TWM588302U - System for mobile payment management - Google Patents

Abstract

In a system for mobile payment management, a management server generates one or more barcodes that are assigned to a merchant and contain a link URL of the service server, and stores an institution identification code that represents a payment institution, and a link URL that corresponds to a payment server provided by the payment institution. When the management server receives, from a mobile device of a client of the payment institution, a payment request that includes the institution identification code, the link URL of the payment server, and the merchant identification data obtained from one of the barcode(s), the management server connects the payment server by using the stored link URL, and sends to the payment server a request that contains the merchant identification data, so that the payment server sends to the management server a unique identification code associated with the merchant identification data. The management server sends to the mobile device the identification code from the payment server.

Description

Mobile payment management system

The new model is related to mobile payment, especially a mobile payment management system.

In response to the government's policy of “promoting the universalization of mobile payment”, a variety of mobile payment services have been developed in the market, such as street payment, Line Pay, Apple Pay, etc. Under the competition of hundreds of contentious mobile payment services, various payment institutions (for example, third-party payment institutions, banking institutions, etc.) are often limited in their limited human resources to promote their promotion efforts when developing their channels. On the other hand, for various stores (e.g., physical stores, virtual stores, unmanned stores, etc.), and / or service agencies (e.g., mass transit agencies, hospital agencies, school agencies, etc.), if you want to provide various actions In order to provide customers with more choices in payment, it will be impossible to avoid complicated contracting procedures with each payment institution and the relatively high cost of connection.

So how to come up with a relatively low cost of The mobile payment management method which is cost-effective and facilitates the widespread use of mobile payment has become an important issue.

Therefore, the object of the present invention is to provide a mobile payment management system which can overcome at least one disadvantage of the prior art.

Therefore, a mobile payment management system provided by the present invention is used to manage mobile payments related to a merchant and a payment institution, and includes a management server. The management server includes a first communication module, a code generating module, a first storage module, and a processing module. The first communication module is connected to a communication network. The bar code generation module is used to generate one or more bar codes assigned to the business based on at least the business identification data of the business and the link URL of the management server. The first storage module stores an institution identification code uniquely representing the payment institution, and a link URL corresponding to the institution identification code and used to link a payment server provided by the payment institution. The processing module is electrically connected to the first communication module, the barcode generation module, and the first storage module.

When the processing module receives from a mobile device used by a customer via the first communication module and includes at least the organization identification code, and the mobile device scans or photographs the bar code provided by the merchant When a payment request for the merchant identification information is obtained by one of them, the processing module obtains the link URL stored in the first storage module according to the institution identification code included in the payment request, and according to the link URL Causing the first communication module to be established in a connection between the communication network and the payment server And send an identification code request containing at least the merchant identification data contained in the payment request to the payment server via the first communication module, so that the payment server generates and stores the response to the identification code request A unique identification code associated with the merchant identification information contained in the identification code request and sending an identification code response including the identification code to the management server.

When the processing module receives the identification code reply from the payment server via the first communication module, the processing module sends the identification code to the mobile device via the first communication module.

The effect of this new model is that for customers using different mobile payment methods, when paying a merchant for a transaction / service payment, the merchant needs to provide a customized barcode generated by the management server for the customer's mobile device to scan or After shooting, the management server sends the merchant identification data from the mobile device to the corresponding payment server, and provides the identification code from the corresponding payment server to the mobile device, and then the mobile device sends The customer's identity information, authenticated payment information and the identification code are transmitted to the corresponding payment server. Therefore, both the merchant and the payment agency can provide customers with a choice of different mobile payment methods at a relatively low cost of connection and labor costs. The dilemma of payments makes it easier for customers to make payments, so it can not only effectively improve merchants' performance, but also facilitate the widespread use of mobile payments.

100‧‧‧ mobile payment management system

1‧‧‧ management server

11‧‧‧The first communication module

12‧‧‧Barcode generation module

13‧‧‧first storage module

14‧‧‧Processing Module

2‧‧‧ mobile device

21‧‧‧Second communication module

22‧‧‧Image Capture Module

23‧‧‧Second storage module

24‧‧‧Touch display module

25‧‧‧processing unit

3‧‧‧ payment server

4‧‧‧ barcode

200‧‧‧Customer

S61 ~ S67‧‧‧step

Other features and effects of the present invention will be clearly presented in the embodiment with reference to the drawings, in which: FIG. 1 is a block diagram exemplarily illustrating that the implementation of the mobile payment management system of the present embodiment supports mobile payment management Fig. 2 is a block diagram exemplarily showing the configuration of a management server in the embodiment during the registration phase; Fig. 3 is a schematic diagram exemplarily showing a first of the management server Contents of data stored by the storage module; FIG. 4 is a block diagram illustrating an example of a mobile device bound for mobile payment in this embodiment; FIG. 5 is a block diagram illustrating an example in which In use, the mobile payment management system and a payment server; and FIG. 6 is a flowchart illustrating how the mobile payment management system combines a payment server to complete a mobile payment management process.

Before the new model is described in detail, it should be noted that in the following description, similar elements are represented by the same number.

Referring to FIG. 1, a mobile payment management system 100 according to the present embodiment is available. To manage mobile payments related to multiple merchants and multiple payment agencies. In this embodiment, each merchant may be a store (e.g., physical store, virtual store, unmanned store), a service agency (e.g., mass transit agency, hospital agency, school agency, etc.) or an individual (e.g., mobile street vendor , Personal online auctioneers, etc.), and each payment institution can be a banking institution (for example, domestic banks, financial control companies, etc.) or a third-party payment institution (for example, Alipay Online Enterprise Co., Ltd., Jiekou Electronic Payment Corporations, etc.). In addition, each payment agency provides a payment server for performing a debit operation. The mobile payment management system 100 includes a management server 1.

Referring to FIG. 2, the management server 1 includes, for example, a first communication module 11, a barcode generation module 12, and a first storage module 13 that can be connected to a communication network, such as the Internet (not shown). And a processing module 14 electrically connected to the first communication network 11, the bar code generating module 12 and the first storage module 13.

Each merchant must complete the relevant registration process before using this mobile payment management service for the first time. For example, if the registration process is completed online, the first communication module 11 of the management server 1 will receive, for example, a bar code request from the outside and related to the merchant. The bar code request includes the Related information of the merchant. In this embodiment, the relevant information includes, but is not limited to, merchant identification data, product / service price data, and customized merchant marketing data (e.g., marketing product / service text ads and / or Marketing product / service link URL), link information of a user terminal designated by the merchant for message reception, etc .; then the processing module 14 responds to the The bar code request causes the bar code generation module 12 to generate one or more bar codes assigned to the business according to the business identification data, the product price data, the business marketing data, and the link URL of the management server 1. The (etc.) barcode is sent to the user terminal via the first communication module 11 so as to provide it to the merchant and enable the merchant to present the barcode in various ways in the future. It is worth noting that the bar code may be a two-dimensional bar code such as a QR Code, but is not limited thereto. For example, if the merchant offers multiple sales of goods or services at different specific prices and the product price data contains those specific prices, each bar code assigned to the merchant contains not only the merchant identification information, but also the merchant marketing information The link URL of the management server 1 also contains amount data indicating the corresponding specific price. However, in other embodiments, the relevant information contained in the barcode request may not include any commodity / service price data. In this case, the barcode generation module 12 generates a single barcode only based on the merchant identification data, the merchant marketing data, and the link URL of the management server 1. In other words, the single barcode only contains the merchant identification information, the merchant marketing information, and the link URL of the management server 1.

Similarly, each payment institution must complete the relevant registration procedures before using this mobile payment management service. The first communication module 11 of the management server 1 will, for example, first receive information from outside and related to the payment. A service request of the institution, the service request including, for example, a link URL of the payment server provided by the payment institution (which can be used to connect to the payment server); then the processing module 14 responds to the service request, An institution identification code uniquely representing the payment institution, and corresponding to the The link URL of the organization identification code is also stored in the first storage module 13. Therefore, when the management server 1 completes the registration procedures of all payment institutions, the first storage module 13 stores a plurality of (different from each other) business identification information representing each (registered) merchant, and a plurality of corresponding ones The linking information of the merchant identification data, a plurality of (different from each other) the organization identification codes respectively representing the payment institutions, and a plurality of link URLs respectively corresponding to the organization identification codes, as shown in FIG. 3.

On the other hand, for customers who want to use mobile payment services provided by any payment institution, a mobile device (for example, a smart phone) can be used. As shown in FIG. 4, the mobile device includes, for example, a second communication module 21, an image capture module 22, a second storage module 23, a touch display module 24, and an electrical connection to the second The communication module 21, the image capture module 22, the second storage module 23, and the processing unit 25 of the touch display module 24. The second communication module 21 is connected to the communication network (not shown). When the mobile device applies for a service, an application program provided by the payment institution and related to mobile payment is installed, and the application program is stored in the second storage module 23. Thereafter, when the bound mobile device executes the application, the payment server of the payment institution will manage an electronic wallet or financial account owned by the customer in the payment institution, in order to manage the electronic wallet or financial account. Perform related debit operations.

Hereinafter, referring to FIG. 5 and FIG. 6, for example, when a customer 200 of a third-party payment institution wants to pay for purchases with an electronic wallet owned by the third-party payment institution How the mobile payment management system 100 executes a mobile payment management procedure when the product is sold by a merchant in a physical store. In this case, the mobile payment management system 100 further includes a mobile device 2 held by the customer 200, which may have a configuration similar to that shown in FIG. The mobile payment management program includes the following steps S61 to S67.

First, in step S61, the processing unit 25 of the mobile device 2 causes the image capture module 22 to scan or photograph a bar code provided by the merchant by executing the application program, for example, printing or pasting on the code. The barcode label on the package of the product to obtain the image data, and after interpreting the image data, the merchant identification information contained in the barcode 4, merchant marketing data, the link URL of the management server 1, and a specific URL The amount data of the amount (that is, the selling price of the product), and causes the second communication module 21 to establish a connection between the communication network and the management server 1 according to the link URL, and via the second communication module 21 A payment request is sent to the management server 1 including, for example, an institution identification code of the third-party payment institution (which is provided by the application, for example), the merchant identification information, and the amount information. In addition, it is worth noting that the processing unit 25 also causes the touch display module 24 to display the merchant marketing data for viewing by the customer 200 or for linking to other service websites.

After that, when the processing module 14 of the management server 1 receives the payment request from the mobile device 2 via the first communication module 11, in step S62, the processing module 14 according to the payment request The included organization identification code is obtained from the link URLs (see FIG. 3) stored in the first storage module 13 corresponding to the organization identification A link URL of a different code, and the first communication module 11 is established based on the link URL to a link between the communication network and a payment server 3 provided by the third-party payment agency, and includes, for example, the payment request The identification code request containing the merchant identification data and the amount data is sent to the payment server 3 through the first communication module 11. Then, the payment server 3 generates and stores a unique identification code associated with the merchant identification data and the amount data in response to the identification code request, and sends an identification code response including the identification code to the management server. (Step S63). In this case, the payment server 3 may, for example, combine the identification code with the merchant (indicated by the merchant identification information), the payment amount, and the currency (indicated by the amount information) linked to the identification code. Temporarily stored in a work list (not shown), but it is not limited for subsequent use. In this embodiment, the identification code may be, for example, a one-time code that is generated randomly or according to the payment amount contained in the amount data and contains text and / or numbers. In other words, the identification code is only relatively short Is only valid for 5 minutes.

Then, in step S64, when the processing module 14 of the management server 1 receives the identification code reply from the payment server 3 via the first communication module 11, the processing module 14 recognizes the identification The code is sent to the mobile device 2 via the first communication module 11.

After that, in step S65, when the mobile device 2 receives the identification code from the management server 1, the processing unit 25 executes the application program, and passes the identification data of the client 200 to the client 200. Certified payment amount The payment information and the identification code are sent to the payment server 3 together. Thus, the payment server 3 can perform an operation on the electronic wallet owned by the customer 200 according to the existing identification information of the customer 200, the payment information, and the merchant identification information associated with the identification code. The debit operation (that is, the payment amount is deducted from the balance of the electronic wallet), and after the debit operation is performed, a successful debit notification containing the merchant identification information is sent to the management server 1 (step S66).

Finally, when the processing module 14 of the management server 1 receives a notification of the successful debit from the payment server 3 via the first communication module 11, in step S67, the processing module 14 according to the first A link module 13 stored in a storage module 13 and corresponding to the merchant identification information sends a debit success message to the user terminal (designated by the merchant during registration) via the first communication module 11. At this point, the implementation of the mobile payment management program is complete.

In summary, since the management server 1 can provide customized barcodes for multiple merchants, and can automatically connect with multiple payment servers provided by multiple payment agencies to achieve the transfer of authorization codes related to mobile payments, Therefore, for customers using different mobile payment methods, when paying the merchant for the transaction / service payment, the merchant only needs to provide the customized barcode generated by the management server 1 for the client's mobile device to scan or shoot. The management server 1 will send the merchant identification data from the mobile device to the corresponding payment server, and provide the identification code from the corresponding payment server to the mobile device, after which the mobile device will identify the customer Identification information, certification The payment information and the identification code are transmitted to the corresponding payment server. Therefore, both the merchant and the payment agency can provide customers with a choice of different mobile payment methods at a relatively low cost of connection and labor costs. The dilemma of payments makes it easier for customers to make payments, so it can not only effectively improve merchants' performance, but also facilitate the widespread use of mobile payments. Therefore, it can indeed achieve the purpose of new cost.

However, the above are only examples of the new model. When the scope of implementation of the new model cannot be limited by this, any simple equivalent changes and modifications made in accordance with the scope of the patent application of the new model and the content of the patent specification are still Within the scope of this new patent.

Claims (6)

A mobile payment management system is used to manage mobile payments related to a merchant and a payment institution, and includes a management server. The management server includes: a first communication module connected to a communication network; a code generation module A group for generating one or more barcodes assigned to the business based on at least the business identification information of the business and the link URL of the management server; a first storage module storing an organization identification representing the payment organization Code, and a link URL corresponding to the institution identification code and which can be used to link a payment server provided by the payment institution; and a processing module electrically connected to the first communication module, the barcode generation module, and the A first storage module; wherein, when the processing module receives a mobile device used by a customer via the first communication module and includes at least the organization identification code, and the mobile device scans or photographs the merchant When a payment request for the merchant identification information is obtained from one of the provided bar codes, the processing module is based on the institution included in the payment request The identification code obtains the link URL stored in the first storage module, and causes the first communication module to establish a link between the communication network and the payment server according to the link URL, and includes at least one of the payment request The identification code request of the merchant identification data contained is sent to the payment server via the first communication module, so that the payment server generates and stores a response to the identification code request and the merchant included in the identification code request. The identification data is associated with a unique identification code and sends an identification code reply including the identification code to the management server; and when the processing module receives the payment server from the payment server via the first communication module When the identification code replies, the processing module sends the identification code to the mobile device via the first communication module. The mobile payment management system according to claim 1, wherein: each bar code generated by the bar code generating module also contains amount data corresponding to a specific amount; and the payment request received by the processing module further includes The amount information obtained by scanning or photographing the barcode provided by the merchant. The mobile payment management system according to claim 1 or 2, wherein each bar code generated by the bar code generation module also contains business marketing data related to the business for the mobile device to scan or photograph the bar code Show marketing information for that merchant. The mobile payment management system according to claim 1, further comprising the mobile device, the mobile device includes: a second communication module connected to the communication network; an image capture module; a second storage module to store An application program provided by the payment institution; and a processing unit electrically connecting the second communication module, the image capturing module, and the second storage module; wherein the processing unit executes the second storage The application program stored in the module enables the image capture module to scan or photograph the barcode provided by the merchant to obtain the merchant identification data and the link URL of the management server, so that the second communication module is based on The obtained link URL is established on the link between the communication network and the management server, and sends the payment request to the management server via the second communication module. The mobile payment management system according to claim 4, wherein when the processing unit of the mobile device receives the identification code from the management server through the second communication module, the application unit is executed by executing the application program. The customer's identity information, authenticated payment information, and the identification code are sent to the payment server together, so that the payment server can use the customer's identification information, the payment information, and the identification code associated with the identification code Merchant identification information, a debit operation is performed on a financial account or electronic wallet owned by the customer. The mobile payment management system according to claim 5, wherein the first storage module of the management server further stores the merchant identification data and a corresponding use of the merchant identification data and used to link the merchant Terminal link information; and the processing module of the management server, upon receiving a notification of a successful debit from the payment server and containing the merchant identification information, according to the link information stored and corresponding to the merchant identification information , Sending a debit success message to the using terminal via the first communication module.