TWM612058U - System of integrated financial payment platform - Google Patents

Abstract

This creation is to provide a system that integrates financial payment platforms. When the consumer electronic device is used to conduct transactions on the transaction page of the sales server, the consumer electronic device will connect to the payment server and the payment server to the intermediary after receiving the transaction information. The host, the intermediary host reads the corresponding account information stored in the payment server of the corresponding consumer electronic device. At this time, the intermediary host transmits the transaction information to the financial server corresponding to the account information, and finally the financial server determines the account information. And the amount to be paid is deducted based on the transaction information. In this way, the sales-side server and the financial server do not need to be directly connected one by one, but can provide the consumer-side electronic device to deduct the payment with the existing account information, which increases its convenience and reduces the development cost.

Description

Integrated financial payment platform system

This creation is about a system that integrates financial payment platforms.

With the diversified development of digital finance and the fact that most people have one machine, their consumption patterns have gradually changed. Among them, the proportion of cash payment is decreasing year by year, while the proportion of plastic currency payment and mobile payment is increasing year by year. Such a change has also gradually changed the habit of people shopping in physical stores in the past, which is welcoming the pandemic of online shopping.

Online shopping, also known as online shopping, is one of the forms of e-commerce transactions. Consumers purchase required goods or services on the Internet through a web browser. Since online shopping is not restricted by time and location, there is no need to wait for a physical store. The business hours are replaced by a 24-hour online storefront, so you only need to operate on your mobile device or computer, click on the item you want to purchase on the web page, and pay via plastic currency or mobile payment or goods. You can enjoy the delivery service when you check out in the form of payment.

According to the Statistics Department of the Ministry of Economic Affairs, the e-shopping industry has grown at an annual rate of 4.8% due to the rapid growth of the online shopping market in recent years, and has been growing positively for 11 consecutive years. The average annual growth of turnover is 7.4%, which is better than the overall retail 1.9% of the retail industry and 5.6% of the storeless retail industry. Coupled with the improvement of mobile applications, the payment method is quite simple, which also greatly increases consumers' willingness to spend on online shopping.

However, in conventional e-commerce online transactions, consumers need to pay through the payment methods limited by the sales end, such as only providing credit card deductions, etc. In this way, consumers must have a credit card to conduct transactions at the sales end. Even if a financial card deduction is provided, the sales end must sign and bind with each financial institution one by one before they can link to the consumer’s designated deposit account for actual transaction deduction. The direct connection method is costly and cannot be covered. All financial institutions cause service gaps and inconvenience.

Based on the above content, it can be known that this creation is to provide a system that integrates financial payment platforms, through which the mediation host of this creation can provide account information link deductions between the payment server and the financial server, and the consumer electronic device is through the sales side When the server clicks on the product to check out, it can be linked to the account information stored in the payment server of the consumer electronic device, so that the user does not need to apply for a credit card, and can enjoy the convenience of online payment of the financial account. At the same time, the sales server The server can also provide multiple payment methods, without the need to link and verify with each financial server one by one, which greatly reduces the cost and verification process of the sales-side server directly connecting to various financial institutions, and provides consumer electronic devices with existing financial Account for payment, which greatly increases convenience.

One purpose of this creation is to provide a system that integrates financial payment platforms, the financial server of which can be connected to the payment server through an intermediary host, so as to provide the sales-side server to support the transaction services of various financial servers, greatly increasing its convenience And reduce technical costs.

For one of the above-mentioned purposes, this creation provides a system for integrating a financial payment platform, which includes: a sales-end server with a transaction page; and a consumer-end electronic device that is connected to the transaction page of the sales-end server A payment server, which is connected to the consumer electronic device; an intermediary host, which is connected to the payment server; and a financial server, which corresponds to an account information and is connected to the intermediary host; where the consumer end The electronic device clicks on at least one product information on the transaction page to generate and transmit transaction information. The consumer electronic device receives the transaction information, and the intermediary host reads the corresponding consumer electronic device stored in the payment server The account information, the intermediary host transmits the transaction information to the financial server corresponding to the account information, and the financial server confirms the account information and deducts a payment amount based on the transaction information.

This creation provides an embodiment in which the consumer electronic device inputs the account information on a first agreed verification page of the payment server, and transmits a first agreed verification request, and the payment server transmits the first appointment verification request via the intermediary host. An agreed verification request is sent to the financial server corresponding to the account information, and the financial server performs an agreed verification according to the first agreed verification request, and stores the account information to the payment server.

This creation provides an embodiment, wherein in the step of the payment server transmitting the first agreed verification request to the financial server corresponding to the account information via the intermediary host, the intermediary host is connected according to a link of the financial server The online mechanism transmits the first appointment verification request.

This author provides an embodiment, in which the connection mechanism is a host connection or an application programming interface (API).

The present invention provides another embodiment, which further includes a payment application program which respectively connects the consumer electronic device and the intermediary host, wherein the consumer electronic device inputs the account information on a second agreed verification page of the payment application , And send a second verification request, the payment application transmits the second agreed verification request to the financial server corresponding to the account information via the intermediary host, and the financial server performs the agreed verification according to the second agreed verification request , And save the account information to the payment application.

The present invention provides another embodiment, in which the payment application scans a bar code of the sales end according to the transaction information, obtains bar code information of the sales end, and transmits it to the intermediary host, and the intermediary host corresponds to the account information according to the bar code information of the sales end The financial server requests money and obtains an amount corresponding to the transaction information.

This creation provides yet another embodiment, in which the payment application generates a consumer-end barcode based on the transaction information, the sales server scans the consumer-end barcode, obtains a consumer-end barcode information, and sends it to the intermediary host, and the intermediary host according to The barcode information on the consumer side requests money from the financial server corresponding to the account information, and obtains the amount corresponding to the transaction information.

In order to enable your review committee to have a better understanding and understanding of the characteristics of this creation and the effects achieved, I would like to provide a better embodiment and detailed explanations. The explanations are as follows:

The conventional payment method needs to be directly connected to each financial server through the sales-end server one by one, and the consumer electronic device must be paid by each financial host directly connected to the sales-end server. For this reason, this creation provides A system that integrates a financial payment platform. The payment server is connected to the financial server through an intermediary host. The sales-side server supports the transaction services of various financial servers, greatly increasing its convenience and reducing technical costs, making the sales-side server There is no need to link the server and the financial server one by one. At the same time, it provides consumer electronic devices with existing financial accounts to enhance the convenience of the consumer.

Hereinafter, various embodiments of the creation will be described in detail by using drawings. However, the concept of this creation may be embodied in many different forms, and should not be construed as being limited to the exemplary embodiments described herein.

First of all, please refer to the first figure, which is a flowchart of a method according to an embodiment of the creation. As shown in the figure, it is a method of integrating financial payment platforms, and its steps include:

Step S1: A consumer electronic device is connected to a transaction page of a sales server;

Step S3: The consumer electronic device clicks at least one product information on the transaction page to generate and transmit a transaction information;

Step S5: The consumer electronic device receives the transaction information and connects to a payment server;

Step S7: The payment server is connected to an intermediary host, and the intermediary host reads the corresponding account information stored in the payment server corresponding to the consumer electronic device;

Step S9: The intermediary host transmits the transaction information to a financial server corresponding to the account information; and

Step S11: The financial server confirms the account information and deducts a payment amount based on the transaction information.

Please also refer to the second figure, which is a system schematic diagram of an embodiment of the creation. As shown in the figure, it is a system that integrates a financial payment platform, which includes a sales-end server 1, a consumer electronic device 2, a payment server 3, an intermediary host 4, and a financial server 5. The sales-end server 1 has Transaction page A, which can be connected to the consumer electronic device 2 via the Internet; the payment server 3 is connected to the consumer electronic device 2, and the intermediary host 4 is connected to the payment server 3; and the financial server 5 corresponds to account information 51 , And connect with the intermediary host 4, and implement the method of integrating the financial payment platform with the system of integrating the financial payment platform, as follows.

As shown in step S1, in this embodiment, the consumer electronic device 2 is connected to the transaction page A of the sales server 1. The consumer electronic device 2 includes, but is not limited to, a smart phone, a personal computer, a tablet computer or a notebook computer .

As shown in step S3, the consumer electronic device 2 clicks on at least one product information on the transaction page A to generate corresponding transaction information, wherein the transaction information includes the product information, the collection information of the sales server 1 and the sales server Forwarding instructions.

As shown in step S5, the consumer electronic device 2 receives the transaction information and connects to the payment server 3. As shown in step S7, the payment server 3 is connected to the intermediary host 4, and the intermediary host 4 will read the information corresponding to the consumer The electronic device 2 stores the account information 51 corresponding to the payment server 3.

As shown in step S9, the intermediary host 4 transmits the transaction information to the financial server 5 corresponding to the account information 51, and finally, as shown in step S11, the financial server 5 will confirm the account information 51 and deduct the payment amount based on the transaction information.

Reviewing the second figure, when the consumer electronic device does not store any account information 51 to the payment server 3, further after step S5, it can include steps:

Step S51: The consumer electronic device inputs the account information on a first appointment verification page of the payment server, and sends a first appointment verification request;

Step S53: The payment server transmits the first agreed verification request to the financial server corresponding to the account information via the intermediary host; and

Step S55: The financial server performs agreed verification according to the first agreed verification request, and stores the account information to the payment server.

As shown in step S51, when the consumer electronic device 2 has not stored any account information 51 in the payment server 3, the consumer electronic device 2 will link to the first agreed verification page of the payment server 3 and enter any account Information 51, and the first appointment verification request is sent. As shown in step S53, the payment server 3 transmits the first appointment verification request to the financial server 5 corresponding to the account information 51 via the intermediary host 4.

Finally, as shown in step S55, after the financial server 5 performs the agreed verification according to the first agreed verification request, it stores the entered account information 51 to the payment server 3 to complete the agreed connection. At this time, the intermediary host 4 will read The corresponding account information 51 stored in the payment server 3 corresponding to the consumer electronic device 1 is obtained, where the account information can also be a plurality of different account information 51.

Please refer to the third and fourth figures, which are a flowchart of a method and a schematic diagram of the system for creating another embodiment. As shown in the figure, the difference between this embodiment and the previous embodiment is that it adopts a payment application APP, so more Further after step S3, it includes the steps:

Step S31: The consumer electronic device inputs the account information on a second agreed verification page of a payment application, and sends a second verification request;

Step S33: The payment application transmits the second agreed verification request to the financial server corresponding to the account information via the intermediary host; and

Step S35: The financial server performs agreed verification according to the second agreed verification request, and stores the account information in the payment application.

As shown in step S31, the consumer electronic device 2 enters any account information 51 on the second appointment verification page of the payment application APP, and transmits a second appointment verification request. As shown in step S33, the payment application APP The second appointment verification request is transmitted to the financial server 5 corresponding to the account information 51 via the intermediary host 4.

Finally, as shown in step S35, after the financial server 5 performs the agreed verification according to the second agreed verification request, it saves the entered account information 51 to the payment application APP to complete the agreed link. At this time, the intermediary host 4 will read The account information 51 corresponding to the payment application APP stored in the payment application APP corresponding to the consumer electronic device 1 is obtained, where the account information can also be a plurality of different account information 51.

Reviewing the third figure, another embodiment of the present creation may further include the steps after step S35:

Step S351: The payment application scans a bar code at the sales end according to the transaction information, generates bar code information at the sales end, and sends it to the intermediary host; and

Step S353: The intermediary host requests money from the financial server corresponding to the account information according to the bar code information of the sales end, and obtains an amount corresponding to the transaction information.

As shown in step S351, the payment application APP scans the bar code of the sales end according to its transaction information, obtains the bar code information of the sales end, and sends it to the intermediary host 4. The bar code information of the sales end has the financial account information used by the sales end to receive the transaction. The amount paid by the consumer and continues. As shown in step S353, the intermediary host 4 requests the financial server 5 corresponding to the account information 51 according to the barcode information of the seller, and obtains the amount.

Please refer to the fifth figure, which is yet another embodiment provided for this creation. As shown in the figure, it differs from the previous embodiment only in that after step S35, it includes the following steps:

Step S352: The payment application generates a consumer end barcode according to the transaction information;

Step S354: The sales server scans the bar code of the consumer to obtain a bar code information of the consumer, and send it to the intermediary host; and

Step S356: The intermediary host requests money from the financial server corresponding to the account information according to the bar code information of the consumer end, and obtains the amount corresponding to the transaction information.

As shown in step S352, the third embodiment of this creation uses the payment application APP to generate a consumer-side barcode based on transaction information, and then, as shown in step S354, provide the sales server 1 to scan the consumer-side barcode to obtain the consumer-side barcode The information is sent to the intermediary host 4, where the bar code information on the consumer end has account information 51 and the amount corresponding to the transaction information.

Finally, as shown in step S356, the intermediary host 4 requests money from the financial server 5 corresponding to the account information 51 according to the bar code information of the consumer end to obtain the amount.

In the above-mentioned embodiments, this creation provides a system that integrates financial payment platforms. The payment server or the account information link between the payment application and the financial server can be deducted through the intermediary host. When the consumer electronic device is sold When the transaction page of the client server wants to checkout, it can be linked to read the account information stored in the payment server or payment application of the consumer electronic device through the intermediary host, so that the user does not need to apply for a credit card and can enjoy the financial account online in real time The convenience of payment. At the same time, the sales-end server does not need to be connected to each financial server one by one to verify the connection, which greatly reduces the cost and verification process of the sales-end server directly connecting to each financial institution, and provides consumer-end electronic devices with existing To make payments in a financial account, which greatly increases the convenience.

Therefore, this creation is really novel, progressive, and available for industrial use. It should meet the patent application requirements of my country's patent law. There is no doubt that Yan filed a new patent application in accordance with the law. I pray that the office will grant the patent as soon as possible.

However, the above are only the preferred embodiments of this creation, and are not used to limit the scope of implementation of this creation. For example, the shape, structure, characteristics and spirit described in the scope of the patent application for this creation are equally changed and modified. , Should be included in the scope of patent application for this creation.

1: Sales server

2: Consumer electronics

3: payment server

4: Intermediary host

5: Financial server

51: Account Information

A: Transaction page

APP: payment application

S1-S356: steps

The first figure: it is a flow chart of the method of an embodiment of the creation; The second figure: it is a schematic diagram of the system of an embodiment of the creation; Figure 3: It is a flowchart of another embodiment of the creation method; Figure 4: It is a schematic diagram of another embodiment of the creation system; and Figure 5: It is a flowchart of another embodiment of the creation method.

1: Sales server

2: Consumer electronics

3: payment server

4: Intermediary host

5: Financial server

51: Account Information

A: Transaction page

Claims (7)

A system for integrating financial payment platforms, which includes: A sales server with a transaction page; A consumer electronic device connected to the transaction page of the sales server; A payment server connected to the consumer electronic device; An intermediary host, which is connected to the payment server; and A financial server, which corresponds to an account information and is connected to the intermediary host; The consumer electronic device clicks on at least one product information on the transaction page to generate and transmit transaction information, the consumer electronic device receives the transaction information, and the intermediary host reads the payment corresponding to the consumer electronic device The account information corresponding to the server, the intermediary host transmits the transaction information to the financial server corresponding to the account information, and the financial server confirms the account information and deducts a payment amount based on the transaction information. The system for integrating a financial payment platform as described in claim 1, wherein the consumer electronic device inputs the account information on a first agreed verification page of the payment server, and transmits a first agreed verification request, the payment server The intermediary host transmits the first agreed verification request to the financial server corresponding to the account information, and the financial server performs agreed verification according to the first agreed verification request, and stores the account information to the payment server. The system of the integrated financial payment platform according to claim 2, wherein the intermediary host transmits the first agreed verification request according to a connection mechanism of the financial server. The system for integrating a financial payment platform as described in claim 3, wherein the connection mechanism is a host connection or an application programming interface (API). The system for integrating a financial payment platform as described in claim 1, further comprising a payment application program which respectively connects the consumer electronic device and the intermediary host, wherein the consumer electronic device is in a second agreement of the payment application The verification page enters the account information and sends a second verification request. The payment application transmits the second agreed verification request to the financial server corresponding to the account information via the intermediary host, and the financial server is based on the second verification request. The agreed verification request performs the agreed verification and saves the account information to the payment application. The system for integrating a financial payment platform as described in claim 5, wherein the payment server scans a bar code of the sales end according to the transaction information to obtain bar code information of the sales end, and transmits it to the intermediary host, and the intermediary host is based on the bar code of the sales end The information requests money from the financial server corresponding to the account information, and obtains an amount corresponding to the transaction information. The system for integrating a financial payment platform as described in claim 5, wherein the payment server generates a consumer-side barcode based on the transaction information, and the sales server scans the consumer-side barcode to obtain a consumer-side barcode information and send it to the intermediary Host, the intermediary host requests money from the financial server corresponding to the account information according to the bar code information of the consumer, and obtains the amount corresponding to the transaction information.

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