TWM639628U - Payment integration system - Google Patents

Abstract

This creation provides a payment integration system, including: an electronic device; a middle server, connected to the electronic device; a first payment server, connected to the middle server; a second payment server, connected to the a connection to the mid-stage server; and a financial institution server connected to the mid-stage server; wherein the electronic device is suitable for transmitting a payment information, and the mid-stage server is suitable for generating a bill inquiry information based on the payment information to The first bill payment server or the second bill payment server, the first bill payment server or the second bill payment server is suitable for transmitting a billing information to the mid-stage server according to the bill query information; wherein the mid-stage server After receiving the bill information, generate and send a payment confirmation information to the financial institution server.

Description

payment integration system

This creation is about a system, especially a payment integration system.

Currently, the payment platforms in the market provide external business users to connect. However, due to the different operation methods of the payment platforms, such as different settlement methods of payment amounts and different payment tools, it is inconvenient for users to connect to different platforms at the same time, and it also makes the financial industry difficult. Intermediation costs increase.

Therefore, there is a need for a payment integration system to merge different payment platforms and reduce the intermediary costs of financial operators.

In order to solve the above problems and achieve the purpose of creation, this creation provides a payment integration system, including: an electronic device; a middle server, connected to the electronic device; a first payment server, connected to the middle server connection; a second payment server, connected to the middle server; and a financial institution server, connected to the middle server; wherein the electronic device is suitable for transmitting a payment information, and the middle server is suitable for generate a billing inquiry information based on the billing information to the first billing server or the second billing server, and the first billing server or the second billing server is suitable for transmitting a billing information to the billing server according to the billing inquiry information A middle server; after receiving the billing information, the middle server generates and transmits payment confirmation information to the financial institution server.

In a specific embodiment, the middle server can also send an identity verification message to the electronic device.

In a specific embodiment, wherein the payment information includes a token, the middle server can determine that the bill inquiry information should be transmitted to the first payment server or the second payment server according to the token.

In a specific embodiment, the confirmed payment information includes a payment instrument.

The technical features of this creation, including specific features, are disclosed in the scope of the patent application. For a better understanding of the technical features of this creation, this creation is described in detail as follows in conjunction with the description, embodiments based on the principles of this creation, and drawings.

Unless otherwise defined, all technical and scientific terms described in this creation manual and the scope of the patent application are definitions that can be known to those with ordinary knowledge in the technical field to which this creation belongs. The singular terms "a", "an", "the", or similar expressions thereof, unless otherwise specified, may refer to more than one object. "Or", "and", "and" used in this manual, unless otherwise stated, all refer to "or/and". In addition, the terms "comprising" and "including" are not limited open conjunctions. The foregoing definitions only illustrate the meaning of the term definitions and should not be construed as limitations on the subject matter of creation. Unless otherwise stated, all components used in this creation are commercially available and readily available.

The electronic devices mentioned in this manual are defined as electronic devices for personal use, including but not limited to mobile phones, tablet computers, personal computers, or notebook computers.

The term "connection" used in this specification may refer to electrical connection or communication connection, depending on the context; wherein, the communication connection may include wired communication and wireless communication, and the wired communication includes but not limited to wired network or direct telecommunication connection, The wireless communication includes but not limited to sound waves, infrared rays, radio, electromagnetic waves, spread spectrum technology, or other wireless communication technologies.

Referring to Fig. 1, Fig. 1 is a payment integration system 100 according to an embodiment of the invention, including: an electronic device 10; a middle server 11, connected to the electronic device 10; a first payment server 12, and The middle platform server 11 is connected; a second payment server 13 is connected with the middle platform server 11; and a financial institution server 14 is connected with the middle platform server 11; wherein the electronic device 10 is suitable for transmitting a payment information, The middle station server 11 is suitable for generating a bill inquiry information based on the payment information to the first payment server 12 or the second payment server 13, and the first payment server 12 or the second payment server 13 is suitable for The bill query information transmits a billing information to the mid-stage server 11 ; the mid-stage server 11 generates and transmits a confirmation payment information to the financial institution server 14 after receiving the billing information.

For example, the user can input a payment information through the electronic device 10, the electronic device 10 transmits the payment information to the middle platform server 11, and the middle platform server generates a bill inquiry information according to the payment information, and transmits the account information. Single query information to the first bill payment server 12 or the second bill payment server 13, the first bill payment server 12 or the second bill payment server 13 generates a billing information according to the bill inquiry information, and sends the billing information back To the mid-stage server 11, the user can confirm the payment after confirming that the billing information is correct, the mid-stage server 11 generates a confirmation payment information, and transmits the confirmation payment information to the financial institution server 14

In one embodiment, the mid-stage server 11 can also transmit an identity verification SMS to the electronic device 10 , and the user can return an identity verification message to the mid-stage server 11 according to the identity verification text message.

In one embodiment, the payment information includes a token, and the middle station server 11 can determine that the bill inquiry information should be transmitted to the first payment server 12 or the second payment server 13 according to the token.

In one embodiment, the confirmed payment information includes payment tools, such as credit card, street payment, and the like.

Referring to Figure 2, when using the system of this creation, the system can provide the following implementation steps in sequence: S10: The user inputs payment information through the electronic device; S11: The electronic device transmits the payment information to the central server; S12: The middle server generates a bill inquiry information based on the payment information, and transmits it to the first payment server or the second payment server; S13: The first bill payment server or the second bill payment server generates bill information according to the bill query information, and transmits it to the middle server; S14: The central server generates and transmits payment confirmation information to the financial institution server.

In the content disclosed in the embodiments of this specification, those with ordinary knowledge in the field of this creation can clearly understand that the above-mentioned embodiments are only examples and not limiting; It does not differ from the technical characteristics of this creation. According to the embodiment of the description, this creation can have multiple transformations without hindering its implementation. The claims provided in this specification define the scope of this creation, which covers the aforementioned methods and structures and their equivalent creations.

In order to make the above-mentioned and other purposes, features, advantages and embodiments of this creation more obvious and easy to understand, the description of the attached symbols is as follows 100: Payment integration system 10: Electronic device 11: Middle server 12: The first payment server 13: Second payment server 14: Financial institution server S10-S14: Implementation steps of payment integration system

The accompanying drawings are provided to enable those skilled in the art to further understand the present invention, and are incorporated into and constitute a part of the description of the present invention. The drawings illustrate exemplary embodiments of the invention and, together with the description, serve to explain the principles of the invention. The following is a brief description of each figure created in this paper: Fig. 1 is the structural diagram of the system of this creation. Fig. 2 is the implementation flowchart of the system of this creation.

100: Payment integration system

10: Electronic device

11: Middle server

12: The first payment server

13: Second payment server

14: Financial institution server

Claims (4)

A bill payment integration system, comprising: an electronic device; a middle server connected to the electronic device; 1. The first payment server is connected to the middle server; A second payment server connected to the middle server; and A financial institution server connected to the middle server; Wherein the electronic device is suitable for transmitting a bill payment information, and the middle station server is suitable for generating a bill inquiry information to the first bill payment server or the second bill payment server according to the bill payment information, and the first bill payment server or the second bill payment server The payment server is suitable for transmitting a billing information to the middle server according to the billing query information; After receiving the billing information, the middle server generates and transmits payment confirmation information to the financial institution server. The bill payment integration system as described in Claim 1, wherein the middle server can also transmit an identity verification message to the electronic device. The bill payment integration system as described in Claim 1, wherein the bill payment information includes a token, and the middle server can determine whether the bill inquiry information should be transmitted to the first bill payment server or the second bill payment server according to the token server. The bill payment integration system as described in Claim 1, wherein the confirmed bill payment information includes a payment tool.

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