TWM639374U - Electronic requisition and payment system - Google Patents

Abstract

An electronic requisition and payment system includes a server, a first mobile device and a second mobile device. The server is configured to provide payment requester functions and payer functions. The first mobile device is configured to communicate with the server to access the payment requester functions when the first application is executed, and provide payment request information to the server, so that the server generates payment information according to the payment request information. The second mobile device is configured to connect with the server to access the payer functions and to receive payment information from the server when the second application is executed.

Description

Electronic capture and payment system

The present invention relates to an electronic payment request and payment system, in particular to an electronic system using a mobile device for requesting payment.

With the development of communication technology, mobile devices have developed from purely calling functions in the early days to smart devices that can connect to the Internet. Up to now, they can also provide online payment functions, which has greatly affected the consumption patterns in the current market. However, in terms of remote transactions, there is currently no real-time payment request and corresponding payment service through the bank.

The embodiment of this new model proposes an electronic payment request and payment system, which allows the requester and the payer to perform the payment request and payment process through the application program respectively, and allows both parties to query payment information and transaction records in real time through the application program , thereby improving transaction convenience.

According to an embodiment of the present invention, the electronic requisition and payment system includes a server, a first mobile device and a second mobile device. The server is configured to provide requester functionality and payer functionality. The first mobile device is configured to communicate with the server when executing the first application program to access the payment requester function, and provide payment request information to the server, so that the server generates payment information according to the payment request information. The second mobile device is configured to connect with the server to access the payer function when executing the second application program, and receive payment information from the server.

In some embodiments, the server includes a processor unit and a memory unit. The processor unit is configured to sum up and calculate the amount of the payment request information, and generate payment information according to the amount of the payment request information. The memory unit is configured to store requisition information.

In some embodiments, the server sends transaction record information to the first mobile device when receiving a transaction record query request message from the first mobile device, and the first mobile device displays the transaction records through the first application Information.

In some embodiments, the first mobile device is a smart phone, a smart wearable device or a tablet computer.

In some embodiments, the second mobile device is a smartphone, a smart wearable device or a tablet computer.

In some embodiments, when the server receives the paid information corresponding to the payment request information, it changes the payment request information from the unpaid status to the paid status.

In some embodiments, the payment information includes an online payment option, and the server is further configured to perform an online payment procedure with the second mobile device when receiving online payment request information corresponding to the online payment option from the second mobile device.

In some embodiments, the server may be an online banking server At least one of server, financial verification terminal server, debit service server and cloud server.

In some embodiments, the first mobile device and the second mobile device transmit messages and information with the server according to Hypertext Transfer Protocol Secure (HTTPS).

In some embodiments, the server sends a payment notification SMS to the second mobile device after receiving the payment request information from the first mobile device.

Embodiments of the present invention are discussed in detail below. It should be appreciated that the embodiments provide many applicable concepts that can be implemented in a wide variety of specific contexts. The discussed and disclosed embodiments are for illustration only, and are not intended to limit the scope of the present invention.

FIG. 1 is a functional block diagram of an electronic collection and payment system 100 according to an embodiment of the present invention. The electronic collection and payment system 100 includes a server 110 , a first mobile device 120 and a second mobile device 130 . The server 110 may include at least one of an online banking server, a financial verification terminal server, a debit service server, and a cloud server. The first mobile device 120 and the second mobile device 130 may be portable computer devices, such as smart phones, smart wearable devices (such as smart watches), tablet computers or other suitable devices. In this new embodiment, the server 110 is provided by the bank, the first mobile device 120 and the second mobile device 130 correspond to the requester and the payer respectively, and both the requester and the payer are registered users of the bank.

The server 110 is connected to the first mobile device 120 and the second mobile device 130 via Internet communication, so that when the first mobile device 120 executes the first application program 121, the first mobile device 120 can access the money requester function, And when the second mobile device 130 executes the second application program 131, the second mobile device 130 is allowed to access the payer function. In the embodiment of the present invention, the communication connection between the first mobile device 120 , the second mobile device 130 and the server 110 may be through a wireless and/or wired network. In addition, the first mobile device 120 and the second mobile device 130 transmit messages and information with the server 110 according to Hypertext Transfer Protocol Secure (HTTPS).

In one embodiment of the present invention, the first mobile device 120 can generate one or more sets of payment information correspondingly according to the operation of the first application program 121 by the payee. The operation of the above-mentioned payment requester is that the user operates the first mobile device 120 and executes the first application program 121 to input payment request information, which may include the payer’s personal information, payment amount and payment deadline, and transmit the payment request information to The server 110 is stored in the server 110. The server 110 generates payment information according to the payment request information, and provides the payment information to the second mobile device 130 . In addition, the server 110 can also send a payment notification SMS to the second mobile device 130 when receiving the payment request information, so as to notify the payer to receive the payment information.

When the payer wants to make online payment, he can also perform the online payment procedure correspondingly by operating the second mobile device 130 and opening the second application program 131 . The payment information may include online payment options to provide online payment services. If the payer selects the online payment option, the second mobile device 130 sends the online payment request information corresponding to the online payment option to the server 110, and then the server 110 conducts online payment with the second mobile device 130 after receiving the online payment request information. payment procedure. After the online payment process is completed, the server 110 will return the transaction records and results to the first mobile device 120 held by the requester and the second mobile device 130 held by the payer and displayed on the first application in each mobile device program 121 and a second application program 131 .

In one embodiment of the present invention, the first application program 121 and the second application program 131 provide a mobile payment platform for the requester user and the payer user to perform payment operations. Moreover, after the transaction is completed by both users, the first application program 121 and the second application program 131 can allow both parties to the transaction to inquire about information such as accounts and transaction records.

In an embodiment of the present invention, both the first application program 121 and the second application program 131 include user identity authentication interfaces. After the requesting party and the paying party send information such as user account number and user password to the server 110 through the user identity authentication interface, the registration and verification process can be performed to authenticate legitimate users and prevent malicious users. login behavior.

The first application program 121 and the second application program 131 may be fully developed application programs, and have passed the application program review process and been launched on digital platforms (such as App Store platform and/or Google Play, etc.), and the first mobile device 120 and the second mobile device 130 can respectively download and install the first application program 121 and the second application program 131 through the digital platform.

In one embodiment of the present invention, the server 110 includes a processor unit 111. When the server 110 receives a request for establishing payment information from the first mobile device 120, the processor unit 111 will add up and calculate the payment number and generate the payment Information.

In one embodiment of the present invention, when the server 110 receives the paid information corresponding to the payment request information, it changes the payment request information from the unpaid status to the paid status, and then sends and displays a notification on the personal actions of both parties to the transaction On the first application program 121 and the second application program 131 in the device.

In one embodiment of the present invention, the server 110 includes a memory unit 112. After the transaction between the requester and the payer is completed, the memory unit 112 will record and store the transaction content of both parties, including the personal information of the payer and the payment amount. , payment timing, etc. and/or other transaction-related information.

To sum up, the new electronic payment request and payment system allows the requester and the payer to carry out the payment request and payment process through the application program respectively, and allows both parties to query the payment request information and transaction records in real time through the application program. This will improve transaction convenience.

Although the present invention has been disclosed above with embodiments, it is not intended to limit the scope of the present invention. Anyone with ordinary knowledge in the technical field may make various changes, replacements and modifications without departing from the spirit and scope of the present invention. Change, so the scope of protection of the present invention should be defined by the scope of the attached patent application as the criterion.

100: Electronic requisition and payment system

110: server

111: Processor unit

112: Memory unit

120: First mobile device

121:First app

130:Second mobile device

131:Second application

A better understanding of the aspect of the present invention can be obtained from the detailed description of the accompanying drawings below. Wherein, in order to make the description clearer, the proportions of the features of the components in the drawings are not drawn according to the actual proportions.

FIG. 1 is a schematic functional block diagram of an electronic collection and payment system according to an embodiment of the present invention.

100: Electronic requisition and payment system

110: server

111: Processor unit

112: Memory unit

120: First mobile device

121:First app

130:Second mobile device

131:Second application

Claims (10)

An electronic request and payment system, comprising: a server configured to provide a requester function and a payer function; a first mobile device configured to communicate with the server when executing a first application to access the function of the requesting party, and provide a requesting information to the server, so that the server generates a payment information according to the requesting information; and a second mobile device configured to execute a second application program Connect to the server to access the payer function and receive the payment information from the server. The electronic request for payment and payment system as described in Claim 1, wherein the server includes: a processor unit configured to sum up and calculate the amount of the payment request information, and generate the payment information based on the amount of the payment request information ; and a memory unit configured to store the request information. The electronic payment request and payment system as described in Claim 1, wherein, when the server receives a transaction record inquiry request message from the first mobile device, it sends a transaction record information to the first mobile device, and the The first mobile device displays the transaction record information through the first application program. The electronic request for payment and payment system as described in Claim 1, wherein the first mobile device is a smart phone, a smart wearable device or a tablet. The electronic request for payment and payment system as described in Claim 1, wherein the second mobile device is a smart phone, a smart wearable device or a tablet computer. The electronic payment request and payment system as described in Claim 1, wherein, when the server receives the payment information corresponding to the payment request information, the payment request information is changed from unpaid status to paid status. The electronic payment request and payment system as described in Claim 1, wherein the payment information includes an online payment option, and the server is further configured to receive an online payment request corresponding to the online payment option from the second mobile device Perform an online payment procedure with the second mobile device while receiving information. The electronic request for payment and payment system as described in claim 1, wherein the server includes at least one of an online banking server, a financial verification terminal server, a debit service server and a cloud server one. The electronic request for payment and payment system as described in claim 1, wherein each of the first mobile device and the second mobile device communicates with the server according to Hypertext Transfer Protocol Secure (HTTPS) device for message and information transmission. The electronic payment request and payment system as described in Claim 1, wherein the server sends a payment notification SMS to the second mobile device when receiving the payment request information.

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