TWM633231U - Multiple payment integration system - Google Patents

Abstract

A multi-payment integration system includes an integration service server and an acquiring database server. The integrated service server receives a transaction request generated by a user scanning a two-dimensional barcode provided by a physical store through a mobile device. The transaction request includes a store identification code corresponding to the physical store. The integration service server generates a transaction mode request including the store identification code according to the transaction request and sends it to the acquiring database server. The acquiring database server responds to the transaction mode request and provides a transaction mode corresponding to the store identification code to the integration service server. The integration service server presents multiple payment methods included in the transaction mode in a payment screen of the mobile device for selecting a payment method from the payment screen.

Description

Multi-payment integration system

The present invention relates to a multi-payment integration system, in particular to a multi-payment integration system for physical stores to provide multiple payment methods.

At present, there are various non-cash payment methods, especially with the popularization of smart phones (hereinafter referred to as mobile phones), mobile payment is also used by more and more people. If a physical store wants to provide non-cash payment methods, such as credit card payment, it must sign a contract with the bank to obtain a card reader. If it wants to provide mobile payment, such as ○○ payment, it must sign a contract with ○○ company to obtain an exclusive two-dimensional barcode (QR code ). Therefore, every time a physical store signs a contract with a mobile payment company, it will obtain the exclusive two-dimensional barcode of the mobile payment company, resulting in the cash register of the physical store being filled with exclusive two-dimensional barcodes of different mobile payment companies. Moreover, after the customer scans the QR code to pay with the mobile phone, the physical store has to log in to the background of the mobile payment APP selected by the customer through the computer to confirm the payment. In addition, for small businesses (such as night market vendors, non-chain motorcycle shops or other individual businesses), due to operating cost considerations, they cannot provide the same diversified non-cash payment methods as chain stores, so small businesses can only Customers are required to pay in cash or limited (for example, less than two) mobile payment methods are provided for customers to choose, so that customers' consumption methods are limited. Therefore, if a mobile payment system that integrates all non-cash payment methods can be provided, merchants do not have to sign with each mobile payment company to obtain a dedicated two-dimensional barcode, and customers can freely choose the mobile payment method they want to use. A subject worthy of study.

Therefore, the first purpose of the present invention is to provide a multi-payment integration system that allows customers to choose multiple payment methods when consuming in a physical store.

Therefore, the present invention provides a multi-payment integration system, which allows a physical store to provide multiple payment methods for a user to select a payment method through a mobile device for transaction. The multi-payment integration system includes an integration service server and an acquiring database server.

The integrated service server can communicate with the mobile device to receive a transaction request from the mobile device. The transaction request is generated by the mobile device after the mobile device scans the two-dimensional barcode provided by the physical store. The transaction request includes a store identification code corresponding to the physical store, a transaction amount and a transaction content.

The acquiring database server is capable of communicating with the integration service server, and stores a transaction pattern corresponding to the store identification code therein. This transaction mode includes multiple payment methods.

Wherein, the integration service server generates a transaction mode request including the store identification code according to the transaction request, and sends the transaction mode request to the acquiring database server. The acquiring database server responds to the transaction mode request and provides the transaction mode corresponding to the store identification code to the integration service server. The integration service server presents the payment methods included in the transaction mode provided by the acquiring database server in a payment screen of the mobile device for selecting a payment method from the payment screen.

In some implementation aspects, the acquiring database server also communicates with multiple mobile payment servers provided by multiple mobile payment operators, and the integrated service server transmits the payment method selected by the mobile device After sending to the acquiring database server, when the acquiring database server judges that the payment method selected by the mobile device is a mobile payment method, the acquiring database server generates a message containing the transaction amount and the transaction amount. The content payment request is sent to the mobile payment server corresponding to the mobile payment method, and the mobile payment server communicates with the mobile device according to the payment request to complete a payment operation.

In some implementations, after the integrated service server transmits the payment method selected by the mobile device to the acquiring database server, the acquiring database server determines the payment method selected by the mobile device When the payment method is a credit card payment method, the acquiring database server generates a payment request including the transaction amount and the transaction content to the integration service server, and the integration service server includes the transaction amount in the payment request And the transaction content is presented in a credit card payment screen of the mobile device, for inputting a credit card information from the credit card payment screen to complete a payment operation.

According to the second objective of the present invention, a multi-payment integration system is provided, which allows a physical store to provide multiple payment methods for a mobile device of a user to select a payment method for transaction. The multi-payment integration system includes a store server, an integration service server and an acquiring database server.

The store server is provided by the physical store and can communicate with the mobile device to receive a transaction request from the mobile device. The transaction request is generated by the mobile device after the mobile device scans the two-dimensional barcode provided by the physical store. The transaction request includes a store identification code corresponding to the physical store, a transaction amount and a transaction content.

The integrated service server can communicate with the mobile device and the store server to receive the transaction request of the mobile device from the store server. The acquiring database server, which can communicate with the integrated service server, and stores a transaction pattern corresponding to the store identification code, the transaction pattern includes multiple payment methods

Wherein, the integration service server generates a transaction mode request including the store identification code according to the transaction request, and sends the transaction mode request to the acquiring database server. The acquiring database server responds to the transaction mode request and provides the transaction mode corresponding to the store identification code to the integration service server. The integration service server presents the payment methods included in the transaction mode provided by the acquiring database server in a payment screen of the mobile device for selecting a payment method from the payment screen.

In some implementation aspects, the store server also stores the transaction request, and the transaction request further includes a code scanning time for checking accounts according to the scanning time.

In some implementation aspects, the acquiring database server also communicates with multiple mobile payment servers provided by multiple mobile payment operators, and the integrated service server transmits the payment method selected by the mobile device After sending to the acquiring database server, when the acquiring database server judges that the payment method selected by the mobile device is a mobile payment method, the acquiring database server generates a message containing the transaction amount and the transaction amount. The content payment request is sent to the mobile payment server corresponding to the mobile payment method, and the mobile payment server communicates with the mobile device according to the payment request to complete a payment operation.

In some implementations, after the integrated service server transmits the payment method selected by the mobile device to the acquiring database server, the acquiring database server determines the payment method selected by the mobile device When the payment method is a credit card payment method, the acquiring database server generates a payment request including the transaction amount and the transaction content to the integration service server, and the integration service server includes the transaction amount in the payment request And the transaction content is presented in a credit card payment screen of the mobile device, for inputting a credit card information from the credit card payment screen to complete a payment operation.

According to the third objective of the present invention, a multi-payment integration system is provided, which allows a physical store to provide multiple payment methods for a mobile device of a user to select a payment method for transaction. The multi-payment integration system includes a store server, an integration service server and an acquiring database server.

The store server is provided by the physical store and can communicate with the mobile device to receive a transaction request from the mobile device. The transaction request is generated by the mobile device after the mobile device scans the two-dimensional barcode provided by the physical store. The transaction request includes a store identification code corresponding to the physical store, a transaction amount and a transaction content, and the store server responds to the transaction request and presents the transaction amount and the transaction content included in the transaction request on the mobile device In a transaction confirmation screen, and after the transaction amount and the transaction content in the transaction confirmation screen are confirmed, the mobile device generates a transaction confirmation request to the store server. The transaction confirmation request includes the store identification code corresponding to the physical store, the transaction amount and the transaction content.

The integrated service server can communicate with the mobile device and the store server to receive the confirmation transaction request of the mobile device from the store server. The acquiring database server is capable of communicating with the integrated service server, and stores a transaction pattern corresponding to the store identification code, and the transaction pattern includes multiple payment methods.

Wherein, the integration service server generates a transaction mode request including the store identification code according to the confirmation transaction request, and sends the transaction mode request to the acquiring database server. The acquiring database server responds to the transaction mode request and provides the transaction mode corresponding to the store identification code to the integration service server. The integration service server presents the payment methods included in the transaction mode provided by the acquiring database server in a payment screen of the mobile device for selecting a payment method from the payment screen.

In some implementation aspects, the store server also stores the transaction request, and the transaction request further includes a code scanning time for checking accounts according to the scanning time.

In some implementation aspects, the store server also stores the confirmed transaction request for checking accounts.

In some implementation aspects, the acquiring database server also communicates with multiple mobile payment servers provided by multiple mobile payment operators, and the integrated service server transmits the payment method selected by the mobile device After sending to the acquiring database server, when the acquiring database server judges that the payment method selected by the mobile device is a mobile payment method, the acquiring database server generates a message containing the transaction amount and the transaction amount. The content payment request is sent to the mobile payment server corresponding to the mobile payment method, and the mobile payment server communicates with the mobile device according to the payment request to complete a payment operation.

In some implementations, after the integrated service server transmits the payment method selected by the mobile device to the acquiring database server, the acquiring database server determines the payment method selected by the mobile device When the payment method is a credit card payment method, the acquiring database server generates a payment request including the transaction amount and the transaction content to the integration service server, and the integration service server includes the transaction amount in the payment request And the transaction content is presented in a credit card payment screen of the mobile device, for inputting a credit card information from the credit card payment screen to complete a payment operation.

The effect of the new model is: the integrated service server generates the transaction mode request including the store identification code according to the transaction request, and the acquiring database server responds to the transaction mode request and provides the corresponding store identification code The transaction mode is given to the integrated service server, and the integrated service server presents the payment methods included in the transaction mode provided by the acquiring database server in the payment screen of the mobile device, for Selecting a payment method allows the user to choose multiple payment methods for payment when the physical store only provides a two-dimensional barcode.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are denoted by the same numerals.

Referring to FIG. 1 , it is a first embodiment of the new multi-payment integration system, which allows a physical store to provide multiple payment methods for a user to select a payment method through a mobile device 1 for transaction. The physical store is, for example, a small store (small-scale business operator) with a monthly turnover of less than 200,000 yuan, a mobile vendor, and other stores that cannot afford the cost of signing contracts with multiple mobile payment providers. The mobile device 1 is, for example, a smart phone or a tablet computer. The multiple payment integration system includes an integration service server 2 and an acquiring database server 3 . Either one of the integrated service server 2 and the acquiring database server 3 is, for example, one or more computer servers or other similar computer equipment, and at least includes one or more processors, multiple memories and a communication unit (such as a network card or a wireless communication module).

The integrated service server 2 can communicate with the mobile device 1 to receive a transaction request from the mobile device 1 . The transaction request is generated by the mobile device 1 after scanning the two-dimensional barcode provided by the physical store. For example, the physical store applies to the bank in advance to obtain a store identification code and stores it in a computer device (not shown in the figure) of the physical store. After a transaction content and a transaction amount are determined, the computer device will The transaction amount and the store identification code generate a two-dimensional barcode for the mobile device 1 to scan. The mobile device 1 scans the two-dimensional barcode and decodes the two-dimensional barcode to obtain the store identification code, the transaction content and the transaction amount, and generates the transaction request according to the store identification code, the transaction content and the transaction amount. The store identification code is, for example, the English abbreviation of the physical store name plus a serial number. For example, if a customer A buys a motorcycle with a price of 50,000 yuan in a motorcycle shop, the computer device of the motorcycle shop generates and provides The two-dimensional barcode is for the customer A to scan the code through the mobile device 1 . After the customer A scans the two-dimensional barcode through the mobile device 1, the mobile device 1 generates the transaction request. Therefore, the transaction request includes the store identification code corresponding to the motorcycle dealer (for example, LMS001), the transaction amount (50,000 yuan) and the transaction content (for example, a motorcycle of the ○○ model of the ○○ brand, order number).

The acquiring database server 3 is capable of communicating with the integrated service server 2, and stores a transaction pattern corresponding to the store identification code therein, and the transaction pattern includes multiple payment methods. Following the aforementioned example, the transaction mode corresponding to the store identification code includes payment methods such as credit card payment, Jiekou payment, LINE PAY, Yoyo payment, and Taiwan mobile payment (Taiwan PAY), but is not limited thereto. It should be noted that when a store applies for using this new multi-payment integration system, it can choose which payment methods to provide. such payment methods.

The integration service server 2 generates a transaction mode request including the store identification code according to the transaction request, and sends the transaction mode request to the acquiring database server 3 . The acquiring database server 3 responds to the transaction mode request and provides the transaction mode corresponding to the store ID to the integrated service server 2 . The integration service server 2 presents the payment methods included in the transaction mode provided by the acquiring database server 3 on a payment screen of the mobile device 1 for selecting a payment method from the payment screen. Following the aforementioned example, the customer A can see the payment methods (credit card payment, Jiekou payment, online payment, EasyPay, Taiwan mobile payment) provided by the motorcycle dealer from the payment screen of the mobile device 1, And you can choose a payment method from these payment methods.

The acquiring database server 3 also communicates with multiple mobile payment servers 4 provided by multiple mobile payment operators, and the integrated service server 2 transmits the payment method selected by the mobile device 1 to the acquiring data After the database server 3, when the acquiring database server 3 determines that the payment method selected by the mobile device 1 is a mobile payment method, the acquiring database server 3 generates a message containing the transaction amount and the transaction content The mobile payment request is sent to the mobile payment server 4 corresponding to the mobile payment method, and the mobile payment server 4 communicates with the mobile device 1 according to the payment request to complete a payment operation. Following the aforementioned example, when the customer A selects Youyoupay through the payment screen of the mobile device 1, the payment screen of the mobile device 1 will jump to the payment screen of the Youyoupay APP, and after verification procedures (for example, input payment password , face scan verification or fingerprint verification) to complete the payment operation.

In other embodiments, after the integrated service server 2 transmits the payment method selected by the mobile device 1 to the acquiring database server 3, the acquiring database server 3 judges that the mobile device selects When the payment method is a credit card payment method, the acquiring database server 3 generates a payment request including the transaction amount and the transaction content to the integration service server 2, and the integration service server 2 sends the payment The transaction amount and the transaction content included in the request are presented in a credit card payment screen of the mobile device 1 for the user of the mobile device 1 to input a credit card information from the credit card payment screen to complete a payment operation. The credit card information is, for example, a credit card number, a credit card expiry date, and a credit card security code. It should be noted that when the store applies for this credit card payment method, it can also choose whether to provide installment payment, bonus point discount or a specific card issuing bank. Following the foregoing example, when the customer A selects credit card payment through the payment screen of the mobile device 1, the payment screen of the mobile device 1 will jump to the credit card payment screen and undergo a verification procedure (for example, OTP or 3D verification) ) to complete the payment job.

Below, referring to FIG. 2 , it is a second embodiment of the multi-payment integration system of the present invention. The difference between this embodiment and the first embodiment is that the multi-payment integration system of this embodiment also includes a store server 5 . The store server 5 is, for example, one or more computer servers or other similar computer equipment, and at least includes one or more processors, multiple memories and a communication unit (such as a network card or a wireless communication module) . The store server 5 is provided by the physical store and can communicate with the mobile device 1 to receive the transaction request from the mobile device 1 . The transaction request is generated by the mobile device 1 after scanning the two-dimensional barcode provided by the physical store. The transaction request includes the store identification code corresponding to the physical store, the transaction amount, the transaction content and a scanning time. The store server 5 also stores the transaction request, so that the physical store can check the account according to the scanning time in the transaction request. That is, following the example in the first embodiment, the motorcycle shop is also provided with the store server 5 . After the customer A scans the two-dimensional barcode through the mobile device 1, the transaction request generated will be stored in the store server 5 for the owner or accountant of the motorcycle shop to check the account according to the scanning time head. It should be noted that even if the customer A does not complete the payment operation in the end, the store server 5 still stores the transaction generated by the mobile device 1 when the customer A scans the two-dimensional barcode through the mobile device 1 ask.

The integrated service server 2 can communicate with the mobile device 1 and the store server 5 to receive the transaction request of the mobile device 1 from the store server 5 . Afterwards, subsequent processes between the integrated service server 2 , the acquiring database server 3 and the mobile device 1 are similar to the first embodiment, and thus will not be repeated here.

Below, referring to FIG. 3 , it is a third embodiment of the multi-payment integration system of the present invention. The difference between it and the second embodiment is that after the store server 5 receives the transaction request generated by the mobile device 1, The store server 5 responds to the transaction request and presents the transaction amount and the transaction content included in the transaction request in a transaction confirmation screen of the mobile device 1, that is to say, compared with the second embodiment, the The store server 5 also provides the transaction confirmation screen to the user of the mobile device 1 for further confirmation. After the transaction amount and the transaction content in the transaction confirmation screen are confirmed by the user, the mobile device 1 will generate a transaction confirmation request to the store server 5 . The transaction confirmation request includes the store identification code corresponding to the physical store, the transaction amount and the transaction content. It should be noted that the transaction amount in the transaction confirmation screen can be modified, or it can be fixed and cannot be modified. That is, following the example in the second embodiment, the customer A can confirm whether the transaction amount and the transaction content in the transaction confirmation screen are correct through the mobile device 1 . When the transaction amount is wrong, and the transaction confirmation screen provides an amount modification function, the customer A can directly modify the transaction amount. The store server 5 also stores the confirmation transaction request for checking the accounts of the owner or accountant of the motorcycle shop.

The integrated service server 2 can communicate with the mobile device 1 and the store server 5 to receive the transaction confirmation request of the mobile device 1 transmitted from the store server 5 . Afterwards, the follow-up process between the integrated service server 2, the acquiring database server 3 and the mobile device 1 is similar to the first embodiment, so it will not be repeated here.

To sum up, the above-mentioned embodiment enables small physical merchants to provide as diverse payment methods as large shopping websites through the multi-payment integration system only by providing a two-dimensional barcode, and customers can use non-cash methods Pay for purchases at that brick-and-mortar store. Therefore, can really reach the purpose and effect of this novel.

But the above-mentioned ones are only embodiments of the present invention, and should not limit the scope of implementation of the present invention with this. All simple equivalent changes and modifications made according to the patent scope of the present application and the content of the patent specification are still within the scope of the present invention. Within the scope covered by this patent.

1:Mobile device 2: Integrated service server 3:Acquiring database server 4:Mobile payment server 5: Store server

Other features and functions of the present invention will be clearly presented in the implementation manner with reference to the drawings, wherein: Fig. 1 is a block diagram illustrating a first embodiment of the novel multi-payment integration system; Fig. 2 is a block diagram illustrating a second embodiment of the novel multi-payment integration system; and FIG. 3 is a block diagram illustrating a third embodiment of the multi-payment integration system of the present invention.

1:Mobile device

2: Integrated service server

3:Acquiring database server

4:Mobile payment server

Claims (12)

A multi-payment integration system allows a physical store to provide multiple payment methods for a user to select a payment method through a mobile device for transaction; the multi-payment integration system includes: An integrated service server capable of communicating with the mobile device to receive a transaction request from the mobile device, the transaction request is generated by the mobile device after the mobile device scans the two-dimensional barcode provided by the physical store , the transaction request includes a store identification code corresponding to the physical store, a transaction amount and a transaction content; and An acquiring database server, which can communicate with the integrated service server, and stores a transaction pattern corresponding to the store identification code, the transaction pattern includes multiple payment methods; Wherein, the integration service server generates a transaction mode request including the store identification code according to the transaction request, and sends the transaction mode request to the acquiring database server; The acquiring database server responds to the transaction mode request and provides the transaction mode corresponding to the store identification code to the integrated service server; The integration service server presents the payment methods included in the transaction mode provided by the acquiring database server in a payment screen of the mobile device for selecting a payment method from the payment screen. The multi-payment integration system as described in Claim 1, wherein, the acquiring database server also communicates with multiple mobile payment servers provided by multiple mobile payment operators, and the integrated service server selects the mobile device After the payment method is sent to the acquiring database server, when the acquiring database server judges that the payment method selected by the mobile device is a mobile payment method, the acquiring database server generates a message containing the A payment request for the transaction amount and the transaction content is sent to the mobile payment server corresponding to the mobile payment method, and the mobile payment server communicates with the mobile device according to the payment request to complete a payment operation. The multi-payment integration system as described in Claim 1, wherein, after the integration service server sends the payment method selected by the mobile device to the acquiring database server, the acquiring database server judges that the action When the payment method selected by the device is a credit card payment method, the acquiring database server generates a payment request including the transaction amount and the transaction content to the integration service server, and the integration service server sends the payment request The included transaction amount and the transaction content are presented in a credit card payment screen of the mobile device, for inputting a credit card information from the credit card payment screen to complete a payment operation. A multi-payment integration system allows a physical store to provide multiple payment methods for a mobile device of a user to choose a payment method for transaction; the multi-payment integration system includes: A store server provided by the physical store and capable of communicating with the mobile device to receive a transaction request from the mobile device. The transaction request is sent by the mobile device after scanning the two-dimensional barcode provided by the physical store. Generated by the mobile device, the transaction request includes a store identification code corresponding to the physical store, a transaction amount and a transaction content; an integrated service server capable of communicating with the mobile device and the store server to receive the transaction request of the mobile device from the store server; and An acquiring database server, which can communicate with the integrated service server, and stores a transaction pattern corresponding to the store identification code, the transaction pattern includes multiple payment methods; Wherein, the integration service server generates a transaction mode request including the store identification code according to the transaction request, and sends the transaction mode request to the acquiring database server; The acquiring database server responds to the transaction mode request and provides the transaction mode corresponding to the store identification code to the integrated service server; The integration service server presents the payment methods included in the transaction mode provided by the acquiring database server in a payment screen of the mobile device for selecting a payment method from the payment screen. The multi-payment integration system as described in Claim 4, wherein the store server also stores the transaction request, and the transaction request also includes a code scanning time for checking accounts according to the code scanning time. The multi-payment integration system as described in claim 4, wherein, the acquiring database server also communicates with multiple mobile payment servers provided by multiple mobile payment operators, and the integrated service server selects the mobile device After the payment method is sent to the acquiring database server, when the acquiring database server judges that the payment method selected by the mobile device is a mobile payment method, the acquiring database server generates a message containing the A payment request for the transaction amount and the transaction content is sent to the mobile payment server corresponding to the mobile payment method, and the mobile payment server communicates with the mobile device according to the payment request to complete a payment operation. The multi-payment integration system as described in claim 4, wherein, after the integration service server sends the payment method selected by the mobile device to the acquiring database server, the acquiring database server judges that the action When the payment method selected by the device is a credit card payment method, the acquiring database server generates a payment request including the transaction amount and the transaction content to the integration service server, and the integration service server sends the payment request The included transaction amount and the transaction content are presented in a credit card payment screen of the mobile device, for inputting a credit card information from the credit card payment screen to complete a payment operation. A multi-payment integration system allows a physical store to provide multiple payment methods for a mobile device of a user to choose a payment method for transaction; the multi-payment integration system includes: A store server provided by the physical store and capable of communicating with the mobile device to receive a transaction request from the mobile device. The transaction request is sent by the mobile device after scanning the two-dimensional barcode provided by the physical store. Generated by a mobile device, the transaction request includes a store identification code, a transaction amount, and a transaction content corresponding to the physical store, and the store server responds to the transaction request with the transaction amount and the transaction content included in the transaction request Presented in a transaction confirmation screen of the mobile device, and after the transaction amount and the transaction content in the transaction confirmation screen are confirmed, the mobile device generates a confirmation transaction request to the store server, and the confirmation transaction request includes the The store identification code of the physical store, the transaction amount and the transaction content; an integrated service server capable of communicating with the mobile device and the store server to receive the transaction confirmation request of the mobile device from the store server; and An acquiring database server, which can communicate with the integrated service server, and stores a transaction pattern corresponding to the store identification code, the transaction pattern includes multiple payment methods; Wherein, the integration service server generates a transaction mode request including the store identification code according to the confirmation transaction request, and sends the transaction mode request to the acquiring database server; The acquiring database server responds to the transaction mode request and provides the transaction mode corresponding to the store identification code to the integrated service server; The integration service server presents the payment methods included in the transaction mode provided by the acquiring database server in a payment screen of the mobile device for selecting a payment method from the payment screen. The multi-payment integration system as described in Claim 8, wherein the store server also stores the transaction request, and the transaction request also includes a code scanning time for checking accounts according to the code scanning time. In the multi-payment integration system as described in Claim 8, wherein, the store server also stores the confirmed transaction request for checking accounts. The multi-payment integration system as described in Claim 8, wherein, the acquiring database server also communicates with multiple mobile payment servers provided by multiple mobile payment operators, and the integrated service server selects the mobile device After the payment method is sent to the acquiring database server, when the acquiring database server judges that the payment method selected by the mobile device is a mobile payment method, the acquiring database server generates a message containing the A payment request for the transaction amount and the transaction content is sent to the mobile payment server corresponding to the mobile payment method, and the mobile payment server communicates with the mobile device according to the payment request to complete a payment operation. The multi-payment integration system as described in Claim 8, wherein, after the integration service server sends the payment method selected by the mobile device to the acquiring database server, the acquiring database server judges that the action When the payment method selected by the device is a credit card payment method, the acquiring database server generates a payment request including the transaction amount and the transaction content to the integration service server, and the integration service server sends the payment request The included transaction amount and the transaction content are presented in a credit card payment screen of the mobile device, for inputting a credit card information from the credit card payment screen to complete a payment operation.

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