TWM610431U - Shopping channel payment system - Google Patents

Abstract

The present disclosure provides a shopping channel payment system including a shopping channel device, a back server coupled to the shopping channel device and a user device coupled to the shopping channel device and the bank server. The shopping channel device receives an input of an order information and transmits the order information to the bank server, and receives a payment URL including the order information from the bank server. The shopping channel device transmits a short message including the payment URL to the user device. The user device receives a click operation of the payment URL to open a payment page, wherein the payment page displays at least one payment wallet already installed in the user device. When a first payment wallet of the at least one payment wallet is selected, the user device opens the first payment wallet to perform a payment operation.

Description

Shopping counter payment system

This disclosure relates to a payment system, and in particular, to a shopping station payment system.

In the current TV shopping, there is no systematic payment method. As a result, consumers must notify the shopping station after payment and the shopping station personnel can confirm the payment success in the bank system before proceeding to the next shopping procedure. This wastes the time of both the consumer and the shop staff. Therefore, how to make the payment process of the shopping counter more efficient is a goal that those skilled in the art should strive for.

In view of this, the present disclosure provides a shopping station payment system to make the payment process of the shopping station more efficient.

The present disclosure proposes a shopping station payment system, which includes: a shopping station device; a bank server coupled to the shopping station device; and a user device coupled to the shopping station device and the bank server. The shopping station device receives the input of the order information and transmits the order information to the bank server, and receives the payment URL including the order information from the bank server. The shopping station device sends a short message including the payment URL to the user device. The user device receives the click operation of the payment URL to open the payment page, where the payment page displays at least one payment wallet installed on the user device. When the first payment wallet of the at least one payment wallet is selected, the user device opens the first payment wallet to perform a payment operation.

Based on the above, the shopping station payment system disclosed in the present disclosure allows the shopping station staff to confirm the order information by phone and input the order information into the system and receive the payment URL from the bank. The shopping station sends the payment URL to the user in a text message. The user clicks on the payment URL to display the electronic wallets installed in the user's electronic device and selects one of the electronic wallets to perform payment operations. In this way, the efficiency of the payment process at the shopping desk can be greatly improved.

Fig. 1 is a block diagram of a shopping station payment system according to an embodiment of the disclosure.

Please refer to FIG. 1, a shopping station payment system 100 according to an embodiment of the present disclosure includes a shopping station device 110, a bank server 120 and a user device 130. The bank server 120 is coupled to the shopping station device 110 via a wired or wireless network. The user device 130 is coupled to the shopping station device 110 and the bank server 120 via a wireless network. The shopping station device 110 is, for example, a shopping station personal computer or a server. The user device 130 is, for example, a smart phone, a tablet computer or other similar devices. The shopping counter device 110, the bank server 120 and the user device 130 can all include a communication chip (not shown in the figure), a storage device (not shown in the figure), and a processing module (not shown in the figure) .

The communication chip can support Global System for Mobile communication (GSM), Personal Handy-phone System (PHS), Code Division Multiple Access (CDMA) system, broadband code division Wideband Code Division Multiple Access (WCDMA) system, Long Term Evolution (LTE) system, Worldwide interoperability for Microwave Access (WiMAX) system, Wireless Fidelity (Wi-Fi) ) system, the fifth generation of mobile communication network ^{(5 th Generation Mobile Network, 5G} ) system, or component signal transmission Bluetooth.

The storage device can be any type of fixed or removable random access memory (Random Access Memory, RAM), read-only memory (Read-Only Memory, ROM), flash memory (flash memory), hard disk ( Hard Disk Drive, HDD), Solid State Drive (SSD) or similar components or a combination of the above components.

The processing module can be a central processing unit (Central Processing Unit, CPU), or other programmable general-purpose or special-purpose microprocessor (Microprocessor), digital signal processor (Digital Signal Processor, DSP), programmable Integrated circuit (Application Specific Integrated Circuit, ASIC) or other similar components or a combination of the above components.

In one embodiment, the user can call the shopping station to indicate the shopping intention and shopping content. After confirming the shopping content, the staff at the shopping station can input the order information to the shopping station device 110, and the shopping station device 110 transmits the order information to the bank server 120, and receives the payment URL (for example, payment URL) including the order information from the bank server 120 . Order information includes order details, order number and order amount. Then, the shopping station device 110 transmits a short message including the payment URL to the user device 130. Specifically, the text message may include the text of the order information and the payment URL including the order information. The payment URL includes the shopping station identification code and order information encrypted by an algorithm (for example, the RSA algorithm). The bank server 120 can store the shopping station identification codes corresponding to different shopping stations to identify which shopping station the payment URL corresponds to.

The user device 130 receives the click operation of the payment URL to open the payment page. In other words, after confirming that the content of the text message is consistent with the content notified by the shopping station, the user can click the payment URL of the text message to open the bank payment page. The bank payment page scans at least one payment wallet (for example, Jiekou Payment, OuPay, LinePay, Taiwan Pay, etc.) installed on the user device 130 and displays the aforementioned payment wallet. When the user selects one of the payment wallets (or called the first payment wallet), the user device 130 automatically opens the first payment wallet and performs the payment operation after the identity verification process is completed. The identity authentication process includes an identification code (for example, password, graphic code, ID number, etc.) recognition process and a biological feature (for example, fingerprint, voiceprint, face, iris, etc.) recognition process. It should be noted that although the payment page in this embodiment displays at least one payment wallet installed on the user device 130, the disclosure is not limited to this. In another embodiment, the payment page may also use color and/or solid line graphics (which can be selected by the user) to display the payment wallet installed on the user device 130 and use black and white and/or dotted line graphics (not Clicked by the user) to display a payment wallet that is supported on the payment page but not installed on the user device 130. In this way, the user can clearly see which payment wallets among the payment wallets supported on the payment page have been installed in the user device 130.

When the payment operation is completed, the payment page sends a payment success notification to the shopping station device 110 and the shopping station device 110 sends a payment success notification to the user device 130. In other words, the bank payment page will send a payment success notification to the shopping station. After the shopping station verifies that the source and content of the payment success notification are correct, the payment success notification message will be sent to the user.

To sum up, the shopping station payment system disclosed in the present disclosure allows the shopping station staff to confirm the order information from the phone and input the order information into the system and receive the payment URL from the bank. The shopping station sends the payment URL to the user in a text message. The user clicks on the payment URL to display the electronic wallets installed in the user's electronic device and selects one of the electronic wallets to perform payment operations. In this way, the efficiency of the payment process at the shopping desk can be greatly improved.

Although the present disclosure has been disclosed in the above embodiments, it is not intended to limit the present disclosure. Anyone with ordinary knowledge in the technical field can make some changes and modifications without departing from the spirit and scope of this disclosure. Therefore, The scope of protection of this disclosure shall be subject to the scope of the attached patent application.

100: Shopping counter payment system 110: Shopping counter device 120: Bank server 130: user device

Fig. 1 is a block diagram of a shopping station payment system according to an embodiment of the disclosure.

100: Shopping counter payment system

110: Shopping counter device

120: Bank server

130: user device

Claims (9)

A shopping counter payment system, including: A shopping counter device; A bank server, coupled to the shopping station device; and A user device coupled to the shopping station device and the bank server, wherein The shopping station device receives an input of order information and transmits the order information to the bank server, and receives a payment URL including the order information from the bank server; The shopping station device sends a text message including the payment URL to the user device; The user device receives the click operation of the payment URL to open a payment page, wherein the payment page displays at least one payment wallet installed in the user device; When a first payment wallet of the at least one payment wallet is selected, the user device opens the first payment wallet to perform a payment operation. The shopping station payment system according to claim 1, wherein when the payment operation is completed, the payment page sends a payment success notification to the shopping station device and the shopping station device sends the payment success notification to the user device. The shopping station payment system according to claim 1, wherein when the first payment wallet is opened, the user device executes an identity authentication procedure to perform the payment operation. The shopping station payment system according to claim 3, wherein the identity verification procedure includes an identity identification code recognition procedure and a biometric identification procedure. The shopping station payment system according to claim 1, wherein the order information includes an order detail, an order number, and an order amount. The shopping station payment system according to claim 5, wherein the payment URL includes a shopping station identification code encrypted by an algorithm and the order information. The shopping station payment system according to claim 6, wherein the algorithm is an RSA encryption algorithm. The shopping station payment system according to claim 1, wherein after the user device receives the click operation of the payment URL, the payment page scans the at least one payment wallet installed on the user device and displays the at least one payment wallet . The shopping station payment system according to claim 1, wherein the short message includes the text of the order information and the payment URL including the order information.

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