TWM636023U - Group purchase payment management system - Google Patents

Abstract

A group purchase payment management system, a group of main-end electronic devices provide a group purchase list to an online bank server, the group purchase list includes a total amount payable by a purchaser of a group purchase item, a preset payment period and a collection account number, The electronic device at the group master terminal sends a payment notice to the purchaser's electronic device at the purchaser's end, so that the purchaser can make payment according to the payment notice, and the online banking server will receive at least one payment information related to the receiving account number, the at least A payment information includes a payment account number and a payment amount. When the preset payment period expires, the online banking server determines which of the purchasers should be based on the total amount payable by the purchaser in the group purchase list and the at least one payment information When there is still someone who has not paid, send a purchaser's unfinished payment notification to the electronic device at the group leader's end.

Description

Group purchase payment management system

The present invention relates to a group purchase management system, in particular to a group purchase payment management system.

The current group buying tool is mainly used to record the group buying items, account sharing methods and payment information, but when some of the joint venture purchasers forget to pay within the payment deadline, the group buying cannot be opened smoothly. Therefore, it is necessary to develop a group purchase payment management system to assist the group purchase owner to automatically notify or remind the purchaser of the group purchase joint venture to complete the payment within the payment period, so as to ensure that the group purchase can be opened smoothly.

Therefore, the purpose of this model is to provide a group purchase payment management system that assists the group purchase owner to automatically notify or remind the purchaser of the group purchase joint venture to complete the payment within the time limit.

Therefore, a group purchase payment management system of the present invention can communicate with multiple purchaser electronic devices corresponding to multiple purchasers through the network, and includes a group master terminal electronic device capable of communicating through the network and a network The bank server is used to manage the payment status of the purchaser; wherein, the electronic device at the main end of the group provides a list of group purchases to the network Road bank server, the group purchase list includes a total amount payable by a purchaser of a group purchase item, a preset payment period, and a collection account corresponding to the group purchase item; and the electronic device at the main end of the group sends a payment notification to each The purchaser's electronic device at the purchase end enables each purchaser to make payment according to the payment notice, which includes the name of the group purchase owner, the group purchase item, an amount payable, the collection account number and the default payment period, And the online banking server will receive at least one piece of payment information related to the receiving account after at least one purchaser pays, the at least one payment information includes a payment account number and a payment amount; the online banking server When the default payment period expires, according to the total amount payable by the purchaser in the group buying list and the at least one payment information, when it is judged that one of the purchasers has not paid, send a purchaser's unfinished payment notification to The regiment's main-end electronics.

In some implementations of the present invention, the main-end electronic device of the group executes an application program installed therein, and the application program will automatically obtain and display an address book stored in the main-end electronic device of the group for The group-buying owner selects the buyers, and the application automatically obtains a personal information and a communication information of each selected buyer from the address book, and will include the personal information and the payable information of each buyer. A purchase data of the amount is included in the group purchase list; and the application program of the group master electronic device sends the payment notification to the purchase electronic device of each purchaser according to the communication data of each purchaser.

In some implementations of the invention, the application is also based on the selected obtain the personal data of each purchaser, automatically obtain at least one bank account number of each purchaser from a third-party service provider server, and include the at least one bank account number and the communication information of each purchaser in In the purchase information of each of the purchasers in the group purchase list, the group purchase list is provided to the online banking server; and the online banking server At least one bank account number and the payment account number included in the at least one payment information related to the receiving account number, and when it is found that any of the purchasers has not paid, the online banking server will also use the unpaid purchase account The communication data of the person sends a reminder payment notification to the purchaser’s electronic device of the purchaser who has not yet paid, and the purchaser’s pending payment notification sent by the online banking server to the group’s main-end electronic device also includes List of unpaid purchasers.

In some implementations of the present invention, the main-end electronic device of the group connects with the online banking server by logging into a website provided by the online banking server, and enters the group buying item, The total amount payable by the purchaser of the group purchase item, the default payment term and the collection account number corresponding to the group purchase item to generate the group purchase list and provide the group purchase list to the online bank server; and the group owner The terminal electronic device sends the payment notification to the purchaser's electronic device according to the input communication data of each purchaser.

In some implementation aspects of the present invention, the above-mentioned electronic device at the master end of the group also obtains a personal information of each purchaser from an address book stored therein, and According to the personal data of each purchaser, at least one bank account number of each purchaser is automatically obtained from a third-party service provider server, and the personal data of each purchaser, the amount payable, the at least one bank account The account number and the communication information are included in the purchase information of each purchaser in the group purchase list, and then provide the group purchase list to the online banking server; and the online banking server The at least one bank account number included in the purchase data and the payment account number included in the at least one payment information related to the payment account number, when the check finds that any of the purchasers has not paid, the online banking server Also send a reminder payment notification to the purchaser's electronic device of the purchaser who has not paid according to the communication data of the purchaser who has not yet paid, and the online banking server sends it to the purchaser of the group's main electronic device The outstanding payment notice also includes a list of buyers who have not yet paid.

In some implementations of the present invention, when the online banking server determines that all the buyers have paid within the preset payment period, it sends a payment notification to the main terminal electronic device of the group.

In some implementations of the present invention, the electronic device at the main end of the group can also send a cancellation notice related to the group purchase item to the online bank server and the electronic devices at the purchase end, and the online bank server After the server receives the cancellation notice of the group purchase, it returns the payment amount to the payment account according to the payment account number and the payment amount included in the at least one payment information.

The effect of this new model is: to provide the group purchase list to the online banking server, so that the online banking server can determine whether any of the purchasers has not yet pre-ordered according to the total amount payable by the purchaser in the group purchase list and the at least one payment information Set up the payment within the time limit, and send the purchaser's unfinished payment notification to the group's main terminal electronic device in time to assist the group purchase owner to remind the purchaser of the group purchase joint venture to complete the payment within the payment period; and the online banking server can further According to the at least one bank account number of each purchaser in the group purchase list and the payment account number included in the at least one payment information related to the receiving account number, it is found that one of the purchasers has not yet reached the preset time limit When paying, send a reminder payment notification to the electronic device of the purchaser who has not yet paid in time to remind the purchaser who has not paid to pay as soon as possible, so as to assist the group purchase owner to start the group smoothly before the group purchase period expires.

100: Group purchase payment management system

1: Electronic device A at the purchase end, electronic device B at the purchase end

2: Internet Banking Server

3: The electronic device of the group master

4: Third-party service provider server

S1~S7: steps

Other features and effects of the present invention will be clearly shown in the implementation manner with reference to the drawings, wherein: Fig. 1 is a block diagram of the main hardware device included in an embodiment of the new group purchase payment management system; and Fig. 2 is This embodiment executes the main process steps of group purchase payment management.

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 shown in Fig. 1, it is an implementation of the novel group purchase payment management system For example, it can communicate with multiple purchaser electronic devices 1 corresponding to a plurality of purchasers through a network (such as the Internet) (FIG. Device B (for example) communicates to manage the payment status of the purchaser. The group purchase payment management system 100 of the present embodiment mainly includes an online bank server 2 provided by a financial company and a group purchase owner (group purchase owner) The group host terminal electronic device 3 of a person) can communicate with the online bank server 2 through a network (such as the Internet) to execute the group purchase payment management process as shown in FIG. 2 .

First, before carrying out the group purchase payment management process shown in Figure 2, the group purchase owner sets up a group purchase project that needs to raise funds, such as group purchase of one or some commodities, group purchase of a certain travel itinerary, subscription of one or some entity or network Road information media, etc., and after a sufficient number of purchasers (or joint venture partners, such as the above-mentioned purchaser A and purchaser B) are invited, these purchasers (purchaser A and purchaser B) are required to pay in advance , so that after the group purchase owner has received enough money, he will pay to the operator who provides the group purchase item within the group purchase period.

Therefore, in order to receive the payables of all purchasers (for example, purchaser A and purchaser B) within the group purchase period, if the group master terminal electronic device 3 used by the group purchase owner is a smart phone, the group purchase owner can make the group purchase The main-end electronic device 3 executes an application program (mobile APP) pre-installed therein, makes it execute step S1 shown in FIG. 2 , and provides a group buying list to the online bank server 2. The total amount payable by a purchaser of the group purchase item, a preset payment term and a collection account corresponding to the group purchase item, wherein the preset payment term may be but not limited to, for example, the above-mentioned In the first 2 days or 3 days before the group purchase period, etc., the receiving account number is provided by the financial company and the online banking server 2 can query the fund out/in account (remittance) records of the receiving account number.

Specifically, the application program will automatically obtain and display an address book stored in the main electronic device 3 of the group, such as but not limited to telephone address book, chat address book of instant messaging software (such as Line), E-mail address book, etc., for the group buying owner to select the purchasers who want to send payment notifications from the above-mentioned address book, and the application will automatically obtain the selected buyers from the address book A personal information (such as a name) and a communication information (such as a telephone number, an instant messaging account (such as a Line account) or an email address), and will include the personal information of each purchaser and a purchase information of a payable amount included in the group buying list, and then send the group buying list to the online bank server 2.

Simultaneously, as shown in step S2 of FIG. 2, the application program of the electronic device 3 of the main group is based on the communication data (such as a phone number, an instant messaging account (such as a Line account) or an email address) of each purchaser, through For example, text messages, instant messaging (such as Line) or emails send a payment notice to the purchaser electronic device 1 of each buyer, such as the purchaser electronic device A and the purchaser electronic device B in FIG. 2, wherein the payment notice Including the name of the group purchase owner, the group purchase item, the payable amount, the collection account number and the preset payment period; thereby, buyer A and buyer B can perform a payment operation according to the payment notification received, the Payment operations e.g. via bank Fund transfer, automatic teller machine transfer, online bank transfer, third-party payment... and other existing transfer services that can make payment to the receiving account to complete the payment action.

Therefore, assuming that the purchaser A has completed the payment within the preset payment period according to the payment notice received, but the purchaser B has not paid on schedule, as shown in step S3 of Figure 2, the online banking server 2 will A payment information (from purchaser A) related to the beneficiary account is received within the default payment period, and the payment information includes a payment account number and a payment amount. Then, when the default payment time limit expires, as shown in step S4 of Figure 2, the online banking server 2 will judge whether it is still available according to the total amount payable by the purchaser in the group buying list and the payment information received. Someone did not pay within the default payment period, for example, within the default payment period, the online banking server 2 only received one payment (from purchaser A) of the payment information, and judged that the payment information included the When the payment amount is less than the total amount payable by the purchaser, it is determined that there is still someone who has not paid within the preset payment period, then execute step S5 shown in Figure 2, and send a notification that the purchaser has not yet completed the payment to the group's main terminal electronic device 3. The application program of the electronic device 3 of the group master terminal will display or output the notice that the purchaser has not completed the payment in the form of a prompt for the group purchase owner to read, so as to remind the group purchase owner to query or track the purchaser who has not yet paid. In this way, the group-buying owner is assisted to remind the purchaser of the group-buying joint venture to complete the payment within the payment period, so as to ensure that the group-buying can start smoothly.

In addition, as shown in FIG. 1, in a variant implementation of this embodiment, the electronic device 3 at the master end of the group can also communicate with a third-party service provider (Third- Party Service Providers (TSP for short) provides a third-party service provider server 4 connection, therefore, if the purchasers (such as purchaser A, purchaser B) have used the third-party service provider server 4 to provide Services (such as transfer, remittance, inquiry of personal account funds in various banks... etc.), and these purchasers (such as purchaser A, Purchaser B) account number and personal contact information (such as mobile phone number, email address, etc.) in each bank, and these purchasers (Purchaser A, Purchaser B) agree that the third-party service provider's server 4 When inquiring and providing its account number in each bank to another party (such as the group buying owner) preset by the buyer if there is a need, then in the above step S1, the application program can also be selected according to the selected The personal information (such as name) of the purchaser (purchaser A, purchaser B) automatically requests at least one bank account of each purchaser (purchaser A, purchaser B) to the server 4 of the third-party service provider. account number, and include the at least one bank account number and the communication information of each of the purchasers in the purchase information of each of the purchasers (purchaser A, purchaser B) of the group purchase list, and then provide the group purchase list to the purchaser Internet Banking Server 2.

Thereby, in step S4, the online banking server 2 can be based on the at least one bank account number and the recipient's bank account number in the purchase information of each of the purchasers (purchaser A, purchaser B) in the group purchase list. The payment account included in the payment information related to the payment account, check whether the purchasers have paid, and when it is found that purchaser A has paid, but purchaser B has not yet paid within the preset payment period, as shown in the figure Step S6 of 2, The online banking server 2 will also send a reminder payment notification to the buyer B's electronic device B of the buyer B according to the communication data of the buyer B who has not yet paid, so that the electronic device B of the buyer B will display the reminder payment notification reminder Buyer B pays as soon as possible. It is worth mentioning that the reminder payment notification can include the content of the payment notification (that is, the group purchase owner (name), the group purchase item, the amount payable, the collection account number) and the group purchase notification. the term. Moreover, in step S5, the purchaser's unfinished payment notification sent by the online banking server 2 to the group host electronic device 3 also includes a list of unpaid purchasers, that is, purchaser B. In this way, the group-buying owner does not need to inquire or track the unpaid buyers by himself, and can remind the unpaid buyers to pay as soon as possible, so as to ensure that the group-buying can start smoothly before the expiration of the group-buying period.

In addition, in step S4, when the online banking server 2 judges no, that is, the total amount of the payment amount contained in all the payment information received within the preset payment period is equal to the total amount payable by the purchaser. If the amount is determined, it is determined that all buyers have paid, and step S7 is executed to send a notification that a buyer has completed the payment to the main electronic device 3 of the group. In this way, when the group buying owner sees that the purchaser has completed the payment notification, he can withdraw a group buying total amount from the collection account to pay for the group buying item and complete the group buying payment operation. Wherein the total amount of the group purchase can be the total amount of the payment amount of the purchasers who do not include the group purchase owner (that is, the total amount payable by the purchaser), or the amount including the group purchase owner ( That is, the total amount payable by the purchaser plus the payment amount payable by the group purchase owner).

In addition, when the main-end electronic device 3 of the group is a personal computer, notebook computer or desktop computer without the above-mentioned application program installed, in the above step S1, the main-end electronic device 3 of the group can log in the network A website provided by Road Bank server 2, input the group purchase item, the total amount payable by the purchaser of the group purchase item, the default payment term and the collection account number corresponding to the group purchase item, to generate the group purchase list and provide The group purchase list is given to the online banking server 2; and in the above step S2, the electronic device 3 at the group master terminal can input the communication data (such as phone number, instant messaging address) of each purchaser according to the (group purchase master) input. Account (such as Line account) or email address), send a payment notification to the purchaser's electronic device 1 of each purchaser through, for example, SMS, instant messaging (such as Line) or email. In this way, the online banking server 2 can continue to execute the above steps S3-S5, S7.

And in the above-mentioned implementation of the variation, in step S1, the electronic device 3 at the group master terminal can also, according to the personal information (such as the name) of each of the purchasers (purchaser A and purchaser B) input, Automatically request the at least one bank account number of each purchaser (purchaser A, purchaser B) to the third-party service provider end server 4 connected to it, and transfer the at least one bank account number and The communication data is included in the purchase data of each of the purchasers (buyer A, purchaser B) of the group buying list, and then the group buying list is provided to the online bank server 2; After the device 3 transmits the payment notification to each of the purchasing electronic devices 1 in step S2, the online banking server 2 can continue to execute the above-mentioned steps S3-S7.

Furthermore, when the group purchase mainly cancels the group purchase item, the group purchase owner can send a group group cancellation notice related to the group purchase item to the online bank server 2 and the purchaser's Each of the purchaser electronic devices 1 and the online banking server 2 will return the payment according to the payment account number and the payment amount contained in the payment information of each of the purchasers who have paid after receiving the group purchase cancellation notice. amount to the payment account.

In summary, the above embodiment provides the group purchase list to the online bank server 2 through the electronic device 3 at the main terminal of the group, so that the online bank server 2 can pay the total amount according to the purchaser in the group purchase list. And the at least one payment information, when it is judged that there are still some buyers who have not paid within the preset time limit, send the buyer’s unfinished payment notification to the main terminal electronic device 3 of the group to help the group buying owner to remind the group buying joint venture purchase The person completes the payment within the payment period; and the online banking server 2 can further base the payment included in the at least one bank account number of each purchaser in the group buying list and the at least one payment information related to the receiving account number Account number, when it is found that one of the purchasers has not paid within the preset time limit, a payment reminder notification will be sent to the purchaser’s e-mail account of the purchaser who has not paid according to the communication data of the purchaser who has not yet paid. The device is used to remind the purchaser who has not yet paid to pay as soon as possible, so as to ensure that the group purchase can be opened smoothly before the expiration of the group purchase period, and the effect and purpose of the present invention are indeed achieved.

But what is described above is only an embodiment of the present invention, and should not limit the scope of implementation of the present invention with this. The simple equivalent changes and modifications made in the content still fall within the scope covered by this patent.

100: Group purchase payment management system

3: The electronic device of the group master

1: Electronic device A at the purchase end, electronic device B at the purchase end

4: Third-party service provider server

2: Internet Banking Server

Claims (7)

A group purchase payment management system, which can communicate with multiple electronic devices corresponding to multiple buyers through the network to manage the payment status of these buyers, and includes: an online bank server; and a group of main terminals The electronic device belongs to a group group owner and can communicate with the online bank server through the network; wherein the group master electronic device provides a group group list to the online bank server, and the group group list includes a group group item. The buyer should pay a total amount, a preset payment period and a collection account corresponding to the group purchase item, and send a payment notice to the buyer's electronic device at the purchase end, so that each buyer can make payment according to the payment notice , the payment notification includes the group purchase owner, the group purchase item, an amount payable, the collection account number and the default payment term; the online banking server will receive the payment with the collection account number Related at least one payment information, the at least one payment information includes a payment account number and a payment amount, and when the default payment period expires, the online banking server, according to the total amount payable by the purchaser in the group buying list and the at least one payment information, when it is determined that one of the purchasers has not paid, a purchaser's unfinished payment notification is sent to the group's main terminal electronic device. The group purchase payment management system as described in claim 1, wherein the electronic device at the main terminal of the group executes an application program installed therein, and the application program automatically obtains and displays a communication stored in the electronic device at the main terminal of the group directory for the group buying owner to select the purchasers from, and the application automatically obtains a personal information and a communication information of each of the selected purchasers from the address book, and will include the personal information of each of the purchasers Information and a purchase information of the payable amount are included in the group buying list; and the application program of the main terminal electronic device of the group sends the payment notification to the purchase terminal electronic device of each of the purchasers according to the communication data of each of the purchasers. device. The group purchase payment management system as described in claim 2, wherein, the application program also automatically obtains at least one bank account of each purchaser from a third-party service provider server based on the selected personal data of each purchaser Account number, and include the at least one bank account number and the communication information of each of the purchasers in the purchase information of each of the purchasers in the group purchase list, and then provide the group purchase list to the online banking server; and the network According to the at least one bank account number included in the purchase data of each purchaser in the group purchase list and the payment account number included in the at least one payment information related to the receiving account number, the bank server checks and finds that the purchasers When there is still someone who has not paid, the online banking server will also send a reminder payment notification to the electronic device of the purchasing terminal of the unpaid purchaser according to the communication data of the unpaid purchaser, and the online banking server The purchaser's unfinished payment notification sent by the device to the group's main-end electronic device also includes a list of unpaid purchasers. The group purchase payment management system as described in claim 1, wherein, the main terminal electronic device of the group connects with the online bank server by logging into a website provided by the online bank server, and enters the The group purchase item, the total amount payable by the purchaser of the group purchase item, the default payment term, and The collection account number corresponding to the group purchase item to generate the group purchase list and provide the group purchase list to the online bank server; and the electronic device at the main end of the group sends the The payment notification is sent to the purchaser's electronic device of each purchaser. In the group purchase payment management system as described in claim 4, wherein, the electronic device at the main terminal of the group also obtains a personal data of each purchaser from an address book stored therein, and according to the personal data of each purchaser, automatically Obtain at least one bank account number of each purchaser from a third-party service provider server, and include the personal information, the payable amount, the at least one bank account number and the communication information of each purchaser in the group purchase list In a purchase information of each of the purchasers, the group purchase list is provided to the online banking server; and the online banking server is based on the at least one bank account number in the purchase information of each of the purchasers in the group purchase list and the payment account number included in the at least one payment information related to the payment collection account number, and when it is found that any of the purchasers has not paid, the online banking server will also use the communication of the purchaser who has not yet paid Send a reminder payment notification to the electronic device of the purchaser who has not yet paid, and the purchaser's payment notification sent by the online banking server to the electronic device of the group's main terminal also includes the purchase that has not yet been paid list of people. The group purchase payment management system as described in Claim 1, wherein, when the online bank server judges that all the purchasers have paid within the preset payment period, send a notification that the purchaser has completed the payment to the main terminal of the group electronic device. The group purchase payment management system as described in any one of request items 1 to 6, wherein the electronic device at the main terminal of the group can also transmit a group related to the group purchase item Purchase cancellation notice to the online banking server and the electronic devices at the purchasing end, and after the online banking server receives the group purchase cancellation notice, it will return the payment according to the payment account number and the payment amount included in the at least one payment information The payment amount will be credited to the payment account number.

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