the payment interface 113 opens the institution that collects the banknotes after obtaining the order information, and provides the user with the cash for depositing the corresponding amount of information. In other embodiments, the payment interface 113 determines whether the user's withdrawal card information is read, further debits the debit card account, and transfers the amount to the designated account. In step S220, the user receives the remittance instruction of the corresponding amount of money through the cash transfer function or the debit card transfer function of the payment device 110 to output the account information. The account information can be related information for the information exchange between the payment device 110 and the bank background, such as the amount of money received, the amount of the debit card withheld, the credit card authorized deduction amount, the bank account information of the payee, and the commodity item. , ATM number, etc. The payment interface 113 may be a cash deposit circuit of an automatic teller machine, a cash card transfer circuit or a credit card authorization deduction circuit. For example, the payment screen (not shown) of the payment device 110 presents the payment read by the retrieval interface 111. The amount and the account are credited, and the user is selected by the display screen to select the method of payment. In the embodiment in which the user selects to transfer funds by cash, the payment interface 113 is a mechanism having a cash deposit function, and receives the banknotes or coins that the user has placed in accordance with the amount of money.

Next, in step S230, the transmission interface 115 transmits the accounting information to the accounting server 500. In some embodiments, the billing server 500 may be a bank backend system to which the bank account of the payee recorded in the identification code 121 belongs to access the money circulation of each bank account.

The accounting server 500 transmits the accounting information to the financial control server 700, and the financial management server 700 that controls the transaction environment security performs the inter-bank settlement and clearing of the financial institution accounts, and monitors the money circulation. management. The financial control server 700 is, for example, a standalone server of a financial company.

In step S240, after receiving the data, the accounting server 500 determines whether the process of transferring the amount of the foregoing accounting information is successful, so as to generate an update instruction correspondingly. The update command can be a message indicating that the transaction was successful or failed. If the account server 500 determines that the amount has been successfully transferred to the designated bank account, then, in step S250, the account server 500 determines to transfer the amount of the foregoing account information to the payee's bank account is valid, then new Increase the transfer amount and related transaction information to the payee's bank account. At the same time, the accounting server 500 returns an update command to the transmission interface 115 of the payment device 110 to notify the payment device 110 of the information about the successful transfer or remittance.

Next, in step S260, the output interface 117 of the payment device 110 outputs the feedback information according to the foregoing update instruction, wherein the feedback information records the information of the amount information of the payment information, or the amount transfer fails. Warning message. For example, the output interface 117 can be a circuit or mechanism having a printing function, and the output interface 117 further prints a small white list of payment vouchers for payment of payment information (for example, the successful transaction of the aforementioned payment amount) Information), or print out the message that the transaction failed. In other embodiments, the output interface 117 can transmit the payment voucher to the user's mobile device (not shown), so the payment device 110 can also print the payment voucher without having to print the receipt of the paper.

Accordingly, the payment device 100 of the present disclosure reliably delivers the correct amount to the bank account of the payee through the hardware function of the payment device 101, thereby avoiding the general use of the Point of Sales (POS) system. After reading the identification code 121, since the general POS machine can only record the data of the barcode, and then manually count the corresponding amount, the method of transferring the collection does not ensure that the clerk has the correct amount into the cash register. The problem. On the other hand, the clerk or user may get a wrong remittance message because of fraudulent means, such as transferring the remittance payee to the fraud account, causing the store to suffer losses.

Referring to FIG. 1, the intermediation system 130 is communicatively coupled to the accounting server 500 for receiving accounting information from the accounting server 500. In some embodiments, the billing server 500 and the intermediation system 130 can be private line data transmissions. After the intermediary system 130 receives the accounting information, the intermediary system 130 sends a notification to the corresponding vendor server 600 in the accounting information, and indicates to the vendor server 600 that the foregoing accounting server 500 has successfully received the accounting information. The amount is detailed as follows.

Please refer to FIG. 3, which illustrates other implementations according to the present disclosure. A flow chart of the steps of a payment method 300 in the embodiment. In order to more clearly explain the payment method 300 executed by the payment device 100, please refer to FIG. 1 and FIG. 3 together. The following examples will illustrate, for example, the convenience of the whole family to pay for the relevant goods or the purchase of game points, telecommunications service stored value points, e-vouchers or other stored value types of information flow and account flow Step process. The steps S210 to S250 in the payment method 300 are the same as the above-mentioned payment method 200, and the same elements and steps are denoted by the same reference numerals and will not be described again.

After the accounting server 500 generates the update command, step S251 is then executed, and the accounting server 500 transmits the accounting information to the intermediary system 130. In this step, the intermediary system 130 knows that the account server 500 has successfully deposited the amount entered by the user, that is, the payment status of the payee's bank account, and the corresponding amount has been confirmed by the accounting server 500. Entered. Next, in step S252, the mediation system 130 issues a notification to the vendor server 600 indicating that the account server 500 has successfully received the amount.

In the embodiment where the user purchases the physical goods that need to be sent by the manufacturer, the vendor server 600 receives the notification information of the payment completion, and also receives the relevant information of the order, such as the buyer name, the seller name, and the product. Items, trading channels, commodity amounts, etc., and the manufacturer will further send the purchased goods to the designated address to the paid user.

On the other hand, in step S251, the accounting server 500 also returns the update command to the payment device 110, and performs step S260 as shown in Fig. 2, and the output interface 117 prints out the payment for the payment. The small white list of the payment vouchers of the information, and complete the process of the user collecting the relevant commodity expenses in the supermarket.

Returning to the foregoing step S252, the intermediary system 130 issues a notification to the vendor server 600 indicating that the account server 500 has successfully collected the amount. In an embodiment in which the user purchases game points, the intermediary system 130 first accesses the stored value number of the brand new game point card to the vendor server 600. Next, the intermediary system 130 returns the obtained stored value number to the accounting server 500, causing the accounting server 500 to encode the stored value number in the update command. Next, in step S261, the accounting server 500 transmits an update command to the transmission interface 115 of the payment device 110. Next, in step S262, after the payment device 110 obtains the update command through the transmission interface 115, the payment device 110 decodes the update command to obtain the message that the money has been successfully deposited, and the stored value number of the brand new game point card. Next, the output interface 117 generates feedback information according to the update instruction. For example, the output interface 117 prints a small white book with a payment voucher and a stored value number of the game credit card in a paper form.

In other embodiments, the stored value number of the game point card may be pre-coded in the identification code 121 generated by the operating device 120. Therefore, in step S252 of the payment method 300, the intermediary system 130 only needs to notify the vendor server 600 that the amount has been successfully collected, without accessing the stored value serial number to the vendor server 600, and returning the stored value number to the account. Server 500. At this time, in step S261, the update instruction transmitted by the accounting server 500 does not need to have a stored value number. Therefore, in step S262, the payment device 110 can know that the stored value number of the game point card in the identification code 121 can be enabled according to the update command, so that the output interface 117 directly outputs the stored value number and the payment certificate. It should be noted that the foregoing stored value serial number can be approved by the manufacturer server 600, so that the user can use the stored value serial number without being used by the manufacturer. The server 600 rejects it.

In summary, the payment device 110 of the present disclosure, as well as the payment method 200 and the payment method 300, provide a more robust charging and payment mechanism between enterprises and enterprises, between general consumers and enterprises, or between general consumers. When collecting and collecting transactions, you can enjoy the convenience of automatically generating the payment identification code 121 to make payment, and simplify the checkout process of consumers in the store. In addition, the payment mechanism provided by the present disclosure completely records the money flow and information flow of the payer and the payee through the automatic deposit and withdrawal machine with deposit and withdrawal functions, and ensures that the payee's bank account is collected. Corresponding money, in addition to the clerk does not have to deal with cash, can reduce the risk of store cash, but also reduce the clerk's labor operations, and secondly because the checkout process is transferred to the payment device 110 to complete, reducing the risk of shop fraud . Moreover, when the payee is a fraud group, the bank account can be frozen immediately to avoid the money loss of the payer, and the damage is minimized. At the same time, it can also prevent the unscrupulous person from counterfeiting the manufacturer or the clerk to collect the money. The commercial cable replaces the charge and preserves the soundness of the overall collection process.

The features of several embodiments are summarized above so that those skilled in the art can better understand the aspects of the present invention. Those skilled in the art will appreciate that the present invention can be readily utilized as a basis for designing or modifying other processes and structures to achieve the same objectives and/or achieve the same advantages of the embodiments described herein. It will be appreciated by those skilled in the art that such equivalent constructions are not departing from the spirit and scope of the present invention, and various changes, substitutions and alterations herein may be made without departing from the spirit and scope of the invention.

Claims (5)

A payment device includes: a capture interface for reading an identification code generated by an operating device, wherein the identification code has a payment information and an amount of money corresponding to the payment information; a payment interface for receiving the pair One of the amount information is a remittance instruction for outputting a billing information; a transmission interface coupled to the retrieval interface and the payment interface, the transmission interface for transmitting the accounting information to a billing server, wherein the account is The server determines whether the amount of the account information is successfully transferred or not to generate an update command, wherein the transmission interface receives the update command from the account server; and an output interface coupled to the transmission interface, The output interface outputs a feedback information according to the update instruction, wherein the feedback information records a message of the amount information of the payment information. The payment device of claim 1, wherein: an intermediary system is connected to the account server, wherein the intermediary system is configured to receive the account information from the account server to correspond to the account information. The vendor server notifies the account server that the amount of the billing information has been successfully received, and that the intermediary system receives a stored value sequence number from the vendor server. The payment device of claim 2, wherein the intermediary system returns the stored value number to the account server, so that the account server generates The update instruction includes the stored value sequence number. The payment device of claim 1, wherein the output interface generates the feedback information according to the update instruction, including: enabling the stored value serial number corresponding to the payment information, printing a payment certificate corresponding to the payment information, and printing the pair At least one of the stored value numbers of one of the payment information. The payment device of claim 1, wherein the output interface generating the feedback information according to the update instruction comprises: the output interface transmitting the payment voucher and the stored value number to a mobile device.