TWM646894U - Digital payment integration server - Google Patents
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Abstract
一種數位支付整合伺服器,適於與一客戶端電子裝置及多個數位支付伺服器通訊,並包含一處理單元。該處理單元接收一自該客戶端電子裝置的付款請求後,產生並傳送一要求提供一子帳戶資訊的查詢請求至該等數位支付伺服器,並根據分別自該等數位支付伺服器接收到的多筆子帳戶資訊,生成一子帳戶選擇請求並傳送至該客戶端電子裝置。該處理單元接收一對應於該子帳戶選擇請求的選定回覆後,傳送一要求從一被選定的子帳戶支付包含一扣款金額的扣款請求至對應的該數位支付伺服器,該扣款金額是該付款請求指示支付的一付款金額的全部或一部分。A digital payment integration server is suitable for communicating with a client electronic device and multiple digital payment servers, and includes a processing unit. After receiving a payment request from the client electronic device, the processing unit generates and sends an inquiry request requesting to provide a sub-account information to the digital payment servers, and based on the payment request received from the digital payment servers respectively. Multiple pieces of sub-account information generate a sub-account selection request and send it to the client electronic device. After receiving a selection response corresponding to the sub-account selection request, the processing unit sends a debit request requesting payment from a selected sub-account including a debit amount to the corresponding digital payment server, and the debit amount is Is all or part of a payment amount that the payment request instructs to pay.
Description
本新型是有關於一種整合伺服器,特別是一種用於整合多個數位支付伺服器的數位支付整合伺服器。The present invention relates to an integrated server, in particular to a digital payment integrated server used to integrate multiple digital payment servers.
隨著數位支付的蓬勃發展,許多業者紛紛開發自家的電子錢包應用程式等,提供消費者可於電子錢包的帳戶中綁定信用卡、簽帳金融卡或儲值以進行數位支付。然而,當消費者想要以數位支付進行交易付款時,在單筆消費中只能從多家業者中選擇想要使用的單一數位支付平台,且要先評估該電子錢包的帳戶可運用的額度是否足夠後方能進行交易,不僅造成消費者的麻煩,也使得消費者四散於各個電子錢包的帳戶的資產難以被彈性及有效地運用。With the booming development of digital payments, many operators have developed their own e-wallet applications, allowing consumers to bind credit cards, debit cards or stored value to their e-wallet accounts for digital payments. However, when consumers want to make transaction payments using digital payments, they can only choose the single digital payment platform they want to use from multiple operators for a single purchase, and they must first evaluate the available limit of the e-wallet account. Whether it is sufficient before transactions can be carried out not only causes trouble for consumers, but also makes it difficult for consumers to use their assets in various e-wallet accounts flexibly and effectively.
因此,本新型之目的,即在提供一種能克服現有技術之不便的數位支付整合伺服器。Therefore, the purpose of the present invention is to provide a digital payment integration server that can overcome the inconveniences of the existing technology.
於是,本新型數位支付整合伺服器,適於與一供一客戶使用的客戶端電子裝置及多個數位支付伺服器通訊,並包含一儲存單元、一處理單元及一通訊單元。該處理單元電連接該儲存單元。該通訊單元電連接該處理單元並使該處理單元與該客戶端電子裝置及該等數位支付伺服器進行通訊。其中,該處理單元接收一自該客戶端電子裝置的付款請求後,產生一查詢請求並傳送至該等數位支付伺服器,該查詢請求要求該等數位支付伺服器提供該客戶的一子帳戶的一子帳戶資訊,每筆子帳戶資訊包含一子帳戶餘額。該處理單元將分別自該等數位支付伺服器接收到的該等子帳戶資訊儲存於該儲存單元,並根據該等子帳戶資訊生成一包含該等子帳戶的子帳戶選擇請求並傳送至該客戶端電子裝置。該處理單元接收到該客戶端電子裝置的一對應於該子帳戶選擇請求的選定回覆後,該處理單元根據該選定回覆中包含之一被選定的子帳戶傳送一扣款請求至該被選定的子帳戶所對應的該數位支付伺服器,該扣款請求要求從該被選定的子帳戶支付該扣款請求包含的一扣款金額,且該扣款金額是該付款請求指示支付的一付款金額的全部或一部分。Therefore, the new digital payment integrated server is suitable for communicating with a client electronic device for one customer and multiple digital payment servers, and includes a storage unit, a processing unit and a communication unit. The processing unit is electrically connected to the storage unit. The communication unit is electrically connected to the processing unit and enables the processing unit to communicate with the client electronic device and the digital payment servers. Wherein, after receiving a payment request from the client electronic device, the processing unit generates an inquiry request and sends it to the digital payment servers. The inquiry request requires the digital payment servers to provide the information of a sub-account of the customer. A sub-account information, each sub-account information includes a sub-account balance. The processing unit stores the sub-account information respectively received from the digital payment servers in the storage unit, and generates a sub-account selection request including the sub-accounts based on the sub-account information and sends it to the customer terminal electronic device. After the processing unit receives a selection response corresponding to the sub-account selection request from the client electronic device, the processing unit sends a debit request to the selected sub-account according to one of the selected sub-accounts included in the selection response. The digital payment server corresponding to the sub-account, the deduction request requires payment of a deduction amount included in the deduction request from the selected sub-account, and the deduction amount is a payment amount instructed to be paid by the payment request all or part of.
在一些實施態樣中,該數位支付伺服器根據該扣款請求從該被選定的子帳戶支付該扣款金額並傳送一扣款成功通知給該處理單元後,該處理單元還根據該扣款成功通知產生一對應於該扣款請求的交易明細並傳送至該數位支付伺服器。In some implementations, after the digital payment server pays the deduction amount from the selected sub-account according to the deduction request and sends a deduction success notification to the processing unit, the processing unit also pays the deduction amount according to the deduction request. The successful notification generates a transaction detail corresponding to the deduction request and sends it to the digital payment server.
在一些實施態樣中,該處理單元接收該扣款成功通知後,還接收一來自該數位支付伺服器的回饋資訊,該回饋資訊通知該數位支付伺服器根據該扣款金額所產生的一回饋金已匯入該被選定的子帳戶。In some implementations, after receiving the successful deduction notification, the processing unit also receives feedback information from the digital payment server, and the feedback information notifies the digital payment server of a feedback generated based on the deduction amount. Funds have been transferred to the selected sub-account.
在一些實施態樣中,該處理單元於生成該子帳戶選擇請求之前,還先判斷每筆子帳戶資訊包含的一權限設定是否包含一子帳戶共用權限,並根據該權限設定包含該子帳戶共用權限的該等該子帳戶資訊生成該子帳戶選擇請求。In some implementations, before generating the sub-account selection request, the processing unit also determines whether a permission setting included in each sub-account information includes a sub-account sharing permission, and includes the sub-account sharing permission according to the permission setting. The sub-account information of the permissions generates the sub-account selection request.
本新型之功效在於:該數位支付整合伺服器的該處理單元能整合該等子帳戶資訊以生成該子帳戶選擇請求,並且,該處理單元能根據該選定回覆產生該或該等扣款請求,使該或該等被選定的子帳戶分別對應的該或該等數位支付伺服器支付該扣款金額,如此一來,該客戶能於單筆消費中以該或該等數位支付伺服器進行交易付款,提供該客戶彈性及有效地運用不同子帳戶中的資產。The function of the present invention is that: the processing unit of the digital payment integration server can integrate the sub-account information to generate the sub-account selection request, and the processing unit can generate the or these debit requests based on the selected reply, Allow the digital payment server or servers corresponding to the selected sub-accounts to pay the debit amount, so that the customer can conduct transactions using the digital payment servers or servers in a single transaction. Payments provide the customer with flexibility and efficient use of assets in different sub-accounts.
參閱圖1,本新型數位支付整合伺服器1之一實施例,例如歸屬於一銀行機構,且該數位支付整合伺服器1適用於與一能供一客戶操作的客戶端電子裝置10及多個數位支付伺服器20配合。在本實施例中,該數位支付整合伺服器1是與多個數位支付伺服器20配合,但該數位支付整合伺服器1僅與一個數位支付伺服器20配合亦可實施,並不以此為限。Referring to Figure 1, one embodiment of the new digital
該客戶端電子裝置10可例如為一智慧型手機、一平板電腦、一筆記型電腦或者一桌上型電腦等,但不以此為限。The client
每一數位支付伺服器20儲存有該客戶的一包含一子帳戶資訊的子帳戶,每筆子帳戶資訊包含一子帳戶餘額。其中,每一數位支付伺服器20可在當收到與該子帳戶對應的一包含一扣款金額的扣款請求,並以該子帳戶的該子帳戶餘額支付該扣款金額後,根據該扣款金額產生一回饋金並匯入該子帳戶。其中,該回饋金可例如為對應該數位支付伺服器20的虛擬貨幣,而該回饋金的一回饋金額是根據該扣款金額所產生。在本實施例中每一數位支付伺服器20儲存有該客戶的一個子帳戶,但每一數位支付伺服器20儲存有該客戶的多個子帳戶亦可實施,並不以此為限。Each
該數位支付整合伺服器1是一電腦裝置,其至少包含一儲存單元11、一處理單元12及一通訊單元13。該處理單元12(例如中央處理器)電連接該儲存單元11。該通訊單元13(例如網路卡)電連接該處理單元12,且該處理單元12透過該通訊單元13能連上網際網路而與該客戶端電子裝置10及該等數位支付伺服器20進行網路通訊。The digital
配合參閱圖2,以下說明本實施例之數位支付整合伺服器1執行的步驟。With reference to Figure 2, the steps executed by the digital
首先,該數位支付整合伺服器1可供該客戶端電子裝置10登入,並提供一網頁(例如數位支付網頁)供該客戶端電子裝置10發送一對應於一消費項目的付款請求給該數位支付整合伺服器1,藉此,如步驟S21所示,該處理單元12接收來自該客戶端電子裝置10的該付款請求後,該處理單元12產生一查詢請求並傳送至該等數位支付伺服器20。其中,該查詢請求要求該等數位支付伺服器20分別提供該客戶的該子帳戶的該子帳戶資訊。First, the digital
接著,如步驟S22所示,該處理單元12於分別接收自該等數位支付伺服器20傳送的該等子帳戶資訊後,將該等子帳戶資訊儲存於該儲存單元11。Then, as shown in step S22 , the processing unit 12 stores the sub-account information in the
接著,如步驟S23所示,該處理單元12根據該等子帳戶資訊生成一子帳戶選擇請求並傳送至該客戶端電子裝置10。該子帳戶選擇請求會在呈現在該客戶端電子裝置10的該網頁中顯示該客戶擁有的該等子帳戶,並請求該客戶經由該客戶端電子裝置10選擇該網頁顯示的該等子帳戶至少其中之一以進行數位支付。在另一個實施態樣中,該等帳戶子資訊還包含的一權限設定。更具體地說,在該處理單元12生成該子帳戶選擇請求之前,還先判斷每筆子帳戶資訊包含的該權限設定是否包含一子帳戶共用權限。該子帳戶共用權限是指示出該處理單元12具有權限於生成該子帳戶選擇請求時,能包含可供該客戶端電子裝置10選擇的該子帳戶,也就是說,於該等數位支付伺服器20中,包含該子帳戶共用權限的該子帳戶才能提供給該客戶選擇並進行數位支付。Next, as shown in step S23 , the processing unit 12 generates a sub-account selection request according to the sub-account information and sends it to the client
接著,如步驟S24所示,該處理單元12於接收到該客戶端電子裝置10的一對應於該子帳戶選擇請求的選定回覆後,該處理單元12根據該選定回覆中包含之一或多個被選定的子帳戶,分別傳送一扣款請求至該或該等被選定的子帳戶所對應的該數位支付伺服器20。其中,每一扣款請求為要求從該被選定的子帳戶支付該扣款請求包含的一扣款金額,且該扣款金額是該付款請求指示支付的一付款金額的全部或一部分。更具體地說,該選定回覆還包含一指示該或該等被選定的子帳戶分別支付全部或一部分付款金額的支付資訊,且該處理單元12是根據包含該或該等被選定的子帳戶及該支付資訊,產生該或該等扣款請求並分別傳送至該或該等數位支付伺服器20,以使每一數位支付伺服器20能根據該扣款請求從該被選定的子帳戶支付該扣款金額。Next, as shown in step S24 , after the processing unit 12 receives a selected reply corresponding to the sub-account selection request from the client
接著,如步驟S25所示,每一數位支付伺服器20根據該扣款請求從對應的該被選定的子帳戶支付該扣款金額後,分別傳送一扣款成功通知給該處理單元12,並且,該處理單元12還根據該或該等扣款成功通知分別產生一或多筆對應於該或該等扣款請求的交易明細,並傳送至每一被選定的子帳戶對應的該數位支付伺服器20。Next, as shown in step S25, each
接著,如步驟S26所示,該處理單元12接收該或該等扣款成功通知後,還接收一或多筆來自該或該等數位支付伺服器20的回饋資訊,且該處理單元12將該或該等回饋資訊傳送至該客戶端電子裝置10。其中,該回饋資訊是通知該客戶端電子裝置10,該回饋資訊所對應的該數位支付伺服器20已將根據該扣款金額所產生的該回饋金匯入該被選定的子帳戶。更具體地說,每一數位支付伺服器20於產生該扣款成功通知後,還產生該回饋金並匯入該被選定的子帳戶,並且,於該回饋金成功匯入該被選定的子帳戶後,該數位支付伺服器20產生該回饋資訊並傳送至該處理單元12,使該處理單元12可將該回饋資訊傳送至該客戶端電子裝置10。Next, as shown in step S26, after receiving the successful deduction notification, the processing unit 12 also receives one or more pieces of feedback information from the
綜上所述,該數位支付整合伺服器1的該處理單元12能整合該等子帳戶資訊以生成該子帳戶選擇請求,並且,該處理單元12能根據該選定回覆產生該或該等扣款請求,使該或該等被選定的子帳戶分別對應的該或該等數位支付伺服器20支付該扣款金額,如此一來,該客戶能於單筆消費中以該或該等數位支付伺服器20進行交易付款,提供該客戶彈性及有效地運用不同子帳戶中的資產,故確實能達成本新型之目的。In summary, the processing unit 12 of the digital
惟以上所述者,僅為本新型之實施例而已,當不能以此限定本新型實施之範圍,凡是依本新型申請專利範圍及專利說明書內容所作之簡單的等效變化與修飾,皆仍屬本新型專利涵蓋之範圍內。However, the above are only examples of the present invention, and should not be used to limit the scope of the present invention. All simple equivalent changes and modifications made based on the patent scope of the present invention and the content of the patent specification are still within the scope of the present invention. Within the scope covered by this new patent.
1:數位支付整合伺服器 11:儲存單元 12:處理單元 13:通訊單元 10:客戶端電子裝置 20:數位支付伺服器 S21~S26:步驟 1:Digital payment integration server 11:Storage unit 12: Processing unit 13: Communication unit 10: Client electronic device 20:Digital payment server S21~S26: Steps
本新型之其他的特徵及功效,將於參照圖式的實施方式中清楚地呈現,其中: 圖1是一硬體方塊示意圖,用於表示本新型數位支付整合伺服器的一實施例,以及適合與該實施例配合的一客戶端電子裝置及多個數位支付伺服器;及 圖2是一流程圖,用於示例性地表示該實施例的運作方式。 Other features and functions of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: Figure 1 is a hardware block diagram illustrating an embodiment of the new digital payment integration server, as well as a client electronic device and a plurality of digital payment servers suitable for cooperating with the embodiment; and FIG. 2 is a flow chart illustrating the operation of this embodiment.
1:數位支付整合伺服器 1:Digital payment integration server
11:儲存單元 11:Storage unit
12:處理單元 12: Processing unit
13:通訊單元 13: Communication unit
10:客戶端電子裝置 10: Client electronic device
20:數位支付伺服器 20:Digital payment server
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