TWM594746U - Electronic payment system - Google Patents

Abstract

An electronic payment system includes a portable device, a payment server, and a payment receiving end electronic device. The portable device is configured to add a transaction data, and the transaction data includes a payment tool. The portable device includes a sensing unit configured to change the payment tool. The payment server is connected to the portable device. The payment server is configured to confirm the transaction data and generate a payment result. The payment receiving end electronic device is connected to the payment server. The payment receiving end electronic device is configured to receive the payment result.

Description

Electronic payment system

The present invention relates to an electronic payment analysis system, and in particular to an electronic payment analysis system that can change payment instruments in real time.

Due to the rapid development of e-commerce, the number of people using electronic payment as a payment method has gradually increased. Users can go out without carrying cash, and integrate payment cards such as credit cards and debit cards into mobile devices. In this way, the user only needs to carry the mobile device for consumption, which can not only reduce the loss of cards or cash, but also increase the convenience of consumption.

However, when a user operates a mobile device for electronic payment, since a variety of payment tools are provided, the user needs to tap the screen every time to select a payment tool, which causes inconvenience to the user.

One technical aspect of the new model is an electronic payment system.

According to an embodiment of the present invention, an electronic payment system includes a portable device, a payment server, and a payment receiving end electronic device. Portable device settings to add Transaction information, transaction information includes payment instruments. The portable device includes a sensing unit, which is arranged to change the payment instrument. The payment server is connected to a portable device. The payment server is set to confirm the transaction information and generate the payment result. The payment receiving electronic device is connected to the payment server. The payment receiving end electronic device is set to receive the payment result.

In some embodiments of the present invention, the portable device includes a login unit connected to the sensing unit. Login unit settings for login identity verification.

In some embodiments of the present invention, the portable device includes an input unit connected to the login unit. The input unit is set to generate the amount to be paid.

In some embodiments of the present invention, the portable device includes a processing unit, which connects the input unit and the sensing unit. The processing unit is set to execute the payment instrument.

In some embodiments of the present invention, the portable device includes a transaction data output unit connected to the processing unit. The transaction data output unit is set to output transaction data to the payment server.

In some embodiments of the present invention, the payment instrument includes a deposit account or a credit card.

In some embodiments of the present invention, the sensing unit includes a vibration sensor.

In some embodiments of the present invention, the sensing unit includes a pressure sensor.

In some embodiments of the present invention, the sensing unit includes an image sensor.

In some embodiments of the present invention, the portable device includes a storage unit configured to store transaction data.

In the above-mentioned embodiments of the present invention, since the portable device of the electronic payment system includes the sensing unit, and the sensing unit can be set to change the payment instrument, the electronic payment system can simplify the user's operation process to save time and improve convenience Sex.

10: Electronic payment system

100: portable device

110: login unit

120: input unit

130: induction unit

132: Vibration sensor

134: Press sensor

136: Image sensor

140: processing unit

150: Transaction data output unit

160: storage unit

170: display unit

200: payment server

300: Electronic device of payment receiving end

S410, S420, S430, S440, S450, S460, S470: steps

I: Internet

In order to make the above and other objects, features, advantages and embodiments of the present invention more obvious and understandable, the drawings are described as follows:

FIG. 1 is a schematic diagram of an electronic payment system according to an embodiment of the present invention.

FIG. 2 is a system block diagram of the portable device of FIG. 1.

FIG. 3 is a system block diagram of the sensing unit of the portable device of FIG. 2.

FIG. 4 shows an operation flowchart of an electronic payment system according to an embodiment of the invention.

In the following, a plurality of embodiments of the present invention will be disclosed in the form of diagrams. For the sake of clarity, many practical details will be described together in the following description. However, it should be understood that these practical details should not be used to limit this creation. That is to say, in some embodiments of the new model, these practical details are unnecessary. In addition, in order to simplify the drawings, some conventional structures and elements will be shown in a simple schematic manner in the drawings.

With regard to the "connection" used in the present invention, it can refer to two or more elements making direct physical or electrical contact with each other, or indirectly making physical or electrical contact with each other, or it can mean that two or more elements interact or operate with each other , Or connected through the network, it does not deviate from the spirit and scope of the new model. Furthermore, the components such as systems, devices, components, and servers used in the present invention may be operated in independent computer hosts or equipment, or In order to operate and integrate into one or more computer mainframes or equipment, it does not deviate from the spirit and scope of the present invention.

FIG. 1 is a schematic diagram of an electronic payment system 10 according to an embodiment of the present invention. FIG. 2 shows a system block diagram of the portable device 100 of FIG. 1. Please refer to FIGS. 1 and 2 together. The electronic payment system 10 includes a portable device 100, a payment server 200, and a payment receiving end electronic device 300. The portable device 100 is configured to add transaction data, and the foregoing transaction data may include payment instruments. The portable device 100 includes a sensing unit 130 configured to change the payment instrument. The payment server 200 is connected to the portable device 100 via Internet I communication. The payment server 200 is set to confirm transaction information and generate payment results. The payment receiving electronic device 300 is connected to the payment server 200 via Internet I communication. The payment receiving end electronic device 300 is set to receive the payment result.

In some embodiments, the portable device 100 may be a mobile device of a user (such as a buyer and a consumer), such as a smart phone, a tablet computer, etc., to output transaction data to the payment server 200. The payment receiving electronic device 300 may be a sensing device of another user (such as a seller) to receive the payment result transmitted by the payment server 200.

In some embodiments, the connection between the portable device 100 and the payment server 200 may be connected through a wireless network, for example, a radio frequency device including a wireless network function, a baseband device, an antenna, or other similar components may be used. Combination of the above elements. The connection between the payment server 200 and the payment receiving end electronic device 300 can also be connected through a wireless network, for example, a radio frequency device including a wireless network function, a baseband device, an antenna or other similar components or a combination of the above components can be used .

As shown in FIG. 2, the portable device 100 includes a login unit 110, an input unit 120, a sensing unit 130, a processing unit 140, a transaction data output unit 150, a storage unit 160 and a display unit 170.

The login unit 110 is configured to perform login identity verification to confirm the identity of users (ie, buyers and consumers). In detail, the login unit 110 may include a security control setting device, such as a graphic lock, a fingerprint reader, or a face recognizer, to perform a login authentication procedure.

The input unit 120 is electrically connected to the login unit 110, and the input unit 120 is configured to generate an amount to be paid. For example, after the user is authenticated by logging in, he can scan the multi-dimensional barcode provided by the store (for example, one-dimensional barcode, two-dimensional barcode, QR barcode or three-dimensional barcode, etc.), and input the amount to be paid through the input unit 120.

The sensing unit 130 is electrically connected to the login unit 110, and the sensing unit 130 is configured to change the payment instrument. Payment instruments can include deposit accounts, debit cards or credit cards, etc. In some embodiments, the input unit 120 is electrically connected to the sensing unit 130. The operations of the input unit 120 and the sensing unit 130 can be completed in the same step. That is to say, after the user passes the identity verification and scans the multi-dimensional barcode provided by the store, he can enter the amount to be paid and change the payment tool at the same time.

For clarity, please refer to Figures 1 to 3 together. FIG. 3 is a system block diagram of the sensing unit 130 of the portable device 100 of FIG. 2. The sensing unit 130 may include a vibration sensor 132, a pressure sensor 134 and an image sensor 136. In this embodiment, the user can activate the sensing unit 130 by triggering one of the vibration sensor 132, the pressure sensor 134, and the image sensor 136.

In some embodiments, the user can shake the portable device 100 to trigger the vibration sensor 132 and then activate the sensing unit 130 to achieve the effect of changing the payment instrument fruit. For example, it may be preset that the portable device 100 needs to be shaken twice to trigger the vibration sensor 132. If the user shakes the portable device 100 only once, the vibration sensor 132 will not be triggered.

In some embodiments, the user can press the portable device 100 to trigger the press sensor 134 to activate the sensing unit 130 to achieve the effect of changing the payment instrument. For example, it may be preset that keys on opposite sides of the portable device 100 need to be pressed to trigger the pressing sensor 134. If the user presses two buttons on the same side of the portable device, the press sensor 134 will not be triggered.

In some embodiments, the user can use a gesture to wave the portable device 100 to trigger the image sensor 136 and then activate the sensing unit 130 to achieve the effect of changing the payment instrument. For example, the portable image sensor 136 can only be triggered by shaking the portable device 100 at a specific frequency and posture. If the user does not shake the portable device 100 with the aforementioned specific frequency and posture, the image sensor 136 will not be triggered. With one of the vibration sensor 132, the pressure sensor 134, or the image sensor 136, the sensing unit 130 can be activated to change the payment instrument. In other words, by triggering one of the vibration sensor 132, the pressure sensor 134 or the image sensor 136, the original default payment instrument (such as a deposit account) can be changed to another payment instrument (such as a credit card) . In this way, payment tools can be changed quickly, simplifying the user's operation process, saving time and improving convenience.

As shown in FIGS. 1 and 2, the processing unit 140 is electrically connected to the input unit 120 and the sensing unit 130, and the processing unit 140 is configured to execute a payment instrument and an amount to be paid. In detail, the processing unit 140 executes the user (such as the buyer, consumer) to decide the changed payment instrument and the amount to be paid, so as to generate transaction data. In some embodiments, the processing unit 140 may be implemented as an integrated circuit such as a microcontroller, A microprocessor, a digital signal processor, an application specific integrated circuit (ASIC), a logic circuit or other similar components, or a combination of the above components.

The transaction data output unit 150 is electrically connected to the processing unit 140, and the transaction data output unit 150 is configured to transmit the transaction data to the payment server 200 via the Internet 1. The payment server 200 confirms this transaction information and generates a payment result. Subsequently, the payment server 200 transmits this transaction result to the payment receiving end electronic device 300 via the Internet 1. In some embodiments, the transaction results are related to the transaction data. For example, the content of the transaction data and the content of the transaction result may be the same, for example, both the transaction data and the transaction result include the same consumer merchant, purchase item, consumption amount, consumption time, etc.

The storage unit 160 is electrically connected to the processing unit 140. The storage unit 160 is configured to store transaction data. The storage unit 160 may be implemented as a memory, a hard disk, a flash drive, a memory card, or the like.

The display unit 170 is electrically connected to the transaction data output unit 150, and the display unit 170 is configured to display the transaction data for user review. The display unit 170 may be implemented as a display screen, such as a liquid crystal display, a light emitting diode display, or an electronic paper display, or the like.

FIG. 4 shows an operation flowchart of an electronic payment system according to an embodiment of the invention. Please refer to FIGS. 1 to 4 together. In step S410 and step S420, the portable device 100 is turned on, and then the login unit 110 is entered. In detail, users (such as buyers and consumers) can select a general login or a quick login mode in the login unit 110. For example, the user can choose to enter the set account and password for general login Mode, or you can choose the mode of quick login by means of graphic lock, fingerprint recognition or face recognition.

After step S420, proceed to steps S430 and S440, and the user can choose whether to change the payment instrument. For example, in step S430, the user can preset the payment instrument as a deposit account. At the moment of consumption, according to the size of the transaction amount, step S440 is performed to determine whether to change the payment instrument, and change the default payment instrument of the deposit account to the payment instrument of the credit card.

If the user wants to change the payment instrument, after step S440, proceed to step S450 to activate the sensing unit 130. As shown in FIG. 3, the user can use one of the vibration sensor 132, the pressure sensor 134 and the image sensor 136 to activate the sensing unit 130. For example, the user may preset one of the vibration sensor 132, the pressure sensor 134, and the image sensor 136 to activate the sensing unit 130 according to his own usage habits. In this way, payment instruments can be changed quickly, simplifying the user's operation process, and saving time and improving convenience. On the other hand, since the user needs to perform a specific operation to trigger the vibration sensor 132, the pressure sensor 134, or the image sensor 136, the user can prevent the user from accidentally touching the screen of the portable device 100 during operation. Improve transaction security.

After step S450, proceed to step S460 to change the payment instrument. For example, the user can trigger the vibration sensor 132 and activate the sensing unit 130 by shaking the phone twice. At this time, the payment tool can be changed from the payment tool of the deposit account preset by the user to the payment tool of the credit card.

After step S460, proceed to step S470 to make payment. The transaction data output unit 150 of the portable device 100 can transmit the transaction data to the payment server 200 via the Internet 1 for subsequent payment procedures.

Returning to step S440, if the user does not want to change the payment instrument, then after step S440, directly proceed to step S470 to pay. As described above, the transaction data output unit 150 transmits the transaction data to the payment server 200 via the Internet 1 for the subsequent payment process.

In summary, the present invention provides an electronic payment system, including a portable device, a payment server, and an electronic device at the payment receiving end. Since the sensing unit of the portable device can quickly change the payment instrument, the electronic payment system can simplify the user's operation process to save time and improve convenience.

Although this disclosure has been disclosed as above by way of implementation, it is not intended to limit this disclosure. Anyone who is familiar with this skill should be able to make various changes and retouching within the spirit and scope of this disclosure, so the protection of this disclosure The scope shall be determined by the scope of the attached patent application.

10: Electronic payment system

100: portable device

200: payment server

300: Electronic device of payment receiving end

I: Internet

Claims (10)

An electronic payment system, including: A portable device, set to add a transaction data, the transaction data includes a payment tool, wherein the portable device includes a sensing unit, set to change the payment tool; A payment server connected to the portable device, the payment server is configured to confirm the transaction data and generate a payment result; and A payment receiving end electronic device is connected to the payment server, and the payment receiving end electronic device is configured to receive the payment result. The electronic payment system according to claim 1, wherein the portable device includes a login unit connected to the sensing unit, and the login unit is configured to perform login identity verification. The electronic payment system according to claim 2, wherein the portable device includes an input unit connected to the login unit, and the input unit is configured to generate an amount to be paid. The electronic payment system according to claim 3, wherein the portable device includes a processing unit connected to the input unit and the sensing unit, and the processing unit is configured to execute the payment tool. The electronic payment system according to claim 4, wherein the portable device includes a transaction data output unit connected to the processing unit, and the transaction data output unit is configured to output the transaction data to the payment server. The electronic payment system according to claim 1, wherein the payment instrument includes a deposit account or a credit card. The electronic payment system according to claim 1, wherein the sensing unit includes a vibration sensor. The electronic payment system according to claim 1, wherein the sensing unit includes a pressure sensor. The electronic payment system according to claim 1, wherein the sensing unit includes an image sensor. The electronic payment system of claim 1, wherein the portable device includes a storage unit configured to store the transaction data.

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