TWM646894U - Digital payment integration server - Google Patents

Abstract

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

Digital payment integration server

The present invention relates to an integrated server, in particular to a digital payment integrated server used to integrate multiple digital payment servers.

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.

Therefore, the purpose of the present invention is to provide a digital payment integration server that can overcome the inconveniences of the existing technology.

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.

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.

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.

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.

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.

Referring to Figure 1, one embodiment of the new digital payment integration server 1 belongs to, for example, a banking institution, and the digital payment integration server 1 is suitable for use with a client electronic device 10 that can be operated by a customer and a plurality of Digital payment server 20 compatible. In this embodiment, the digital payment integration server 1 cooperates with multiple digital payment servers 20 , but the digital payment integration server 1 can also be implemented in cooperation with only one digital payment server 20 , and this is not the case. limit.

The client electronic device 10 may be, for example, a smart phone, a tablet computer, a notebook computer or a desktop computer, but is not limited thereto.

Each digital payment server 20 stores a sub-account of the customer including a sub-account information, and each sub-account information includes a sub-account balance. Among them, each digital payment server 20 can, after receiving a debit request including a debit amount corresponding to the sub-account, and paying the debit amount with the sub-account balance of the sub-account, according to the The debit amount generates a rebate and is remitted to the sub-account. The rebate may be, for example, a virtual currency corresponding to the digital payment server 20, and a rebate amount of the rebate is generated based on the deduction amount. In this embodiment, each digital payment server 20 stores one sub-account of the customer. However, each digital payment server 20 can also store multiple sub-accounts of the customer, and is not limited to this.

The digital payment integration server 1 is a computer device, which at least includes a storage unit 11 , a processing unit 12 and a communication unit 13 . The processing unit 12 (such as a central processing unit) is electrically connected to the storage unit 11 . The communication unit 13 (such as a network card) is electrically connected to the processing unit 12, and the processing unit 12 can connect to the Internet through the communication unit 13 to communicate with the client electronic device 10 and the digital payment servers 20. Internet communication.

With reference to Figure 2, the steps executed by the digital payment integration server 1 of this embodiment will be described below.

First, the digital payment integration server 1 allows the client electronic device 10 to log in, and provides a web page (such as a digital payment web page) for the client electronic device 10 to send a payment request corresponding to a consumption item to the digital payment Integrate the server 1, whereby, as shown in step S21, after the processing unit 12 receives the payment request from the client electronic device 10, the processing unit 12 generates a query request and sends it to the digital payment servers 20 . Wherein, the query request requires the digital payment servers 20 to respectively provide the sub-account information of the customer's sub-account.

Then, as shown in step S22 , the processing unit 12 stores the sub-account information in the storage unit 11 after receiving the sub-account information transmitted from the digital payment servers 20 respectively.

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 electronic device 10 . The sub-account selection request displays the sub-accounts owned by the customer in the web page presented on the client electronic device 10, and requests the customer to select at least one of the sub-accounts displayed on the web page via the client electronic device 10. One of them to make digital payments. In another implementation, the account sub-information also includes a permission setting. More specifically, before the processing unit 12 generates the sub-account selection request, it also first determines whether the permission setting included in each sub-account information includes a sub-account shared permission. The sub-account sharing authority indicates that the processing unit 12 has the authority to include the sub-account for selection by the client electronic device 10 when generating the sub-account selection request, that is, in the digital payment servers 20, the sub-account that contains the shared permissions of the sub-account can be provided to the customer to choose and make digital payments.

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 electronic device 10 , the processing unit 12 determines whether the selected reply contains one or more The selected sub-accounts respectively send a debit request to the digital payment server 20 corresponding to the selected sub-account or the selected sub-accounts. Each deduction request is a request to pay a deduction amount included in the deduction request from the selected sub-account, and the deduction amount is all or part of a payment amount instructed to be paid by the payment request. More specifically, the selected reply also includes payment information indicating that the selected sub-account or sub-accounts respectively pay all or part of the payment amount, and the processing unit 12 is based on including the selected sub-account or sub-accounts and The payment information generates the debit request or requests and sends them to the digital payment server 20 respectively, so that each digital payment server 20 can pay the debit request from the selected sub-account according to the debit request. Deduction amount.

Next, as shown in step S25, each digital payment server 20 pays the deduction amount from the corresponding selected sub-account according to the deduction request, and then sends a deduction success notification to the processing unit 12, and , the processing unit 12 also generates one or more transaction details corresponding to the or the deduction requests based on the or the successful deduction notifications, and transmits them to the digital payment server corresponding to each selected sub-account. Device 20.

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 digital payment server 20, and the processing unit 12 Or the feedback information is sent to the client electronic device 10 . The feedback information notifies the client electronic device 10 that the digital payment server 20 corresponding to the feedback information has remitted the feedback generated based on the debit amount to the selected sub-account. More specifically, after generating the successful deduction notification, each digital payment server 20 also generates the rebate and remits it to the selected sub-account, and after the rebate is successfully remitted to the selected sub-account. After entering the account, the digital payment server 20 generates the feedback information and transmits it to the processing unit 12 so that the processing unit 12 can transmit the feedback information to the client electronic device 10 .

In summary, the processing unit 12 of the digital payment integration server 1 can integrate the sub-account information to generate the sub-account selection request, and the processing unit 12 can generate the or the deductions based on the selection response. Request to make the digital payment server 20 corresponding to the selected sub-account pay the debit amount, so that the customer can use the digital payment server 20 in a single consumption The device 20 is used for transaction payment, providing the customer with flexibility and effective use of assets in different sub-accounts, so the purpose of the present invention can indeed be achieved.

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:Digital payment integration server 11:Storage unit 12: Processing unit 13: Communication unit 10: Client electronic device 20:Digital payment server S21~S26: Steps

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:Digital payment integration server

11:Storage unit

12: Processing unit

13: Communication unit

10: Client electronic device

20:Digital payment server

Claims (4)

A digital payment integration server adapted to communicate with a client electronic device for use by a customer and a plurality of digital payment servers, and includes: a storage unit; a processing unit electrically connected to the storage unit; and A communication unit electrically connected to the processing unit and enabling 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 a sub-account of the customer. 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. The digital payment integration server as described in claim 1, wherein 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 generates a transaction detail corresponding to the deduction request based on the deduction success notification and transmits it to the digital payment server. The digital payment integration server as described in request item 2, wherein 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 according to the A rebate generated from the debit amount has been remitted to the selected sub-account. The digital payment integration server as described in request item 1, wherein the processing unit also determines whether a permission setting included in each sub-account information includes a sub-account shared permission before generating the sub-account selection request, and based on The permission setting includes the sub-account information sharing permissions of the sub-account to generate the sub-account selection request.

Images