TWM615957U - Integrated payment platform system - Google Patents

Abstract

This creation is to provide a system that integrates the payment platform, which is connected to the payment server through the application set by the electronic device to retrieve the barcode information of the bill, and further connects to the intermediary host, and then connects to the service server through the intermediary host. And based on the bill bar code information or the corresponding payment information to generate bill information, and pay through the payment server, through this creation, the service server’s collection financial institution can share the bill, which greatly improves the general public’s use of electronic payment tools. Willingness.

Description

Integrated payment platform system

This creation is about a system that integrates payment platforms.

With the diversified development of digital finance and the fact that most people have one machine, the payment method has gradually changed. From the past cash payment or plastic currency payment, it is replaced by mobile payment. The current mobile payment products , Including electronic payment, e-ticket and third-party payment. Most payment companies and institutions in the current market are connected individually. A single wallet application can only pay bills from their partner institutions, and institutions must sign contracts with payment companies individually , System connection, account reconciliation, and account cancellation, etc. Users who want to pay must also download multiple wallet applications or business-specific applications to pay various bills separately.

Although ready-made payment companies can directly connect to individual institutions to provide credit card or stored-value account payment, the direct connection method is expensive and cannot cover all payment tools, resulting in service gaps and inconvenience. At the same time, it must be paid after payment. Waiting for several hours to several days, and only when the system of individual institutions and payment companies are cleared can you know whether the payment is successful. The back-end payment settlement efficiency is not high. At the same time, because the institution has to face multiple collection banks, The procedures for reconciliation and cancellation are quite complicated.

Based on the above content, it can be known that this creation is to provide an integrated payment platform system, which is connected to the payment server via an application set up by the electronic device to retrieve the bill bar code information, and further links to the intermediary host, and then through the intermediary host Connect to the service server and pay according to the bill barcode Information or corresponding payment information is used to generate bill information, and the payment server provides customers with a choice of payment tools for payment. This method allows the collection financial institution of the service server to share bills and integrate credit cards, financial cards, and financial accounts. , Electronic payment account and other multiple payment tools, provide real-time inquiry/payment/debit and other functions, and have the feature of expanding payment items to improve the convenience of payment services.

One of the purposes of this creation is to provide a system that integrates a payment platform that links multiple service servers and multiple payment servers with an intermediary host, so that electronic devices can be connected to the payment server through an application to make payment, thereby enhancing consumers The convenience of payment using existing accounts, financial cards, credit cards and electronic payment accounts.

For the above-mentioned purpose, this creation provides a system of integrated payment platform, which includes: a payment server, which has a payment page; an intermediary host, which is connected to the payment server; and a first financial server, which Connected with the intermediary host; a service server connected with the intermediary host; and an electronic device connected with the intermediary host via the payment server; wherein the electronic device is connected to a payment page of a payment server, The electronic device retrieves a bill bar code information, and sends the bill bar code information or a corresponding payment information to the payment page, and the service server receives and generates bill information based on the bill bar code information or the payment information , And sent to the intermediary host, the intermediary host reads the payment tool information corresponding to the electronic device stored in the intermediary host, and the intermediary host sends the bill information to the first one corresponding to the payment tool information A financial server, which confirms the payment tool information and pays a payment amount based on the bill information.

The present creation provides an embodiment that further includes a second financial server, and the service server receives the payment amount via the second financial server corresponding to the bill information.

This creation provides an embodiment in which when the service server receives the payment amount via the second financial server, it generates a debit message and sends it to the intermediary host, and the intermediary host sends the debit message to the service server .

This creation provides an embodiment, wherein the bill information has the payment amount and the second financial server corresponding to the bill information.

The present invention provides an embodiment, wherein the payment server is at least one of a financial institution server, a digital wallet information, or an electronic payment information.

1: payment server

2: Intermediary host

3: The first financial server

4: Service server

5: Electronic device

6: The second financial server

A: Payment page

APP: Application

S1-S17: steps

The first figure: it is a flow chart of the method of an embodiment of the creation; and the second figure: it is a schematic diagram of the system of an embodiment of the creation.

In order to enable your reviewer to have a better understanding and understanding of the features of this creation and the effects achieved, I would like to provide a better embodiment and detailed descriptions. Connect, provide credit card or stored value account payment, but the direct connection method is expensive, and cannot cover all payment tools, resulting in service gaps and inconvenience. For this reason, this creation provides a system that integrates payment platforms. The set application links to the payment server to retrieve the bill barcode information, and further links to the intermediary host, and then connects to the service server via the intermediary host, and generates bill information based on the bill barcode information or the corresponding payment information , And through the payment server to provide customers with a choice of payment tools to make payment, so that the service server There is no need to connect with the financial host one by one, while reducing the development and maintenance costs of the service server and the financial host, and at the same time improving 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 a payment platform. The steps include: Step S1: An electronic device sets up an application, and executes the application to link to a payment page of a payment server; Step S3: The electronic The device retrieves a bill bar code information, and transmits the bill bar code information or a corresponding payment information to the payment page; step S5: the payment server connects to an intermediary host, the intermediary host connects to a service server, and the service The server receives and generates bill information based on the bill bar code information or the payment information, and sends it to the intermediary host; step S7: the intermediary host reads a payment corresponding to the electronic device stored in the intermediary host Tool information; Step S9: The intermediary host transmits the bill information to a first financial server corresponding to the payment tool information; and Step S11: The first financial server confirms the payment tool information and based on the bill Information pays a payment amount.

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 payment platform, which includes a payment server 1, an intermediary host 2, and the first gold Fusion server 3, service server 4, electronic device 5 and second financial server 6, where payment server 1 has a payment page A; intermediary host 2 is connected to payment server 1; first financial server 3 and service server The device 4 is respectively connected with the intermediary host 2; the electronic device 5 is provided with an application program APP; the second financial server 6 is connected with the service server 4, and the method of implementing the integrated payment platform with this system is described below.

As shown in step S1, in this embodiment, an application APP is set on the electronic device 5 to link to the payment page A of the payment server 1. The electronic device 5 includes but is not limited to a smart phone, a personal computer, a tablet computer or a notebook computer; Application Apps include, but are not limited to, payment applications such as mobile online banking of financial institutions or wallet applications of electronic branch institutions.

As shown in step S3, the electronic device 5 retrieves the bill barcode information, and transmits the bill barcode information or corresponding payment information to the payment page A, where the bill barcode information includes the payment amount and payment information.

As shown in step S5, the payment server 1 is connected to the service server 4 via the intermediary host 2, and receives and generates bill information based on the bill barcode information or payment information via the service server 4, and sends it to the intermediary host 2. Example When the bill bar code information is the Asia Pacific Telecom bill, including but not limited to the telecom bill, parking bill, and utility bill, it is linked to the service server of the corresponding Asia Pacific Telecom via the intermediary host 2. 4. The service server 4 queries its bill barcode information or payment information to generate bill information, where the bill information includes but is not limited to the payment amount and the second financial server 6 corresponding to the bill information.

As shown in step S7, the intermediary host 2 reads the payment tool information corresponding to the electronic device 5 stored in the intermediary host 2, and continues as shown in step S9, the intermediary host 2 transmits the bill information to the corresponding payment tool The first financial server 3 of the information, and finally as shown in step S11, the first financial server 3 Confirm the payment tool information to provide the customer with the choice of payment tool, and pay the payment amount based on the payment tool selected by the customer and the bill information.

This embodiment further includes step S13 after step S11, wherein the step includes: step S13: the service server receives the payment amount through a second financial server corresponding to the bill information.

As shown in step S13, the service server 4 receives the payment amount via the receiving bank corresponding to the bill information, that is, the service server receives the payment amount via the second financial server 6, and completes the payment process.

The embodiment further includes steps S15-S17 after step S13, wherein the steps include: step S15: when the service server receives the payment amount via the second financial server, generating a debit message and sending it to the intermediary host; And step S17: the intermediary host sends the account cancellation message to the service server.

As shown in step S15, when the service server 4 receives the payment amount via the second financial server 6, it will generate a charge-off message to the intermediary host 2, and continue as in step S17, send a charge-off message to the service server via the intermediary host 2. 4.

In the above-mentioned embodiment, this creation provides a system of integrated payment platform, which is connected to the payment server via the application program of the electronic device to retrieve the bill bar code information, and further connects to the intermediary host, and then through the intermediary host Connect to the service server and generate bill information based on the bill bar code information or corresponding payment information, and pay through the payment server, which is the concept of "bill sharing", which provides users who want to pay through any payment provider With the wallet application, mobile payment services can be used without the need to download multiple applications, which greatly increases the general public’s willingness to use electronic payment tools.

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. Undoubtedly, Yan filed a new patent application in accordance with the law. I pray that the Bureau 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 equivalent changes and modifications of the shape, structure, characteristics and spirit described in the scope of the patent application for this creation are made. , Should be included in the scope of patent application for this creation.

1: payment server

2: Intermediary host

3: The first financial server

4: Service server

5: Electronic device

6: The second financial server

A: Payment page

APP: Application

Claims (5)

A system of integrated payment platform, which includes: A payment server, which has a payment page; An intermediary host, which is connected to the payment server; A first financial server connected to the intermediary host; A service server connected to the intermediary host; and An electronic device connected to the intermediary host via the payment server; The electronic device is connected to a payment page of a payment server. The electronic device retrieves a bill bar code information, and sends the bill bar code information or corresponding payment information to the bill payment page, and the service server receives and A bill information is generated based on the bill barcode information or the payment information and sent to the intermediary host. The intermediary host reads the corresponding payment tool information stored in the intermediary host corresponding to the electronic device, and the intermediary host sends The bill information is sent to a first financial server corresponding to the payment tool information, and the financial server confirms the payment tool information, and pays a payment amount based on the bill information. The system of integrated payment platform as described in claim 1, further includes: A second financial server, the service server receives the payment amount via the second financial server corresponding to the bill information. The system of the integrated payment platform described in claim 2, wherein when the service server receives the payment amount via the second financial server, it generates a debit message and sends it to the intermediary host, and the intermediary host transmits the debit Message to the service server. The system of the integrated payment platform described in claim 2, wherein the bill information has the payment amount and the second financial server corresponding to the bill information. The system of the integrated payment platform according to claim 1, wherein the payment server is at least one of a financial institution server, a digital wallet information, or an electronic payment information.

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