TWM613322U - Payment system with suggestions for preferential payment method - Google Patents

Abstract

This creation is a payment system with preferential payment method suggestions, which includes: at least one line Mobile communication device, a merchant platform cashier payment management device, and a payment platform management server device. After the mobile communication device imports the payment information from the merchant platform cashier payment management device, the payment platform management server device performs payment discount calculations, and Feed back the calculated results to the mobile communication device, and bring out the most favorable payment suggestions on the mobile communication device, effectively integrate a variety of payment functions and preferential information, and provide payers with more choice and payment convenience to achieve resources High degree of integration and diversification of use.

Description

Payment system with preferential payment method recommendations

This creation is related to a payment system with preferential payment method suggestions and a suggested payment method, especially those in the technical field of a device system applied to provide user-side preferential information and suggestions.

In recent years, e-commerce has developed rapidly, and mobile payment has become an indispensable part of daily life or commercial transactions. Therefore, in order to meet the needs of the market, stores must establish various channels of payment methods to meet the needs of the changing market environment; According to the currently known payment system, it includes at least one payment platform device and a digital sales-end device. The sales-end device is equipped with a QR CODE display module and an information transmission module, which can be scanned by consumers on the sales-end device. After the QR CODE display module makes the payment, the payment message is transmitted to the payment platform device by the information transmission module, and the payment platform device generates payment information relative to the payment message and sends it back to the consumer to notify the consumer to complete the payment. It has the effect of simplifying payment operations, but it corresponds to the diversified consumption environment of today. Therefore, merchants on the sales end must sign contracts with different third-party payments to make payments, and their contracts with different third-party payment will relatively produce differences in software or hardware. Lease fees cause an increase in the cost of use at the sales end, and form the inconvenience of payment and use methods, so there is a need for improvement.

In view of the high cost of using conventional payment devices and payment methods and insufficient general convenience, this creation is a payment system with preferential payment methods to complete this creation.

The main purpose of this creation is to provide a payment system with preferential payment method suggestions. The payment system with preferential payment method suggestions includes: at least one mobile communication device, a merchant platform cashier payment management device, and a payment platform management server device , The mobile communication device is a smart phone, the mobile communication device is provided with a mobile payment module, a location information detection module, and a payment discount notification module, and the mobile payment module is provided with a payment method access Unit and an information importing and payment scanning unit; the merchant platform cashier payment management device is a point-of-sale information system, the merchant platform cashier payment management device is equipped with an information guiding unit, and the information guiding unit is equipped with an integrated payment Bar code, the information guide unit is used for the information import of the mobile payment module of the mobile communication device and the payment scanning unit for reading and linking; the payment platform management server device is a database computer, and the payment platform management server The device is provided with an information integrated receiving and transmitting module, at least one preferential feedback message storage database module, and an information integrated computing module. The information integrated receiving and transmitting module is provided with a location information determining unit, a payment type determining unit, and a A preferential message return unit, the preferential feedback message storage database module is provided with a merchant platform preferential information storage unit and a payment platform preferential information storage unit, the aforementioned information integrated receiving and transmitting module and the preferential feedback message storing database module and The information integration computing module is connected, and its information integration receiving and sending module is connected to mobile communication devices and merchant platform cashier and payment management devices in a wireless or wired manner to carry out information import calculations and feedback of preferential and payment information, and the location information identification unit receives The location information of the location information detection module of the mobile communication device is used for judgment.

The above-mentioned payment system with preferential payment methods is implemented by the mobile communication device, the merchant platform cashier payment management device and the payment platform management server device to perform the following steps: preferential and payment suggestion import step: information import and payment scan code of its mobile communication device Unit, import payment information in the information guidance unit of the merchant platform cashier payment management device, and transfer the imported information to the payment platform management Server device; preferential and payment suggestion calculation steps: import the information of the payment platform management server device, after the information integration receives the location information determination unit of the transmission module and the payment type determination unit, then import the determination information into the information integration calculation module At the same time, the merchant platform preferential information storage unit and the payment platform preferential information storage unit of the preferential feedback information storage database module import preferential information to the information integration calculation module for integrated calculation; preferential and payment suggestion feedback steps: information through the integrated calculation The preferential message return unit returns the payment preferential notice module, which displays the preferential information of the merchant platform and the payment platform, and at the same time generates the most preferential payment method suggestion after the calculation in the mobile payment module; for the user to choose Use mobile payment modules.

In a preferred embodiment, the payment method access unit stores mobile payment methods such as GOOGLE PAY, APPLE PAY, Alipay, WeChat Pay, LINE PAY, Pi Wallet, Jiekou Pay, Taiwan PAY, or Youyou Pay for use Diversified payment methods.

In a preferred embodiment, the physical credit card of the payer is further matched, and the mobile communication device is further provided with a credit card information storage module. The credit card information storage module stores multiple sets of physical credit card information of the payer, and the merchant platform The cashier payment management device is further provided with a credit card swiping unit for consumers to swipe the card to pay, and the preferential feedback information storage database module of the payment platform management server device is further provided with a credit card preferential information storage unit for payment A physical credit card is used to import payment information in the information guidance unit of the cashier payment management device of the merchant platform, and the imported information is transmitted to the payment platform management server device, and the location information identification unit and payment type identification of the receiving and sending module through the information integration After the unit is judged, the judgment information is imported into the information integration calculation module, and the credit card discount information storage unit of the discount feedback information storage database module imports the discount information to the information integration calculation module for integrated calculation, and the information after the integration calculation is through the discount The message return unit returns the payment discount notification module, and the payment discount notification module displays credit card discount information for the user to choose the most favorable credit card among the multiple sets of payer's physical credit cards stored in the credit card information storage module for payment.

After the payment information imported by the mobile communication device in the cashier payment management device of the merchant platform, the payment platform management server device performs the payment discount calculation, and the result of the calculation is fed back to the mobile communication device, and can be brought out on the mobile communication device The most favorable payment advice, effectively integrating a variety of payment functions and preferential information, provides payers more choice and payment convenience, in order to achieve the efficiency of resource integration and high diversification.

10: Mobile communication device

11: Mobile payment module

110: Payment method access unit

111: Information Import and Payment Scanning Unit

12: Credit card information storage module

13: Location information detection module

14: Payment discount notification module

20: Merchant platform cashier payment management device

21: Information Guidance Unit

22: Credit card swiping unit

30: Payment platform management server device

31: Information integration receiving and sending module

310: Location Information Discrimination Unit

311: Payment Type Discrimination Unit

312: Preferential Message Return Unit

32: Preferential feedback message storage database module

320: Credit card preferential information storage unit

321: Merchant platform preferential information storage unit

322: Payment platform preferential information storage unit

33: Information integrated computing module

100: Steps for importing discounts and payment suggestions

100A: Steps to import credit card offers and payment suggestions

100B: Calculation steps for credit card discounts and payment recommendations

100C: Credit card offers and payment suggestions feedback steps

200: Calculation steps for discounts and payment suggestions

300: Steps for feedback on offers and payment suggestions

[Figure 1] is a schematic diagram of the overall device composition state of the payment system with the preferential payment method proposed by this author.

[Figure 2] It is a reference diagram of the composition state of the payment method access unit of the payment system with the preferential payment method proposed by this author.

[Figure 3] is a schematic diagram of the operation process of the proposed payment method of the payment system with the preferential payment method proposed by this author.

[Figure 4] It is a reference diagram of the composition state of the embodiment of the payment system with preferential payment method proposed in this creation and the overall device composition of a physical credit card.

[Figure 5] is a schematic diagram of an embodiment of the proposed payment method for a payment system with a preferential payment method proposal in accordance with the operation process of a physical credit card.

In order to enable your reviewer to further understand the structure, features and other purposes of this creation, the following preferred embodiments are attached with diagrams for detailed descriptions as follows, but the embodiments described in this diagram are for illustrative purposes. It is not the only restriction on patent application.

Please refer to Figures 1 and 2, which is a reference diagram of the overall device composition state and payment method access unit composition state of the payment system proposed by this author with a preferential payment method, which includes: at least one mobile communication device 10, said The mobile communication device 10 is a smart phone. The mobile communication device 10 is provided with a mobile payment module 11, a location information detection module 13, and a payment discount notification module 14. The mobile payment module 11 is provided with a payment Mode access unit 110 and an information import and payment scanning unit 111. The payment mode access unit 110 stores GOOGLE Pay, APPLE Payment, Alipay, WeChat Pay, LINE Payment, Pi Wallet, Jiekou Payment, Taiwan PAY or Youyou Payment and other mobile payment methods; a merchant platform cashier payment management device 20, the merchant platform cashier payment management device 20 is a point of sale information system (POS machine), the merchant platform cashier payment management device 20 is provided with an information guide unit 21 , And the information guiding unit 21 is provided with an integrated payment barcode, and the information guiding unit 21 is used for the information import of the mobile payment module 11 of the mobile communication device 10 and the payment scanning unit 111 for reading and linking; and a payment platform A management server device 30. The payment platform management server device 30 is a database computer. The payment platform management server device 30 is provided with an information integrated receiving and transmitting module 31 and at least one preferential feedback message storage database module 32 And an information integration computing module 33. The information integration receiving and transmitting module 31 is provided with a location information determining unit 310, a payment type determining unit 311, and a preferential message return unit 312. The preferential feedback message storage database module Group 32 has a merchant platform preferential information storage unit 321 and a payment platform preferential information storage unit 322. The information integrated receiving and transmitting module 31 and the preferential feedback information storage database module 32 are connected to the information integrated computing module 33, and the information integrated receiving and transmitting module 31 is wirelessly or wiredly connected to the mobile communication device 10 and the merchant platform cashier payment The management device 20 is connected to perform information import calculation and discount and payment information feedback, and the location information determination unit 310 receives the location information of the location information detection module 13 of the mobile communication device 10 for determination.

Please refer to Figures 1 and 2, which is a reference diagram of the overall device composition status of the payment system and the payment method access unit composition status of the proposed payment system with preferential payment methods. It is a mobile communication device 10, a merchant platform cashier payment management device 20 and the payment platform management server device 30 are connected and coordinated with each other. The mobile communication device 10 performs payment discount calculations by the payment platform management server device 30 after the payment information imported by the merchant platform cashier payment management device 20, and calculates The subsequent results are fed back to the mobile communication device 10, and the most favorable payment suggestions can be brought out on the mobile communication device 10, effectively integrating multiple payment functions and preferential information, providing payers with more choice and payment convenience, so as to achieve resources High degree of integration and diversification of use.

Please refer to FIG. 3, which is a schematic diagram of the operation flow of the payment method of the payment system proposed by this author with a preferential payment method. The recommended payment method is the mobile communication device 10, the merchant platform cashier payment management device 20 and the payment platform management server The device 30 executes the following steps: preferential and payment suggestion import step 100: the information importing and payment scanning unit 111 of the mobile communication device 10 import payment information in the information guide unit 21 of the merchant platform cashier payment management device 20, and import The information is transmitted to the payment platform management server device 30; discount and payment suggestion calculation step 200: Import the information of the payment platform management server device 30, and receive the location information determination unit 310 and the payment type determination unit of the transmission module 31 through the information integration After 311 discrimination, the discrimination information is imported into the information integration calculation model Group 33, at the same time, the merchant platform preferential information storage unit 321 of the preferential feedback information storage database module 32 and the payment platform preferential information storage unit 322 import preferential information to the information integration computing module 33 for integrated calculation; preferential and payment suggestion feedback step 300 : The information after the integrated calculation is returned to the payment discount notification module 14 through the discount message return unit 312. The payment discount notification module 14 displays the merchant platform and payment platform discount information, and at the same time the mobile payment module 11 generates the most updated information after the calculation. Suggested payment methods for the discount; for users to choose to use the mobile payment module 11.

With the cooperation of the above-mentioned devices, the payment system and the recommended payment method for this creation with preferential payment methods can be completed.

Please refer to Figures 4 and 5, which is the reference diagram of the payment system embodiment with the preferential payment method proposed by this author and the overall device composition status and operation flow of the physical credit card. The overall composition is the same as Figures 1 to 3 of this author, except that Further cooperate with the physical credit card of the payer, and the mobile communication device 10 is further provided with a credit card information storage module 12, the credit card information storage module 12 stores multiple sets of physical credit card information of the payer, and the merchant platform cashier payment management device 20 A credit card swiping unit 22 is further provided for consumers to swipe their cards to pay, and the preferential feedback information storage database module 32 of the payment platform management server device 30 is further provided with a credit card preferential information storage unit 320, which Perform the following steps with the physical credit card: Credit card discounts and payment suggestions import Step 100A: The payer uses the physical credit card to import the payment information at the information guide unit of the merchant platform cashier payment management device, and the imported information is transmitted to the payment platform management server Device; credit card discount and payment suggestion calculation step 100B: Import the information of the payment platform management server device, and after the information integration receives the location information determination unit of the transmission module and the payment type determination unit, the determination information is imported into the information integration calculation module , And at the same time discount feedback information storage database module Credit card discount information storage unit imports discount information to the information integration computing module for integrated calculation; credit card discount and payment suggestion feedback step 100C: Information after integration calculation is returned to the payment discount notification module through the discount message return unit, and the payment discount notification is sent The module displays credit card discount information so that the user can choose to pay with the most favorable credit card among the multiple groups of payer's physical credit cards stored in the credit card information storage module to increase the multiple practicability of this creation.

In summary, this creation can indeed achieve the above-mentioned functions and purposes, so this creation should meet the requirements of a patent application, and an application should be filed in accordance with the law.

10: Mobile communication device

11: Mobile payment module

110: Payment method access unit

111: Information Import and Payment Scanning Unit

13: Location information detection module

14: Payment discount notification module

20: Merchant platform cashier payment management device

21: Information Guidance Unit

30: Payment platform management server device

31: Information integration receiving and sending module

310: Location Information Discrimination Unit

311: Payment Type Discrimination Unit

312: Preferential Message Return Unit

32: Preferential feedback message storage database module

321: Merchant platform preferential information storage unit

322: Payment platform preferential information storage unit

33: Information integrated computing module

Claims (6)

A payment system with preferential payment method recommendations, comprising: at least one mobile communication device, the mobile communication device is a smart phone, the mobile communication device is provided with a mobile payment module, a location information detection module, and A payment discount notification module, the mobile payment module is provided with a payment method access unit and an information import and payment scanning unit; a merchant platform cashier payment management device, the merchant platform cashier payment management device is provided with an information guide The information guide unit is equipped with an integrated payment barcode, and the information guide unit is used for the information import of the mobile payment module of the mobile communication device and the payment scanning unit for reading and linking; and a payment platform management server device The payment platform management server device is a database computer, and the payment platform management server device is provided with an information integrated receiving and transmitting module, at least one preferential feedback message storage database module, and an information integrated computing module. The information integrated receiving and transmitting module is provided with a location information judging unit, a payment type judging unit, and a preferential message return unit, and the preferential feedback message storage database module is provided with a merchant platform preferential information storage unit and a payment platform preferential The information storage unit, the aforementioned information integrated receiving and transmitting module and the preferential feedback information storage database module are connected with the information integrated computing module, and the information integrated receiving and transmitting module is wirelessly or wired to mobile communication devices and merchant platform cashier payment The management device is connected to perform information import calculation and discount and payment information feedback, and the location information judging unit receives the location information of the location information detection module of the mobile communication device for judgment. The payment system with preferential payment method recommendation as described in claim 1, wherein the merchant platform cashier payment management device is a point-of-sale information system POS machine. The payment system with preferential payment method recommendation as described in claim 1, wherein the payment method access unit stores GOOGLE payment, APPLE payment, Alipay, WeChat payment, LINE payment, Pi wallet, Jiekou payment, Taiwan PAY or Mobile payment methods such as Youyou Pay. The payment system with preferential payment method proposal as described in claim 1, wherein the information importing and payment scanning unit of the mobile communication device import payment information in the information guiding unit of the cashier payment management device of the merchant platform, and import The information is transmitted to the payment platform management server device, and the information of the payment platform management server device is imported. The location information determination unit receives the location information of the location information detection module for judgment, and receives the location information of the transmission module through the information integration After the discrimination unit and the payment type discrimination unit are discriminated, the discrimination information is imported into the information integration calculation module, and the merchant platform discount information storage unit of the discount feedback information storage database module and the payment platform discount information storage unit import the discount information to the information integration calculation module. The module performs integrated calculations, and the information after the integrated calculations is returned to the payment discount notification module through the discount message return unit. The payment discount notification module displays the merchant platform and payment platform discount information, and generates calculations in the mobile payment module at the same time Recommend the most favorable payment method afterwards. The payment system with a preferential payment method proposal as described in claim 1, wherein the physical credit card of the payer is further cooperated, and the mobile communication device is further provided with a credit card information storage module, and the credit card information storage module stores Set the physical credit card information of the payer, and the merchant platform cashier payment management device is further provided with a credit card swiping unit for consumers to swipe the card to pay, and the preferential feedback message storage database module of the payment platform management server device is further There is a credit card discount information storage unit, and its information guide unit is used for the physical credit card to import the information through the credit card swiping unit and then perform the information reading link, and the information integrated receiving and sending module does not Online or wired method, merchant platform cashier payment management device connection, information import calculation and credit card discount and payment message feedback. The payment system with preferential payment method recommendation according to claim 5, wherein the physical credit card is imported into the information guide unit of the merchant platform cashier payment management device, and the imported information is transmitted to the payment platform management server device , And import the information of the payment platform management server device, after the location information identification unit and the payment type identification unit of the information integration receiving and sending module are identified, the identification information is imported into the information integration computing module, and the information storage database module is preferentially returned The credit card discount information storage unit of the group imports the discount information to the information integration calculation module for integrated calculation, and the information after the integration calculation is returned to the payment discount notification module through the discount information return unit, and the payment discount notification module displays the credit card discount information , For the user to choose to pay with the most favorable credit card among the multiple groups of payer's physical credit cards stored in the credit card information storage module.

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