TWM635602U - Stored value verification system - Google Patents

Abstract

The invention discloses a stored value verification system, which includes a consumer device, a store device and a verification device. The consumer device generates order information and contact information. The store-side device receives order information and contact information, the store-side device sends a verification request including verification conditions to the consumer-side device, and the consumer-side device receives the verification request and inputs verification information according to the verification conditions. The verification terminal device receives the order information, contact information and verification conditions from the store device, and receives the verification information from the consumer device, and confirms that the verification information meets the verification conditions, and then queries the account information of the corresponding stored value account according to the contact information, and provides The order information and account information are sent to the bank, and the bank deducts money from the stored value account based on the order information and account information. Applying this creation, the store side can use the stored value deduction method for consumption payment, and the verification side can verify the payment, so as to achieve the effect of adding multiple payment methods.

Description

Stored Value Verification System

This creation is about a verification system, especially about a stored value verification system that debits a stored value account after the verification terminal verifies the consumer.

As we all know, with the rapid development of science and technology and the development of the Internet, the consumption habits of the public have also changed. Taking the consumer payment model as an example, instead of the previous cash payment, it has gradually turned to electronic payment.

However, as consumption habits change, stores are also affected. For example, stores need to add corresponding equipment to cope with electronic payment operations, and employees need to undergo relevant operation training. It has the ability to meet the conditions and execution of the payment method, and the operating cost will also increase accordingly.

In view of this, it is urgent to focus on the existing consumption habits, so as to effectively overcome the defect of increasing operating costs of stores on the basis of satisfying the current payment methods.

In order to solve the above-mentioned technical problems, this creation provides a stored value verification system, which overcomes the above-mentioned defects in the prior art through improvement.

The stored value verification system provided by this creation includes a consumer device, a store device and a verification device. The consumer device generates order information and contact information. The store-side device is electrically connected to the consumer-side device to receive order information and contact information, and the store-side device sends including verification conditions The verification request is sent to the consumer device, and the consumer device receives the verification request and inputs verification information according to the verification conditions. The verification terminal device is electrically connected to the consumer terminal device and the store terminal device, and the store terminal device receives the order information, contact information and verification conditions, and the consumer device receives the verification information, and confirms that the verification information meets the verification conditions, and then queries based on the contact information Account information of the corresponding stored-value account, and provide order information and account information to the bank, and the bank will deduct money from the stored-value account based on the order information and account information.

Preferably, the order information may include product name, product quantity, product amount or a combination thereof.

Preferably, the contact information may be email address, mobile phone number, communication software identity code or a combination thereof.

Preferably, the consumer device receives the verification request and displays a verification interface correspondingly. The verification interface may have a verification area, and the consumer device inputs verification information in the verification area.

Preferably, the verification condition can be a verification code, and the verification information is the content of the verification code.

Preferably, the verification condition can be an operation instruction to the verification object in the verification area, and the verification information is at least one selection signal input to the verification object corresponding to the operation instruction.

Preferably, the verifier device can determine whether the stored value balance in the account information is less than the amount of the order information, and send a stored value request to the consumer device corresponding to the stored value balance being less than the amount of the order information.

Based on the above, in the stored value verification system of this creation, the store side can verify the consumer side through the verification device and carry out the deduction operation of the stored value account, so that the store side does not need to handle the stored value business and verify the deduction operation by itself , so as to achieve the effect of reducing the operating cost of the store.

1: stored value verification system

101: Verification interface

102: Verification area

103: Verification picture

110: consumer device

120: Store terminal device

130: Verification device

200: bank terminal

Fig. 1 is the block diagram of the stored value verification system of this creation.

Fig. 2 is the first schematic diagram of the verification interface of the stored value verification system of the present invention.

Fig. 3 is the second schematic diagram of the verification interface of the stored value verification system of the present invention.

In order to enable those skilled in the art to better understand the technical features of the invention, the invention will be further described in detail below in conjunction with the drawings and embodiments.

Please refer to FIG. 1 , the stored value verification system 1 of the present invention includes a consumer device 110 , a store device 120 and a verification device 130 . The consumer device 110 is electrically connected to the merchant device 120 , and the verification device 130 is connected to the consumer device 110 and the verification device 130 .

In other words, the consumer device 110 is used for correspondingly generating order information and contact information when the consumer orders goods from the store. Wherein, the order information may include product name, product quantity, product amount or a combination thereof; the contact information may be an email address, mobile phone number, communication software identity code or a combination thereof.

The store-side device 120 is used to receive the order information and contact information provided by the consumer-side device 110. The store-side device 120 will correspondingly return a verification request including verification conditions to the consumer-side device 110. After the consumer-side device 110 receives the verification request, That is to enter the verification procedure of stored value deduction and need to input verification information according to the verification conditions.

After the verification terminal device 130 receives the order information, contact information and verification conditions from the store device 120, the consumer device 110 receives the verification information, confirms that the verification information meets the verification conditions, and checks the corresponding stored value deduction based on the contact information. The account information of the payment consumer and its stored value account, and then provide the order information and account information to the bank terminal 200, so that the bank terminal 200 According to the order information and account information, the stored value account of the consumer is debited. After the bank terminal 200 deducts the payment according to the payment behavior of the consumer terminal, it will allocate the due payment to the store terminal according to the appropriation procedure, and the relevant appropriation procedures will not be limited or described here.

For example, when the consumer end places an order with the merchant end, the consumer end device 110 will generate corresponding order information and contact information and send them to the merchant end device 120. Contact information, and send a verification request (hereinafter, SMS as an example) to the consumer device 110 according to the contact information (hereinafter, a mobile phone number is used as an example).

Then, the consumer opens the SMS through the consumer device 110 for subsequent verification operations, and inputs verification information according to verification conditions.

Finally, the verification device 130 will compare the verification information provided by the consumer device 110 according to the verification conditions provided by the store device 120. If the verification is successful, the verification information of the consumer will be confirmed according to the contact information of the consumer provided by the store device 120. Stored value account and its account information, and provide order information and account information to the bank terminal 200, because each consumer will set up a stored value account at the bank terminal 200, and then when the bank terminal 200 receives the account information, it can obtain Know which stored-value account at the consumer end will be deducted, and know the amount of payment deduction based on the order information, so as to perform the action of payment deduction. Preferably, the bank terminal 200 can provide a stored value balance for the verification terminal device 130 to record. The above is just an example, not a limitation.

Furthermore, after the consumer device 110 receives the verification request, it will display the verification interface 101 accordingly. The verification interface 101 can be displayed after the order interface is operated, or it can be displayed after clicking the link in the verification request. Here Not limited. Wherein, the verification interface 101 may have a verification area 102 for the consumer device to input verification information in the verification area 102 .

For example, as shown in Figure 2, the verification condition can be a verification code, and the verification information can be For the content of the verification code, the consumer can input the content of the verification code (such as 9453) in the verification area 102 through the consumer device 110 as verification information, and send it to the verification device 130 for verification and subsequent payment deduction operations.

On the other hand, as shown in FIG. 3 , the verification condition can be an operation instruction to the verification target in the verification area 102, for example, there is a verification picture 103 in the verification area 102, and a specified position in the verification picture 103 needs to be clicked (such as point Select the word "Liao" in the figure) to generate correct verification information. At this time, the verification information is at least one selection signal corresponding to the input of the operation instruction in the verification target. However, the above are examples only and are not limited thereto.

Based on the above, the bank terminal 200 can provide the stored value balance for the verification terminal device 130 to record, or the verification terminal device 130 can query the bank terminal 200 for the stored value balance of the stored value account of the consumption terminal, and then the verification terminal device 130 can determine whether the account information is Whether the stored value balance is less than the amount of the order information, and corresponding to the situation that the stored value balance is less than the amount of the order information, send a stored value request to the consumer device 110, and wait until the stored value balance of the consumer is sufficient to pay the amount of the store order information. Able to perform follow-up payment deduction operations.

Based on the above, in the stored value verification system 1 of this creation, the store side can verify the consumer side through the verification device 130 and carry out the deduction operation of the stored value account, and then the store side does not need to handle the stored value business and its verification deduction. In order to achieve the effect of reducing the operating cost of the store; in addition, since stored value verification is required, the consumer device 110 must provide correct contact information, thereby reducing the risk of abandoning the order at the consumer and protecting the rights and interests of the store. effect.

The above are only the preferred implementation modes of this creation. It should be pointed out that for those with ordinary knowledge in the technical field, without departing from the principle of this creation, some improvements and modifications can be made, and these improvements and modifications should also be It is regarded as the scope of protection of this creation.

1: stored value verification system

110: consumer device

120: Store terminal device

130: Verification device

200: bank terminal

Claims (7)

A stored value verification system comprising: A consumer device that generates an order information and a contact information; A shop-side device is electrically connected to the consumer-side device to receive the order information and the contact information, the shop-side device sends a verification request including a verification condition to the consumer-side device, and the consumer-side device receives the verification request, and input a verification information according to the verification condition; and A verification terminal device is electrically connected to the consumer terminal device and the store terminal device, and the store terminal device receives the order information, the contact information and the verification conditions, and the consumer terminal device receives the verification information and confirms The verification information meets the verification conditions, and then query the account information of a corresponding stored value account according to the contact information, and provide the order information and the account information to a bank terminal, which is based on the order information and the account The information debits the stored value account. The stored value verification system as described in Claim 1, wherein the order information includes product name, product quantity, product amount or a combination thereof. The stored value verification system as described in Claim 1, wherein the contact information is an email address, a mobile phone number, a communication software identity code or a combination thereof. The stored value verification system as described in Claim 1, wherein the consumer device receives the verification request and displays a verification interface correspondingly, the verification interface has a verification area, and the consumer device inputs the verification in the verification area Information. The stored value verification system as described in Claim 4, wherein the verification condition is a verification code, and the verification information is the content of the verification code. The stored value verification system as described in Claim 4, wherein the verification condition is an operation instruction for a verification object in the verification area, and the verification information is at least one selection corresponding to the operation instruction input on the verification object signal. The stored value verification system as described in Claim 1, wherein the verification terminal device judges whether a stored value balance in the account information is less than the amount of the order information, and sends a message corresponding to the stored value balance being less than the amount of the order information The stored value is requested to the consumer device.

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