<title lang="zh">具有留言功能之行動支付系統</title><technical-field><p>本創作係有關一種行動支付系統，尤其是一種具有留言功能之行動支付系統。</p></technical-field><background-art><p>隨著時代科技進步，人們交易行為不斷演進，從原本以物易物模式轉變為現金交易，因應數位時代的來臨，支付方式亦逐漸走向非現金交易。近幾年，全球各地興起一股降低現金使用的潮流，爭相推展行動支付、信用卡、金融卡等電子支付方案，企圖實現去紙鈔化。科技演進的行動支付應用，正劇烈地影響人們的生活，各式商業活動亦無法置身事外。</p><p>行動支付將促使商家降低儲存現金的風險與成本，消費者也能夠享受不用攜帶現金的便利，體驗行動金融帶來之各項便捷與優惠；新商業模式不僅加速交易成交率，活絡經濟，亦方便政府掌握稅收的來龍去脈，降低地下經濟規模。</p><p>依據資訊工業策進會產業情報研究所 (MIC) 統計，目前以北歐國家對現金的依賴程度最低，已朝向「無現金社會」邁進，而英國與中國亦約有近半數人口使用行動支付；惟仍有大部分國家如美元區、歐元區、乃至於我國，行動支付之使用比例依舊偏低，顯示行動支付市場仍有極大的成長空間！</p><p>而，隨著智慧型手機普及，我國「行動支付」基礎環境逐漸成形，依據國家發展委員會「105 年持有手機民眾數位機會調查」報告顯示，上網人口中，94.6% 持有智慧型手機，且105 年透過手機上網比率 (83.1％ ) 首度超越電腦 (80.4％ )；報告亦指出，平均每百人次有64 人次透過手機掃瞄 QR Code、46 人次透過手機線上購物、以及 35 人次使用手機完成線上付款。</p><p>另，參照資訊工業策進會產業情報研究所 (MIC)2017 年 2 月公布之「行動支付消費者調查」報告，國內 80.2％的消費者有意願在未來會開始或繼續使用行動支付，其中已是行動支付用戶者，更有 96.1％有意願繼續使用；相較於現金或實體卡片，願意以行動支付付款之用戶比例，亦從 2015 年的 59.4％成長到 2016 年的 66.1％；非用戶比例也從 2015年的 19.2％攀升至 2016 年的 30.0％。</p><p>顯示出整體市場對行動支付的偏好度已明顯提升，而進一步分析行動支付使用者行為，使用者選擇的行動支付方案以 QR Code(67.8%) 最為普及，其次是 NFC(42.3%)。</p><p>整體而言，QR Code 支付已成為行動支付時代 O2O 的主要應用模式，簡單、快捷、低成本的特性，促使 QR Code 應用廣泛而且多元，其優點是不限手機廠牌、機型，只要能讀取 QR Code 的手機都能適用，門檻最低。</p><p>而且QR Code 支付中的收單機構不再需要布建實體刷卡機，即可讓各種商家使用 QR Code 完成收款，成本低廉。因此可以預期，QR Code 支付應用在國內行動支付市場具備極大的發展潛力。</p><p>然而，在使用QR Code進行支付的同時，消費端無法及時與銷售端進行互動，使得銷售端於QR Code支付完成後，尚須請消費端提供相關識別資訊及交易需求之處理流程，進而降低整體交易處理效能。</p><p>因此，改善於QR Code支付完成後，尚須進一步提供相關識別資訊及交易需求之處理流程的問題，為相關領域之技術人員有待克服之課題。</p></background-art><disclosure><p>本創作之主要目的，係提供一種具有留言功能之行動支付系統，使消費端在行動支付的同時即可藉由留言欄與識別欄的設置與銷售端進行互動，達到一次即完成支付、消費端識別及交易需求說明之功能。</p><p>為了達到上述之目的，本創作亦揭示了一種具有留言功能之行動支付系統，其包含：一消費端，係透過一電子裝置擷取一二維條碼後，於該電子裝置顯示一留言欄及一識別欄，該電子裝置輸入一交易商品資訊於該留言欄及對應於該消費端之一識別資訊於該識別欄；一支付平台，係接收該電子裝置傳送該二維條碼、該交易商品資訊及該識別資訊後，驗證該二維條碼並產生一支付命令； 一付款金融機構，係接收該支付平台傳送之該支付命令，並依據該支付命令完成交易後，該付款金融機構傳送一交易結果至該支付平台；一收款金融機構，係接收該支付平台傳送之該交易結果；以及一銷售端，係接收該支付平台傳送之該交易結果、該交易商品資訊及該識別資訊。</p><p>本創作提供一實施例，其內容在於具有留言功能之行動支付系統，其中該交易商品資訊進一步包含一交易商品名稱、一交易商品運送資訊、一交易商品種類或一交易需求。</p><p>本創作提供一實施例，其內容在於具有留言功能之行動支付系統，其中該識別資訊進一步包含一姓名資訊、一聯絡資訊、一帳戶資訊或一交易金額資訊。</p><p>本創作提供一實施例，其內容在於具有留言功能之行動支付系統，其中該留言欄進一步包含一交易注意資訊。</p></disclosure><mode-for-invention><p>為使 貴審查委員對本創作之特徵及所達成之功效有更進一步之瞭解與認識，謹佐以實施例及配合說明，說明如後：</p><p>有鑑於在行動支付的同時，無法及時與銷售端進行互動，使得銷售端須於支付完成後，尚須請消費端提供相關識別資訊及交易需求之處理流程，進而降低整體交易處理效能。據此，本創作遂提出一種具有留言功能之行動支付系統，以解決習知技術所造成之問題。</p><p>以下，將進一步說明本創作之一種具有留言功能之行動支付系統所包含之特性、所搭配之結構：</p><p>請參閱第1圖，其係為本創作之一實施例之步驟流程圖。如圖所示，本創作之一種具有留言功能之行動支付之方法，其步驟包含：</p><p>S1：消費端透過電子裝置擷取二維條碼後，於電子裝置顯示留言欄及識別欄；</p><p>S2：電子裝置輸入交易商品資訊於留言欄及對應於消費端之識別資訊於識別欄；</p><p>S3：電子裝置傳送二維條碼、交易商品資訊及識別資訊至支付平台，支付平台驗證二維條碼後，傳送支付命令至付款金融機構；</p><p><p>S4：付款金融機構依據支付命令完成交易後，付款金融機構傳送交易結果至支付平台；以及</p><p>S5：支付平台傳送交易結果至收款金融機構及銷售端。</p><p>如步驟S1所示，一消費端1透過一電子裝置擷取一二維條碼後，於該電子裝置顯示一留言欄13及一識別欄14(如第3圖所示)，其中該電子裝置係為一桌上型電腦、一筆記型電腦、一智慧型手機、一平板電腦或其他具有輸入、接收傳輸功能的裝置。</p><p>接續，如步驟S2所示，該電子裝置輸入一交易商品資訊11於該留言欄13及對應於該消費端1之一識別資訊12於該識別欄14，其中該交易商品資訊11進一步包含一交易商品名稱、一交易商品運送資訊、一交易商品種類或一交易需求。而該識別資訊12進一步包含一姓名資訊、一聯絡資訊、一帳戶資訊或一交易金額資訊。其中該留言欄13中需填入之該交易商品資訊11係由一銷售端5依據一交易來進行設定。且該留言欄13進一步包含一交易注意資訊，該交易注意資訊係由該銷售端5自行輸入(例如該銷售端5可於該留言欄13先行留言欲與該消費端1溝通之該交易注意資訊)。</p><p>接續，如步驟S3所示，該電子裝置傳送該二維條碼、該交易商品資訊及該識別資訊至一支付平台2，並由該支付平台2先行驗證該二維條碼。當驗證結果無誤，則該支付平台2接續傳送一支付命令21至一付款金融機構3。</p><p>又，如步驟S4所示，該付款金融機構3依據該支付命令21完成交易後，該付款金融機構3傳送一交易結果31至該支付平台2。</p><p>最後，如步驟S5所示，該支付平台2傳送該交易結果31至一收款金融機構4及該銷售端5。其中，該支付平台2進一步傳送該交易商品資訊11及該識別資訊12至該銷售端5。其中該收款金融機構4與該付款金融機構3設置於同一家金融機構或不同家金融機構。</p><p>又，請參閱第2圖，其係為本創作之一實施例之結構示意圖。如圖所示，本創作之一種具有留言功能之行動支付系統，其包含：該消費端1，係透過該電子裝置擷取該二維條碼後，於該電子裝置顯示該留言欄13及該識別欄14，該電子裝置輸入該交易商品資訊11於該留言欄13及對應於該消費端1之該識別資訊12於該識別欄14；該支付平台2，係接收該電子裝置傳送之該二維條碼、該交易商品資訊及該識別資訊後，驗證該二維條碼並產生該支付命令21；該付款金融機構3，係接收該支付平台2傳送之該支付命令21，並依據該支付命令21完成交易後，該付款金融機構3傳送該交易結果31至該支付平台2；該收款金融機構4，係接收該支付平台2傳送之該交易結果31；以及該銷售端5，係接收該支付平台2傳送之該交易結果41。且該共用平台3進一步傳送該交易商品資訊11及該識別資訊12至該銷售端6。</p><p>其中，該電子裝置係為該桌上型電腦、該筆記型電腦、該智慧型手機、該平板電腦或其他具有輸入、接收傳輸功能的裝置。而該交易商品資訊11進一步包含該交易商品名稱、該交易商品運送資訊、該交易商品種類或該交易需求。又，該識別資訊12進一步包含該姓名資訊、該聯絡資訊、該帳戶資訊或該交易金額資訊。</p><p>以下，為本創作之一實施例之實際應用說明：</p><p>消費端1透過電子裝置擷取二維條碼後，於電子裝置上顯示留言欄13及識別欄14(如第3圖所示)。且當消費端1透過電子裝置輸入交易商品資訊11於留言欄13及對應於消費端1之識別資訊12於識別欄14。</p><p>並經由電子裝置傳送二維條碼、交易商品資訊11及識別資訊12至支付平台2，由支付平台2驗證二維條碼正確無誤後，產生並傳送支付命令21至付款金融機構3，付款金融機構3依據支付命令21完成交易後，該付款金融機構3傳送交易結果31至支付平台2。最後，支付平台2傳送交易結果31至收款金融機構4及銷售端5，且支付平台2進一步傳送交易商品資訊11及識別資訊12至銷售端5。其中收款金融機構4與付款金融機構3設置於同一家金融機構或不同家金融機構。</p><p>故本創作實為一具有新穎性、進步性及可供產業上利用者，應符合我國專利法專利申請要件無疑，爰依法提出新型專利申請，祈 鈞局早日賜准專利，至感為禱。</p><p>惟以上所述者，僅為本創作之較佳實施例而已，並非用來限定本創作實施之範圍，舉凡依本新型申請專利範圍所述之形狀、構造、特徵及精神所為之均等變化與修飾，均應包括於本創作之申請專利範圍內。</p></mode-for-invention><description-of-drawings><description-of-element><p>1‧‧‧消費端</p><p>
11‧‧‧交易商品資訊</p><p>
12‧‧‧識別資訊</p><p>
13‧‧‧留言欄</p><p>
14‧‧‧識別欄</p><p>
2‧‧‧支付平台</p><p>
21‧‧‧支付命令</p><p>
3‧‧‧付款金融機構</p><p>
31‧‧‧交易結果</p><p>
4‧‧‧收款金融機構</p><p>
5‧‧‧銷售端</p><p>
S1-S5‧‧‧步驟</p></description-of-element><p>第1圖：其係為本創作之一實施例之步驟流程圖； 第2圖：其係為本創作之一實施例之結構示意圖；以及 第3圖：其係為本創作之一實施例之留言欄及識別欄之示意圖。</p></description-of-drawings><title lang="zh">Mobile payment system with message function</title><technical-field><p>This creation is about a mobile payment system, especially a mobile payment system with a message function. </p></technical-field><background-art><p>With the advancement of science and technology in the times, people’s trading behavior has evolved from a bartering mode to a cash transaction, in response to the advent of the digital age, payment methods. It is also gradually moving towards non-cash transactions. In recent years, there has been a trend of reducing cash use around the world, vying to promote electronic payment schemes such as mobile payment, credit cards, and financial cards, in an attempt to achieve paper-making. The mobile payment application of technology evolution is violently affecting people's lives, and various business activities cannot be left out. </p><p>Action payments will encourage merchants to reduce the risk and cost of storing cash. Consumers can also enjoy the convenience and benefits of mobile finance without the convenience of carrying cash. The new business model not only accelerates transaction transactions. The rate and the economy are also convenient for the government to grasp the ins and outs of taxation and reduce the scale of the underground economy. </p><p>According to the statistics of the Industrial Intelligence Institute (MIC), the Nordic countries have the lowest dependence on cash and have moved towards a “cash-free society”, while the UK and China are also close. Half of the population is paid for by action; however, most countries, such as the US dollar zone, the Eurozone, and even China, are still using a low proportion of mobile payments, indicating that there is still much room for growth in the mobile payment market! </p><p>And with the popularity of smart phones, China’s “action payment” infrastructure has gradually taken shape. According to the National Development Committee’s “Review of Digital Opportunities for Mobile Phones in 105” report, 94.6% of the online population Holding smart phones, and the ratio of mobile Internet access in the past 105 years (83.1%) surpassed computers (80.4%) for the first time. The report also pointed out that on average, 64 people per 100 people scanned QR Code through mobile phones and 46 people went online through mobile phones. And 35 people using mobile phones to complete online payments. </p><p>In addition, with reference to the “Action Payment Consumer Survey” report released by the Information Industry Institute of Industry and Information Technology (MIC) in February 2017, 80.2% of domestic consumers are willing to start in the future or Continue to use mobile payments, which are already mobile payment users, and 96.1% are willing to continue to use; compared with cash or physical cards, the proportion of users willing to pay by action has also grown from 59.4% in 2015 to 2016. 66.1%; non-user ratio also climbed from 19.2% in 2015 to 30.0% in 2016. </p><p> shows that the overall market's preference for mobile payments has increased significantly, and further analysis of mobile payment user behavior, user-selected mobile payment solutions are most popular with QR Code (67.8%), followed by NFC (42.3%). </p><p>Overall, QR Code payment has become the main application mode of O2O in the mobile payment era. The simple, fast and low-cost features have made the QR Code application widely and diverse. The advantage is that it is not limited to mobile phone brands. , models, as long as the phone can read QR Code can be applied, the threshold is the lowest. </p><p>and the acquirer in the QR Code payment no longer needs to deploy a physical credit card machine, so that various merchants can use the QR Code to complete the collection, which is low in cost. Therefore, it can be expected that the QR Code payment application has great potential for development in the domestic mobile payment market. </p><p>However, while using QR Code for payment, the consumer cannot interact with the sales terminal in time, so that after the payment is completed by the sales terminal, the consumer must provide the relevant identification information and transaction requirements. The processing flow, which in turn reduces the overall transaction processing efficiency. </p><p> Therefore, after the completion of the QR Code payment, it is necessary to further provide relevant identification information and the processing flow of the transaction requirements, which is a problem to be overcome by technicians in related fields. </p></background-art><disclosure><p>The main purpose of this creation is to provide a mobile payment system with a message function, so that the consumer can use the message bar and the identification bar while paying for the action. The setting interacts with the sales side to achieve the function of completing payment, consumer identification and transaction demand description once. </p><p>In order to achieve the above purpose, the present invention also discloses a mobile payment system with a message function, comprising: a consumer terminal, after capturing a two-dimensional barcode through an electronic device, the electronic The device displays a message bar and an identification bar, and the electronic device inputs a transaction product information to the message bar and an identification information corresponding to the consumer end to the identification field; a payment platform receives the electronic device to transmit the two-dimensional After the barcode, the transaction commodity information and the identification information, verifying the two-dimensional barcode and generating a payment command; a payment financial institution receiving the payment command transmitted by the payment platform, and completing the transaction according to the payment command, the payment The financial institution transmits a transaction result to the payment platform; a receiving financial institution receives the transaction result transmitted by the payment platform; and a sales terminal receives the transaction result transmitted by the payment platform, the transaction commodity information, and the Identify information. </p><p>The present invention provides an embodiment in which the action payment system has a message function, wherein the transaction product information further includes a transaction product name, a transaction product delivery information, a transaction product category or a transaction. demand. </p><p> The present invention provides an embodiment in which the mobile payment system has a message function, wherein the identification information further includes a name information, a contact information, an account information or a transaction amount information. </p><p>This creation provides an embodiment in which a mobile payment system having a message function is further included, wherein the message field further includes a transaction note information. </p></disclosure><mode-for-invention><p>To enable your review board to have a better understanding and understanding of the characteristics of the creation and the effectiveness of the creation, please refer to the examples and cooperation instructions. As for the following:</p><p>In view of the fact that the mobile terminal is unable to interact with the sales terminal in time, the sales terminal must provide the consumer with relevant identification information and transaction processing requirements after the payment is completed. , thereby reducing the overall transaction processing efficiency. Accordingly, the present author proposes a mobile payment system with a message function to solve the problems caused by the prior art. </p><p>The following will further explain the features and structure of a mobile payment system with a message function:</p><p>Please refer to Figure 1, which is A flow chart of the steps of an embodiment of the creation. As shown in the figure, a method for payment payment with a message function includes the following steps:</p><p>S1: After the consumer captures the two-dimensional barcode through the electronic device, the message bar is displayed on the electronic device and Identification column;</p><p>S2: the electronic device inputs the transaction commodity information in the message column and the identification information corresponding to the consumer end in the identification column;</p><p>S3: the electronic device transmits the 2D barcode, the transaction Product information and identification information to the payment platform, after the payment platform verifies the 2D barcode, the payment payment command is sent to the payment financial institution;</p><p><p>S4: After the payment financial institution completes the transaction according to the payment order, the payment financial institution Transmitting transaction results to the payment platform; and</p><p>S5: The payment platform transmits the transaction results to the receiving financial institution and the sales terminal. </p><p> As shown in step S1, after the consumer 1 captures a two-dimensional barcode through an electronic device, a message bar 13 and an identification column 14 are displayed on the electronic device (as shown in FIG. 3). The electronic device is a desktop computer, a notebook computer, a smart phone, a tablet computer or other device having input, receiving and transmitting functions. </p><p>Continuously, as shown in step S2, the electronic device inputs a transaction product information 11 in the message field 13 and an identification information 12 corresponding to the consumer terminal 1 in the identification column 14, wherein the transaction The product information 11 further includes a transaction product name, a transaction product delivery information, a transaction product category, or a transaction demand. The identification information 12 further includes a name information, a contact information, an account information or a transaction amount information. The transaction product information 11 to be filled in the message column 13 is set by a sales terminal 5 according to a transaction. The message board 13 further includes a transaction note information, and the transaction note information is input by the sales terminal 5 (for example, the sales terminal 5 can leave a message in the message bar 13 to communicate with the consumer 1 ). </p><p>Continuously, as shown in step S3, the electronic device transmits the two-dimensional barcode, the transaction commodity information and the identification information to a payment platform 2, and the payment platform 2 first verifies the two-dimensional barcode . When the verification result is correct, the payment platform 2 successively transmits a payment command 21 to a payment financial institution 3. </p><p> Further, as shown in step S4, after the payment financial institution 3 completes the transaction according to the payment order 21, the payment financial institution 3 transmits a transaction result 31 to the payment platform 2. </p><p> Finally, as shown in step S5, the payment platform 2 transmits the transaction result 31 to a receiving financial institution 4 and the selling terminal 5. The payment platform 2 further transmits the transaction commodity information 11 and the identification information 12 to the sales terminal 5. The receiving financial institution 4 and the payment financial institution 3 are disposed in the same financial institution or different financial institutions. </p><p> Again, please refer to FIG. 2, which is a schematic structural view of an embodiment of the present invention. As shown in the figure, a mobile payment system with a message function includes: the consumer terminal 1 displays the message bar 13 and the identification on the electronic device after capturing the two-dimensional barcode through the electronic device. In the column 14, the electronic device inputs the transaction product information 11 in the message column 13 and the identification information 12 corresponding to the consumer terminal 1 in the identification column 14; the payment platform 2 receives the two-dimensional transmitted by the electronic device After the barcode, the transaction commodity information and the identification information, the two-dimensional barcode is verified and the payment command 21 is generated; the payment financial institution 3 receives the payment command 21 transmitted by the payment platform 2, and is completed according to the payment command 21. After the transaction, the payment financial institution 3 transmits the transaction result 31 to the payment platform 2; the receiving financial institution 4 receives the transaction result 31 transmitted by the payment platform 2; and the sales terminal 5 receives the payment platform 2 The result of the transaction transmitted 41. And the sharing platform 3 further transmits the transaction commodity information 11 and the identification information 12 to the sales terminal 6. </p><p> wherein the electronic device is the desktop computer, the notebook computer, the smart phone, the tablet computer or other device having input, receiving and transmitting functions. The transaction product information 11 further includes the transaction product name, the transaction product delivery information, the transaction product category, or the transaction demand. Moreover, the identification information 12 further includes the name information, the contact information, the account information, or the transaction amount information. </p><p>The following is a practical application description of an embodiment of the present invention:</p><p> After the consumer 1 captures the two-dimensional barcode through the electronic device, the message bar 13 is displayed on the electronic device. Identification column 14 (as shown in Figure 3). And when the consumer 1 inputs the transaction product information 11 through the electronic device to the message bar 13 and the identification information 12 corresponding to the consumer terminal 1 in the identification column 14. </p><p> and transmitting the two-dimensional barcode, the transaction commodity information 11 and the identification information 12 to the payment platform 2 via the electronic device, and after the payment platform 2 verifies that the two-dimensional barcode is correct, the payment command 21 is generated and transmitted to the payment finance The institution 3, after the payment financial institution 3 completes the transaction according to the payment order 21, the payment financial institution 3 transmits the transaction result 31 to the payment platform 2. Finally, the payment platform 2 transmits the transaction result 31 to the receiving financial institution 4 and the selling terminal 5, and the payment platform 2 further transmits the transaction commodity information 11 and the identification information 12 to the sales terminal 5. The receiving financial institution 4 and the payment financial institution 3 are set up in the same financial institution or different financial institutions. </p><p>The original creation is a novelty, progressive and available for industrial use. It should be in line with the requirements of patent applications in China's patent law, and the new patent application should be filed according to law. Patent, to the feeling of prayer. 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 shapes, structures, features and features described in the scope of the present patent application are as follows. Equivalence and modification of the spirit should be included in the scope of the patent application for this creation. </p></mode-for-invention><description-of-drawings><description-of-element><p>1‧‧‧Consumer</p><p>
11‧‧‧Transaction Information</p><p>
12‧‧‧ Identification Information</p><p>
13‧‧‧Message Bar</p><p>
14‧‧‧ Identification Bar</p><p>
2‧‧‧Payment Platform</p><p>
21‧‧‧Payment Order</p><p>
3‧‧‧Payment Financial Institutions</p><p>
31‧‧‧Transaction results</p><p>
4‧‧‧ Receiving financial institutions</p><p>
5‧‧‧Sales end</p><p>
S1-S5‧‧‧Steps</p></description-of-element><p>Fig. 1 is a flow chart showing the steps of an embodiment of the present invention; Figure 2: A schematic diagram of the structure of an embodiment; and FIG. 3 is a schematic diagram of a message field and an identification column of an embodiment of the present invention. </p></description-of-drawings>