TWM656580U - One-stop mobile payment system - Google Patents

One-stop mobile payment system Download PDF

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Publication number
TWM656580U
TWM656580U TW113200063U TW113200063U TWM656580U TW M656580 U TWM656580 U TW M656580U TW 113200063 U TW113200063 U TW 113200063U TW 113200063 U TW113200063 U TW 113200063U TW M656580 U TWM656580 U TW M656580U
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Taiwan
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bank
side computer
processing unit
payment
verification
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TW113200063U
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Chinese (zh)
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李宛靜
蕭雅琴
陳國屏
陳彥志
林宛萱
張宇丞
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國泰世華商業銀行股份有限公司
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Publication of TWM656580U publication Critical patent/TWM656580U/en

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一種一站式行動支付系統，包括能與一行動通訊裝置及複數銀行端電腦裝置連線的通訊單元及處理單元；處理單元透過通訊單元傳送包含行動通訊裝置輸入的一身份識別資訊及一銀行的行動支付綁定請求給該銀行對應的銀行端電腦裝置，並於收到銀行端電腦裝置傳來接受綁定通知後，傳送包含行動通訊裝置輸入的一待驗證資料的驗證請求給銀行端電腦裝置，並於收到銀行端電腦裝置傳來通過驗證通知後，傳送行動通訊裝置輸入的一授權扣款帳號給銀行端電腦裝置，並傳送行動通訊裝置輸入的一單次驗證碼給銀行端電腦裝置，且於收到銀行端電腦裝置傳來驗證成功通知後，傳送授權成功通知給行動通訊裝置。A one-stop mobile payment system includes a communication unit and a processing unit that can be connected to a mobile communication device and a plurality of bank-side computer devices; the processing unit transmits an identity information input by the mobile communication device and a bank's mobile payment binding request to the bank-side computer device corresponding to the bank through the communication unit, and after receiving the binding acceptance notification sent by the bank-side computer device, transmits a mobile communication device containing the identity information input by the mobile communication device and a bank's mobile payment binding request to the bank-side computer device corresponding to the bank. A verification request of the input data to be verified is sent to the bank-side computer device, and after receiving a verification notification from the bank-side computer device, an authorized debit account number input by the mobile communication device is sent to the bank-side computer device, and a one-time verification code input by the mobile communication device is sent to the bank-side computer device, and after receiving a verification success notification from the bank-side computer device, an authorization success notification is sent to the mobile communication device.

Description

一站式行動支付系統One-stop mobile payment system

本新型是有關於一種行動支付系統，特別是指一種以銀行帳號做為行動支付的一站式行動支付系統。 This novel invention relates to a mobile payment system, in particular to a one-stop mobile payment system that uses a bank account as a mobile payment.

一般消費者要使用行動支付時，通常需要先在其智慧型手機中安裝電子支付或第三方支付業者的應用程式(APP)，例如街口、全支付、LINE PAY、悠遊付...等，或者安裝並開啟具有銀行帳戶(帳號)的銀行的網銀(網路銀行)應用程式。此外，商家也需要和電支或第三方支付業者簽約並支付高額簽約金，而且需要電支或第三方支付業者另行撥付款項，對消費者和商家而言並不便利也無法馬上完成付款和收款的動作。 When consumers want to use mobile payment, they usually need to install electronic payment or third-party payment service providers' applications (APPs) on their smartphones, such as Jiekou, Quanfuzhi, LINE PAY, EasyPay, etc., or install and open the online banking application of a bank with a bank account (account number). In addition, merchants also need to sign a contract with the electronic payment or third-party payment service provider and pay a high contract fee, and the electronic payment or third-party payment service provider needs to transfer the payment separately, which is not convenient for consumers and merchants and they cannot complete the payment and collection actions immediately.

因此，本新型之目的，即在提供一種一站式行動支付系統，其讓使用者無需在其行動通訊裝置中安裝電子支付或第三方支付業者的應用程式或銀行的網銀應用程式，只需透過其行動通訊裝置在商家提供的線上平台綁定一銀行帳號，即可以該銀行帳號做為與商家交易時進行行動支付的管道。 Therefore, the purpose of this new model is to provide a one-stop mobile payment system, which allows users to install electronic payment or third-party payment applications or bank online banking applications on their mobile communication devices without the need for them to do so. They only need to bind a bank account on the online platform provided by the merchant through their mobile communication device, and then use the bank account as a channel for mobile payment when transacting with the merchant.

於是，本新型一種一站式行動支付系統，應用於一商家並與一使用者的一行動通訊裝置及複數家銀行各自的一銀行端電腦裝置通訊，並包括一通訊單元及一處理單元；該通訊單元能與該行動通訊裝置及該等銀行端電腦裝置連線；該處理單元與該通訊單元電連接以透過該通訊單元與該行動通訊裝置及該等銀行端電腦裝置通訊。 Therefore, the new one-stop mobile payment system is applied to a merchant and communicates with a mobile communication device of a user and a bank-side computer device of each of a plurality of banks, and includes a communication unit and a processing unit; the communication unit can be connected to the mobile communication device and the bank-side computer devices; the processing unit is electrically connected to the communication unit to communicate with the mobile communication device and the bank-side computer devices through the communication unit.

該處理單元提供一行動支付綁定申請頁面給該行動通訊裝置，該行動支付綁定申請頁面供輸入一身份識別資訊並供從該等銀行中選擇一銀行做為欲綁定帳戶的銀行，且該處理單元傳送一包含該身份識別資訊的行動支付綁定請求給被選擇的該銀行對應的該銀行端電腦裝置。 The processing unit provides a mobile payment binding application page to the mobile communication device, the mobile payment binding application page allows the user to input identification information and select a bank from the banks as the bank to bind the account, and the processing unit transmits a mobile payment binding request including the identification information to the bank-side computer device corresponding to the selected bank.

該處理單元收到該銀行端電腦裝置傳來之回應該行動支付綁定請求的一接受綁定通知後，該處理單元提供一驗證資料輸入頁面給該行動通訊裝置，該驗證資料輸入頁面供輸入該使用者的一待驗證資料，且該處理單元傳送一包含該待驗證資料的驗證請求給該銀行端電腦裝置。 After the processing unit receives a binding acceptance notification in response to the mobile payment binding request from the bank-side computer device, the processing unit provides a verification data input page to the mobile communication device, the verification data input page is used to input the user's data to be verified, and the processing unit transmits a verification request including the data to be verified to the bank-side computer device.

該處理單元收到該銀行端電腦裝置傳來之回應該驗證請求的一通過驗證通知後，該處理單元提供一授權頁面給該行動通訊裝置，該授權頁面供輸入被選擇的該銀行的一授權扣款帳號，且該處理單元傳送該授權扣款帳號給該銀行端電腦裝置。 After the processing unit receives a verification notification from the bank-side computer device in response to the verification request, the processing unit provides an authorization page to the mobile communication device, the authorization page is used to input an authorized deduction account number of the selected bank, and the processing unit transmits the authorized deduction account number to the bank-side computer device.

該處理單元提供一單次驗證頁面給該行動通訊裝置，該單次驗證頁面要求輸入一單次驗證碼，且該處理單元傳送該單次驗證碼給該銀行端電腦裝置，並於收到該銀行端電腦裝置傳來之與該單次驗證碼相關的一驗證成功通知後，傳送一授權成功通知給該行動通訊裝置，使該行動通訊裝置顯示的一付款頁面包含與被選擇的該銀行的該授權扣款帳號對應的一付款選項。 The processing unit provides a one-time verification page to the mobile communication device, the one-time verification page requires input of a one-time verification code, and the processing unit transmits the one-time verification code to the bank-side computer device, and after receiving a verification success notification related to the one-time verification code from the bank-side computer device, transmits an authorization success notification to the mobile communication device, so that a payment page displayed by the mobile communication device includes a payment option corresponding to the authorized debit account of the selected bank.

在本新型的一些實施態樣中，該商家具有該等銀行其中一銀行的一銀行帳號，且該行動支付綁定請求、該接受綁定請求、該驗證請求、該通過驗證通知、該授權扣款帳號、該單次驗證碼及該驗證成功通知是透過該銀行傳送。 In some embodiments of the present invention, the merchant has a bank account of one of the banks, and the mobile payment binding request, the binding acceptance request, the verification request, the verification notification, the authorized debit account, the one-time verification code and the verification success notification are sent by the bank.

在本新型的一些實施態樣中，該身份識別資訊包含該使用者的身份識別碼和留存於被選擇的該銀行(開戶銀行)的手機號碼，且該銀行端電腦裝置根據該身份識別資訊確認該使用者在被選擇的該銀行有開設帳號後，傳送該接受綁定通知給該處理單元。 In some embodiments of the present invention, the identification information includes the user's identification code and the mobile phone number stored in the selected bank (the bank where the account is opened), and the bank-side computer device sends the binding acceptance notification to the processing unit after confirming that the user has opened an account in the selected bank based on the identification information.

在本新型的一些實施態樣中，該待驗證資料包含該使用者之供該銀行端電腦裝置驗證的身份識別碼、用戶代號及網銀密碼，且該銀行端電腦裝置驗證該待驗證資料正確後，傳送該通過驗證通知給該處理單元。 In some implementations of the present invention, the data to be verified includes the user's identity code, user code and online banking password for verification by the bank-side computer device, and after the bank-side computer device verifies that the data to be verified is correct, it transmits the verification notification to the processing unit.

在本新型的一些實施態樣中，該銀行端電腦裝置驗證該單次驗證碼與其透過簡訊傳送給該行動通訊裝置的一單次驗證碼 一致後，傳送該驗證成功通知給該處理單元。 In some implementations of the present invention, the bank-side computer device verifies that the one-time verification code is consistent with a one-time verification code sent to the mobile communication device via SMS, and then sends the verification success notification to the processing unit.

在本新型的一些實施態樣中，該付款選項被點選後，該行動通訊裝置傳送一包含一付款金額的付款指令給該處理單元，該處理單元根據該付款指令傳送一包含該付款金額、該授權扣款帳號和該商家的該銀行帳號的扣款指令給該銀行端電腦裝置，該銀行端電腦裝置根據該扣款指令判斷該授權扣款帳號中的餘額足以支付該付款金額後，從該授權扣款帳號中轉出該付款金額至該商家的該銀行帳號，並傳送一付款成功通知給該處理單元，且該處理單元根據該付款成功通知傳送一包含一交易項目及該付款金額的完成交易通知給該行動通訊裝置。 In some embodiments of the present invention, after the payment option is clicked, the mobile communication device transmits a payment instruction including a payment amount to the processing unit, and the processing unit transmits a deduction instruction including the payment amount, the authorized deduction account and the bank account of the merchant to the bank-side computer device according to the payment instruction. After the bank-side computer device determines that the balance in the authorized deduction account is sufficient to pay the payment amount according to the deduction instruction, it transfers the payment amount from the authorized deduction account to the bank account of the merchant and transmits a payment success notification to the processing unit, and the processing unit transmits a transaction completion notification including a transaction item and the payment amount to the mobile communication device according to the payment success notification.

本新型之功效在於：藉由在商家端的該一站式行動支付系統中設定與該行動通訊裝置綁定之某一銀行的一授權扣款帳號，該行動通訊裝置的使用者透過該行動通訊裝置在該一站式行動支付系統中進行交易(例如轉帳、付費)並指示付款時，只需點選與該授權扣款帳號對應的該付款選項，即可完成付款的動作而完成交易。 The function of the present invention is that by setting an authorized debit account of a bank bound to the mobile communication device in the one-stop mobile payment system of the merchant, when the user of the mobile communication device conducts a transaction (such as transfer, payment) in the one-stop mobile payment system through the mobile communication device and instructs payment, he only needs to click the payment option corresponding to the authorized debit account to complete the payment action and complete the transaction.

1:一站式行動支付系統 1: One-stop mobile payment system

11:通訊單元 11: Communication unit

12:處理單元 12: Processing unit

2:行動通訊裝置 2: Mobile communication devices

3:銀行端電腦裝置 3: Bank computer device

41:行動支付綁定申請頁面 41: Mobile payment binding application page

42:驗證資料輸入頁面 42: Verification data input page

43:授權頁面 43: Authorization page

44:單次驗證頁面 44: One-time verification page

45:付款頁面 45: Payment page

46:”一鍵轉帳”選項 46: "One-click transfer" option

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顯示，其中：圖1是本新型一站式行動支付系統的一實施例的主要組成元 件方塊示意圖；圖2是本實施例之一站式行動支付系統提供給該行動通訊裝置的一行動支付綁定申請頁面的示意圖；圖3是本實施例之一站式行動支付系統提供給該行動通訊裝置的一驗證資料輸入頁面的示意圖；圖4是本實施例之一站式行動支付系統提供給該行動通訊裝置的一授權頁面的示意圖；圖5是本實施例之一站式行動支付系統提供給該行動通訊裝置的一單次驗證頁面的示意圖；及圖6是本實施例之行動通訊裝置顯示的一付款頁面的示意圖。 Other features and functions of the present invention will be clearly shown in the implementation method with reference to the drawings, wherein: FIG. 1 is a schematic diagram of the main components of an embodiment of the present one-stop mobile payment system; FIG. 2 is a schematic diagram of a mobile payment binding application page provided to the mobile communication device by the one-stop mobile payment system of the present embodiment; FIG. 3 is a schematic diagram of a verification data input page provided to the mobile communication device by the one-stop mobile payment system of the present embodiment; FIG. 4 is a schematic diagram of an authorization page provided to the mobile communication device by the one-stop mobile payment system of the present embodiment; FIG. 5 is a schematic diagram of a single verification page provided to the mobile communication device by the one-stop mobile payment system of the present embodiment; and FIG. 6 is a schematic diagram of a payment page displayed by the mobile communication device of the present embodiment.

在本新型被詳細描述之前，應當注意在以下的說明內容中，類似的元件是以相同的編號來表示。 Before the present invention is described in detail, it should be noted that similar components are represented by the same numbers in the following description.

參閱圖1所示，是本新型一站式行動支付系統1的一實施例，它是由一商家(業者，例如但不限於金融業、醫療院所、診所藥局、線上購物、集運物流、線上租賃...等)提供的一架設在網路上做為一伺服器的電腦裝置，且能讓一使用者的一行動通訊裝置2(例如但不限於智慧型手機)以及複數家銀行(例如A銀行、B銀行...X銀行等)各自的一銀行端電腦裝置3透過網際網路與其連線， 而與該行動通訊裝置2及該等銀行端電腦裝置3通訊。 Referring to FIG. 1 , an embodiment of the novel one-stop mobile payment system 1 is provided by a merchant (business operator, such as but not limited to the financial industry, medical institutions, clinics and pharmacies, online shopping, logistics, online leasing, etc.) and is a computer device installed on the Internet as a server, and allows a user's mobile communication device 2 (such as but not limited to a smart phone) and a bank-side computer device 3 of a plurality of banks (such as Bank A, Bank B, Bank X, etc.) to connect to it through the Internet, and communicate with the mobile communication device 2 and the bank-side computer devices 3.

該一站式行動支付系統1主要包括一通訊單元11及一處理單元12。該通訊單元11是一網路通訊媒介，例如網路卡等，其能透過網路通訊業者提供的通訊網路及相關通訊架構與該行動通訊裝置2及該等銀行端電腦裝置3建立一通訊管道。 The one-stop mobile payment system 1 mainly includes a communication unit 11 and a processing unit 12. The communication unit 11 is a network communication medium, such as a network card, etc., which can establish a communication channel with the mobile communication device 2 and the bank-side computer devices 3 through the communication network and related communication architecture provided by the network communication operator.

該處理單元12是例如中央處理器，其與該通訊單元11電連接，並根據該行動通訊裝置2的請求，透過該通訊單元11提供如圖2所示的一行動支付綁定申請頁面41給該行動通訊裝置2；例如該行動通訊裝置2藉由該使用者操作而執行一應用程式並與該一站式行動支付系統1連線或者該行動通訊裝置2藉由該使用者操作而直接登入該一站式行動支付系統1在網路架設的一交易網站(例如購物網站、繳費/稅網站、線上租賃網站...等)後，該行動通訊裝置2根據該使用者的操作傳送一綁定銀行帳戶請求給該一站式行動支付系統1後，該處理單元12提供該行動支付綁定申請頁面41給該行動通訊裝置2。 The processing unit 12 is, for example, a central processing unit, which is electrically connected to the communication unit 11, and provides a mobile payment binding application page 41 as shown in FIG. 2 to the mobile communication device 2 through the communication unit 11 according to the request of the mobile communication device 2; for example, the mobile communication device 2 executes an application program through the user's operation and connects to the one-stop mobile payment system 1, or the mobile communication device 2 connects to the one-stop mobile payment system 1 through the communication unit 11. After the user directly logs into a transaction website (such as a shopping website, a payment/tax website, an online rental website, etc.) set up on the network by the one-stop mobile payment system 1, the mobile communication device 2 transmits a bank account binding request to the one-stop mobile payment system 1 according to the user's operation, and the processing unit 12 provides the mobile payment binding application page 41 to the mobile communication device 2.

該行動支付綁定申請頁面41供輸入一身份識別資訊，該身份識別資訊包含例如圖2所示之該使用者的身份識別碼(身分證字號)和該使用者在一欲綁定帳戶的銀行(例如A銀行)留存的手機號碼以及從該行動支付綁定申請頁面41顯示的該等銀行中選擇的一做為欲綁定帳戶的銀行，例如A銀行。然後該處理單元12傳 送一包含該身份識別資訊的行動支付綁定請求給被選擇的該銀行(A銀行)的該銀行端電腦裝置3。 The mobile payment binding application page 41 is for inputting an identification information, which includes, for example, the user's identification code (identity card number) as shown in FIG. 2 and the mobile phone number retained by the user in a bank to which an account is to be bound (e.g., Bank A), and a bank selected from the banks displayed on the mobile payment binding application page 41 as the bank to which the account is to be bound, such as Bank A. Then the processing unit 12 transmits a mobile payment binding request containing the identification information to the bank-side computer device 3 of the selected bank (Bank A).

被選擇的該銀行(A銀行)的該銀行端電腦裝置3收到該行動支付綁定請求後，根據行動支付綁定請求包含的該身份識別資訊確認該使用者是否在被選擇的該銀行(A銀行)有開設帳號(帳戶)，若有，則傳送一接受綁定通知給該一站式行動支付系統1。 After receiving the mobile payment binding request, the bank-side computer device 3 of the selected bank (Bank A) confirms whether the user has opened an account in the selected bank (Bank A) according to the identity information contained in the mobile payment binding request. If yes, a binding acceptance notification is sent to the one-stop mobile payment system 1.

該處理單元12收到被選擇的該銀行(A銀行)的該銀行端電腦裝置3傳來之回應該行動支付綁定請求的該接受綁定通知後，如圖3所示，該處理單元12提供一驗證資料輸入頁面42給該行動通訊裝置2，該驗證資料輸入頁面42要求該使用者輸入該使用者的一待驗證資料，例如該使用者之供A銀行的該銀行端電腦裝置3驗證的身份識別碼(身分證字號)、用戶代號(例如帳戶名稱)及網銀密碼(例如該使用者先前已在A銀行註冊之登入A銀行之網路銀行的密碼)，然後，該處理單元12傳送一包含該待驗證資料的驗證請求給A銀行的該銀行端電腦裝置3。 After the processing unit 12 receives the binding acceptance notification in response to the mobile payment binding request from the bank-side computer device 3 of the selected bank (Bank A), as shown in FIG. 3 , the processing unit 12 provides a verification data input page 42 to the mobile communication device 2. The verification data input page 42 requires the user to input the user's verification data, such as the The user's identity code (ID number), user code (such as account name) and online banking password (such as the password for logging into the online banking of Bank A that the user has previously registered with Bank A) for verification by the bank-side computer device 3 of Bank A. Then, the processing unit 12 transmits a verification request containing the data to be verified to the bank-side computer device 3 of Bank A.

A銀行的該銀行端電腦裝置3收到該驗證請求後，驗證該待驗證資料正確後，傳送一通過驗證通知給該一站式行動支付系統1。該處理單元12收到A銀行的該銀行端電腦裝置3傳來之回應該驗證請求的該通過驗證通知後，該處理單元12提供如圖4所示的一授權頁面43給該行動通訊裝置2，該授權頁面43要求該使 用者輸入A銀行的一授權扣款帳號，例如該授權頁面43顯示至少一個帳號供該使用者從中選取一個帳號做為該授權扣款帳號；該至少一個帳號是該使用者在A銀行開設的帳號，且A銀行的該銀行端電腦裝置3回傳的該通過驗證通知包含該至少一個帳號。然後，該處理單元12傳送該授權扣款帳號給A銀行的該銀行端電腦裝置3。此外，該授權頁面43還可顯示該授權扣款帳號所對應的一交易項目(例如轉帳對象、付款項目、繳費項目等)，亦即該授權扣款帳號只限於支付該交易項目。 After receiving the verification request, the bank-side computer device 3 of Bank A verifies that the data to be verified is correct and then sends a verification pass notification to the one-stop mobile payment system 1. After the processing unit 12 receives the verification notification in response to the verification request from the bank-side computer device 3 of Bank A, the processing unit 12 provides an authorization page 43 as shown in FIG. 4 to the mobile communication device 2. The authorization page 43 requires the user to enter an authorized debit account of Bank A. For example, the authorization page 43 displays at least one account for the user to select an account as the authorized debit account; the at least one account is an account opened by the user at Bank A, and the verification notification returned by the bank-side computer device 3 of Bank A includes the at least one account. Then, the processing unit 12 transmits the authorized debit account to the bank-side computer device 3 of Bank A. In addition, the authorization page 43 can also display a transaction item (such as the transfer object, payment item, payment item, etc.) corresponding to the authorized deduction account, that is, the authorized deduction account is limited to paying for the transaction item.

A銀行的該銀行端電腦裝置3收到該授權扣款帳號後，為確認該授權扣款帳號確實由該使用者提供，A銀行的該銀行端電腦裝置3會以該使用者留存於A銀行的手機號碼傳送一包含一單次驗證碼(又稱一次性密碼、動態密碼，One-time password，簡稱OTP)的簡訊給該使用者的該行動通訊裝置2；因此，該處理單元12提供如圖5所示的一單次驗證頁面44給該行動通訊裝置2，該單次驗證頁面44要求輸入一單次驗證碼(即該行動通訊裝置2收到的簡訊中的該單次驗證碼)，然後該處理單元12傳送該單次驗證碼給A銀行的該銀行端電腦裝置3，A銀行的該銀行端電腦裝置3驗證該處理單元12提供的該單次驗證碼與其透過簡訊傳送給該行動通訊裝置2的該單次驗證碼一致後，傳送一驗證成功通知給該處理單元12，該處理單元12於收到該驗證成功通知後，將該行動通 訊裝置2與授權扣款帳號進行綁定，並傳送一授權成功通知給該行動通訊裝置2。此外，該單次驗證頁面44還顯示該授權扣款帳號所對應的該交易項目(例如轉帳對象、付款項目、繳費項目等)供該使用者確認該授權扣款帳號只限於支付該交易項目。 After receiving the authorized deduction account number, the bank-side computer device 3 of Bank A will send a text message containing a one-time verification code (also known as a one-time password, dynamic password, One-time password, abbreviated as OTP) to the mobile communication device 2 of the user using the mobile phone number of the user stored in Bank A to confirm that the authorized deduction account number is indeed provided by the user; therefore, the processing unit 12 provides a one-time verification page 44 as shown in FIG. 5 to the mobile communication device 2, and the one-time verification page 44 requires input of a one-time verification code (i.e., the one-time verification code in the text message received by the mobile communication device 2), and then the processing unit 12 transmits the one-time verification code to the bank-side computer device 3 of Bank A. Device 3, the bank-side computer device 3 of Bank A verifies that the one-time verification code provided by the processing unit 12 is consistent with the one-time verification code sent to the mobile communication device 2 via SMS, and sends a verification success notification to the processing unit 12. After receiving the verification success notification, the processing unit 12 binds the mobile communication device 2 with the authorized deduction account and sends an authorization success notification to the mobile communication device 2. In addition, the one-time verification page 44 also displays the transaction item corresponding to the authorized deduction account (such as the transfer object, payment item, payment item, etc.) for the user to confirm that the authorized deduction account is limited to paying the transaction item.

值得一提的是，該商家具有該等銀行其中一銀行，例如B銀行的一銀行帳號，且上述的該行動支付綁定請求、該驗證請求、該授權扣款帳號、該單次驗證碼是由該一站式行動支付系統1透過B銀行的該銀行端電腦裝置3以及一金融主管機關(例如票據交換所)的電腦主機(圖未示)傳送至A銀行的該銀行端電腦裝置3，該接受綁定請求、該通過驗證通知及該驗證成功通知是由A銀行的該銀行端電腦裝置3透過該金融主管機關(票據交換所)的電腦主機和B銀行的該銀行端電腦裝置3傳送至該一站式行動支付系統1。 It is worth mentioning that the merchant has a bank account of one of the banks, such as Bank B, and the mobile payment binding request, verification request, authorized deduction account, and single verification code are transmitted by the one-stop mobile payment system 1 to the bank-side computer device 3 of Bank A through the bank-side computer device 3 of Bank B and a computer host of a financial authority (such as a clearing house) (not shown), and the acceptance of the binding request, the verification notification, and the verification success notification are transmitted by the bank-side computer device 3 of Bank A through the computer host of the financial authority (clearing house) and the bank-side computer device 3 of Bank B to the one-stop mobile payment system 1.

且該行動通訊裝置2收到該授權成功通知後，當該使用者透過該行動通訊裝置2與該商家的該一站式行動支付系統1進行交易(例如轉帳、付費)並指示付款時，該行動通訊裝置2將顯示如圖6所示的一付款頁面45，該付款頁面45顯示的付款方式中會包含與A銀行的該授權扣款帳號對應的一付款選項，例如圖6所示的”一鍵轉帳”選項46。 After the mobile communication device 2 receives the authorization success notification, when the user conducts a transaction (such as transfer, payment) with the merchant's one-stop mobile payment system 1 through the mobile communication device 2 and instructs payment, the mobile communication device 2 will display a payment page 45 as shown in FIG6. The payment method displayed on the payment page 45 will include a payment option corresponding to the authorized debit account of Bank A, such as the "one-click transfer" option 46 shown in FIG6.

該使用者在該行動通訊裝置2點選該”一鍵轉帳”選項46，該行動通訊裝置2即傳送一包含一付款金額的付款指令給該處 理單元12，該處理單元12收到該付款指令後，取得與該行動通訊裝置2綁定的該授權扣款帳號，然後傳送一包含該付款金額、該授權扣款帳號和該商家的該銀行帳號(即前述舉例在B銀行的該銀行帳號)的扣款指令給A銀行的該銀行端電腦裝置3，A銀行的該銀行端電腦裝置3收到該扣款指令後，判斷該扣款指令包含的該授權扣款帳號中的餘額足以支付該付款金額後，即從該授權扣款帳號中轉出該付款金額至該商家的該銀行帳號，並傳送一付款成功通知給該處理單元12，且該處理單元12根據該付款成功通知傳送一包含一交易項目(例如轉帳對象、付款項目、繳費項目等)及該付款金額的完成交易通知給該行動通訊裝置2。 The user clicks the "one-click transfer" option 46 on the mobile communication device 2, and the mobile communication device 2 transmits a payment instruction including a payment amount to the processing unit 12. After receiving the payment instruction, the processing unit 12 obtains the authorized debit account number bound to the mobile communication device 2, and then transmits a debit instruction including the payment amount, the authorized debit account number and the bank account number of the merchant (i.e., the bank account number of Bank B in the above example) to the bank-side computer device 3 of Bank A. Bank A After receiving the deduction instruction, the bank-side computer device 3 of the bank determines that the balance in the authorized deduction account contained in the deduction instruction is sufficient to pay the payment amount, and then transfers the payment amount from the authorized deduction account to the bank account of the merchant, and sends a payment success notification to the processing unit 12. The processing unit 12 sends a transaction completion notification including a transaction item (such as a transfer object, payment item, payment item, etc.) and the payment amount to the mobile communication device 2 according to the payment success notification.

反之，若A銀行的該銀行端電腦裝置3判斷該授權扣款帳號中的餘額不足以支付該付款金額，即傳送一指示餘額不足的付款失敗通知給該處理單元12，並由該處理單元12根據該付款失敗通知傳送一指示餘額不足的交易失敗通知給該行動通訊裝置2。 On the contrary, if the bank-side computer device 3 of Bank A determines that the balance in the authorized debit account is insufficient to pay the payment amount, it sends a payment failure notification indicating insufficient balance to the processing unit 12, and the processing unit 12 sends a transaction failure notification indicating insufficient balance to the mobile communication device 2 based on the payment failure notification.

綜上所述，本實施例藉由在商家端的該一站式行動支付系統1中設定與該行動通訊裝置2綁定之某一銀行的一授權扣款帳號，該行動通訊裝置2的使用者透過該行動通訊裝置2在該一站式行動支付系統1中進行交易(例如轉帳、付費)並指示付款時，只需點選與該授權扣款帳號對應的該付款選項，即可完成付款的動作而完成交易；藉此，使用者(消費者)要使用行動支付時，除了無需 預先安裝電支或第三方支付業者的應用程式(：街口、全支付、LINE PAY、悠遊付...)，也無需離開商家的線上網站去另外開啟其他銀行網銀應用程式，即可24小時全天候進行安全又即時的購物/繳費(稅)服務。而且，商家無須和電支或第三方支付業者簽約並支付高額簽約金，且商家可以即時收到款項而無須透過電支或第三方支付業者另行撥付款項，確實達成本新型一站式行動支付的功效與目的。 In summary, in this embodiment, an authorized debit account of a bank bound to the mobile communication device 2 is set in the one-stop mobile payment system 1 of the merchant side. When the user of the mobile communication device 2 conducts a transaction (such as transfer, payment) in the one-stop mobile payment system 1 through the mobile communication device 2 and instructs payment, he only needs to click the payment option corresponding to the authorized debit account to complete the payment action and complete the transaction; thereby, when the user (consumer) wants to use mobile payment, he does not need to pre-install the application of the electric payment or third-party payment operator (such as Jiekou, Quanpay, LINE PAY, EasyPay, etc.), and there is no need to leave the merchant's online website to open other bank online banking applications, and you can enjoy safe and instant shopping/payment (tax) services 24 hours a day. In addition, merchants do not need to sign a contract with electronic payment or third-party payment operators and pay high contract fees, and merchants can receive funds instantly without having to transfer funds through electronic payment or third-party payment operators, which truly achieves the function and purpose of this new one-stop mobile payment.

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 is only an example of the implementation of this new model, and it cannot be used to limit the scope of the implementation of this new model. All simple equivalent changes and modifications made according to the scope of the patent application of this new model and the content of the patent specification are still within the scope of this new patent.

1:一站式行動支付系統 1: One-stop mobile payment system

11:通訊單元 11: Communication unit

12:處理單元 12: Processing unit

2:行動通訊裝置 2: Mobile communication devices

3:銀行端電腦裝置 3: Bank computer device

Claims (6)

一種一站式行動支付系統，應用於一商家並與一使用者的一行動通訊裝置及複數家銀行各自的一銀行端電腦裝置通訊，並包括： 一通訊單元，其能與該行動通訊裝置及該等銀行端電腦裝置連線；及 一處理單元，其與該通訊單元電連接以透過該通訊單元與該行動通訊裝置及該等銀行端電腦裝置通訊；其中 該處理單元提供一行動支付綁定申請頁面給該行動通訊裝置，該行動支付綁定申請頁面供輸入一身份識別資訊並供從該等銀行中選擇一銀行做為欲綁定帳戶的銀行，且該處理單元傳送一包含該身份識別資訊的行動支付綁定請求給被選擇的該銀行對應的該銀行端電腦裝置； 該處理單元收到該銀行端電腦裝置傳來之回應該行動支付綁定請求的一接受綁定通知後，該處理單元提供一驗證資料輸入頁面給該行動通訊裝置，該驗證資料輸入頁面供輸入該使用者的一待驗證資料，且該處理單元傳送一包含該待驗證資料的驗證請求給該銀行端電腦裝置； 該處理單元收到該銀行端電腦裝置傳來之回應該驗證請求的一通過驗證通知後，該處理單元提供一授權頁面給該行動通訊裝置，該授權頁面供輸入被選擇的該銀行的一授權扣款帳號，且該處理單元傳送該授權扣款帳號給該銀行端電腦裝置； 該處理單元提供一單次驗證頁面給該行動通訊裝置，該單次驗證頁面要求輸入一單次驗證碼，且該處理單元傳送該單次驗證碼給該銀行端電腦裝置，並於收到該銀行端電腦裝置傳來之與該單次驗證碼相關的一驗證成功通知後，傳送一授權成功通知給該行動通訊裝置，使該行動通訊裝置顯示的一付款頁面包含與被選擇的該銀行的該授權扣款帳號對應的一付款選項。 A one-stop mobile payment system is applied to a merchant and communicates with a mobile communication device of a user and a bank-side computer device of each of a plurality of banks, and comprises: a communication unit, which can be connected to the mobile communication device and the bank-side computer devices; and a processing unit, which is electrically connected to the communication unit to communicate with the mobile communication device and the bank-side computer devices through the communication unit; wherein The processing unit provides a mobile payment binding application page to the mobile communication device, the mobile payment binding application page allows the user to input identity information and select a bank from the banks as the bank to bind the account, and the processing unit transmits a mobile payment binding request including the identity information to the bank-side computer device corresponding to the selected bank; After the processing unit receives a binding acceptance notification from the bank-side computer device in response to the mobile payment binding request, the processing unit provides a verification data input page to the mobile communication device, the verification data input page is for inputting the user's verification data, and the processing unit transmits a verification request including the verification data to the bank-side computer device; After the processing unit receives a verification pass notification from the bank-side computer device in response to the verification request, the processing unit provides an authorization page to the mobile communication device, the authorization page is for inputting an authorized deduction account of the selected bank, and the processing unit transmits the authorized deduction account to the bank-side computer device; The processing unit provides a one-time verification page to the mobile communication device, the one-time verification page requires input of a one-time verification code, and the processing unit transmits the one-time verification code to the bank-side computer device, and after receiving a verification success notification related to the one-time verification code from the bank-side computer device, transmits an authorization success notification to the mobile communication device, so that a payment page displayed by the mobile communication device includes a payment option corresponding to the authorized debit account of the selected bank. 如請求項1所述的一站式行動支付系統，其中，該商家具有該等銀行其中一銀行的一銀行帳號，且該行動支付綁定請求、該接受綁定請求、該驗證請求、該通過驗證通知、該授權扣款帳號、該單次驗證碼及該驗證成功通知是透過該銀行傳送。A one-stop mobile payment system as described in claim 1, wherein the merchant has a bank account of one of the banks, and the mobile payment binding request, the binding acceptance request, the verification request, the verification pass notification, the authorized debit account, the one-time verification code and the verification success notification are transmitted through the bank. 如請求項1所述的一站式行動支付系統，其中，該身份識別資訊包含該使用者的身份識別碼和留存於被選擇的該銀行的手機號碼，且該銀行端電腦裝置根據該身份識別資訊確認該使用者在被選擇的該銀行有開設帳號後，傳送該接受綁定通知給該處理單元。A one-stop mobile payment system as described in claim 1, wherein the identification information includes the user's identification code and the mobile phone number retained in the selected bank, and the bank-side computer device transmits the binding acceptance notification to the processing unit after confirming that the user has an account opened in the selected bank based on the identification information. 如請求項1所述的一站式行動支付系統，其中，該待驗證資料包含該使用者之供該銀行端電腦裝置驗證的身份識別碼、用戶代號及網銀密碼，且該銀行端電腦裝置驗證該待驗證資料正確後，傳送該通過驗證通知給該處理單元。A one-stop mobile payment system as described in claim 1, wherein the data to be verified includes the user's identity code, user code and online banking password for verification by the bank-side computer device, and after the bank-side computer device verifies that the data to be verified is correct, it transmits the verification pass notification to the processing unit. 如請求項1所述的一站式行動支付系統，其中，該銀行端電腦裝置驗證該單次驗證碼與其透過簡訊傳送給該行動通訊裝置的一單次驗證碼一致後，傳送該驗證成功通知給該處理單元。The one-stop mobile payment system as described in claim 1, wherein after the bank-side computer device verifies that the one-time verification code is consistent with a one-time verification code sent to the mobile communication device via a text message, the bank-side computer device sends the verification success notification to the processing unit. 如請求項2所述的一站式行動支付系統，其中，該付款選項被點選後，該行動通訊裝置傳送一包含一付款金額的付款指令給該處理單元，該處理單元根據該付款指令傳送一包含該付款金額、該授權扣款帳號和該商家的該銀行帳號的扣款指令給該銀行端電腦裝置，該銀行端電腦裝置根據該扣款指令判斷該授權扣款帳號中的餘額足以支付該付款金額後，從該授權扣款帳號中轉出該付款金額至該商家的該銀行帳號，並傳送一付款成功通知給該處理單元，且該處理單元根據該付款成功通知傳送一包含一交易項目及該付款金額的完成交易通知給該行動通訊裝置。A one-stop mobile payment system as described in claim 2, wherein, after the payment option is clicked, the mobile communication device transmits a payment instruction including a payment amount to the processing unit, and the processing unit transmits a deduction instruction including the payment amount, the authorized deduction account and the bank account of the merchant to the bank-side computer device according to the payment instruction, and after the bank-side computer device determines that the balance in the authorized deduction account is sufficient to pay the payment amount according to the deduction instruction, the payment amount is transferred from the authorized deduction account to the bank account of the merchant, and a payment success notification is transmitted to the processing unit, and the processing unit transmits a transaction completion notification including a transaction item and the payment amount to the mobile communication device according to the payment success notification.
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