TWM597465U - Proxy payment system - Google Patents

Abstract

A proxy payment system is provided. The proxy payment system includes a first user equipment (UE) and a second UE. The second UE is communicatively connected to the first UE. The first UE transmits a request message to the second UE. The second UE transmits a response message corresponding to the request message to the first UE, where in the response message includes a contactless payment token corresponding to the second UE. The first UE performs a transaction corresponding to the request message by transmitting the contactless payment token.

Description

Proxy payment system

This disclosure is about a system, and especially about an agency payment system.

Due to the increasing diversification of payment tools today, many online shopping platforms and offline physical channels have begun to support multiple payment tools, such as credit cards, bank transfers or mobile payments. However, the threshold conditions for the application conditions (for example, age restrictions or economic conditions) required by each payment instrument are different. For example, users under the age of 20 need legal agents to assist in co-processing to open an account with a bank. As another example, applicants who are credit cards must be at least 20 years old, and applicants who attach cards must be 15 years old. Users under the age of 20 must be signed and approved by a legal representative before applying for a credit card.

Today, most of the marketing activities of banks or online shopping platforms are aimed at two payment channels such as credit card or mobile payment. Most people choose to pay in cash for reasons such as not having a credit card or mobile payment, and cannot enjoy relevant marketing offers or credit card offers. On the other hand, when underage children have payment needs, their dependents can only meet the needs of the children by giving cash. In this way, it will be difficult for the dependents to track the flow of money.

The present disclosure provides a proxy payment system that can be used by a second user device to pay for the transaction behavior of the first user device in a remote manner.

An agent payment system disclosed in the present disclosure includes a first user equipment and a second user equipment. The second user equipment is communicatively connected to the first user equipment. The first user equipment sends a request message to the second user equipment. The second user equipment sends a response message corresponding to the request message to the first user equipment, where the response message includes the inductive payment code corresponding to the second user equipment. The first user equipment performs a transaction corresponding to the request message by transmitting the inductive payment code.

Based on the above, the second user equipment of the present disclosure can pay for the transaction behavior of the first user equipment in a remote manner. After the second user equipment agrees to pay for the transaction being performed by the first user equipment, the second user equipment may transmit a payment tool to the first user equipment for use. The payment tool can pay for the transaction through methods such as credit card payment, mobile payment, scanning payment, or bank transfer payment.

FIG. 1 is a schematic diagram of an agent payment system 10 according to an embodiment of the present disclosure. The proxy payment system 10 may include the first user equipment 100 and the second user equipment 200. In this embodiment, the second user equipment 200 may be communicatively connected to the first user equipment 100 and send a request message to the first user equipment 100 to request that the first user equipment 100 is the second user equipment 200 (or is about to proceed ) For transactions.

FIG. 2 illustrates a schematic diagram of the first user equipment 100 according to an embodiment of the present disclosure. The first user equipment 100 may include a processor 110, a storage medium 120, a transceiver 130, and an input/output device 140.

The processor 110 is, for example, a central processing unit (CPU), or other programmable general-purpose or special-purpose micro-control unit (MCU), microprocessor (microprocessor), and digital signal processing (Digital signal processor, DSP), programmable controller, application specific integrated circuit (ASIC), graphics processing unit (GPU), image signal processor (ISP) ), image processing unit (IPU), arithmetic logic unit (ALU), complex programmable logic device (CPLD), field programmable gate array (field programmable gate array) , FPGA) or other similar elements or a combination of the above elements. The processor 110 may be coupled to the storage medium 120, the transceiver 130, and the input/output device 140, and access and execute multiple modules and various application programs stored in the storage medium 120.

The storage medium 120 is, for example, any type of fixed or removable random access memory (RAM), read-only memory (ROM), flash memory (flash memory) , A hard disk drive (HDD), a solid state drive (SSD), or a similar component or a combination of the above components, and is used to store multiple modules or various applications that can be executed by the processor 110.

The transceiver 130 transmits and receives signals in a wireless or wired manner. The transceiver 130 may also perform operations such as low noise amplification, impedance matching, frequency mixing, up or down frequency conversion, filtering, amplification, and the like.

The input/output device 140 may include an input device such as a touch screen, a keyboard, or a mouse, and may include an output device such as a display or a speaker.

FIG. 3 illustrates a schematic diagram of the second user equipment 200 according to an embodiment of the present disclosure. The second user equipment 200 may include a processor 210, a storage medium 220, a transceiver 230, and an input/output device 240.

The processor 210 is, for example, a central processing unit, or other programmable general-purpose or special-purpose micro-control unit, microprocessor, digital signal processor, programmable controller, integrated circuit for special applications, graphics processor , Image signal processor, image processing unit, arithmetic logic unit, complex programmable logic device, field programmable logic gate array or other similar components or a combination of the above components. The processor 210 may be coupled to the storage medium 220, the transceiver 230, and the input/output device 240, and access and execute multiple modules and various application programs stored in the storage medium 220.

The storage medium 220 is, for example, any type of fixed or removable random access memory, read only memory, flash memory, hard disk, solid state drive, or similar component or a combination of the above components, and is used for Store multiple modules or various applications that can be executed by the processor 210.

The transceiver 230 transmits and receives signals in a wireless or wired manner. The transceiver 230 may also perform operations such as low noise amplification, impedance matching, frequency mixing, up or down frequency conversion, filtering, amplification, and the like.

The input and output device 240 may include an input device such as a touch screen, a keyboard, or a mouse, and may include an output device such as a display or a speaker.

The first user equipment 100 may send a request message to the second user equipment 200 through the transceiver 130 to request the second user equipment 200 to pay for the transaction that the first user equipment 100 is performing (or is about to perform), where the request message includes, for example, a transaction Amount, transaction time or transaction reason, but this disclosure is not limited to this.

In one embodiment, the request message may also include business information. For example, the first user equipment 100 may scan the two-dimensional barcode provided by the merchant through the camera coupled to the processor 110 to obtain merchant information.

After receiving the request message from the first user device 100, the second user device 200 may display the content of the request message to the user of the second user device 200 through the input and output device 240 to read. The user of the second user equipment 200 can determine whether to pay for the first user equipment 100 according to the content of the request message.

In an embodiment, the first user equipment 100 must first obtain the permission to transmit the request message. For example, the first user equipment 100 may perform data transmission with the second user equipment 200 through the transceiver 130 to obtain the permission to transmit the request message. During the data transmission between the first user equipment 100 and the second user equipment 200, the first user equipment 100 may display the user terms for reading by the user of the first user equipment 100 through the input/output device 140. In addition, the second user equipment 200 may display the user terms through the input/output device 240 for the user of the second user equipment 200 to read. After the user of the first user equipment 100 and the user of the second user equipment 200 have read the user terms and agreed, the first user equipment 100 may obtain the right to transmit the request message.

If the user of the second user equipment 200 agrees to pay for the transaction that the first user equipment 100 is performing (or is about to perform), the user of the second user equipment 200 may input an instruction representing consent through the input/output device 240. The processor 210 may generate a response message corresponding to the request message according to the instruction, where the response message may include a payment tool corresponding to the second user device 200. Then, the second user equipment 200 can send a response message to the first user equipment 100 through the transceiver 230. The first user equipment 100 may conduct the transaction by the payment tool in the response message.

In an embodiment, if the request message already contains merchant information, the second user device 200 can complete the transaction being performed by the first user device 100 according to the merchant information without sending a payment tool to the first user device 100. For example, the second user device 200 may pay the amount required for the transaction being performed by the first user device 100 according to the credit card information pre-stored in the storage medium 220.

In an embodiment, the payment instrument transmitted by the second user equipment 200 to the first user equipment 100 may be associated with the transaction rule. After the first user device 100 obtains the payment tool, the first user device 100 can only use the payment tool to pay for transactions that match the transaction rules. The first user device 100 may conduct the transaction through the payment tool in response to the transaction rule matching the transaction corresponding to the request message. The trading rules can include the available transaction amount range or the available transaction time range. After the first user device 100 obtains the payment tool, the first user device 100 can only use the payment tool for transactions that meet the available transaction amount range or available transaction time range. For example, the user of the second user device 200 may set the available transaction time range of the transaction rule of the payment instrument to be from 11 am to 1 pm on weekdays, and the available transaction amount range is one hundred yuan. In this way, the user of the first user device 100 can only use the payment tool provided by the second user device 200 to purchase a commodity of less than one hundred yuan between 11 am and 1 pm on weekdays.

In one embodiment, the payment tool may include virtual credit card information. After receiving the request message from the first user device 100, the second user device 200 may encrypt the credit card information pre-stored in the storage medium 220 according to the request message to generate virtual credit card information, where the virtual credit card information includes, for example, Virtual credit card number, virtual expiration date or virtual credit card security code, etc. Then, the transceiver 230 of the second user equipment 200 may send the virtual credit card information to the first user equipment 100 in response to the message. The first user equipment 100 can perform a transaction corresponding to the request message through the virtual credit card information. For example, the user of the first user device 100 may enter the virtual credit card information into the application interface provided by the merchant's credit card company to pay the merchant.

In an embodiment, the payment tool may include a sensory payment code. After receiving the request message from the first user device 100, the second user device 200 may generate a sensory payment code corresponding to the request message. For example, the second user device 200 may encrypt the credit card information pre-stored in the storage medium 220 according to the request message to generate an inductive payment code. Then, the transceiver 230 of the second user equipment 200 may transmit the inductive payment code to the first user equipment 100 in response to the message. The first user equipment 100 may conduct a transaction corresponding to the request message by sensing the payment code. For example, the first user device 100 may transmit a signal sensing the payment code to the merchant's scanner through the transceiver 130 to pay the merchant to the merchant.

In an embodiment, the payment tool may include a two-dimensional barcode. After receiving the request message from the first user device 100, the second user device 200 may generate a two-dimensional barcode corresponding to the request message. For example, the second user device 200 may encrypt the credit card information pre-stored in the storage medium 220 according to the request message to generate a two-dimensional barcode. Then, the transceiver 230 of the second user equipment 200 can send the two-dimensional barcode to the first user equipment 100 in response to the message. The first user equipment 100 may perform a transaction corresponding to the request message through a two-dimensional barcode. For example, the first user equipment 100 may display the two-dimensional barcode to the merchant through the input and output device 140. The merchant may scan the two-dimensional barcode displayed by the first user device 100 through the scanner to obtain the payment that should be paid to the merchant.

In one embodiment, the payment tool may include an application program interface for transferring funds. After receiving the request message from the first user device 100, the second user device 200 may generate an application program interface according to the request message. The application program interface may include a transfer-out account corresponding to the second user device 200, wherein the transfer-out account may be pre-stored in the storage medium 220, for example. Then, the transceiver 230 of the second user equipment 200 can send the application program interface to the first user equipment 100 by a response message.

After receiving the application program interface from the second user device 200, the first user device 100 may receive a user operation through the input/output device 140 to input the transfer account corresponding to the user of the first user device 100 into the application program interface . In addition, the first user equipment 100 can also receive user operations through the input/output device 140 to input transaction-related information (eg, transaction amount or transaction time) into the application interface. After the application program interface obtains the necessary data (ie, transfer-in account and transfer-out account), the first user device 100 can transmit the filled-in application program interface through the transceiver 130 to perform a transaction corresponding to the request message. For example, the first user equipment 100 may transmit the completed application program interface to the server of the bank designated by the second user equipment 200 through the transceiver 130. The bank may perform transfer transactions based on information such as transfer-in and transfer-out accounts in the application program interface from the first user device 100.

FIG. 4 illustrates a flowchart of an agent payment method according to an embodiment of the present disclosure, wherein the agent payment method may be implemented by the agent payment system 10 shown in FIG. 1. In step S401, the first user equipment 100 transmits a request message to the second user equipment 200. In step S402, the second user equipment 200 transmits a response message corresponding to the request message to the first user equipment 100, wherein the response message includes the payment instrument corresponding to the second user equipment 200, wherein the payment instrument is associated with the transaction rule. In step S403, the first user device 100 performs a transaction through the payment tool in response to the transaction rule matching the transaction corresponding to the request message.

In summary, the second user equipment disclosed herein can pay for the transaction behavior of the first user equipment in a remote manner. After receiving the request message from the first user equipment, the second user equipment may determine whether to agree to pay for the transaction being performed by the first user equipment according to the content of the request message. If the second user equipment agrees to pay for the transaction that the first user equipment is performing (or is about to perform), the second user equipment may transmit a payment tool to the first user equipment for use. The payment tool can pay for the transaction through methods such as credit card payment, mobile payment, scanning payment, or bank transfer payment. The second user equipment may also set a transaction rule that includes the available transaction amount range or available transaction time range, to provide the first user equipment with a more flexible payment tool.

10: Agency payment system 100: first user equipment 110, 210: processor 120, 220: storage media 130, 230: transceiver 140, 240: input and output devices 200: second user equipment S401, S402, S403: steps

FIG. 1 is a schematic diagram of an agent payment system according to an embodiment of the present disclosure. FIG. 2 is a schematic diagram of a first user equipment according to an embodiment of the present disclosure. FIG. 3 is a schematic diagram of a second user equipment according to an embodiment of the present disclosure. FIG. 4 illustrates a flowchart of the agent payment method according to an embodiment of the present disclosure.

10: Agency payment system

100: first user equipment

200: second user equipment

Claims (1)

An agent payment system, including: First user equipment; and The second user equipment, the communication is connected to the first user equipment, wherein The first user equipment sends a request message to the second user equipment; The second user equipment transmits a response message corresponding to the request message to the first user equipment, wherein the response message includes an inductive payment code corresponding to the second user equipment; and The first user equipment transmits a transaction corresponding to the request message by transmitting the inductive payment code.

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