TW201520923A - Payment system featuring expenditures paid by third-party and method thereof - Google Patents
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本發明係為一種有關支付系統及方法；具體而言，特別是關於一種代付費用的支付系統及方法，對於已綁定關係基礎的消費者請求支付端與授權支付端，進行綁定關係的身份驗證，並發送代付請求與費用資訊予授權端，由授權端來決策是否同意代替支付其費用，屬交易委由第三人同意並代理付費的支付技術領域。 The present invention relates to a payment system and method; in particular, to a payment system and method for paying for payment, for a consumer who has a binding relationship to request a payment end and an authorized payment end to perform a binding relationship The authentication is performed, and the payment request and the fee information are sent to the authorized end, and the authorized end decides whether to agree to pay the fee instead of the payment, and belongs to the payment technical field in which the third party agrees and pays the payment.
消費者於消費後直接進行現金付費一直是人們的直覺性支付行為，但隨著時代與科技的進步，金融卡、***、電子錢包、虛擬貨幣等各種交易付款方式的出現，使得人們可在既有的交易金額裡持更少的實體貨幣；而智慧型行動設備(移動裝置)趨於大量化後，智慧型行動設備已為現今大部分人們生活不可或缺的工具；將***資訊儲於行動設備上，或在行動設備上使用電子錢包來進行消費付款，都可避免帶著大量的***、現金等實體物品，著實降低了貨幣提領成本並增加了生活的便利性。而一無足夠能力進行消費之消費者，其監護 人期望能金錢備援此消費者，並達到管控消費的支付環境，是否能相同擁有如此便利的生活 Consumers paying cash directly after consumption has always been an intuitive payment behavior, but with the advancement of the times and technology, the emergence of various payment methods such as financial cards, credit cards, e-wallets, and virtual currency has made it possible for people to Some transaction funds hold less physical currency; while smart mobile devices (mobile devices) tend to be mass-produced, smart mobile devices have become indispensable tools for most people today; Using e-wallets on mobile devices or on mobile devices to make consumer payments can avoid taking a lot of physical items such as credit cards, cash, etc., which actually reduces the cost of currency withdrawal and increases the convenience of life. Guardianship of consumers who do not have enough capacity to consume People expect to be able to make money for this consumer, and to achieve a payment environment that controls consumption, whether it can have such a convenient life.
在「銷售點系統及完成交易的方法」(中華民國專利公開號TW 201301183 A1)表示，當消費著進行消費時，消費者不需持有任一實體貨幣，只需於手持裝置上，提出代付款項之請求發送至被請求端，而被請求端可決定是否同意此項交易，若同意，其被請求端之支付細節資訊(***號、***類型、***有效日期、授權碼、借記卡號或銀行帳號中的至少一個)可傳送至請求端，讓請求端以此資訊來完成交易。而「购物消费后由不在身边的朋友用手机代为确认付款的方法」(中國公開號CN1591499)概念中，消費者以其行動設備通知朋友來請求代付，朋友於同意後，消費者將朋友帳戶號碼告知商家，商家向其開戶銀行發送付款訊息，銀行發送付款訊息至朋友之手機，朋友進行確認或拒絕，開戶銀行將確認訊息通知商家，並從朋友帳戶轉至商家帳戶來完成交易。兩則內容均未描述請求者與被請求者交易關係如何確認，且請求者或商家可直接取得支付相關帳戶資訊，其傳送付款資訊之過程並無安全性。 In the "point of sale system and method of completing the transaction" (Republic of China Patent Publication No. TW 201301183 A1), the consumer does not need to hold any physical currency when consuming consumption, and only needs to present the generation on the handheld device. The payment item request is sent to the requested end, and the requested end can decide whether to agree to the transaction, and if it agrees, the payment details of the requested end (credit card number, credit card type, credit card expiration date, authorization code, debit card) At least one of the number or bank account number can be transmitted to the requesting end, allowing the requesting party to complete the transaction with this information. In the concept of “receiving payment by a friend who is not in the vicinity of the shopping and using the mobile phone” (China Public No. CN1591499), the consumer informs the friend with his mobile device to request payment, and after the friend agrees, the consumer will share the friend account. The number informs the merchant that the merchant sends a payment message to the bank where the bank is located, the bank sends a payment message to the friend's mobile phone, the friend confirms or rejects, the bank of deposit confirms the message to the merchant, and transfers from the friend account to the merchant account to complete the transaction. Neither of the content describes how the transaction relationship between the requester and the requestee is confirmed, and the requestor or the merchant can directly obtain payment related account information, and the process of transmitting the payment information is not secure.
於專利前案銷售點系統及完成交易的方法(公開號：TW 201301183 A1)，該前案係為應用在銷售點系統。消費者可從移動裝置向該銷售點系統發送支付的請求，且可請求某代付款項對象的第三方裝置給予交易支付細節，亦可以是銷售點系統向第三方裝置發送許可請求，待銷售點系統接收到支付細節後，即完成交易，但未描述請求者與被請求者交易時關係如何確認，且請求者可直接拿到支付細節資訊，付款資訊傳送至請求者手持裝置之過程無安全性。 In the patent pre-sales point system and the method of completing the transaction (publication number: TW 201301183 A1), the former case is applied to the point of sale system. The consumer may send a request for payment from the mobile device to the point of sale system, and may request a third party device of a certain payment item object to give the transaction payment details, or the point of sale system may send a permission request to the third party device, the point of sale After the system receives the payment details, the transaction is completed, but the relationship between the requester and the requested party is not described, and the requester can directly obtain the payment details, and the payment information is transmitted to the requester's handheld device without security. .
於專利前案購物消費後由不在身邊的朋友用手機代為確認付款的方法(公開號：CN1591499)，該前案係為消費者於購物消費後由不在身邊的朋友用手機代為確認付款的方法。其方法裡，當消費者在購物的時候無消費能力，消費者可請求他人如朋友為其付款，在他人同意代付款後，消費者會將他人的銀行帳號(卡號)告知客戶端，客戶端即可向此人之帳戶行發送付款資訊，帳戶行會再次發送代付款資訊至其行動電話，其人可再次進行確認或拒绝付款，同意後，帳戶行將進行轉帳，待成功轉帳後通知客戶端完成交易，但並未描述消費者與朋友的關係如何確認，且客戶端可直接拿到朋友帳戶資訊，對於朋友的帳戶資訊傳送至客戶端、銀行之過程無安全性。 After the purchase of the pre-patent case, the friend who is not around will use the mobile phone to confirm the payment method (publication number: CN1591499). The former case is a method for the consumer to confirm the payment by the friend who is not around after shopping for consumption. In the method, when the consumer does not have the ability to consume at the time of shopping, the consumer can request others to pay for the friend, and after the other person agrees to pay the payment, the consumer will inform the client of the bank account number (card number) of the other party, the client You can send payment information to this person's account line, and the account line will send the payment information to their mobile phone again. The person can confirm or reject the payment again. After the agreement, the account bank will transfer the account and notify the customer after successful transfer. The transaction is completed, but the relationship between the consumer and the friend is not described, and the client can directly get the friend account information, and there is no security for the friend's account information to be transmitted to the client or the bank.
於專利前案銷售點系統及完成交易的方法(公開號：TW 201301183 A1)，該前案並無確認兩者之關係，此行為容易有安全性疑慮，且若被請求者已完成代付交易流程，但於事後辯其並未操作自身電子錢包進行任一交易，拒絕進行付費，將造成商店、金融單位與請求者、被請求者嚴重困擾，且可向多個被請求者提出代付之請求，當其中一被請求者同意進行代付並完成交易後，另一被請求者於另一時間同樣進行代付與完成交易，此情形會有重覆付費之可能。 In the patent pre-sales point system and the method of completing the transaction (publication number: TW 201301183 A1), the previous case does not confirm the relationship between the two, this behavior is easy to have security concerns, and if the requestee has completed the payment transaction The process, but afterwards, argues that it has not operated its own e-wallet for any transaction, and refuses to pay, which will cause serious troubles for the store, financial unit and requester, and the requestee, and can be paid to multiple respondents. The request, when one of the requested persons agrees to pay and complete the transaction, the other requested party also performs the payment and completion of the transaction at another time, and the situation may be repeated.
由此可見，上述習用方式仍有諸多缺失，實非一良善之設計，而亟待加以改良。 It can be seen that there are still many shortcomings in the above-mentioned methods of use, which is not a good design, but needs to be improved.
本案發明人鑑於上述習用方式所衍生的各項缺點， 乃亟思加以改良創新，並經多年苦心孤詣潛心研究後，終於成功研發完成本件發明。 In view of the shortcomings derived from the above-mentioned conventional methods, the inventors of the present invention have Nai Sisi made improvements and innovations, and after years of painstaking research, he finally succeeded in researching and developing this invention.
本發明之一目的，即在於提供一種代付費用的支付系統，其包含一授權端行動裝置，其上已安裝有一電子錢包交易軟體。授權端行動裝置電子錢包交易軟體為關係第三人之電子錢包交易軟體，其已完成透過電信伺服器與請求端電子錢包交易軟體完成身份綁定之開通申請，故兩者之電子錢包交易軟體已確實有身份綁定之關係，且其係能接收至少一款項費用之支付請求，並根據上述支付請求所包含之應付費用資訊回覆支付請求；一請求端行動裝置，其上已安裝有一電子錢包交易軟體。請求端行動裝置電子錢包交易軟體為，關係第三人已申請將自身之電子錢包交易軟體透過電信伺服器與請求端行動裝置電子錢包交易軟體進行門號認證，且關係第三人之電子錢包交易軟體已完成與請求端行動裝置電子錢包交易軟體身份綁定之開通申請，其中，關係第三人之電子錢包交易軟體即為授權端行動裝置電子錢包交易軟體，其能與請求端行動裝置電子錢包交易軟體連線。其完成驗證後，請求端行動裝置之電子錢包交易軟體，係能接收至少一應付費用資訊，並能發送一金融款項費用之支付請求，且能接收請求結果；一電子錢包控管裝置；一客戶端通訊模組，其設置於一客戶端，係能與請求端行動裝置之電子錢包交易軟體連線，用以向請求端行動裝置電子錢包交易軟體傳送至少一應付費用資訊，並能與電子錢包控管裝置進行連線，以接收交易結果，完成交易； 一授權交易模組，係設置於一金融機構，且能與電子錢包控管裝置進行連線，用以進行交易授權，並回覆交易授權結果。 It is an object of the present invention to provide a payment system for pay-as-you-go that includes an authorized mobile device on which an electronic wallet transaction software has been installed. The authorized mobile device e-wallet transaction software is a third-party electronic wallet transaction software, which has completed the application for opening the identity binding through the telecom server and the requesting e-wallet transaction software, so the electronic wallet transaction software of the two has been There is indeed an identity binding relationship, and the system is capable of receiving a payment request for at least one payment, and responding to the payment request according to the payment of the fee information included in the payment request; a requesting mobile device having an electronic wallet transaction installed thereon software. The requesting mobile device e-wallet transaction software is that the third party has applied for the electronic wallet transaction software of its own through the telecommunication server and the requesting mobile device e-wallet transaction software for door number authentication, and the third party's electronic wallet transaction The software has completed the opening application binding with the requesting mobile device electronic wallet transaction software identity, wherein the third party's electronic wallet transaction software is the authorized mobile device electronic wallet transaction software, which can be used with the requesting mobile device electronic wallet Trading software connection. After the verification is completed, the electronic mobile phone transaction software of the requesting mobile device can receive at least one chargeable fee information, and can send a payment request for the financial payment, and can receive the request result; an electronic wallet control device; a customer The terminal communication module is disposed on a client and is capable of connecting with the electronic wallet transaction software of the requesting mobile device to transmit at least one chargeable fee information to the requesting mobile device electronic wallet transaction software, and is capable of communicating with the electronic wallet The control device is connected to receive the transaction result and complete the transaction; An authorized transaction module is set up in a financial institution and can be connected to the electronic wallet control device for transaction authorization and replying to the transaction authorization result.
其中，授權代付端行動裝置電子錢包，包含至少一通訊模組與一授權代付模組，用以接收代付請求與費用資訊、決策是否同意進行代付、接收支付結果；請求端行動裝置內含之電子錢包，包含至少一通訊模組與一請求支付模組，用以向客戶端端傳送商品支付請求、接收應付費用資訊、傳送代付請求與發送費用資訊至授權代付端、接收代付結果、選擇可請求代付費用之授權端、身份綁定驗證；電子錢包控管裝置亦包含至少一通訊模組來與授權代付端、請求端行動裝置電子錢包交易軟體、客戶端通訊模組、授權交易模組進行連線，其可進行收發費用資訊與收發支付結果；驗證模組包含至少一組關連性授權代付端、請求端行動裝置電子錢包交易軟體之綁定資料，可執行兩者之身份綁定驗證；支付模組，包含交易訂單資訊與關係第三人之交易的支付細節，並可將相關資訊至金融機構授權交易模組完成費用支付。 The authorized payment mobile device electronic wallet includes at least one communication module and an authorized payment module for receiving payment request and expense information, deciding whether to agree to pay and receive the payment result, and requesting the mobile device. The embedded electronic wallet includes at least one communication module and a request payment module for transmitting a product payment request, receiving payment fee information, transmitting a payment request and sending a fee information to an authorized payment terminal, and receiving the same. The payment result, the selection may request the proxy for payment, and the identity binding verification; the electronic wallet control device also includes at least one communication module to communicate with the authorized payment terminal, the requesting mobile device, the electronic wallet transaction software, and the client. The module and the authorized transaction module are connected, and the sending and receiving cost information and the sending and receiving payment result are provided; the verification module includes binding information of at least one set of related authorized payment terminals and the requesting mobile device electronic wallet transaction software, Perform identity binding verification for both; payment module, including transaction order information and payment details of transactions related to third parties, Information to financial institutions may be authorized to pay for the transaction to complete module.
本發明之另一目的，即在於提供一種代付費用的支付方法，其包含以下步驟：請求支付端向客戶端發送支付費用的請求；收到客戶端回傳的費用資訊；請求支付端選擇可代付費用之授權代付端； 進行請求支付端與授權代付端身份的綁定驗證； 驗證成功，發送費用資訊與代付請求至授權代付端；授權代付端決定是否同意進行代付，同意後，以授權代付端之電子錢包至金融單位進行代付；將代付結果通知客戶端、請求支付端、授權代付端。 Another object of the present invention is to provide a payment method for paying for a fee, comprising the steps of: requesting a payment end to send a request for payment to a client; receiving a fee information returned by the client; Authorized payment on behalf of the payment; Perform binding verification of the requesting payment end and the authorized payment end identity; If the verification is successful, the fee information and the payment request are sent to the authorized payment terminal; the authorized payment terminal decides whether to agree to pay the payment, and after agreeing, the electronic wallet of the authorized payment side is paid to the financial unit; the payment result is notified Client, requesting payment terminal, authorized payment terminal.
本發明提供了一種代付費用的支付系統及方法，在請求端行動裝置的電子錢包交易軟體與授權代付端的行動裝置電子錢包交易軟體關連性中，其兩者身份透過電子錢包控管裝置確定為身份綁定之關係，請求支付端的電子錢包交易軟體在收到客戶端通訊模組的應付費用資訊後，可向授權代付端的電子錢包交易軟體提出代付的請求，並在授權代付端進行同意後，透過授權代付端的電子錢包交易軟體來向電子錢包控管裝置允許進行代付之行為。 The present invention provides a payment system and method for paying for payment. In the connection between the electronic wallet transaction software of the requesting mobile device and the mobile device electronic wallet transaction software of the authorized payment device, the identity of both is determined by the electronic wallet control device. For the identity binding relationship, the electronic wallet transaction software of the requesting payment end may submit a request for payment to the electronic wallet transaction software of the authorized payment terminal after receiving the payment of the fee information of the client communication module, and on the authorized payment side. After the consent is obtained, the electronic wallet transaction software of the authorized payment side is allowed to perform the payment to the electronic wallet control device.
本發明所提供之一種基於離散對數問題產生軟體序號與檢驗方法，與其他習用技術相互比較時，更具備下列優點： The invention provides a software serial number and test method based on the discrete logarithm problem, and has the following advantages when compared with other conventional technologies:
1.本發明之一特點為：在消費者所為之請求端與第三人所為之授權端中，其擁有互為綁定關係之電子錢包時，本發明提供一電子錢包控管裝置來進行驗證其身份，以確認兩方確實擁有電子錢包綁定關係，提升請求端與授權端於交易支付費用時之不可否認性。 1. One of the features of the present invention is that the present invention provides an electronic wallet control device for verification when an electronic wallet with a binding relationship is provided between a requesting end of a consumer and a third party. Its identity, to confirm that the two parties do have the e-wallet binding relationship, to enhance the non-repudiation of the request side and the authorized end in the transaction payment.
2.本發明之另一特點為：當請求端進行消費時向授權端提出代為支付之請求，且授權端同意進行代付之行為時，授權端不需將其支付細節資訊(如：***卡號、***有效日期或銀行帳號等)傳至金融單位、客戶端或請求端，而是透過本發明之電子錢包控管裝置來管理授權代付端付款相關資訊，並直接向金融單位進行支付之行為，以加強授權端支付細節資訊安全性。 2. Another feature of the present invention is that when the requesting end makes a request for payment to the authorized end, and the authorized end agrees to perform the act of payment, the authorized end does not need to pay the detailed information (such as the credit card number). , the credit card expiration date or the bank account number, etc.) is transmitted to the financial unit, the client or the requesting end, but the electronic wallet control device of the present invention is used to manage the payment related information of the authorized payment side, and directly pays to the financial unit. To enhance the security of the authorization side payment details.
3.本發明之另一特點為：當請求端同時綁定多個授權端，在交易當下，若請求端向多個授權端提出委託支付請求時，本發明之電子錢包控管裝置擁有管控機制，當兩個以上之授權端皆同意進行支付時，管控機制可避免造成此交易二次付款之疑慮。 3. Another feature of the present invention is that when the requesting end binds a plurality of authorized terminals at the same time, the electronic wallet control device of the present invention has a control mechanism when the requesting end makes a request for payment to a plurality of authorized terminals. When more than two authorized parties agree to pay, the control mechanism can avoid the doubts about the second payment of the transaction.
4.由上觀之，本發明可達成下述功效：(1)依據身份綁定機制，請求代理支付時可達到身份確認之安全性及不可否認性；(2)本案之支付細節資訊(如卡號)無轉交他方，於支付款項時，皆由電子錢包控管裝置進行處理，再次提升交易之安全性；(3)本案控管機制可避免交易二次付款之疑慮。 4. From the above, the present invention can achieve the following effects: (1) according to the identity binding mechanism, the security and non-repudiation of the identity confirmation can be achieved when requesting the agent to pay; (2) the payment details of the case (such as The card number) is not transferred to the other party. When the payment is made, it is processed by the electronic wallet control device to enhance the security of the transaction again. (3) The control mechanism of the case can avoid the doubts about the second payment of the transaction.
100‧‧‧客戶端 100‧‧‧Client
101‧‧‧客戶端通訊模組 101‧‧‧Client Communication Module
200‧‧‧請求支付端裝置 200‧‧‧Request payment device
201‧‧‧請求支付端通訊模組 201‧‧‧Request payment terminal communication module
202‧‧‧請求支付模組 202‧‧‧Request payment module
300‧‧‧授權代付端裝置 300‧‧‧Authorized payment device
301‧‧‧授權代付端通訊模組 301‧‧‧Authorized payment terminal communication module
302‧‧‧授權代付模組 302‧‧‧Authorized payment module
400‧‧‧電子錢包控管裝置 400‧‧‧Electronic wallet control device
401‧‧‧電子錢包通訊模組 401‧‧‧Electronic Wallet Communication Module
402‧‧‧電子錢包支付模組 402‧‧‧Electronic Wallet Payment Module
403‧‧‧身分驗證模組 403‧‧‧ Identity Verification Module
500‧‧‧金融單位 500‧‧‧Financial Unit
501‧‧‧授權交易模組 501‧‧‧Authorized transaction module
601‧‧‧店家 601‧‧‧Store
602‧‧‧請求端 602‧‧‧Request side
603‧‧‧授權端 603‧‧‧Authorized end
604‧‧‧電子錢包控管裝置 604‧‧‧Electronic wallet control device
6042‧‧‧支付模組 6042‧‧‧Payment module
6043‧‧‧驗證模組 6043‧‧‧ verification module
6044‧‧‧通訊模組 6044‧‧‧Communication Module
605‧‧‧金融單位 605‧‧‧Financial Unit
S11~S18‧‧‧流程步驟 S11~S18‧‧‧ Process steps
S21~S25‧‧‧流程步驟 S21~S25‧‧‧ Process steps
S31~S35‧‧‧流程步驟 S31~S35‧‧‧ Process steps
S41~S48‧‧‧流程步驟 S41~S48‧‧‧ Process steps
請參閱有關本發明之詳細說明及其附圖，將可進一步瞭解本發明之技術內容及其目的功效；有關附圖為： Please refer to the detailed description of the present invention and the accompanying drawings, and the technical contents of the present invention and its effects can be further understood; the related drawings are:
第1圖為本發明之代付費用的支付系統之示意圖。 Figure 1 is a schematic diagram of a payment system for payment on behalf of the present invention.
第2圖為本發明之代付費用的支付方法之流程圖。 Figure 2 is a flow chart of the payment method for payment on behalf of the present invention.
第3圖為本發明之代付費用的支付方法之流程示意圖。 Figure 3 is a flow chart showing the payment method for payment on behalf of the present invention.
第4圖為本發明之代付費用的支付方法之實施例流程圖。 Figure 4 is a flow chart showing an embodiment of a payment method for payment on behalf of the present invention.
第5圖為本發明之代付費用的支付方法之實施例示意圖。 FIG. 5 is a schematic diagram of an embodiment of a payment method for payment on behalf of the present invention.
第6圖為本發明之代付費用的支付方法之實施例示意流程圖。 Figure 6 is a schematic flow chart of an embodiment of a payment method for payment on behalf of the present invention.
為了使本發明的目的、技術方案及優點更加清楚明白，下面結合附圖及實施例，對本發明進行進一步詳細說明。應當理解，此處所描述的具體實施例僅用以解釋本發明，但並不用於限定本發明。 The present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
以下，結合附圖對本發明進一步說明： Hereinafter, the present invention will be further described with reference to the accompanying drawings:
本發明係為提出一種代付費用的支付系統，請參閱第1圖，第1圖為本發明之代付費用的支付系統之示意圖。如第1圖所示，於此實施例中，其主要可包含有：客戶端100、請求支付端裝置200、授權代付端裝置300、電子錢包控管裝置400及金融單位500。 The present invention is directed to a payment system for paying for a fee. Referring to FIG. 1, FIG. 1 is a schematic diagram of a payment system for payment on behalf of the present invention. As shown in FIG. 1 , in this embodiment, it may mainly include: a client 100, a requesting payment device 200, an authorized payment device 300, an electronic wallet control device 400, and a financial unit 500.
其中，該客戶端更可包括客戶端通訊模組101，可係為銷售點POS機，例如：電腦、平板電腦、螢幕、行動電話或其他可行至少一近場通訊NFC或二維條碼QR Code等任一短程通訊技術裝置，其用以發送消費資訊。 The client may further include a client communication module 101, which may be a point-of-sale POS machine, such as a computer, a tablet computer, a screen, a mobile phone, or other feasible near-field communication NFC or a two-dimensional barcode QR Code. Any short-range communication technology device for transmitting consumer information.
而該請求支付端裝置200，更可包括請求支付端通 訊模組201與請求支付模組202，而該請求支付端通訊模組201可係為行動電話、平板電腦、筆記型電腦或其他任一可行無線通訊技術之行動設備，更可包含至少一近場通訊技術NFC或可使用二維條碼QR Code讀取之方式。 The requesting payment device 200 may further include requesting payment end The module 201 and the request payment module 202, and the request payment terminal communication module 201 can be a mobile device, a tablet computer, a notebook computer or any other mobile device of a feasible wireless communication technology, and can also include at least one near The field communication technology NFC can be read using the QR code barcode QR Code.
進一步說明，其行動電話或行動裝置可先安裝電子錢包交易軟體，該電子錢包交易軟體設定與至少一個授權代付端裝置300綁定關係，用以進行傳送商品支付的請求、接收費用資訊、傳送代付請求、發送費用資訊、並接收代付費用支付結果；而請求支付模組202顯示可選擇之授權代付端裝置，依其選擇之授權代付端進行綁定身份之認證。 Further, the mobile phone or mobile device may first install an electronic wallet transaction software, and the electronic wallet transaction software is configured to bind to at least one authorized payment device 300 for transmitting a product payment request, receiving a fee information, and transmitting The payment request, the payment of the fee information, and the payment of the payment result are received; and the request payment module 202 displays the optional authorized payment device, and performs the authentication of the binding identity according to the selected authorized payment terminal.
然而，授權代付端裝置300，更可包括授權代付端通訊模組301與授權代付模組302，授權代付端通訊模組301，可係為行動電話、筆記型電腦、桌上型電腦、平板電腦或其他已安裝並與上述之請求支付端裝置200綁定關係之電子錢包擁有者，而以行動電話或行動裝置說明，先安裝一電子錢包交易軟體，並確實與至少一個請求支付端裝置200擁有綁定關係之身份驗證。且該授權代付端通訊模組301，透過網路接收代付請求與費用資訊，並在授權代付模組302顯示費用資訊後，決策是否同意為請求支付端裝置200進行代付費用，並在決策同意代付後，以授權代付端通訊模組301接收代付結果。 However, the authorized payment device 300 may further include an authorized payment terminal communication module 301 and an authorized payment module 302, and an authorized payment terminal communication module 301, which may be a mobile phone, a notebook computer, or a desktop device. a computer, tablet or other electronic wallet owner that has been installed and associated with the above-mentioned requesting payment device 200, and with a mobile phone or mobile device description, first installs an electronic wallet transaction software, and indeed with at least one request to pay The end device 200 has the identity verification of the binding relationship. And the authorized payment terminal communication module 301 receives the payment request and the fee information through the network, and after the authorized payment module 302 displays the fee information, decides whether to agree to pay the payment for the requesting payment device 200, and After the decision agrees to pay, the authorizing payment communication module 301 receives the payment result.
一電子錢包控管裝置400，可至少包括電子錢包通訊模組401、電子錢包支付模組402與身份驗證模組403。電子錢包通訊模組401，收發費用資訊與收發支付結果至客戶端端100、請求支付端裝置200與授權代付端裝置300。身份驗證模組403，儲存請求支付端裝置200與授權代付端裝置300綁定關係之相關資訊，其進行請求支付模組202中之身份認證 時，認證方式可係為要求請求支付端裝置200回傳開通密碼，確認是否為當初電子錢包之開通密碼或發送一組一次性密碼(One Time Password,OTP)，確認該使用者確實為此電子錢包之持有人且確實正在進行交易，且驗證請求支付端裝置200與授權代付端裝置300之電子錢包確有綁定、仍存關連有效性。 An electronic wallet control device 400 can include at least an electronic wallet communication module 401, an electronic wallet payment module 402, and an identity verification module 403. The electronic wallet communication module 401 sends and receives the fee information and sends and receives the payment result to the client terminal 100, and requests the payment terminal device 200 and the authorized payment device 300. The authentication module 403 stores related information of the binding relationship between the requesting payment device 200 and the authorized payment device 300, and performs identity authentication in the request payment module 202. The authentication method may be configured to request the payment terminal device 200 to transmit the activation password, confirm whether it is the opening password of the original electronic wallet or send a set of One Time Password (OTP), and confirm that the user is actually the electronic The holder of the wallet is indeed in the process of conducting the transaction, and the verification requesting the payment end device 200 and the electronic wallet of the authorized payment device 300 are bound, and the validity of the connection is still valid.
電子錢包支付模組402進行授權交易請求管理，其儲存各交易授權支付之資料。舉例說明，當任一請求支付端裝置200綁定多個授權代付端裝置300時，而請求支付端裝置200進行消費時可透過向電子錢包通訊模組401與多個授權代付端裝置300提出代付請求，當其中一個授權代付端裝置300同意進行代付後，電子錢包支付模組402則以此授權代付端裝置300支付細節資訊至金融單位500進行支付，當付費成功後，另一授權代付端裝置300亦同意進行支付，經電子錢包支付模組402判斷，不會進行二次付費，充份避免重複付款之疑慮。 The e-wallet payment module 402 performs authorization transaction request management, which stores the information authorized for payment by each transaction. For example, when any of the requesting payment device 200 is bound to the plurality of authorized payment device 300, the requesting payment device 200 can perform the consumption to the electronic wallet communication module 401 and the plurality of authorized payment device 300. When the payment request is made, when one of the authorized payment device 300 agrees to pay the payment, the electronic wallet payment module 402 authorizes the payment device 300 to pay the detailed information to the financial unit 500 for payment. Another authorized payment device 300 also agrees to make a payment, and the electronic wallet payment module 402 determines that the second payment will not be made, and the doubt of repeated payment is fully avoided.
金融單位500，更可包括授權交易模組501，負責進行接收授權交易請求，並回傳授權交易請求結果。 The financial unit 500 may further include an authorization transaction module 501, which is responsible for receiving the authorization transaction request and returning the authorization transaction request result.
請求支付端裝置200之請求支付端通訊模組201及授權代付端裝置300之授權代付端通訊模組301亦可係為配置為遵循GSM或CDMA標準來通訊的蜂窩收發機，或是可遵循802.11無線標準來工作。並可根據本文所述功能來工作的任何其他類型的無線通訊模組，亦可係為如有線乙太網路或USB連接的有線連接。 The requesting payment terminal communication module 201 of the payment terminal device 200 and the authorized payment terminal communication module 301 of the authorized payment device 300 may also be cellular transceivers configured to communicate according to the GSM or CDMA standard, or may be Works in accordance with the 802.11 wireless standard. Any other type of wireless communication module that can function according to the functions described herein can also be a wired connection such as a wired Ethernet or USB connection.
本發明係為提出一種代付費用的支付方法，請參閱第1圖及第2圖，第2圖為本發明之代付費用的支付方法之流程圖。如第1圖及第2圖所示，並以實施例方式進行說明消費 者如何運用本發明系統與方法於請求一援助者來進行代付費用之情境。 The present invention proposes a payment method for paying for a fee. Please refer to FIG. 1 and FIG. 2, and FIG. 2 is a flow chart of a payment method for payment on behalf of the present invention. As shown in Figures 1 and 2, the consumption is illustrated by way of example. How to use the system and method of the present invention to request a helper to perform a payment-for-sale situation.
首先，步驟S11，消費者可係為請求支付端裝置200手持行動電話或行動裝置，且已安裝請求支付端通訊模組201，接著傳送資訊至客戶端100進行消費，其行動電話或行動裝置上，先行安裝電子錢包交易軟體，再者透過電信伺服器來綁定另一關係第三人的電子錢包交易軟體，消費者決定進行商品消費，即行動電話或行動裝置顯示客戶端100之商品，請求支付端裝置200之請求支付端通訊模組201向客戶端通訊模組101發送支付商品費用的請求。 First, in step S11, the consumer may request the payment terminal device 200 to hold the mobile phone or the mobile device, and install the request payment terminal communication module 201, and then transmit the information to the client 100 for consumption, on the mobile phone or the mobile device. First, install the e-wallet transaction software, and then bind another e-wallet transaction software related to the third party through the telecom server, and the consumer decides to perform the merchandise consumption, that is, the mobile phone or the mobile device displays the product of the client 100, requesting The requesting payment terminal communication module 201 of the payment terminal device 200 transmits a request for payment of the commodity fee to the client communication module 101.
客戶端通訊模組101接收消費者以行動電話，請求支付端裝置200的支付費用請求後，於步驟S12，透過客戶端通訊模組101回傳產品費用資訊，係可包含了商品價格、數量、客戶端資訊等訊息，而消費者行動電話或行動裝置之電子錢包交易軟體透過請求支付端通訊模組201接收回傳的產品費用資訊。 The client communication module 101 receives the payment request from the consumer to request the payment device 200, and returns the product expense information through the client communication module 101 in step S12, which may include the price and quantity of the product. The information such as the client information, and the electronic wallet transaction software of the consumer mobile phone or the mobile device receives the returned product fee information through the requesting payment terminal communication module 201.
步驟S13，消費者電子錢包交易軟體，如本發明所述之請求支付模組202顯示綁定關係之身份，消費者選擇以請求支付模組202顯示之授權代付端裝置300之電子錢包進行付費。 Step S13, the consumer electronic wallet transaction software, the request payment module 202 of the present invention displays the identity of the binding relationship, and the consumer selects to request the electronic wallet of the authorized payment device 300 displayed by the payment module 202 to pay. .
步驟S14，電子錢包控管裝置400之身份驗證模組403透過電子錢包通訊模組401發送一次性OTP碼要求消費者請求支付模組202進行身份驗證或身份驗證模組403要求消費者於請求支付模組202輸入當初開通關連性電子錢包之密碼，消費者行動電話或行動裝置收到一次性OTP碼後，於其請求 支付模組202進行認證輸入，透過請求支付端通訊模組201傳送認證資訊至身份驗證模組403，電子錢包控管裝置400之身份驗證模組403進行消費者行動電話或行動裝置，如本發明之請求支付端裝置200與綁定關係第三人電子錢包，如本發明之授權代付端裝置300身份的綁定驗證。 In step S14, the identity verification module 403 of the electronic wallet control device 400 sends a one-time OTP code through the electronic wallet communication module 401 to request the consumer to request the payment module 202 to perform identity verification or the identity verification module 403 requests the consumer to request payment. The module 202 inputs the password of the related e-wallet, and the consumer mobile phone or the mobile device receives the one-time OTP code after requesting The payment module 202 performs authentication input, and transmits the authentication information to the identity verification module 403 through the requesting payment terminal communication module 201. The identity verification module 403 of the electronic wallet control device 400 performs a consumer mobile phone or a mobile device, such as the present invention. The request is made by the payment end device 200 and the binding relationship third party electronic wallet, such as the binding verification of the identity of the authorized payment device 300 of the present invention.
在驗證消費者電子錢包與其關係第三人電子錢包確實有綁定關係之有效性與關聯性後，步驟S15，電子錢包控管裝置400透過電子錢包通訊模組401發送費用資訊，例如：商品價格、數量、客戶端資訊等訊息，與代付請求至綁定關係第三人電子錢包，如本發明之授權代付端裝置300之授權代付模組302，若驗證身份失敗，回到步驟S13，請求支付端裝置200可選擇另一已綁定授權代付端裝置300關係之電子錢包進行請求付費，待驗證身份成功才能進行代付費之流程。 After verifying the validity and relevance of the binding relationship between the consumer e-wallet and the third-party e-wallet, the electronic wallet control device 400 sends the fee information through the e-wallet communication module 401, for example, the price of the product. The quantity, the client information, and the like, and the payment request to the binding third party electronic wallet, such as the authorized payment module 302 of the authorized payment device 300 of the present invention, if the verification identity fails, return to step S13. The requesting payment device 200 can select another electronic wallet with the relationship of the authorized payment device 300 to request payment, and the process of paying for the payment can be performed.
步驟S16，綁定關係第三人電子錢包，授權代付端通訊模組301收到費用資訊，例如：商品價格、數量、客戶端資訊等訊息後，綁定關係第三人電子錢包之授權代付模組302顯示費用資訊，綁定關係第三人進行決定是否同意進行代付。 Step S16, binding the third party electronic wallet, and authorizing the payment terminal communication module 301 to receive the fee information, for example, the product price, the quantity, the client information, and the like, and binding the authorized third party electronic wallet. The payment module 302 displays the fee information, and the third party decides whether to agree to pay the payment.
若綁定關係第三人決策為同意，於步驟S17，電子錢包支付模組402判斷此交易是否已完成付款，若尚未完成付款，儲存其交易資訊，並以綁定關係第三人，如本發明之授權代付端裝置300之支付細節，該支付細節可係為至少包含一項***號、銀行帳號、***有效日期等資料，並與應付之款項費用，向金融單位500之授權交易模組501傳送付款請求。 If the binding relationship third party decides to agree, in step S17, the electronic wallet payment module 402 determines whether the transaction has completed the payment, if the payment has not been completed, stores the transaction information, and binds the third party, such as this The payment details of the authorized payment device 300 of the invention, the payment details may be at least one credit card number, bank account number, credit card expiration date, etc., and the payment fee payable, the authorization transaction module to the financial unit 500 501 transmits a payment request.
反之，若綁定關係第三人，如本發明之授權代付端裝置300於授權代付模組302選擇不同意，將回到步驟S13， 請求支付端裝置200可選擇另一已綁定授權代付端裝置300關係之電子錢包進行請求付費，待此已綁定授權代付端裝置300同意進行代付，才能進行代付費之流程。 On the other hand, if the third party is bound, if the authorized payment device 300 of the present invention chooses to disagree with the authorized payment module 302, the process returns to step S13. The requesting payment end device 200 can select another electronic wallet that has been bound to the authorized payment device 300 to request payment. After the bound authorized payment device 300 agrees to pay the payment, the payment payment process can be performed.
步驟S18，金融單位500之授權交易模組501回傳授權交易結果，電子錢包支付模組402判斷付款結果，並將付款結果透過電子錢包通訊模組401通知客戶端通訊模組101、消費者電子錢包交易軟體，如請求支付端通訊模組201、被請求之綁定關係第三人，如授權代付端通訊模組301，完成代付交易。 In step S18, the authorized transaction module 501 of the financial unit 500 returns the authorization transaction result, and the electronic wallet payment module 402 determines the payment result, and notifies the client communication module 101 and the consumer electronic through the electronic wallet communication module 401. The wallet transaction software, such as the requesting payment terminal communication module 201, the requested binding relationship third party, such as the authorized payment terminal communication module 301, completes the payment transaction.
本發明係為提出一種代付費用的支付方法，請參閱第3圖，第3圖為本發明之代付費用的支付方法之流程示意圖。如第3圖所示，S21請求支付端裝置接收回傳該客戶端之付款資料，接著S22請求支付端裝置透過該身分驗證模組進行驗證及選擇已綁定關係之授權代付端裝置，並進行驗證，然後由S23該授權代付模組判斷是否同意授權交易請求，S24若同意，則回傳該授權交易請求至該電子錢包控管裝置，若不同意取消交易，重新選擇另一授權代付端裝置，最後，S25該電子錢包控管裝置傳送該授權交易請求至該金融單位，並回傳代付款結果資訊至該客戶端、該請求支付端裝置與該授權代付端裝置。 The present invention provides a payment method for paying for a fee. Please refer to FIG. 3, which is a schematic flowchart of a payment method for payment on behalf of the present invention. As shown in FIG. 3, S21 requests the payment terminal device to receive the payment data of the client, and then S22 requests the payment device to verify and select the authorized payment device through the identity verification module, and After verification, the authorized payment module of S23 determines whether to approve the transaction request, and if S24 agrees, the authorized transaction request is returned to the electronic wallet control device, and if the transaction is cancelled, the other authorized generation is re-selected. The payment device, finally, S25, the electronic wallet control device transmits the authorization transaction request to the financial unit, and returns the payment result information to the client, the requesting payment device and the authorized payment device.
其中，該請求支付端裝置係為行動裝置，且該電子錢包控管裝置設定綁定關係之第三人列表，該請求支付端裝置進行身份驗證方法係為傳送一組一次性密碼(One Time Password,OTP)或輸入該綁定關係之開通密碼。 The requesting payment end device is a mobile device, and the electronic wallet control device sets a third person list of the binding relationship, and the requesting payment end device performs the identity verification method to transmit a set of one-time passwords (One Time Password) , OTP) or enter the activation password for the binding relationship.
然而，判斷是否完成交易，若已完成，該電子錢包控管裝置直接回傳資料至該請求支付端裝置與該授權代付端 裝置；若未完成，則傳送該授權代付模組之電子錢包資訊至該金融單位進行代付。 However, determining whether the transaction is completed, if completed, the electronic wallet control device directly returns the data to the requesting payment device and the authorized payment terminal. The device; if not completed, transmits the electronic wallet information of the authorized payment module to the financial unit for payment.
於實際運用時，該些電子錢包資訊可係為持有人、銀行帳號、***號或有效期限，用以驗證是否為持有人之相關資訊，或另行設置私人密碼。 In actual use, the e-wallet information may be the holder, bank account number, credit card number or expiration date, used to verify whether the information is the holder's information, or a separate private password.
本發明係為提出一種代付費用的支付方法，請參閱第4圖，第4圖為本發明之代付費用的支付方法之實施例流程圖。如第4圖所示，以電子錢包為實施例加以說明本發明之專利技術特徵，S31請求支付端裝置進行商品購買時，選擇以附卡類電子錢包進行付款，S32電子錢包控管裝置判斷附卡類電子錢包登入結果，S33請求支付端裝置透過電子錢包控管裝置向原電子錢包持有者提出代付請求，S34原電子錢包持有者同意後，可選擇之付方式，並由電子錢包支付模組以原電子錢包持有者之電子錢包進行代付，最後，S35電子錢包控管裝置通知原電子錢包持有者及請求支付端與客戶端，如店家，進行授權交易請求結果。 The present invention is directed to a payment method for paying for a fee. Referring to FIG. 4, FIG. 4 is a flow chart of an embodiment of a payment method for payment on behalf of the present invention. As shown in FIG. 4, the electronic wallet is used as an embodiment to describe the technical features of the present invention. When the S31 requests the payment terminal device to purchase the product, the payment is selected by the card-type electronic wallet, and the S32 electronic wallet control device determines The card type electronic wallet login result, S33 requests the payment terminal device to make a payment request to the original electronic wallet holder through the electronic wallet control device, and the original electronic wallet holder agrees to select the payment method and pays by the electronic wallet. The module is paid by the original electronic wallet holder's electronic wallet. Finally, the S35 electronic wallet control device notifies the original electronic wallet holder and requests the payment terminal and the client, such as the store, to authorize the transaction request result.
由第4圖中說明本發明專利技術特徵之主要流程，而本發明之代付費用的支付方法實際運用，請參閱第5圖及第6圖，第5圖為本發明之代付費用的支付方法之實施例示意圖。第6圖為本發明之代付費用的支付方法之實施例示意流程圖。如第5圖及第6圖所示，請求端602執行S41進行商品支付請求，店家601收到商品支付請求，執行S42回傳費用資訊至請求端602，接著請求端602與電子錢包控管裝置604之驗證模組6043執行S43判斷主附電子錢包關聯性是否有限，而請求端601並執行S44傳送代付請求與費用資訊至支付模組6042。 The main flow of the technical features of the present invention will be described in FIG. 4, and the payment method for the payment of the present invention is practically applied. Please refer to FIG. 5 and FIG. 6 , and FIG. 5 is the payment for the payment of the present invention. A schematic of an embodiment of the method. Figure 6 is a schematic flow chart of an embodiment of a payment method for payment on behalf of the present invention. As shown in FIG. 5 and FIG. 6, the requesting end 602 executes S41 to perform a product payment request, the store 601 receives the product payment request, executes S42 to return the charge information to the requesting end 602, and then the requesting end 602 and the electronic wallet control device The verification module 6043 of 604 performs S43 to determine whether the association of the main attached electronic wallet is limited, and the requesting end 601 performs S44 to transmit the payment request and the fee information to the payment module 6042.
接著，支付模組6042執行S45發送代付請求與費用資訊至授權端603，授權端603接收該資訊判斷是否同意進行代付，若同意執行S46同意進行代付請求並傳送費用資訊至請求端資訊至電子錢包控管裝置604之支付模組6042，由支付模組6042傳送同意進行代付請求至金融單位605，執行S47進行支付流程並回傳完成確認，由通訊模組6044傳送同意結果至請求端602、店家601以及授權端603，完成S48傳送代付、支付結果。 Then, the payment module 6042 executes S45 to send the payment request and the fee information to the authorization terminal 603. The authorization terminal 603 receives the information to determine whether to agree to pay the payment, and if it agrees to execute the S46 agreement to perform the payment request and transmits the fee information to the requesting end information. To the payment module 6042 of the electronic wallet control device 604, the payment module 6042 transmits a consent to the payment request to the financial unit 605, executes S47 to perform the payment process, and returns the completion confirmation, and the communication module 6044 transmits the consent result to the request. The terminal 602, the store 601, and the authorized terminal 603 complete the S48 transfer payment and payment result.
上列詳細說明乃針對本發明之一可行實施例進行具體說明，惟該實施例並非用以限制本發明之專利範圍，凡未脫離本發明技藝精神所為之等效實施或變更，均應包含於本案之專利範圍中。 The detailed description of the present invention is intended to be illustrative of a preferred embodiment of the invention, and is not intended to limit the scope of the invention. The patent scope of this case.
綜上所述，本案不僅於技術思想上確屬創新，並具備習用之傳統方法所不及之上述多項功效，已充分符合新穎性及進步性之法定發明專利要件，爰依法提出申請，懇請 貴局核准本件發明專利申請案，以勵發明，至感德便。 To sum up, this case is not only innovative in terms of technical thinking, but also has many of the above-mentioned functions that are not in the traditional methods of the past. It has fully complied with the statutory invention patent requirements of novelty and progressiveness, and applied for it according to law. Approved this invention patent application, in order to invent invention, to the sense of virtue.
100‧‧‧客戶端 100‧‧‧Client
101‧‧‧客戶端通訊模組 101‧‧‧Client Communication Module
200‧‧‧請求支付端裝置 200‧‧‧Request payment device
201‧‧‧請求支付端通訊模組 201‧‧‧Request payment terminal communication module
202‧‧‧請求支付模組 202‧‧‧Request payment module
300‧‧‧授權代付端裝置 300‧‧‧Authorized payment device
301‧‧‧授權代付端通訊模組 301‧‧‧Authorized payment terminal communication module
302‧‧‧授權代付模組 302‧‧‧Authorized payment module
400‧‧‧電子錢包控管裝置 400‧‧‧Electronic wallet control device
401‧‧‧電子錢包通訊模組 401‧‧‧Electronic Wallet Communication Module
402‧‧‧電子錢包支付模組 402‧‧‧Electronic Wallet Payment Module
403‧‧‧身分驗證模組 403‧‧‧ Identity Verification Module
500‧‧‧金融單位 500‧‧‧Financial Unit
501‧‧‧授權交易模組 501‧‧‧Authorized transaction module
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| CN108229949A (en) * | 2016-12-21 | 2018-06-29 | 天脉聚源（北京）科技有限公司 | A kind of internet shopping mobile terminal pays out the method and system of money |
| CN111784356A (en) * | 2020-07-22 | 2020-10-16 | 支付宝(杭州)信息技术有限公司 | Payment verification method, device, equipment and storage medium |
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| CN108229949A (en) * | 2016-12-21 | 2018-06-29 | 天脉聚源（北京）科技有限公司 | A kind of internet shopping mobile terminal pays out the method and system of money |
| CN111784356A (en) * | 2020-07-22 | 2020-10-16 | 支付宝(杭州)信息技术有限公司 | Payment verification method, device, equipment and storage medium |
| CN111784356B (en) * | 2020-07-22 | 2023-11-28 | 支付宝(杭州)信息技术有限公司 | Payment verification method, device, equipment and storage medium |
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