TWM630400U - Payment and collection system - Google Patents

Abstract

A payment and collection system in communication connection with a financial institution server includes a communication device and a processor. The communication device is configured to provide communication transmission between a client terminal and a payee terminal. The processor is electrically connected with the communication device. The processor is configured to transmit a transaction information to the communication device when a payment application information from the client terminal is received through the communication device. The processor is configured to drive the financial institution server to make payment to the payee terminal based on a payment request information when a payment instruction is received through the communication device.

Description

payment collection system

This disclosure is about a payment collection system.

In recent years, electronic payment platforms have gradually become a bulk medium for young people to pay and receive payments, while older people who are not used to the operation of electronic payment platforms rely on trust services for payment. As the elderly population increases year by year, the demand for medical services increases, and the frequency of payment and collection between them and medical institutions also increases. However, trust payments often require cumbersome paper documents to complete, which are time-consuming and labor-intensive.

Therefore, how to propose a payment and collection system that can solve the above problems is one of the problems that the industry urgently wants to invest in research and development resources to solve.

In view of this, one objective of the present disclosure is to provide a payment and collection system that can solve the above problems.

The present disclosure relates to a payment and collection system connected with a financial institution server signal. The payment and collection system includes a communication device and a processor. The communication device is configured to provide communication transmission between the client and the payee. The processor is electrically connected with the communication device. The processor is configured to transmit the transaction information to the communication device when the payment application information of the client is received from the communication device. The processor is configured to drive the financial institution server to make payment to the payee based on the payment request information when the payment instruction is received from the communication device.

In some embodiments, the payment and collection system further includes a storage device electrically connected to the processor. The storage device includes a client database and a payee database, wherein the client database includes the client characteristics of the client, account information and a list of payees that can collect money, and the payee database includes the payee end features.

In some embodiments, the financial institution server has a binding relationship with the client and the payee, respectively. The processor is further configured to obtain permission to exchange payment and payment information about the client with the communication device when the client feature is received from the communication device, or obtain an exchange with the communication device when the payee feature is received from the communication device The right to pay and receive information about the payment terminal.

In some embodiments, the communication device further includes a client interface and a payment terminal interface. The client interface includes an input interface, a client receiving interface, and a selection interface. Enter the interface configuration to input the client characteristics or submit payment application information, where the client characteristics include the ID number, and the payment application information includes the name of the payee to be paid. The customer receiving interface is configured to receive payment information, wherein the payment information includes the name of the payee to be paid and the amount to be paid. Select the interface configuration to send payment instructions. The payment terminal interface includes a payment receiving interface, a return interface and a notification interface. The payment receiving interface is configured to receive transaction information, wherein the transaction information includes client characteristics and account information of the client. Return interface configuration to return request information. The notification interface is configured to send payment solicitation notifications.

In some embodiments, the processor is further configured to transmit the transaction information to the payee interface when the payee name to be paid in the payment application information matches one of the payee lists available for payment.

In some embodiments, the processor is further configured to transmit the request information to the client interface upon receipt of the request information.

In some implementations, the payment instruction is sent from the client to the communication device via the selection interface, or the client and the financial institution server define a list of payees that have agreed to pay in advance in the binding relationship, and the processor receives the payee When the payment request notice is sent, the name of the payee is compared with the list of payees that have agreed to pay in advance. If the comparison result is a match, a payment instruction is sent to the communication device.

In some embodiments, the client database further includes a list of payees that have agreed to pay in advance.

In some embodiments, the payee database further includes transaction details between the payee and the client.

In some embodiments, the processor is configured to exchange accounting files with the payee, compare the transaction details in the account file and the payee database, and generate a statistical table and send it to the financial institution when there is a discrepancy between the two. Mechanism server.

To sum up, compared with the current common payment and collection systems, the payment and collection system of the present disclosure enables the client to perform electronic payment through the binding relationship between the client and the financial institution server, compared with general electronic payment platforms. A more concise and easy-to-use system can increase the willingness of customers to use trust payments, while reducing the exchange of paper documents. In addition, through the binding relationship between the payment terminal and the server of the financial institution, the process of receiving payment and checking accounts at the payment terminal is simplified, and the processing efficiency of payment request, payment and administrative procedures is improved.

These and other aspects of the present disclosure will become apparent from the following description of the preferred embodiments taken in conjunction with the drawings, but which may be practiced without departing from the spirit and scope of the novel concepts of the present disclosure changes and modifications.

The following disclosure will now be described more fully herein with reference to the accompanying drawings, in which some exemplary embodiments are shown. The present disclosure may be embodied in different forms and should not be limited by the embodiments mentioned below. However, these embodiments are provided to assist in a more complete understanding of the present disclosure and to fully convey the scope of the present disclosure to those skilled in the art. The same reference numerals will be used throughout to refer to similar elements.

FIG. 1 is a schematic diagram illustrating a payment and collection system 1000 according to an embodiment of the present disclosure. Referring to FIG. 1 , a payment and collection system 1000 is signally connected to a financial institution server 2000 . For example, the payment and collection system 1000 of the present embodiment may be a mobile payment system connected with a signal of a financial institution server 2000 such as a bank server, but the present disclosure is not limited thereto. The payment and collection system 1000 includes a communication device 1200 and a processor 1300 . The communication device 1200 is configured to provide communication transmission between the client 3000 and the payee 4000 . The processor 1300 is electrically connected to the communication device 1200 . The processor 1300 is configured to transmit the transaction information to the communication device 1200 when the payment application information of the client terminal 3000 is received from the communication device 1200 . The processor 1300 is configured to drive the financial institution server 2000 to make payment to the payee 4000 based on the payment request information when receiving the payment instruction from the communication device 1200 . For example, the payment and collection system 1000 is used to provide trust payment to a designated medical institution by an elderly person who has signed a designated-purpose trust contract with a specific bank, but the disclosure is not limited thereto. Specifically, the payment and collection system 1000 can be used in any context of electronic payment based on trust deeds, so as to reduce the time spent in the exchange of paper documents.

In some embodiments, the payment collection system 1000 further includes a storage device 1100 . The storage device 1100 is electrically connected to the processor 1300 . The storage device 1100 includes a client database 1110 and a payee database 1120 . The client database 1110 includes the characteristics of the client 3000, account information, and a list of payees that can request money. For example, the client database 1110 includes the identity card number of the client 3000, the information of the special trust account, and the list of medical institutions that can request money from the bank with the consent of the client in the trust deed. The payee database 1120 contains the characteristics of the payee 4000 . For example, the characteristics of the payment terminal 4000 include the name or code of the payment terminal 4000 .

In some embodiments, the financial institution server 2000 has a binding relationship with the client 3000 and the payee 4000, respectively. The processor 1300 is further configured to obtain the authority to exchange payment and receipt information about the client 3000 with the communication device 1200 upon receiving the specified characteristic of the client 3000 from the communication device 1200 . Likewise, the processor 1300 is further configured to obtain the authority to exchange payment and payment information about the payment terminal 4000 with the communication device 1200 upon receiving the specified characteristics of the payment terminal 4000 from the communication device 1200 .

The communication device 1200 further includes a client interface 1210 and a payment end interface 1220 . The client interface 1210 includes an input interface 1211 , a client receiving interface 1212 and a selection interface 1213 . The input interface 1211 is configured for the client 3000 to input specified client characteristics or submit payment application information, wherein the client characteristics include the ID number, and the payment application information includes the name of the payee to be paid. The customer receiving interface 1212 is configured to receive payment information, wherein the payment information includes the name of the payee to be paid and the amount to be paid. The selection interface 1213 is configured to transmit payment instructions. The payment terminal interface 1220 includes a payment receiving interface 1221 , a return interface 1222 and a notification interface 1223 . The payment receiving interface 1221 is configured to receive transaction information, wherein the transaction information includes client characteristics and account information of the client terminal 3000 . The return interface 1222 is configured to return request information. The notification interface 1223 is configured to transmit payment notification.

In some embodiments, the processor 1300 is further configured to transmit the transaction information to the payee interface 1220 when the name of the payee to be paid in the payment application information matches one of the payee lists available for payment . In some embodiments, the processor 1300 is further configured to transmit the request information to the client interface 1210 upon receiving the request information.

Specifically, after the processor 1300 receives the specified characteristics (eg, ID number) input by the client 3000 via the input interface 1211 , the processor 1300 obtains the right to further receive the payment application submitted by the client 3000 from the input interface 1211 . News. When the name of the payee to be paid in the payment application information matches one of the payee lists available for payment, the processor 1300 reads the account information of the client 3000 from the client database 1110, which includes the client The transaction information of the ID number and account information of 3000 is sent to the payment receiving interface 1221 . When receiving the payment request information returned by the payment terminal 4000 via the return interface 1222 , the processor 1300 will transmit the payment request information to the customer receiving interface 1212 again. For example, the customer only needs to input the ID number and the medical institution to be paid in the client interface 1210 of the payment and collection system 1000, and then the application for trust payment can be activated, and the payment and collection system 1000 will provide the customer's ID number. and the account information to the medical institution, and the medical institution then returns the payment request information through the payment terminal interface 1220, indicating the fee to be paid by the customer and the payment deadline, and the payment request information will be sent by the system to the client interface 1210 for the customer to use. Do a second confirmation.

In some embodiments, the payment instruction is transmitted from the client 3000 to the communication device 1200 via the selection interface 1213, or the client 3000 and the financial institution server 2000 define a list of payees that have agreed to pay in advance in the binding relationship, and the processor 1300 compares the name of the payee 4000 with the list of payees that have agreed to pay in advance when receiving the payment request notice from the payee 4000 , and sends a payment instruction to the communication device 1200 if the comparison result is a match. In some implementations, the list of payees who have agreed to pay in advance is stored in the client database 1110, but the present disclosure is not limited thereto.

Specifically, after the client 3000 receives the payment request information from the client receiving interface 1212 and confirms that the information is correct, the client 3000 transmits the payment instruction through the selection interface 1213 . When the processor 1300 receives the payment instruction, the payment module 1310 of the processor 1300 transmits the payment instruction to the communication device 1200 to drive the financial institution server 2000 to make payment to the payee 4000 based on the payment information. For example, after receiving the payment request information and confirming that the information is correct, the customer selects the payment option on the interface, that is, the customer pays the medical institution from the trust account of the bank, but this disclosure is not limited to this.

Specifically, the payment terminal 4000 can transmit the payment request notification via the notification interface 1223 . When the processor 1300 receives the payment request notification from the payee 4000, the processor 1300 compares the name of the payee 4000 with the list of payees that have agreed to pay in advance. If the comparison result is a match, the payment module 1310 of the processor 1300 The payment instruction is sent to the communication device 1200 to drive the financial institution server 2000 to make payment to the payee 4000 based on the payment request information. For example, if the customer has indicated to the bank in advance that he agrees to the payment request from the designated medical institution through a paper or online application, when the designated medical institution sends the payment request notice to the system, the system will directly send the request from the customer's special trust account to the bank. This designated medical institution pays.

In some embodiments, the payee database 1120 further includes transaction details between the payee 4000 and the client 3000 . In some embodiments, the processor 1300 is configured to exchange accounting files with the payee 4000, and compare the accounting files with the transaction details in the payee database 1120, and when there is a discrepancy between the two, generate a statistical table and Sent to the financial institution server 2000. For example, the medical institution and the system exchange medical information with the electronic file API. The processor 1300 reads the electronic file and compares it with the transaction details of the client 3000 in the payee database 1120. If the amount does not match, an Excel statistical table will be generated and sent to the bank server to require the bank to perform manual comparison or correction. The system also provides bank account information for medical institutions to check accounts.

From the above detailed description of the specific implementations of the present disclosure, it can be clearly seen that, in the payment and collection system of the present disclosure, through the binding relationship between the client terminal and the server of the financial institution, the steps of enabling the client to perform electronic payment Compared with the general electronic payment platform, it is simpler and easier to use, which can improve the willingness of customers to use trust payment and reduce the exchange of paper documents. In addition, through the binding relationship between the payment terminal and the server of the financial institution, the process of receiving payment and checking accounts at the payment terminal is simplified, and the processing efficiency of payment request, payment and administrative procedures is improved.

The foregoing description is intended to illustrate and describe only exemplary embodiments of the present disclosure, and is not intended to be exhaustive or limited to the precise forms disclosed herein. The above teachings may be modified or varied.

The embodiments were chosen and described to explain the subject matter of the disclosure and their practical application in order to inspire others skilled in the art to utilize the disclosure and the various embodiments and make various modifications to suit the particular use contemplated. Alternative embodiments will be apparent to those skilled in the art to which this disclosure pertains without departing from the spirit and scope of this disclosure. Accordingly, the scope of the present disclosure is to be determined in accordance with the scope of the appended new application, rather than by the foregoing specification and the exemplary embodiments described therein.

1000: Payment collection system 1100: Storage Device 1110: Client Database 1120: Receipt database 1200: Communication device 1210: Client Interface 1211: Input interface 1212: Client receiving interface 1213: Selection interface 1220: Payment terminal interface 1221: Payment receiving interface 1222: Return interface 1223: Notification interface 1300: Processor 1310: Payment Module 2000: Financial Institution Servers 3000: Client 4000: the receiving end

The drawings illustrate one or more embodiments of the disclosure, and together with the written description serve to explain the principles of the disclosure. Wherever possible, the same drawing numbers are used throughout the drawings to refer to similar or identical elements of the embodiments, wherein: FIG. 1 is a schematic diagram illustrating a payment and collection system according to an embodiment of the present disclosure.

1000: Payment collection system

1100: Storage Device

1110: Client Database

1120: Receipt database

1200: Communication device

1210: Client Interface

1211: Input interface

1212: Client receiving interface

1213: Selection interface

1220: Payment terminal interface

1221: Payment receiving interface

1222: Return interface

1223: Notification interface

1300: Processor

1310: Payment Module

2000: Financial Institution Servers

3000: Client

4000: the receiving end

Claims (10)

A payment and collection system, signally connected to a financial institution server, the payment and collection system comprising: a communication device configured to provide communication transmission between a client and a payment end; and a processor electrically connected to the communication device, the processor is configured to: transmitting a transaction information to the communication device upon receiving a payment application information of the client terminal from the communication device; and When a payment instruction is received from the communication device, the financial institution server is driven to pay the payment terminal based on payment information. The payment and collection system according to claim 1, further comprising a storage device electrically connected to the processor, the storage device comprising a client database and a payee database, wherein the client database includes At least one client feature of the client, an account information and a list of payees that can be paid for, and the payee database includes at least one payee feature of the payee. The payment and collection system according to claim 2, wherein the financial institution server has a binding relationship with the client and the payment terminal respectively, and the processor is further configured to receive the at least one payment from the communication device. When the client is characterized, obtain the authority to exchange payment and collection information about the client with the communication device, or obtain the exchange information about the payment with the communication device when the at least one payee feature is received from the communication device The authority of the payment and receipt information of the terminal. The payment and collection system as claimed in claim 3, wherein the communication device further comprises: A client interface, including: an input interface configured to input the at least one client characteristic or submit the payment application information, wherein the at least one client characteristic includes an ID number, and the payment application information includes a name of a payee to be paid; a customer receiving interface configured to receive the payment request information, wherein the payment request information includes the name of the payee to be paid and an amount to be paid; and a selection interface configured to transmit the payment instruction; and A payment terminal interface, including: a payment receiving interface configured to receive the transaction information, wherein the transaction information includes the at least one client feature of the client and the account information; a return interface configured to return the request information; and A notification interface, configured to send a payment notification. The payment collection system of claim 4, wherein the processor is further configured to: when the name of the payee to be paid in the payment application information matches one of the payee lists that can be paid, Send the transaction information to the payment terminal interface. The payment collection system of claim 5, wherein the processor is further configured to transmit the payment request information to the client interface when receiving the payment request information. The payment collection system as claimed in claim 4, wherein the payment instruction is transmitted from the client to the communication device via the selection interface, or the client and the financial institution server define a prior agreement in the binding relationship The list of payees for payment. When the processor receives the payment request notice from the payee, the processor compares a name of the payee with the list of payees that have agreed to pay in advance. If the comparison result is a match , then the payment instruction is sent to the communication device. The payment and collection system as claimed in claim 7, wherein the client database further includes a list of the payment terminals that have agreed to pay in advance. The payment collection system according to claim 2, wherein the payment terminal database further includes a plurality of transaction details between the payment terminal and the client. The payment collection system of claim 9, wherein the processor is configured to exchange a plurality of accounting files with the payment terminal, and compare the accounting files with the transactions in the payment terminal database When there is a discrepancy between the details, a statistical table is generated and sent to the financial institution server.

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