TWM652971U - System for facilitating mobile payments with shopping discount mechanisms - Google Patents

Abstract

The invention provides a system for mobile payment with a discount and charge mechanism, which includes a receiving module, a parsing module electrically connected to the receiving module, and a transaction switching module electrically connected to the parsing module. The receiving module receives a mobile payment code encoding a first transaction information, a second transaction information, and a discount information; the parsing module parses the first transaction information, which includes a payment operator information, and the payment operator information indicates a payment operator; the transaction switching module converts the first transaction information and the second transaction information into a format specified by the payment operator to obtain a third transaction information, and transmits the third transaction information to the payment operator for transaction.

Description

A system for mobile payment with a discount mechanism

This creation is about a system for mobile payment with a discounted payment mechanism.

Generally speaking, if merchants want to provide mobile payment as a payment method, they must cooperate with different mobile payment operators and integrate operations according to different mobile payment operators. For example, the merchant's payment device must install the transaction system of each mobile payment operator and must be updated from time to time.

In addition, the merchant's payment device (for example, POS system) usually cannot obtain the customer's membership or invoice carrier-related information from the transaction, so it may be necessary to ask the customer to present the merchant's membership barcode and/or in addition to the transaction barcode. or invoice carrier information. When merchants have cooperative activities with payment providers, there will also be a discount and reimbursement mechanism, such as allowing customers to use discount coupons through mobile device applications to obtain discounts on consumption costs.

Therefore, there is still an urgent need for a mobile payment system with a discount and fee mechanism that can integrate different mobile payment operators and their discount and fee mechanisms, and simplify processes such as returning invoices to customers, merchant membership points, etc.

In order to solve the aforementioned problems and achieve the purpose of creation, this creation provides a system for mobile payment with a discount payment mechanism, which includes a receiving module and an analysis module, which are electrically connected to the receiving module. and a transaction transfer module, electrically connected to the analysis module, wherein the receiving module receives a mobile payment code encoding a first transaction information, a second transaction information and a discount information, and the analysis module The group parses out the first transaction information, which includes a payment provider information. The payment provider information indicates a payment provider. The transaction transfer module converts the first transaction information and the second transaction information into the payment provider's information. Obtain a third transaction information in a specified format, and transmit the third transaction information to the payment operator for transaction.

In some specific embodiments of the present invention, the system for mobile payment with a discount mechanism is connected to a merchant end device, and the merchant end device is owned by a merchant. According to a specific embodiment, the mobile payment code and the second transaction information are received from the merchant end device. According to a specific embodiment, the discount information is received from the payment operator server, and the discount information is generated by the merchant end device and the payment operator server in cooperation.

In some specific embodiments of the present invention, the system for mobile payment with a discount payment mechanism is communicatively connected to a payment provider server, and the payment provider server is owned by the payment provider.

According to this invention, the third transaction information is sent to the payment provider server.

According to this creation, after confirmation by the payment provider's server, the transaction transfer module will receive the transaction result sent by the payment provider's server.

In some specific embodiments of the present invention, the first transaction information includes user information.

In some specific embodiments of this invention, the first transaction information includes user information, and the payment provider server can determine whether the paying user has set up invoice carrier binding based on the user information.

In some specific embodiments of this invention, the first transaction information includes user information, and the payment provider server can determine whether the paying user has set up the binding of the merchant's membership card based on the user information.

According to the invention, the second transaction information may include a discount code, a commodity item or a combination thereof. In some specific embodiments of the invention, the discount code, the commodity item or a combination thereof is used to determine whether the membership card obtains bonus points or whether the user (consumer) is eligible for other discounts.

According to this invention, the system for mobile payment with a discount payment mechanism is connected to an electronic device. In some embodiments of the present invention, the electronic device is installed with a software product provided by the payment provider's server, so that the discount information is transmitted from the electronic device to the receiving module through the software product.

Other purposes and advantages of this invention are partially described in the following description, or can be understood through the embodiments of this invention. It should be understood that the invention content of the foregoing text and the implementation methods below are only exemplary and explanatory descriptions, and do not limit this invention as the scope of the patent application.

Unless otherwise specified, all technical and scientific terms used herein have the same meanings as commonly understood by one of ordinary skill in the art to which this work belongs.

The words "one" and "B" used in this article, unless otherwise specified, refer to the quantity of at least one (one or more than one).

This invention provides a system for mobile payment with a discounted fee mechanism, which includes a receiving module, an analysis module electrically connected to the receiving module, and a transaction transfer module connected to the analysis module. The module is electrically connected, wherein the receiving module receives a mobile payment code encoding a first transaction information, a second transaction information and a discount information, and the parsing module parses out the first transaction information, which includes A payment provider information. The payment provider information indicates a payment provider. The transaction transfer module converts or translates the first transaction information and the second transaction information into a format specified by the payment provider to obtain a third transaction. information, and transmit the third transaction information to the payment operator for transaction.

The mobile payment system with a discount fee mechanism of this invention can be authenticated and identified based on the transaction information transmitted by the merchant-side (collection) device (e.g., POS system). After the authentication is completed, the transaction is controlled to be transferred to the corresponding payment operator for subsequent transactions based on the transmitted information, and the transaction results are returned to the merchant-side device.

The system for mobile payment with a discounted payment mechanism mainly includes three electrically connected modules: a receiving module, an analysis module and a transaction transfer module. The three modules can be implemented only by hardware circuits, or by software combined with hardware circuits. Among them, the receiving module can communicate with the merchant's device, and the transaction transfer module can communicate with the payment operator's server.

According to some specific embodiments of the present invention, the receiving module, the parsing module and the transaction switching module can be set in a server. In a specific embodiment, the server includes a plurality of hardware circuits electrically connected to each other, which are configured to be configured into a plurality of modules, and the modules include the receiving module, the parsing module and the transaction switching module. According to some specific embodiments of the present invention, the server is connected to the merchant end device in communication, and can also be further connected to the payment provider server in communication.

The "Merchants" mentioned in this article include physical contracted stores and online contracted stores (including personal device App contracted stores).

Non-limiting examples of "payment providers" mentioned in this article include: LINE Pay, Jiekou, Pi Wallet, Taishin Pay and Alipay.

In some specific embodiments of the present invention, the system for mobile payment with a discount payment mechanism is communicatively connected with a merchant-end (payment) device (eg, POS system), and the merchant-end device is owned by a merchant. According to a specific embodiment, the mobile payment code and the second transaction information are received from the merchant device.

According to the present invention, the mobile payment code includes but is not limited to a character code, a one-dimensional barcode, a two-dimensional barcode (for example, a quick response matrix code (QR code)) or a combination thereof. In a preferred specific embodiment of the present invention, the mobile payment code is a one-dimensional barcode or a two-dimensional barcode. In one example of the present invention, when a consumer is shopping at a merchant, he or she can choose to use a mobile payment service of a payment operator to pay for the consumption amount. A mobile payment code associated with the mobile payment operator can be displayed on the screen of the personal device by the consumer through the relevant App in his or her personal device, and then scanned by the merchant's end device and transmitted to the system for mobile payment with a discount and deduction mechanism of the present invention. In another example, the mobile payment code can also be provided to the merchant's end device in other ways (for example, using near field communication (NFC) technology).

According to the invention, the mobile payment code includes the original data obtained after the merchant device scans the barcode. In other words, the mobile payment code received by the receiving module can be the original data obtained after the merchant device scans the barcode or the encrypted original data.

In some specific embodiments of the present invention, the system for mobile payment with a discount fee mechanism is communicatively connected to a payment operator server, and the payment operator server is owned by the payment operator.

In some other specific embodiments, the system for mobile payment with a discount fee mechanism is communicatively connected to a merchant terminal device and is communicatively connected to a payment operator server.

In some specific embodiments of this invention, the first transaction information includes user information, and the payment provider server can determine whether the paying user has set up invoice carrier binding based on the user information, or can Based on the user information, it is determined whether the paying user has set up the binding of the membership card of the merchant.

According to this creation, the transaction transfer module converts the first transaction information and the second transaction information into the format specified by the payment provider, obtains the third transaction information, and transmits the third transaction information to the payment provider server to conduct the transaction. After confirmation by the payment provider server, the transaction transfer module will receive the transaction result transmitted by the payment provider server. In one example, if the user (consumer) has previously set up the invoice carrier binding in the payment provider's App, the payment provider server can confirm the binding based on the user information, register the invoice carrier, and transmit the invoice carrier-related information at the same time when transmitting the transaction result to the transaction transfer module. The transaction transfer module can then transmit the transaction result and invoice carrier-related information back to the merchant-end device.

According to this invention, the second transaction information may include a discount code, a product item or a combination thereof. In some specific embodiments of this invention, the discount code, the product item, or a combination thereof is used to determine whether the membership card obtains bonus points or whether the user is eligible for other discounts.

According to some specific embodiments of this invention, the third transaction information may include the user information, the discount code, the product item, or a combination thereof.

In some specific embodiments of the present invention, the system for mobile payment with a discount and fee mechanism further includes an account management module, which communicates with an account system to perform transaction settlement and remittance. The account system can remit funds to various merchants or reconcile/liquidate with the e-commerce payment system of various payment providers based on the account data provided by the account management module.

In some embodiments of the present invention, the system 100 for mobile payment with a discount charging mechanism is connected to the user's electronic device (eg, a smartphone). The electronic device is installed with a software product (eg, street payment) provided by the payment provider server 300, so that the discount information is transmitted from the electronic device to the receiving module 110 through the software product.

Referring to FIG. 1 , a preferred specific implementation example of the present invention's system for mobile payment with a discount offset mechanism is described below.

The system 100 for mobile payment with a discount and fee mechanism includes a receiving module 110 , a parsing module 120 and a transaction switching module 130. The parsing module 120 is electrically connected to the receiving module 110 , and the transaction switching module 130 is electrically connected to the parsing module 120. In addition, the system 100 for mobile payment with a discount and fee mechanism is communicatively connected to a merchant terminal device 200 and a payment provider server 300 .

When a consumer uses a personal device to make a mobile payment at a merchant where the merchant-end device 200 is located, the consumer presents a mobile payment code (e.g., a one-dimensional or two-dimensional barcode), which is scanned by the merchant-end device 200 and transmitted to the mobile payment facilitating system 100 (i.e., the second transaction information and discount information). In this specific embodiment, the second transaction information includes an activity discount code and information about the purchased merchandise items.

The receiving module 110 receives the mobile payment code and the second transaction information. Next, the parsing module 120 parses the first transaction information from the mobile payment code, which includes a payment provider information, and the payment provider information indicates a payment provider. In this specific embodiment, the payment provider is LINE Pay.

The transaction transfer module 130 converts or translates the first transaction information and the second transaction information into the format specified by LINE Pay to obtain the third transaction information. The system 100 (transaction transfer module 130 ) for mobile payment with a discount payment mechanism then transmits the third transaction information to the payment provider server 300 for transaction.

Among them, LINE Pay can cooperate with merchants to store customers' membership information and invoice carrier information or cooperative activity product items, or agree on discount codes.

After receiving the third transaction information, the payment provider server 300 can determine, based on the user information, whether the merchant has completed the LINE Pay "My Membership Card" cooperation connection and whether the consumer has set up a merchant membership card. If so, , you can directly perform member consumption points and other related operations. In addition, the payment provider server 300 can also determine whether the consumer has set up an invoice carrier binding based on the user information. If so, the invoice carrier can be returned to the account and the transaction result can be sent back to the system that facilitates mobile payment. 100 (transaction transfer module 130 ), the relevant information of the invoice carrier is also transmitted. The transaction transfer module 130 can then transmit the transaction results and invoice carrier related information back to the merchant device 200 .

On the other hand, the payment provider server 300 can determine whether the received promotional codes and/or product items are in line with the cooperative activity product items, and can obtain membership bonus points, or whether the user is applicable or can obtain Other benefits (for example, getting a higher percentage of LINE Pay reward points, or getting coupons).

When Jiekou Payment has cooperation activities with the merchant, the discount information is received from the payment operator's server 300 and is generated by the cooperation between the merchant's device 200 and the payment operator's server 300. For example, Jiekou Payment organizes for specific products. Discount activities allow users to reduce the amount required for transactions through discount coupons.

The user's electronic device (for example, a smartphone) is connected to the system 100 and is installed with a software product provided by the payment provider (for example, the above-mentioned Jiekou payment application). The user can click on the Jiekou payment application. The discount coupon obtained is discounted on the purchased item, and the discount information is sent to the receiving module 110 by the Jiekou payment application. The payment provider server 300 can determine whether the product items of the cooperation activities are qualified based on the received discount information, and can obtain a discount for the consumption amount.

100: A system for mobile payment with a discount and fee mechanism 110: Receiving module 120: Parsing module 130: Transaction transfer module 200: Merchant end device 300: Payment provider server

FIG1 is a structural diagram of a system for mobile payment with a discount offset mechanism of the present invention.

100 : A system for mobile payment with a discount mechanism

110 :Receive module

120 : Parsing module

130 : Transaction transfer module

200 : Merchant terminal device

300 : Payment provider server

Claims (18)

A system for mobile payment with a discount and charge mechanism, comprising: a receiving module; a parsing module electrically connected to the receiving module; and a transaction switching module electrically connected to the parsing module; wherein: the receiving module receives a mobile payment code encoding a first transaction information, a second transaction information and a discount information; the parsing module parses the first transaction information, which includes a payment operator information, and the payment operator information indicates a payment operator; the transaction switching module converts the first transaction information and the second transaction information into a format specified by the payment operator to obtain a third transaction information, and transmits the third transaction information to the payment operator for transaction. As claimed in claim 1, the system for mobile payment with discount charging mechanism is communicatively connected with a merchant-side device, and the merchant-side device is owned by a merchant. The system for mobile payment with a discounted payment mechanism as described in claim 2, wherein the mobile payment code and the second transaction information are received from the merchant device. The system for mobile payment with a discount fee mechanism as described in claim 1 is communicatively connected to a payment operator server, which is owned by the payment operator. The system for mobile payment with a discount fee mechanism as described in claim 2 is communicatively connected to a payment operator server, which is owned by the payment operator. The system for mobile payment with a discounted fee mechanism as described in claim 4, wherein the third transaction information is transmitted to the payment operator server. A system for mobile payment with a discount fee mechanism as described in claim 4, wherein the transaction switching module receives the transaction result transmitted by the payment operator server. A system for mobile payment with a discount fee mechanism as described in claim 1, wherein the first transaction information includes user information. As claimed in claim 4, the system for mobile payment with a discounted payment mechanism, wherein the first transaction information includes user information, and the payment provider server can determine whether the paying user has the information based on the user information. Set up invoice vehicle binding. As claimed in claim 5, the system for mobile payment with a discount payment mechanism, wherein the first transaction information includes user information, and the payment provider server can determine whether the payment user has Set the binding of the merchant's membership card. A system for mobile payment with a discount offset mechanism as described in claim 1, 4 or 5, wherein the second transaction information includes a discount code, a product item or a combination thereof. As claimed in claim 10, the system for mobile payment with discount charging mechanism, wherein the second transaction information includes a discount code, a product item or a combination thereof. A system for mobile payment with a discount payment mechanism as described in request item 12, wherein the discount code, the product item or a combination thereof is used to determine whether the membership card obtains bonus points or whether the user is eligible Other offers. A system for mobile payment with a discount fee mechanism as described in claim 5, wherein the discount information is received from the payment operator server. As claimed in claim 14, the system for mobile payment with a discount charging mechanism, wherein the discount information is generated by cooperation between the merchant device and the payment provider server. A system for mobile payment with a discount offset mechanism as described in claim 14, which is connected to an electronic device. A system for mobile payment with a discount fee mechanism as described in claim 16, wherein the electronic device is installed with a software product provided by the payment operator's server. A system for mobile payment with a discount fee mechanism as described in claim 17, wherein the discount information is transmitted from the electronic device to the receiving module via the software product.

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