TW201901548A - Fast payment method for third-party payment and device thereof no need to choose a third-party payment instrument or a third-party payment institution - Google Patents
Fast payment method for third-party payment and device thereof no need to choose a third-party payment instrument or a third-party payment institution Download PDFInfo
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Abstract
Description
本發明涉及第三方支付的技術領域，特別是一種第三方支付的快速付款方法及其設備。 The invention relates to the technical field of third party payment, in particular to a fast payment method for third party payment and a device thereof.
由於電子及資訊科技的進步，電子支付成為現金以外的另一種付款方式；另一方面，在手持式電子/資訊裝置的強大功能以及功能豐富的應用軟體的支援之下，行動支付和第三方支付除了為消費者提供了方便和安全的付款方式，亦為電子商務市場和相關的電子支付服務業者帶來了龐大的商機。 Due to advances in electronics and information technology, electronic payment has become another payment method other than cash; on the other hand, mobile payment and third-party payment, supported by the powerful functions of handheld electronic/information devices and feature-rich application software. In addition to providing consumers with convenient and secure payment methods, it also brings huge business opportunities to the e-commerce market and related electronic payment service providers.
所謂第三方支付服務係指藉由網路，受交易當事人委託，由付款人將交易款項交付予中介機構，並於一定條件成就時(如取得商品或服務)，再將該交易款項轉付受款人，完成交易之資金移轉服務。就一般通俗之概念而言，第三方支付就是甲方向乙方購買商品或服務，甲方先將款項交予信賴的第三人保管，等到乙方交付商品或提供服務予甲方且甲方確認沒有異議之後，第三人再將款項支付予乙方，即稱為第三方支付。 The so-called third-party payment service refers to the network, which is entrusted by the transaction party, and the payer delivers the transaction money to the intermediary, and when certain conditions are achieved (such as obtaining goods or services), the transaction money is transferred to the transaction. The fund transfer service for completing the transaction. As far as the general popular concept is concerned, third-party payment means that Party A purchases goods or services from Party B. Party A shall first hand over the money to the trusted third party for custody, and wait until Party B delivers the goods or provides services to Party A and Party A confirms that there is no objection. After that, the third party will pay the amount to Party B, which is called third party payment.
為了因應多種的付款方式，目前交易市場的賣方通常提供了多種不同的付款機制以滿足大部份消費者的需要，買方再使用支付工具進行付款，支付工具指的是消費者使用第三方支付來購買商品時，透過什麼樣的方式將貨款付給第三方支付業者或賣家，可以分為儲值型和非儲值型支付工具；目前常見的支付工具例如：***、電子錢包、儲值卡、第 三方支付App；對於買方而言在選購商品或服務之後，賣方首先要在銷售端的交易設備(例如銷售點系統(POS)的端末設備)或是交易付款界面的眾多付款方式的選項中選取買方使用的第三方支付機構，再利用上述的支付工具進行付款的動作；雖然賣方提供了支援多種支付方式的付款機制，但是對於賣家或是買家而言仍然需要從多種不同的支付選項中擇一使用，在付款的操作方面顯然不甚方便。 In order to respond to a variety of payment methods, sellers in the current trading market usually provide a variety of different payment mechanisms to meet the needs of most consumers, the buyer then uses payment tools to make payments, and the payment instrument refers to consumers using third-party payment. When purchasing goods, how to pay the goods to third-party payment providers or sellers can be divided into stored-value and non-pre-valued payment instruments; currently common payment tools such as credit cards, e-wallets, stored value cards, Third-party payment app; for the buyer, after purchasing the goods or services, the seller must first select from the trading device of the sales terminal (such as the terminal device of the point of sale system (POS)) or the payment method of the payment payment interface. The third-party payment institution used by the buyer, and then using the above payment instrument to make payment; although the seller provides a payment mechanism to support multiple payment methods, it still needs to choose from a variety of different payment options for the seller or the buyer. Once used, it is obviously not convenient in terms of payment operations.
本發明要解決的技術問題是提供一種第三方支付的快速付款方法及其設備。 The technical problem to be solved by the present invention is to provide a fast payment method for third party payment and a device thereof.
為了解決上述的技術問題，本發明第三方支付的快速付款方法，包括：提供一支付服務器，所述支付服務器與第三方支付機構以及銷售端的端末銷售裝置通訊連接；載入第三方支付機構和其發行之第三方支付工具的支付工具識別代碼對照資料，和第三方支付機構自定義的付款資料格式；讀取銷售端提供的支付工具識別代碼、交易資料和付款者的身份識別資料；從前述的支付工具識別代碼對照資料中搜尋和支付工具識別代碼對應的第三方支付機構及其自定義的付款資料格式；併同交易資料和付款者的身份識別資料產生符合所述付款資料格式的付款驗證資料；將付款驗證資料發送予第三方支付機構進行安全驗證；以 及取得第三方支付機構回覆的安全驗證結果，並將安全驗證結果發送至銷售端。 In order to solve the above technical problem, the fast payment method of the third party payment of the present invention comprises: providing a payment server, the payment server is connected with a third party payment institution and a terminal end sales device of the sales end; loading the third party payment institution and the like The payment instrument identification code of the issued third-party payment instrument, and the payment data format customized by the third-party payment institution; reading the payment instrument identification code, transaction data and the sender's identification data provided by the sales terminal; The payment instrument identification code compares the third-party payment institution corresponding to the search and payment tool identification code and its customized payment data format; and generates payment verification data conforming to the payment data format with the transaction data and the sender's identification data. Sending the payment verification data to a third-party payment institution for security verification; and obtaining the security verification result replied by the third-party payment institution, and sending the security verification result to the sales side.
本發明的方法其中包括：在銷售端的端末銷售裝置提供一操作界面，用以啟動第三方支付的付款程序。 The method of the present invention includes: providing an operation interface at the end of the sales terminal of the sales terminal to initiate a payment procedure for the third party payment.
本發明的方法其中包括：在銷售端的端末銷售裝置提供的操作界面啟動所述的付款程序之後，利用端末銷售裝置的讀取裝置讀取買方使用之第三方支付工具的支付工具識別代碼和付款者的身份識別資料。 The method of the present invention includes: after the payment interface provided by the end-of-sales selling device of the sales terminal starts the payment program, using the reading device of the end-selling device to read the payment instrument identification code and the payer of the third-party payment instrument used by the buyer Identification information.
另一方面，本發明包括一種第三方支付的快速付款設備，包括：設置於銷售端的一端末銷售裝置，端末銷售裝置可產生交易資料，端末銷售裝置電性連接一讀取裝置，讀取裝置用以讀取第三方支付工具的支付工具識別代碼和付款者的身份識別資料；以及一支付服務器包括：一通訊模組和一第三方支付模組，通訊模組和端末銷售裝置以及第三方支付機構通訊連接；第三方支付模組與通訊模組電性連接，第三方支付模組儲存有至少一第三方支付機構自定義的一付款資料格式和至少一第三方支付機構發行之第三方支付工具的支付工具識別代碼對照資料，第三方支付模組藉由通訊模組取得端末銷售裝置讀取的支付工具識別代碼、付款者的身份識別資料和交易資料，第三方支付模組依據支付工具識別代碼對照資料辨識和支付工具識別代碼對應的第三方支付機構，再依據第三方支付機構自定義的付款資料格式，併同銷售端的交易資料和付款者的身份識別資料產生符合所述付款資料格式的一付款驗證資料，再將付款驗證資料發送予第三方支付機構進行安全驗證，以 及取得第三方支付機構回覆的安全驗證結果，並將安全驗證結果發送至銷售端的端末銷售裝置。 In another aspect, the present invention includes a fast payment device for third party payment, comprising: a terminal selling device disposed at a sales end, a terminal selling device generating transaction data, and a terminal selling device electrically connected to a reading device, and the reading device is Reading the payment instrument identification code of the third party payment instrument and the identity data of the payer; and a payment server comprising: a communication module and a third party payment module, a communication module and a terminal sales device, and a third party payment institution a communication connection; the third-party payment module is electrically connected to the communication module, and the third-party payment module stores at least one payment data format customized by a third-party payment institution and at least one third-party payment tool issued by a third-party payment institution. The payment instrument identification code is compared with the data, and the third-party payment module obtains the payment instrument identification code read by the terminal sales device, the sender's identification data and the transaction data by the communication module, and the third-party payment module is based on the payment instrument identification code. Third party payment machine corresponding to the data identification and payment instrument identification code And according to the payment data format customized by the third-party payment institution, and generating a payment verification data conforming to the payment data format with the transaction data of the sales terminal and the identification data of the payer, and then transmitting the payment verification data to the third party for payment. The organization conducts security verification and obtains the security verification result replied by the third-party payment institution, and sends the security verification result to the end-of-sale sales device at the sales end.
進一步地，在銷售端的端末銷售裝置包含一操作界面，操作界面具有一啟動按鍵用以啟動第三方支付的付款程序。 Further, the end-of-sales device on the sales end includes an operation interface having an activation button for initiating a payment program for the third party payment.
其中讀取裝置包含但不限於條碼掃描器、近距離無線通訊(Near Field Communication，NFC)感應器、感應式讀卡機、***刷卡機、鍵盤、聲波接收器和攝影機其中的任一種或其組合。 The reading device includes, but is not limited to, a bar code scanner, a near field communication (NFC) sensor, an inductive card reader, a credit card swipe machine, a keyboard, a sound wave receiver, and a camera, or a combination thereof. .
其中支付服務器包含：伺服器、個人電腦、系統單晶片和嵌入式系統其中的任一種。 The payment server includes any one of a server, a personal computer, a system single chip, and an embedded system.
其中通訊模組可採用的通訊界面包含：乙太網路(Ethernet)、通用串列匯流排(universal serial bus；USB)、藍芽(Bluetooth)、無線網路(WiFi)、串列埠(serial port)例如：RS-232串列埠，以及可傳送資訊的行動通訊網路其中的任一種或其組合。 The communication interface that can be used in the communication module includes: Ethernet, universal serial bus (USB), Bluetooth, wireless network (WiFi), serial port (serial) Port) For example: RS-232 serial port, and any one or combination of mobile communication networks that can transmit information.
在本發明的一方面，支付服務器進一步包含：一銷售點系統(POS)模組(下文簡稱POS模組)、一讀取裝置電性連接銷售點系統模組，以及一顯示器電性連接支付服務器，銷售端例如特約商店可以在沒有設置端末設備的情況之下，直接使用本發明支付服務器與消費者進行交易並進行第三方支付的付款程序。 In an aspect of the invention, the payment server further includes: a point of sale system (POS) module (hereinafter referred to as a POS module), a reading device electrically connected to the point of sale system module, and a display electrically connected to the payment server. The sales terminal, for example, the special store, can directly use the payment server of the present invention to conduct transactions with the consumer and perform payment procedures for the third party payment without setting the terminal device.
其中第三方支付工具包括但不限於***、電子錢包、儲值卡、運行有第三方支付應用程式的電子裝置和二維條碼其中的任一種。 Third party payment tools include, but are not limited to, credit cards, electronic wallets, stored value cards, electronic devices running third party payment applications, and two-dimensional barcodes.
其中運行有第三方支付應用程式APP的電子裝置更可以產生包含但不限於二維條碼、聲波、帳號其中任一種用以表示付款者身份的 身份識別資料。 The electronic device running the third party payment application APP can generate identification information including, but not limited to, a two-dimensional barcode, a sound wave, and an account number for indicating the identity of the payer.
有關本發明的具體實施方式及其技術特點和功效，下文將配合圖式說明如下。 Specific embodiments of the present invention and its technical features and effects will be described below in conjunction with the drawings.
10‧‧‧端末銷售裝置 10‧‧‧End sales device
11‧‧‧讀取裝置 11‧‧‧Reading device
12‧‧‧操作界面 12‧‧‧Operation interface
20‧‧‧支付服務器 20‧‧‧Payment Server
30‧‧‧通訊模組 30‧‧‧Communication module
40‧‧‧第三方支付模組 40‧‧‧ Third party payment module
41‧‧‧付款資料格式 41‧‧‧ Payment Information Format
42‧‧‧支付工具識別代碼對照資料 42‧‧‧Payment instrument identification code comparison data
43‧‧‧第三方支付的付款處理程序 43‧‧‧ Payment processing procedures for third party payments
50‧‧‧第三方支付平台 50‧‧‧ Third-party payment platform
60‧‧‧銷售點系統模組 60‧‧‧Point of Sale System Module
61‧‧‧第二讀取裝置 61‧‧‧second reading device
62‧‧‧顯示器 62‧‧‧ display
M‧‧‧第三方支付工具 M‧‧‧Third-party payment tools
第1圖是本發明第三方支付的快速付款設備的一實施例的架構圖。 1 is an architectural diagram of an embodiment of a fast payment device for third party payment of the present invention.
第2圖是本發明第三方支付的快速付款設備的另一實施例的架構圖。 Figure 2 is a block diagram of another embodiment of a fast payment device for third party payment of the present invention.
第3圖是本發明第三方支付的快速付款方法的一實施例的步驟流程圖。 Figure 3 is a flow chart showing the steps of an embodiment of the fast payment method for third party payment of the present invention.
第4圖是本發明第三方支付的快速付款方法的另一實施例的步驟流程圖。 Figure 4 is a flow chart showing the steps of another embodiment of the fast payment method of the third party payment of the present invention.
第5圖繪示付款者通過本發明第三方支付的快速付款方法及其設備進行付款的付款程序的一範例。 Figure 5 is a diagram showing an example of a payment process by which a payer makes a payment by means of a third party payment by the present invention and a device.
首先請參閱第1圖是本發明第三方支付的快速付款設備的一實施例的架構圖。本發明第三方支付的快速付款設備係應用於銷售端和第三方支付機構(或第三方支付平台)之間的第三方支付服務的付款程序。 First, please refer to FIG. 1 is an architectural diagram of an embodiment of a fast payment device for third party payment according to the present invention. The fast payment device for third party payment of the present invention is applied to a payment procedure of a third party payment service between a sales terminal and a third party payment institution (or a third party payment platform).
本發明第三方支付的快速付款設備的一實施例，包括：設置於銷售端的一端末銷售裝置10，以及一支付服務器20。 An embodiment of the fast payment device of the third party payment of the present invention comprises: a terminal selling device 10 disposed at the sales end, and a payment server 20.
由於電子商務技術及其應用的普及化，買方購買商品或服務的方式已不限於透過實體商店，透過虛擬化的網路商店和網路交易平臺，甚至是一種運行於買方使用之電子資訊裝置(例如電腦或智慧型手機) 的應用軟體(APP)，都能進行商品或服務的交易。 Due to the popularity of e-commerce technology and its applications, buyers are not limited to buying goods or services through physical stores, through virtualized online stores and online trading platforms, or even electronic information devices running on buyers ( For example, the application software (APP) of a computer or a smart phone can trade goods or services.
其中端末銷售裝置10包含但不限於：(1)銷售點系統(POS)的端末機(下文簡稱POS端末機)、(2)可以透過買方使用之電子資訊裝置(例如電腦或智慧型手機)登入的網路商店和網路交易平臺，以及(3)運行於買方使用之電子資訊裝置(例如電腦或智慧型手機)的應用軟體(APP)其中的任一種；端末銷售裝置10電性連接一讀取裝置11，讀取裝置11用以讀取第三方支付工具M的支付工具識別代碼和付款者的身份識別資料，所述讀取裝置11包含但不限於條碼掃描器、近距離無線通訊(Near Field Communication，NFC)感應器、感應式讀卡機、***刷卡機、鍵盤、聲波接收器和攝影機其中的任一種或其組合；所述的端末銷售裝置10一般而言是和賣方使用的銷售管理系統通訊連接，可以提供賣方進行商品的銷售、管理和統計功能，端末銷售裝置10可以在買方購買商品或服務之後產生一交易資料，所述的交易資料是指有關該筆交易內容的詳細資訊，其中交易資料的內容的一種實施方式包含：付款者的身份識別資料、訂單編號、訂單金額、以及ERP專用欄位，其中付款者的身份識別資料一般而言可以透過讀取付款者出示的第三方支付工具M獲得。 The terminal sales device 10 includes, but is not limited to: (1) a terminal system of a point of sale system (POS) (hereinafter referred to as a POS end machine), and (2) an electronic information device (such as a computer or a smart phone) that can be accessed by the buyer. Online store and online trading platform, and (3) any one of the application software (APP) running on the electronic information device (such as a computer or a smart phone) used by the buyer; the terminal selling device 10 is electrically connected The device 11 is configured to read the payment instrument identification code of the third-party payment instrument M and the identity data of the payer, and the reading device 11 includes but is not limited to a barcode scanner and short-range wireless communication (Near Field Communication, NFC) any one or a combination of a sensor, an inductive card reader, a credit card swipe machine, a keyboard, a sound wave receiver, and a camera; the end-of-sales device 10 is generally a sales manager used by the seller. The system communication connection can provide the seller with the function of selling, managing and counting the goods, and the terminal selling device 10 can generate a transaction data after the buyer purchases the goods or services. The transaction data refers to detailed information about the content of the transaction, wherein an implementation of the content of the transaction data includes: the identifier of the payer, the order number, the order amount, and the ERP-specific field, wherein the payer's The identification information can generally be obtained by reading the third party payment instrument M presented by the payer.
進一步地，在銷售端的端末銷售裝置10包含一操作界面12，操作界面12具有一啟動按鍵用以啟動第三方支付的付款程序，其中啟動按鍵可以是實體按鍵或是圖形化功能按鍵，圖形化功能按鍵的一種實施方式是提供一顯示器以顯示所示的操作界面12，其中的顯示器包含但不限於液晶顯示器，和觸控式顯示器其中的任一種。 Further, the end-end sales device 10 on the sales end includes an operation interface 12, and the operation interface 12 has a startup button for initiating a payment program for the third-party payment, wherein the startup button can be a physical button or a graphical function button, and the graphic function is One embodiment of a button is to provide a display to display the illustrated operator interface 12, including, but not limited to, a liquid crystal display, and a touch display.
其中第三方支付工具M包括但不限於***、電子錢包、 儲值卡、運行有第三方支付應用程式的電子裝置和二維條碼其中的任一種。其中運行有第三方支付應用程式APP的電子裝置更可以產生包含但不限於二維條碼、聲波、帳號其中任一種用以表示付款者身份的身份識別資料。進一步地，買方透過電子資訊裝置(例如電腦或智慧型手機)登入的網路商店和網路交易平臺，也可以是透過輸入第三方支付的帳號的方式進行第三方支付的付款程序。凡此種種方式皆為本發明第三方支付的快速付款方法及其設備可以實施的方式。 The third party payment instrument M includes, but is not limited to, a credit card, an electronic wallet, a stored value card, an electronic device running a third party payment application, and a two-dimensional barcode. The electronic device running the third party payment application APP can further generate identification data including, but not limited to, a two-dimensional barcode, a sound wave, and an account number for indicating the identity of the payer. Further, the online store and the online trading platform that the buyer logs in through the electronic information device (such as a computer or a smart phone) may also be a payment process for the third party payment by inputting an account paid by the third party. All of these methods are the fast payment methods of the third party payment of the invention and the manner in which the devices can be implemented.
其中支付服務器20包括：一通訊模組30和一第三方支付模組40，其中一種實施方式是在第三方支付模組40內建有第三方支付的付款處理程序43，用於自動處理第三方支付的付款程序。 The payment server 20 includes: a communication module 30 and a third-party payment module 40. One embodiment is to establish a third-party payment payment processing program 43 in the third-party payment module 40 for automatically processing the third party. Payment procedures paid.
在本發明下文所揭露的實施方式中，所述的模組包括了以軟體和韌體(firmware)其中的任一種或其組合實施的態樣，特別是在包含電子、資訊和通訊等技術的方法和裝置的技術領域，上述的實施方式對於熟悉該技術領域者應能瞭解並據以實施。例如通訊模組30的一種實施態樣是由電腦、網路通訊界面、網路通訊協定(包含但不限於：TCP/IP、DHCP、FTP等)和通訊控制程序所構成；在其他的實施方式，所述的通訊模組30也可以透過系統單晶片(System on Chip，SoC)的技術實施。 In the embodiments disclosed herein below, the module includes aspects implemented in any one or a combination of software and firmware, particularly in technologies including electronics, information, and communication. The technical field of the method and apparatus, the above-described embodiments should be understood and implemented by those skilled in the art. For example, an implementation aspect of the communication module 30 is composed of a computer, a network communication interface, a network communication protocol (including but not limited to: TCP/IP, DHCP, FTP, etc.) and a communication control program; in other embodiments The communication module 30 can also be implemented by a system on chip (SoC) technology.
在本發明的一實施例，通訊模組30可採用的通訊界面包含：乙太網路(Ethernet)、通用串列匯流排(universal serial bus；USB)、藍芽(Bluetooth)、無線網路(WiFi)、串列埠(serial port)例如：RS-232串列埠，以及可傳送資訊的行動通訊網路(例如第三代行動通訊技術3rd-Generation或更先進的行動通訊技術)其中的任一種或其組合。 In an embodiment of the invention, the communication interface of the communication module 30 includes: an Ethernet, a universal serial bus (USB), a Bluetooth, and a wireless network ( WiFi), serial port such as: RS-232 serial port, and any kind of mobile communication network (such as 3rd-generation mobile communication technology 3rd-Generation or more advanced mobile communication technology) Or a combination thereof.
支付服務器20的實施方式可以是伺服器(Server)、個人電腦(Personal Computer)、系統單晶片(System on Chip，SoC)和嵌入式系統(Embedded System)其中的任一種，較佳地本發明的支付服務器20是一種網路伺服器，可以通過通訊網路(網際網路、行動通訊網路、區域網路其中的任一種)和第三方支付機構通訊連接，一般而言，係指和第三方支付機構的第三方支付平台(Third-party payment platform)或是第三方支付伺服器通訊連接；另一方面，本發明的支付服務器20亦通過通訊網路和銷售端的端末銷售裝置10(例如銷售點系統-POS的端末設備)通訊連接。 The implementation of the payment server 20 may be any one of a server, a personal computer, a system on chip (SoC), and an embedded system, preferably the present invention. The payment server 20 is a network server that can communicate with a third-party payment institution through a communication network (any of the Internet, a mobile communication network, and a regional network), and generally refers to a third-party payment institution. Third-party payment platform (Third-party payment platform) or third-party payment server communication connection; on the other hand, the payment server 20 of the present invention also passes through the communication network and the end-of-sales sales device 10 of the sales terminal (for example, a point-of-sale system-POS) End device) communication connection.
如第1圖所繪示的一種實施例，其中支付服務器20的通訊模組30和端末銷售裝置10以及多個第三方支付機構的第三方支付平台50通訊連接；第三方支付模組40與通訊模組30電性連接，第三方支付模組40儲存有至少一第三方支付機構自定義的一付款資料格式41和至少一第三方支付機構發行之第三方支付工具M的支付工具識別代碼對照資料42，第三方支付模組40藉由通訊模組30取得端末銷售裝置10讀取的支付工具識別代碼、付款者的身份識別資料和交易資料，第三方支付模組40依據支付工具識別代碼對照資料42辨識和支付工具識別代碼對應的第三方支付機構，再依據第三方支付機構自定義的付款資料格式41，併同銷售端的交易資料和付款者的身份識別資料產生符合所述付款資料格式41的付款驗證資料，再將付款驗證資料發送給第三方支付機構進行安全驗證，以及取得第三方支付機構回覆的安全驗證結果(通過或失敗)，並將安全驗證結果發送至銷售端的端末銷售裝置10。其中若是通過安全驗證結果，表示付款成功即完成付款程序。反之，若是安全驗證結果為失敗，表示付款失敗並將結 果發送至銷售端的端末銷售裝置10用以告知付款者。 As shown in FIG. 1 , the communication module 30 of the payment server 20 and the terminal selling device 10 and the third-party payment platform 50 of the plurality of third-party payment institutions are communicatively connected; the third-party payment module 40 and the communication The module 30 is electrically connected, and the third-party payment module 40 stores at least one payment data format 41 customized by a third-party payment institution and a payment instrument identification code comparison data of the third-party payment instrument M issued by at least one third-party payment institution. The third-party payment module 40 obtains the payment instrument identification code read by the end-selling device 10, the sender's identification data, and the transaction data by the communication module 30, and the third-party payment module 40 identifies the code according to the payment instrument identification code. 42. The third-party payment institution corresponding to the identification and payment tool identification code, and then according to the payment data format 41 customized by the third-party payment institution, and the transaction data of the sales terminal and the identity data of the payer are generated in accordance with the payment data format 41. Payment verification data, then send the payment verification data to a third-party payment institution for security verification, and obtain The security verification result (pass or fail) replied by the third party payment institution, and the security verification result is sent to the end-end sales device 10 of the sales terminal. If the result of the security verification is passed, it means that the payment is successful and the payment process is completed. On the other hand, if the result of the security verification is a failure, the payment is unsuccessful and the result is sent to the end of the sales terminal 10 of the sales terminal to inform the payer.
第三方支付機構發行的第三方支付工具M都具有一種支付工具識別代碼，支付工具識別代碼目前已有統一的編碼規則，例如首二碼為28代表-支付寶，本發明方法的一種實施方式是先取得至少一個第三方支付機構所發行的第三方支付工具M的支付工具識別代碼，再儲存於電腦可讀取的記錄媒體或電子儲存裝置(例如記憶體或硬碟機)成為所述的「支付工具識別代碼對照資料」；「支付工具識別代碼對照資料」係用以記錄每一個第三方支付機構和其所發行的第三方支付工具M的對應關係，在實施本發明方法時，係將所述的「支付工具識別代碼對照資料」載入本發明的支付服務器20，然後在付款者使用第三方支付工具M進行付款時，透過端末銷售裝置10的讀取裝置11讀取付款者使用的第三方支付工具M內含的支付工具識別代碼，再依據已載入的「支付工具識別代碼對照資料」自動辨識對應第三方支付工具M的第三方支付機構。 The third-party payment instrument M issued by the third-party payment institution has a payment instrument identification code, and the payment instrument identification code currently has a unified coding rule. For example, the first two codes are 28 representatives - Alipay, and one embodiment of the method of the present invention is Obtaining a payment instrument identification code of the third-party payment instrument M issued by at least one third-party payment institution, and storing the same on a computer-readable recording medium or an electronic storage device (such as a memory or a hard disk drive) "Tool identification code comparison data"; "payment instrument identification code comparison data" is used to record the correspondence relationship between each third-party payment institution and its issued third-party payment instrument M, which is to be implemented when implementing the method of the present invention The "payment instrument identification code comparison data" is loaded into the payment server 20 of the present invention, and then when the payer uses the third-party payment instrument M for payment, the third party used by the payer is read through the reading device 11 of the terminal sales device 10. The payment instrument identification code included in the payment instrument M, and then based on the loaded payment instrument identification code pair According to the information, the third-party payment institution corresponding to the third-party payment instrument M is automatically identified.
由於端末銷售裝置10在買方購買商品或服務之後產生的交易資料的資料格式固定，而且不一定符合每一個第三方支付機構自定義的付款資料格式，如果將所述的交易資料直接發送給第三方支付機構進行安全驗證，恐怕無法完成第三方支付的付款程序；本發明的一種實施方式是先取得至少一個第三方支付機構定義的付款資料格式41，在付款者使用第三方支付工具M進行付款時，透過銷售端的讀取裝置11讀取付款者使用的第三方支付工具M的支付工具識別代碼並且自動辨識對應的第三方支付機構，再依據第三方支付機構自定義的付款資料格式41，併同銷售端的交易資料和付款者的身份識別資料產生符合所述付款資料格式41的付款驗證資 料，再將付款驗證資料發送予第三方支付機構進行安全驗證，進而完成付款程序。 Since the data format of the transaction data generated by the end-selling device 10 after the buyer purchases the goods or services is fixed, and does not necessarily conform to the payment data format customized by each third-party payment institution, if the transaction data is directly sent to the third party The payment institution performs security verification, and may not be able to complete the payment procedure of the third party payment; one embodiment of the present invention is to obtain at least one payment data format 41 defined by the third party payment institution, when the payer uses the third party payment instrument M to make payment. Reading the payment instrument identification code of the third-party payment instrument M used by the payer through the reading device 11 on the sales side and automatically identifying the corresponding third-party payment institution, and then according to the customized payment data format 41 of the third-party payment institution, and the same The transaction data of the sales terminal and the identification data of the payer generate payment verification data conforming to the payment data format 41, and then send the payment verification data to a third-party payment institution for security verification, thereby completing the payment process.
請參閱第2圖是本發明第三方支付的快速付款設備的另一實施例的架構圖。其中支付服務器20進一步包含：一銷售點系統(POS)模組60、一第二讀取裝置61和一顯示器62，其中第二讀取裝置61電性連接銷售點系統模組60，第二讀取裝置61和前述讀取裝置11的實施方式相同，顯示器62電性連接支付服務器20，其中的顯示器62包含但不限於液晶顯示器，和觸控式顯示器其中的任一種。因此，銷售端例如特約商店可以在沒有設置端末銷售裝置10的情況之下，直接利用本發明支付服務器20的POS模組60、第二讀取裝置61和顯示器62與消費者進行交易並且可以快速和方便地完成第三方支付的付款程序。 Please refer to FIG. 2, which is an architectural diagram of another embodiment of the fast payment device of the third party payment of the present invention. The payment server 20 further includes: a point of sale system (POS) module 60, a second reading device 61, and a display 62, wherein the second reading device 61 is electrically connected to the point of sale system module 60, and the second reading The device 61 is the same as the foregoing reading device 11. The display 62 is electrically connected to the payment server 20, wherein the display 62 includes, but is not limited to, a liquid crystal display, and a touch display. Therefore, the sales terminal such as the special store can directly use the POS module 60, the second reading device 61 and the display 62 of the payment server 20 of the present invention to conduct transactions with the consumer without setting the terminal selling device 10 and can quickly And convenient to complete the payment process for third party payments.
請參閱第3圖，是本發明第三方支付的快速付款方法的一實施例的步驟流程圖。 Please refer to FIG. 3, which is a flow chart of steps of an embodiment of a fast payment method for third party payment according to the present invention.
本發明第三方支付的快速付款方法係應用於銷售端和第三方支付機構(或第三方支付平台50)之間的第三方支付服務的付款程序，本發明提出的第三方支付的快速付款方法，包括下列步驟：提供一支付服務器20，所述支付服務器20與第三方支付機構以及銷售端的端末銷售裝置10通訊連接；載入第三方支付機構和其發行之第三方支付工具M的支付工具識別代碼對照資料，和第三方支付機構自定義的付款資料格式41；讀取銷售端提供的支付工具識別代碼、交易資料和付款者的身份識別資料； 從前述的支付工具識別代碼對照資料中搜尋和支付工具識別代碼對應的第三方支付機構及其自定義的付款資料格式41；併同交易資料和付款者的身份識別資料產生符合所述付款資料格式41的付款驗證資料；將付款驗證資料發送予第三方支付機構進行安全驗證；以及取得第三方支付機構回覆的安全驗證結果，並將安全驗證結果發送至銷售端的端末銷售裝置10。 The fast payment method of the third party payment of the present invention is applied to the payment procedure of the third party payment service between the sales terminal and the third party payment institution (or the third party payment platform 50), and the fast payment method of the third party payment proposed by the present invention, The method includes the following steps: providing a payment server 20, the payment server 20 is in communication connection with the third-party payment institution and the end-of-sales sales device 10 of the sales terminal; and the payment instrument identification code of the third-party payment institution M and the third-party payment instrument M issued by the third-party payment institution Comparison data, and a third-party payment institution customized payment data format 41; reading the payment instrument identification code provided by the sales terminal, transaction data, and the sender's identification data; searching and paying from the aforementioned payment instrument identification code comparison data a third-party payment institution corresponding to the tool identification code and its customized payment data format 41; and generating payment verification data conforming to the payment data format 41 with the transaction data and the sender's identification data; sending the payment verification data to the first Three-party payment agency conducts security verification; and obtains a third party Safety mechanism authentication result reply paid, and transmitting the authentication result to the security of the sales terminal device 10 Duanmo sales.
請參閱第4圖，是本發明第三方支付的快速付款方法的另一實施例的步驟流程圖。在本發明方法的另一實施例步驟，其中包括：在銷售端的端末銷售裝置10提供一操作界面12，用以啟動第三方支付的付款程序，其中操作界面的實施方式包括：觸控式操作界面和實體按鍵其中的任一種。在買方使用第三方支付工具M付款時，賣方或是買方首先在銷售端的端末銷售裝置10提供的操作界面12啟動所述的付款程序，然後利用端末銷售裝置10的讀取裝置11讀取買方使用之第三方支付工具M的支付工具識別代碼和付款者的身份識別資料，就能進行付款。因此，賣方或買方不需要選擇第三方支付工具M或是第三方支付機構，只需出示第三方支付工具M就能自動完成第三方支付的付款程序。 Please refer to FIG. 4, which is a flow chart of steps of another embodiment of the fast payment method for third party payment according to the present invention. In another embodiment of the method of the present invention, the method includes: an operation interface 12 on the sales end provides an operation interface 12 for initiating a payment process of the third party payment, wherein the implementation of the operation interface includes: a touch operation interface And any of the physical buttons. When the buyer pays with the third party payment instrument M, the seller or the buyer first activates the payment program at the operation interface 12 provided by the end selling device 10 of the sales terminal, and then reads the buyer using the reading device 11 of the end selling device 10. The third party payment instrument M's payment instrument identification code and the payer's identification data can be used for payment. Therefore, the seller or the buyer does not need to select a third-party payment instrument M or a third-party payment institution, and only the third-party payment instrument M can be presented to automatically complete the payment procedure of the third-party payment.
請參閱第5圖，其中繪示了依據本發明上述方法步驟透過本發明第三方支付的快速付款方法及其設備進行付款的付款程序的一範例，以下說明係作為說明本發明上述方法步驟，並非用於限制其實施方式。 Please refer to FIG. 5, which illustrates an example of a payment process for payment by means of the above-described method steps of the present invention through the third party payment of the present invention and the device for payment. The following description is illustrative of the steps of the method of the present invention. Used to limit its implementation.
如第5圖所繪示，首先付款者(買方)使用第三方支付工具M(例如運行有第三方支付App的智慧型手機)至特約商店的端末銷售裝置10付款(step 201)；特約商店使用端末銷售裝置10進行結帳作業(step 202)，特約商店通常是使用端末銷售裝置10產生和交易內容相應的交易資訊(例如：訂單編號、訂單金額、以及ERP專用欄位的內容)；當付款者要求以第三方支付方式付款，端末銷售裝置10的收費人員首先在端末銷售裝置10的操作界面12點擊或按下啟動按鍵啟動第三方支付的付款程序(step 203)；消費者使用第三方支付工具M出示身份識別碼(例如二維條碼)，經由讀取裝置11(例如條碼掃瞄器)讀取付款者的身份識別碼，同時讀取第三方支付工具M的支付工具識別代碼(step 204)；將交易資料、付款者的身份識別碼和支付工具識別代碼傳送至本發明支付服務器20(step 205)；本發明支付服務器20從支付工具識別代碼對照資料中搜尋和支付工具識別代碼對應的第三方支付機構及其自定義的付款資料格式(step 206)；支付服務器20併同交易資料和付款者的身份識別資料產生符合付款資料格式的一付款驗證資料(step 207)；將付款驗證資料發送予第三方支付機構的第三方支付平台進行安全驗證(step 208)；第三方支付平台將安全驗證結果回傳給端末銷售裝置10(step 209)；端末銷售裝置10取得第三方支付平台回覆的安全驗證結果，並且依據安全驗證結果顯示付款結果，安全驗證成功即表示付款成功，否則即表示付款失敗，至此完成了第三方支付的付款程序(step 210)。 As shown in FIG. 5, first, the payer (buyer) uses a third-party payment instrument M (for example, a smart phone running a third-party payment app) to pay for the end-of-sales device 10 of the special store (step 201); The end-of-sales device 10 performs a checkout operation (step 202), and the special store typically uses the end-of-sales device 10 to generate transaction information corresponding to the transaction content (eg, order number, order amount, and content of the ERP-specific field); The person is required to pay by the third party payment method, and the charging person of the terminal selling device 10 first clicks or presses the start button on the operation interface 12 of the terminal selling device 10 to start the payment process of the third party payment (step 203); the consumer uses the third party payment The tool M presents an identification code (for example, a two-dimensional barcode), reads the payer's identification code via the reading device 11 (for example, a barcode scanner), and simultaneously reads the payment instrument identification code of the third-party payment tool M (step 204) Transmitting the transaction data, the payer's identification code, and the payment instrument identification code to the payment server 20 of the present invention (step 205); the payment service of the present invention 20 from the payment instrument identification code comparison data search and payment tool identification code corresponding third party payment institution and its customized payment data format (step 206); the payment server 20 and the transaction data and the payer's identification data to produce a match a payment verification data of the payment data format (step 207); sending the payment verification data to a third-party payment platform of the third-party payment institution for security verification (step 208); the third-party payment platform returns the security verification result to the end-end sales device 10 (step 209); the terminal sales device 10 obtains the security verification result replied by the third-party payment platform, and displays the payment result according to the security verification result. If the security verification succeeds, the payment is successful, otherwise the payment fails, and the third-party payment is completed. Payment process (step 210).
雖然本發明已透過上述之實施例揭露如上，然其並非用以限定本發明，任何熟習相像技藝者，在不脫離本發明之精神和範圍內，當可作些許之更動與潤飾，因此本發明之專利保護範圍須視本說明書所附之 請求項所界定者為準。 While the present invention has been described above by way of example, the present invention is not intended to limit the invention, and the invention may be modified and modified without departing from the spirit and scope of the invention. The scope of patent protection is subject to the terms of the claims attached to this specification.
Claims (12)
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW106113869A TW201901548A (en) | 2017-05-15 | 2017-05-15 | Fast payment method for third-party payment and device thereof no need to choose a third-party payment instrument or a third-party payment institution |
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| TW106113869A TW201901548A (en) | 2017-05-15 | 2017-05-15 | Fast payment method for third-party payment and device thereof no need to choose a third-party payment instrument or a third-party payment institution |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI832065B (en) * | 2021-06-25 | 2024-02-11 | 網聯股份有限公司 | Physical card that reduces transaction time and how to use it |
| US12050958B2 (en) | 2021-02-09 | 2024-07-30 | Net Alliance Co., Ltd. | Physical card capable of improving authenticity identification and methods of using thereof |
-
2017
- 2017-05-15 TW TW106113869A patent/TW201901548A/en unknown
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US12050958B2 (en) | 2021-02-09 | 2024-07-30 | Net Alliance Co., Ltd. | Physical card capable of improving authenticity identification and methods of using thereof |
| TWI832065B (en) * | 2021-06-25 | 2024-02-11 | 網聯股份有限公司 | Physical card that reduces transaction time and how to use it |
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