TWM593598U - payment system - Google Patents

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Publication number
TWM593598U
TWM593598U TW108215725U TW108215725U TWM593598U TW M593598 U TWM593598 U TW M593598U TW 108215725 U TW108215725 U TW 108215725U TW 108215725 U TW108215725 U TW 108215725U TW M593598 U TWM593598 U TW M593598U
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payment
account
keywords
keyword
barcode
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TW108215725U
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Chinese (zh)
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劉家羽
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兆豐國際商業銀行股份有限公司
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Abstract

A payment system is provided. The payment system identifies one of a plurality of account keywords and one of a plurality of operation keywords according to the audio signal, generates a payment barcode according to one of the account keywords and one of the operation keywords, and displays the payment barcode to perform a transaction operation.

Description

支付系統payment system

本新型創作是有關於一種支付系統，尤其是關於一種藉由語音輸入方式產生條碼的支付系統。This new creation is about a payment system, especially a payment system that generates barcodes by voice input.

隨著行動裝置的進步，使用者能夠在不需使用現金、支票或信用卡的情況下，使用行動電子裝置執行各項的交易操作。以現行的支付技術來說，大多是由使用者確定出交易方式後，在行動裝置上以手動方式操作一應用程式以出示對應於交易方式的綁定帳號的一支付條碼。支付條碼可以是一維條碼或二維條碼。接下來，支付條碼被掃描以執行交易操作。如何進一步地提高支付條碼的產生便利性，是支付技術的研發重點之一。With the advancement of mobile devices, users can use mobile electronic devices to perform various transaction operations without using cash, checks or credit cards. In the current payment technology, after the user determines the transaction method, the user manually operates an application on the mobile device to present a payment barcode corresponding to the transaction-bound account. The payment barcode can be a one-dimensional barcode or a two-dimensional barcode. Next, the payment barcode is scanned to perform the transaction operation. How to further improve the convenience of generating payment barcodes is one of the research and development priorities of payment technology.

本新型創作提供一種能夠提高支付條碼的產生便利性的支付系統以及支付方法。The novel creation provides a payment system and payment method that can improve the convenience of generating payment barcodes.

本新型創作的支付系統包括設定介面、關鍵字識別模組以及條碼產生模組。設定介面設置於行動裝置。設定介面用以設定對應於多個支付帳號的多個帳號關鍵字。關鍵字識別模組用以接收所述多個帳號關鍵字，並依據音頻信號識別出所述多個帳號關鍵字的其中之一以及多個操作關鍵字的其中之一。條碼產生模組耦接於關鍵字識別模組。條碼產生模組用以依據所述多個帳號關鍵字的其中之一以及所述多個操作關鍵字的其中之一產生支付條碼。行動裝置顯示支付條碼執行交易操作。The payment system created by the novel includes a setting interface, a keyword recognition module and a barcode generation module. The setting interface is set on the mobile device. The setting interface is used to set multiple account keywords corresponding to multiple payment accounts. The keyword recognition module is used to receive the plurality of account keywords and identify one of the plurality of account keywords and one of the plurality of operation keywords according to the audio signal. The barcode generation module is coupled to the keyword recognition module. The barcode generation module is used to generate a payment barcode according to one of the plurality of account keywords and one of the plurality of operation keywords. The mobile device displays the payment barcode to perform the transaction operation.

在一些實施例中，條碼產生模組還用以依據所述多個帳號關鍵字的第一帳號關鍵字以及所述多個操作關鍵字的第一操作關鍵字產生對應於第一帳號關鍵字以及第一操作關鍵字的支付條碼。In some embodiments, the barcode generation module is further used to generate the first account keyword and the first operation keyword of the plurality of operation keywords corresponding to the first account keyword and The payment barcode of the first operation keyword.

在一些實施例中，對應於第一帳號關鍵字以及第一操作關鍵字的支付條碼被顯示時，支付條碼被掃描以對第一支付帳號執行對應於第一操作關鍵字的交易操作。In some embodiments, when the payment barcode corresponding to the first account keyword and the first operation keyword is displayed, the payment barcode is scanned to perform a transaction operation corresponding to the first operation keyword on the first payment account.

在一些實施例中，交易操作是對所述多個支付帳號的其中之一執行收款操作以及付款操作的其中之一。In some embodiments, the transaction operation is one of performing a payment operation and a payment operation on one of the plurality of payment account numbers.

在一些實施例中，操作關鍵字的其中之一對應於收款操作以及付款操作的其中之一。In some embodiments, one of the operation keywords corresponds to one of the collection operation and the payment operation.

在一些實施例中，關鍵字識別模組以及條碼產生模組的至少其中之一被設置在行動裝置。In some embodiments, at least one of the keyword recognition module and the barcode generation module is set on the mobile device.

基於上述，本新型創作的支付系統以及支付方法能夠依據音頻信號識別出帳號關鍵字以及操作關鍵字，並且依據帳號關鍵字以及操作關鍵字產生支付條碼。如此一來，本新型創作的支付系統以及支付方法能夠提高支付條碼的產生便利性。Based on the above, the payment system and payment method created by the present invention can identify account keywords and operation keywords based on audio signals, and generate payment barcodes based on account keywords and operation keywords. In this way, the payment system and payment method created by the novel can improve the convenience of generating payment barcodes.

為讓本新型創作的上述特徵和優點能更明顯易懂，下文特舉實施例，並配合所附圖式作詳細說明如下。In order to make the above-mentioned features and advantages of the creation of the new model more obvious and understandable, the embodiments are specifically described below and described in detail in conjunction with the accompanying drawings.

請參考圖1，圖1是依據本新型創作一實施例所繪示的支付系統的系統示意圖。在本實施例中，支付系統10包括設定介面110、關鍵字識別模組120以及條碼產生模組130。設定介面110設置於行動裝置ED。行動裝置ED可以是智慧型手機、平板電腦、筆記型電腦等可攜式裝置。設定介面110用以設定對應於支付帳號A1、A2的帳號關鍵字AKW1、AKW2。支付帳號A1、A2分別例如是銀行帳號、郵局帳號、農會帳號以及信用卡卡號等金融帳號的其中之一。設定介面110是安裝於行動裝置ED的應用程式（Application，APP）。舉例來說，設定介面110被操作以設定對應於支付帳號A1的帳號關鍵字AKW1以及對應於支付帳號A2的帳號關鍵字AKW2。Please refer to FIG. 1, which is a system schematic diagram of a payment system according to an embodiment of the present invention. In this embodiment, the payment system 10 includes a setting interface 110, a keyword recognition module 120, and a barcode generation module 130. The setting interface 110 is provided on the mobile device ED. The mobile device ED may be a portable device such as a smart phone, tablet computer, notebook computer, or the like. The setting interface 110 is used to set account key words AKW1 and AKW2 corresponding to the payment account numbers A1 and A2. The payment account numbers A1 and A2 are, for example, one of a bank account number, a post office account number, a farmer's account number, a credit card number, and other financial account numbers. The setting interface 110 is an application (Application, APP) installed on the mobile device ED. For example, the setting interface 110 is operated to set the account key AKW1 corresponding to the payment account A1 and the account key AKW2 corresponding to the payment account A2.

在一些實施例中，設定介面110接收來自於外部伺服器所提供的帳號關鍵字AKW1、AKW2。設定介面110設定帳號關鍵字AKW1以對應支付帳號A1。設定介面110設定帳號關鍵字AKW2以對應支付帳號A2。In some embodiments, the setting interface 110 receives account keywords AKW1, AKW2 provided from an external server. The setting interface 110 sets the account key AKW1 to correspond to the payment account A1. The setting interface 110 sets the account key AKW2 to correspond to the payment account A2.

在本實施例中，關鍵字識別模組120接收帳號關鍵字AKW1、AKW2，並依據音頻信號AS識別出帳號關鍵字AKW1、AKW2的其中之一以及操作關鍵字OKW1、OKW2的其中之一。操作關鍵字OKW1、OKW2分別對應於不同的多個操作。在本實施例中，操作關鍵字OKW1、OKW2可以是被預設在關鍵字識別模組120中。在一些實施例中，操作關鍵字OKW1、OKW2可藉由設定介面110被設定，並且被提供到關鍵字識別模組120。關鍵字識別模組120會藉由使用者所提供的音頻信號AS獲得語音內容，並且將語音內容轉換為文字內容。接下來，關鍵字識別模組120會識別上述的文字內容是否具有帳號關鍵字AKW1、AKW2以及操作關鍵字OKW1、OKW2。舉例來說，當關鍵字識別模組120識別出帳號關鍵字AKW1、AKW2的其中之一（如帳號關鍵字AKW1）以及操作關鍵字OKW1、OKW2的其中之一（如操作關鍵字OKW1）時，將被識別出的帳號關鍵字AKW1以及操作關鍵字OKW1提供到條碼產生模組130。為了便於說明，本實施例的帳號關鍵字的數量以及操作關鍵字的數量分別以兩個為例。本新型創作的帳號關鍵字的數量可以是多個，操作關鍵字的數量也可以是多個。本新型創作的帳號關鍵字的數量以及操作關鍵字的數量並不以本實施例為限。In this embodiment, the keyword recognition module 120 receives the account keywords AKW1, AKW2, and recognizes one of the account keywords AKW1, AKW2 and one of the operation keywords OKW1, OKW2 according to the audio signal AS. The operation keywords OKW1 and OKW2 respectively correspond to a plurality of different operations. In this embodiment, the operation keywords OKW1 and OKW2 may be preset in the keyword recognition module 120. In some embodiments, the operation keywords OKW1 and OKW2 can be set through the setting interface 110 and provided to the keyword recognition module 120. The keyword recognition module 120 obtains the voice content through the audio signal AS provided by the user, and converts the voice content into text content. Next, the keyword recognition module 120 will recognize whether the above text content has account keywords AKW1, AKW2 and operation keywords OKW1, OKW2. For example, when the keyword recognition module 120 recognizes one of the account keywords AKW1, AKW2 (such as the account keyword AKW1) and one of the operation keywords OKW1, OKW2 (such as the operation keyword OKW1), The recognized account keyword AKW1 and the operation keyword OKW1 are provided to the barcode generation module 130. For ease of description, the number of account keywords and the number of operation keywords in this embodiment are two examples. The number of account keywords created by the new model can be multiple, and the number of operation keywords can also be multiple. The number of account keywords and operation keywords created by the new model are not limited to this embodiment.

在本實施例中，條碼產生模組130耦接於關鍵字識別模組120。條碼產生模組130依據帳號關鍵字AKW1、AKW2的其中之一以及操作關鍵字OKW1、OKW2的其中之一產生支付條碼BC。在本實施例中，行動裝置ED顯示支付條碼BC執行交易操作。支付條碼BC可以是一維條碼或是多維條碼（如，二維條碼）。在本實施例中，行動裝置ED包括顯示模組140。舉例來說，條碼產生模組130可依據帳號關鍵字AKW1以及操作關鍵字OKW1提供對應於帳號關鍵字AKW1以及操作關鍵字OKW1的支付條碼BC。另舉例來說，條碼產生模組130可依據帳號關鍵字AKW2以及操作關鍵字OKW2提供對應於帳號關鍵字AKW2以及操作關鍵字OKW2的支付條碼BC。In this embodiment, the barcode generation module 130 is coupled to the keyword recognition module 120. The barcode generation module 130 generates a payment barcode BC according to one of the account keywords AKW1 and AKW2 and one of the operation keywords OKW1 and OKW2. In this embodiment, the mobile device ED displays the payment barcode BC to perform the transaction operation. The payment barcode BC may be a one-dimensional barcode or a multi-dimensional barcode (eg, a two-dimensional barcode). In this embodiment, the mobile device ED includes a display module 140. For example, the barcode generating module 130 may provide a payment barcode BC corresponding to the account keyword AKW1 and the operation keyword OKW1 according to the account keyword AKW1 and the operation keyword OKW1. For another example, the barcode generation module 130 may provide a payment barcode BC corresponding to the account keyword AKW2 and the operation keyword OKW2 according to the account keyword AKW2 and the operation keyword OKW2.

行動裝置ED接收條碼產生模組130所提供的支付條碼BC，並且藉由顯示模組140顯示支付條碼BC執行交易操作。依據使用上的需求，支付條碼BC可被設計為適用於習知的行動支付（mobile payment）、第三方支付（third-party payment）或電子支付。舉例來說，當對應於帳號關鍵字AKW1以及操作關鍵字OKW1的支付條碼BC被顯示時，支付條碼BC被掃描以對支付帳號A1執行對應於操作關鍵字OKW1的交易操作。The mobile device ED receives the payment barcode BC provided by the barcode generation module 130, and displays the payment barcode BC through the display module 140 to perform a transaction operation. According to the usage requirements, the payment barcode BC can be designed to be suitable for conventional mobile payment (mobile payment), third-party payment (third-party payment) or electronic payment. For example, when the payment barcode BC corresponding to the account key AKW1 and the operation keyword OKW1 is displayed, the payment barcode BC is scanned to perform a transaction operation corresponding to the operation keyword OKW1 on the payment account A1.

在一些實施例中，關鍵字識別模組120以及條碼產生模組130被設置於行動裝置ED的外部。關鍵字識別模組120以及條碼產生模組130可藉由伺服器來實現。也就是說，關鍵字識別模組120可藉由無線通訊方式或有線通訊方式接收來自於行動裝置ED所接收到的音頻信號AS或來自於其他裝置的音頻信號AS，藉以識別出帳號關鍵字AKW1、AKW2的其中之一以及操作關鍵字OKW1、OKW2的其中之一。條碼產生模組130依據帳號關鍵字AKW1、AKW2的其中之一以及操作關鍵字OKW1、OKW2的其中之一產生支付條碼BC。條碼產生模組130可藉由無線通訊方式或有線通訊方式將支付條碼BC提供到行動裝置ED。在一些實施例中，關鍵字識別模組120以及條碼產生模組130被設置於行動裝置ED的內部。也就是說，識別出帳號關鍵字AKW1、AKW2的其中之一以及操作關鍵字OKW1、OKW2的其中之一以及依據帳號關鍵字AKW1、AKW2的其中之一以及操作關鍵字OKW1、OKW2的其中之一產生支付條碼BC都是在行動裝置ED中進行。在一些實施例中，關鍵字識別模組120以及條碼產生模組130的其中之一被設置在行動裝置ED。本新型創作的關鍵字識別模組120以及條碼產生模組130的設置並不以本實施例為限。In some embodiments, the keyword recognition module 120 and the barcode generation module 130 are disposed outside the mobile device ED. The keyword recognition module 120 and the barcode generation module 130 can be implemented by a server. In other words, the keyword recognition module 120 can receive the audio signal AS received from the mobile device ED or the audio signal AS from other devices through wireless communication or wired communication to identify the account keyword AKW1 , One of AKW2 and one of operation keywords OKW1, OKW2. The barcode generation module 130 generates a payment barcode BC according to one of the account keywords AKW1 and AKW2 and one of the operation keywords OKW1 and OKW2. The barcode generation module 130 can provide the payment barcode BC to the mobile device ED by wireless communication or wired communication. In some embodiments, the keyword recognition module 120 and the barcode generation module 130 are disposed inside the mobile device ED. That is, one of the account keywords AKW1, AKW2 and one of the operation keywords OKW1, OKW2 and one of the account keywords AKW1, AKW2 and one of the operation keywords OKW1, OKW2 are identified The payment bar code BC is generated in the mobile device ED. In some embodiments, one of the keyword recognition module 120 and the barcode generation module 130 is installed in the mobile device ED. The setting of the keyword identification module 120 and the barcode generation module 130 created by the novel is not limited to this embodiment.

在此值得一提的是，支付系統10能夠依據使用者所提供的音頻信號AS識別出帳號關鍵字AKW1、AKW2以及操作關鍵字OKW1、OKW2，並且依據帳號關鍵字AKW1、AKW2以及操作關鍵字OKW1、OKW2產生對應地支付條碼BC。如此一來，支付系統10能夠提高支付條碼BC的產生便利性。It is worth mentioning here that the payment system 10 can recognize the account keywords AKW1, AKW2 and operation keywords OKW1, OKW2 according to the audio signal AS provided by the user, and based on the account keywords AKW1, AKW2 and operation keywords OKW1 , OKW2 generates the corresponding payment barcode BC. In this way, the payment system 10 can improve the convenience of generating the payment barcode BC.

在此舉例來說明，使用者可以藉由設定介面110將「購物帳號」文字設定為帳號關鍵字AKW1，並將帳號關鍵字AKW1對應到支付帳號A1。使用者可以藉由設定介面110將「房租帳號」文字設定為帳號關鍵字AKW2，並將帳號關鍵字AKW2對應到支付帳號A2。支付帳號A1可以是使用者的金融帳號。支付帳號A2可以是房東的金融帳號。使用者可以藉由設定介面110將「付款」文字設定為操作關鍵字OKW1，並藉由設定介面110將「收款」文字設定為操作關鍵字OKW2。也就是說，在本例中，操作關鍵字OKW1、OKW2分別對應於「收款」操作以及「付款」操作的其中之一。關鍵字識別模組120會獲得帳號關鍵字AKW1、AKW2以及操作關鍵字OKW1、OKW2。當使用者提供「我要使用購物帳號付款」或「用購物帳號付款」的音頻信號AS時，關鍵字識別模組120會識別出帳號關鍵字是「購物帳號」（即，帳號關鍵字AKW1）以及操作關鍵字是「付款」（即，操作關鍵字OKW1）。因此，關鍵字識別模組120會將帳號關鍵字AKW1以及操作關鍵字OKW1提供到條碼產生模組130。條碼產生模組130會依據帳號關鍵字AKW1以及操作關鍵字OKW1提供對應的支付條碼BC。接下來，行動裝置ED顯示對應於帳號關鍵字AKW1以及操作關鍵字OKW1的支付條碼BC。這支付條碼BC能夠被掃描以對支付帳號A1執行對應於操作關鍵字OKW1的交易操作。也就是對支付帳號A1執行「付款」操作。因此，對支付帳號A1執行「付款」操作後，支付帳號A1會被扣款。Here, for example, the user can set the text "Shopping Account" as the account keyword AKW1 through the setting interface 110, and map the account keyword AKW1 to the payment account A1. The user can set the text "Rent Account" as the account key AKW2 through the setting interface 110, and map the account key AKW2 to the payment account A2. The payment account A1 may be the user's financial account. The payment account A2 may be the landlord's financial account. The user can set the "payment" text as the operation keyword OKW1 through the setting interface 110, and set the "receipt" text as the operation keyword OKW2 through the setting interface 110. That is to say, in this example, the operation keywords OKW1 and OKW2 correspond to one of the "receipt" operation and the "payment" operation, respectively. The keyword recognition module 120 will obtain account keywords AKW1, AKW2 and operation keywords OKW1, OKW2. When the user provides the audio signal AS of "I want to pay with a shopping account" or "pay with a shopping account", the keyword recognition module 120 will recognize that the account keyword is "shopping account" (ie, account keyword AKW1) And the operation keyword is "payment" (that is, the operation keyword OKW1). Therefore, the keyword recognition module 120 provides the account keyword AKW1 and the operation keyword OKW1 to the barcode generation module 130. The barcode generation module 130 will provide the corresponding payment barcode BC according to the account keyword AKW1 and the operation keyword OKW1. Next, the mobile device ED displays the payment barcode BC corresponding to the account key AKW1 and the operation key OKW1. This payment barcode BC can be scanned to perform a transaction operation corresponding to the operation keyword OKW1 on the payment account A1. That is, the "payment" operation is performed on the payment account A1. Therefore, after performing the "payment" operation on the payment account A1, the payment account A1 will be charged.

另舉例來說明，當使用者付房屋租金給房東時，使用者可提供「我要使用房租帳號收款」或「用房租帳號收款」的音頻信號AS。關鍵字識別模組120會從音頻信號AS中識別出帳號關鍵字是「房租帳號」（即，帳號關鍵字AKW2）以及操作關鍵字是「收款」（即，操作關鍵字OKW2）。關鍵字識別模組120會將帳號關鍵字AKW2以及操作關鍵字OKW2提供到條碼產生模組130。條碼產生模組130會依據帳號關鍵字AKW2以及操作關鍵字OKW2提供對應的支付條碼BC。接下來，行動裝置ED顯示對應於帳號關鍵字AKW2以及操作關鍵字OKW2的支付條碼BC。這支付條碼BC能夠被掃描以對支付帳號A2執行對應於操作關鍵字OKW2的交易操作。也就是對支付帳號A2執行「收款」操作。因此，對支付帳號A2執行「收款」操作後，支付帳號A2可收到房屋租金。Another example is to illustrate that when the user pays the rent to the landlord, the user can provide the audio signal AS of "I want to use the rent account to collect payment" or "use the rent account to collect payment". The keyword recognition module 120 recognizes from the audio signal AS that the account keyword is "rent account" (ie, account keyword AKW2) and the operation keyword is "receipt" (ie, operation keyword OKW2). The keyword recognition module 120 provides the account keyword AKW2 and the operation keyword OKW2 to the barcode generation module 130. The barcode generation module 130 will provide the corresponding payment barcode BC according to the account keyword AKW2 and the operation keyword OKW2. Next, the mobile device ED displays the payment barcode BC corresponding to the account key AKW2 and the operation key OKW2. This payment barcode BC can be scanned to perform a transaction operation corresponding to the operation keyword OKW2 on the payment account A2. That is, perform the "collect" operation on the payment account A2. Therefore, after performing the "collect" operation on the payment account A2, the payment account A2 can receive the house rent.

再舉例來說明，關鍵字識別模組120沒有從音頻信號AS中識別出帳號關鍵字（如，帳號關鍵字AKW1或AKW2），條碼產生模組130則不會產生支付條碼BC。關鍵字識別模組120沒有從音頻信號AS識別出操作關鍵字（如，帳號關鍵字OKW1或OKW2），條碼產生模組130也不會產生支付條碼BC。當關鍵字識別模組120沒有從音頻信號AS識別出帳號關鍵字AKW1、AKW2的其中之一以及操作關鍵字OKW1、OKW2的其中之一時，條碼產生模組130不會產生支付條碼BC。As another example, the keyword recognition module 120 does not recognize the account key (for example, the account key AKW1 or AKW2) from the audio signal AS, and the barcode generation module 130 does not generate the payment barcode BC. The keyword recognition module 120 does not recognize the operation keyword (for example, the account keyword OKW1 or OKW2) from the audio signal AS, and the barcode generation module 130 does not generate the payment barcode BC. When the keyword recognition module 120 does not recognize one of the account keywords AKW1, AKW2 and one of the operation keywords OKW1, OKW2 from the audio signal AS, the barcode generation module 130 does not generate the payment barcode BC.

在一些實施例中，當關鍵字識別模組120從單一音頻信號AS中識別出多個帳號關鍵字AKW1、AKW2，條碼產生模組130不會產生支付條碼BC。當關鍵字識別模組120從單一音頻信號AS中識別出多個帳號關鍵字OKW1、OKW2，條碼產生模組130不會產生支付條碼BC。In some embodiments, when the keyword recognition module 120 recognizes multiple account keywords AKW1, AKW2 from a single audio signal AS, the barcode generation module 130 does not generate a payment barcode BC. When the keyword recognition module 120 recognizes multiple account keywords OKW1 and OKW2 from a single audio signal AS, the barcode generation module 130 does not generate a payment barcode BC.

在此值得一提的是，支付系統10能夠產生對應於帳號關鍵字AKW1、AKW2的其中之一以及操作關鍵字OKW1、OKW2的其中之一的支付條碼BC。因此，在不同的交易情境下，使用者能夠藉由支付系統10依據音頻信號AS產生對應於交易情境的支付條碼BC，並藉由行動裝置ED顯示支付條碼BC執行對應於交易情境的交易操作。如此一來，支付系統10能夠提高支付條碼BC的產生便利性。It is worth mentioning here that the payment system 10 can generate a payment barcode BC corresponding to one of the account keywords AKW1, AKW2 and one of the operation keywords OKW1, OKW2. Therefore, in different transaction scenarios, the user can generate the payment barcode BC corresponding to the transaction scenario according to the audio signal AS through the payment system 10, and perform the transaction operation corresponding to the transaction scenario by displaying the payment barcode BC on the mobile device ED. In this way, the payment system 10 can improve the convenience of generating the payment barcode BC.

請同時參考圖1以及圖2，圖2是依據本新型創作一實施例所繪示的支付方法的方法流程圖。在本實施例中，支付方法適用於圖1所示的支付系統10。支付方法適用於藉由行動裝置ED執行交易操作。支付方法包括步驟S110~S140。在步驟S110中，設定對應於支付帳號A1、A2的帳號關鍵字AKW1、AKW2。在步驟S120中，接收音頻信號AS，並依據音頻信號AS識別出帳號關鍵字AKW1、AKW2的其中之一以及操作關鍵字OKW1、OKW2的其中之一。在步驟S130中，依據所述多個帳號關鍵字的其中之一以及所述多個操作關鍵字的其中之一產生支付條碼。在步驟S140中，藉由行動裝置ED顯示支付條碼BC以執行交易操作。步驟S110~S140的實施細節能夠在圖1的實施例中獲致足夠的教示，因此述不在此重述。Please refer to FIG. 1 and FIG. 2 at the same time. FIG. 2 is a flowchart of a payment method according to an embodiment of the present invention. In this embodiment, the payment method is applicable to the payment system 10 shown in FIG. 1. The payment method is suitable for performing transaction operations by the mobile device ED. The payment method includes steps S110-S140. In step S110, account key words AKW1 and AKW2 corresponding to the payment account numbers A1 and A2 are set. In step S120, the audio signal AS is received, and one of the account keywords AKW1 and AKW2 and one of the operation keywords OKW1 and OKW2 are identified according to the audio signal AS. In step S130, a payment barcode is generated according to one of the plurality of account keywords and one of the plurality of operation keywords. In step S140, the mobile device ED displays the payment barcode BC to perform the transaction operation. The implementation details of steps S110 to S140 can be sufficiently taught in the embodiment of FIG. 1, so the description will not be repeated here.

綜上所述，本新型創作的支付系統以及支付方法能夠依據音頻信號識別出帳號關鍵字以及操作關鍵字，並且依據帳號關鍵字以及操作關鍵字產生支付條碼。如此一來，本新型創作的支付系統以及支付方法能夠提高支付條碼的產生便利性。In summary, the payment system and payment method created by the new model can recognize account keywords and operation keywords based on audio signals, and generate payment barcodes based on account keywords and operation keywords. In this way, the payment system and payment method created by the novel can improve the convenience of generating payment barcodes.

雖然本新型創作已以實施例揭露如上，然其並非用以限定本新型創作，任何所屬技術領域中具有通常知識者，在不脫離本新型創作的精神和範圍內，當可作些許的更動與潤飾，故本新型創作的保護範圍當視後附的申請專利範圍所界定者為準。Although the new creation has been disclosed as above with examples, it is not intended to limit the creation of the new creation. Anyone with ordinary knowledge in the technical field of the subject can make some changes and without departing from the spirit and scope of the creation of the new creation. Retouching, so the scope of protection of this new creation shall be subject to the scope defined in the appended patent application.

10:支付系統 110:設定介面 120:關鍵字識別模組 130:條碼產生模組 140:顯示模組 A1、A2:支付帳號 AKW1、AKW2:帳號關鍵字 AS:音頻信號 ED:行動裝置 BC:支付條碼 OKW1、OKW2:操作關鍵字 S110、S120、S130、S140:步驟 10: Payment system 110: Setting interface 120: Keyword recognition module 130: Barcode generation module 140: display module A1, A2: payment account AKW1, AKW2: account keywords AS: audio signal ED: mobile device BC: payment barcode OKW1, OKW2: operation keywords S110, S120, S130, S140: steps

圖1是依據本新型創作一實施例所繪示的支付系統的系統示意圖。 圖2是依據本新型創作一實施例所繪示的支付方法的方法流程圖。 FIG. 1 is a system schematic diagram of a payment system according to an embodiment of the novel creation. FIG. 2 is a flowchart of a payment method according to an embodiment of the present invention.

10:支付系統 10: Payment system

110:設定介面 110: Setting interface

120:關鍵字識別模組 120: Keyword recognition module

130:條碼產生模組 130: Barcode generation module

140:顯示模組 140: display module

A1、A2:支付帳號 A1, A2: payment account

AKW1、AKW2:帳號關鍵字 AKW1, AKW2: account keywords

AS:音頻信號 AS: audio signal

BC:支付條碼 BC: payment barcode

ED:行動裝置 ED: mobile device

OKW1、OKW2:操作關鍵字 OKW1, OKW2: operation keywords

Claims (6)

一種支付系統，包括： 一設定介面，設置於一行動裝置，用以設定對應於多個支付帳號的多個帳號關鍵字； 一關鍵字識別模組，用以接收該些帳號關鍵字，並依據一音頻信號識別出該些帳號關鍵字的其中之一以及多個操作關鍵字的其中之一；以及 一條碼產生模組，耦接於該關鍵字識別模組，用以依據該些帳號關鍵字的其中之一以及該些操作關鍵字的其中之一產生一支付條碼， 其中該行動裝置顯示該支付條碼執行一交易操作。 A payment system, including: A setting interface, set on a mobile device, for setting multiple account keywords corresponding to multiple payment accounts; A keyword recognition module for receiving the account keywords and identifying one of the account keywords and one of the operation keywords based on an audio signal; and A barcode generation module, coupled to the keyword recognition module, is used to generate a payment barcode based on one of the account keywords and one of the operation keywords, The mobile device displays that the payment barcode performs a transaction operation. 如申請專利範圍第1項所述的支付系統，其中該條碼產生模組還用以依據該些帳號關鍵字的一第一帳號關鍵字以及該些操作關鍵字的一第一操作關鍵字產生對應於該第一帳號關鍵字以及該第一操作關鍵字的該支付條碼。The payment system as described in item 1 of the patent application scope, wherein the barcode generation module is further used to generate correspondences based on a first account keyword of the account keywords and a first operation keyword of the operation keywords The payment barcode for the first account keyword and the first operation keyword. 如申請專利範圍第2項所述的支付系統，其中對應於該第一帳號關鍵字以及該第一操作關鍵字的該支付條碼被顯示時，該支付條碼被掃描以對該第一支付帳號執行對應於該第一操作關鍵字的該交易操作。The payment system as described in item 2 of the patent application scope, wherein when the payment barcode corresponding to the first account keyword and the first operation keyword is displayed, the payment barcode is scanned to execute on the first payment account The transaction operation corresponding to the first operation keyword. 如申請專利範圍第1項所述的支付系統，其中該交易操作是對該些支付帳號的其中之一執行收款操作以及付款操作的其中之一。The payment system as described in item 1 of the patent application scope, wherein the transaction operation is one of performing a collection operation and a payment operation on one of the payment account numbers. 如申請專利範圍第1項所述的支付系統，其中該些操作關鍵字的其中之一對應於收款操作以及付款操作的其中之一。The payment system as described in item 1 of the patent application scope, wherein one of the operation keywords corresponds to one of the collection operation and the payment operation. 如申請專利範圍第1項所述的支付系統，其中該關鍵字識別模組以及該條碼產生模組的至少其中之一被設置在該行動裝置。The payment system according to item 1 of the patent application scope, wherein at least one of the keyword recognition module and the barcode generation module is provided in the mobile device.
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TWI724877B (en) * 2020-04-24 2021-04-11 國立臺北商業大學 Two-dimensional bar code application system and method for financial industry

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI724877B (en) * 2020-04-24 2021-04-11 國立臺北商業大學 Two-dimensional bar code application system and method for financial industry

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