TW201917647A - Virtual wallet account payment method in which a virtual account is opened in an offshore financial institution by using an account of an on-shore financial institution for fund transfer through a business account established in the offshore financial institution - Google Patents
Virtual wallet account payment method in which a virtual account is opened in an offshore financial institution by using an account of an on-shore financial institution for fund transfer through a business account established in the offshore financial institution Download PDFInfo
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本發明關於一種支付方法，尤其設及基於移動設備的電子虛擬錢包支付方法。The present invention relates to a payment method, and more particularly to a mobile device-based electronic virtual wallet payment method.
目前移動電子商務平台每年增長率超過700%，尤其是隨著3G網絡的普及和無線帶寬的大幅度提升，多種多樣的移動支付方式不斷出現且日益進步。At present, the annual growth rate of mobile e-commerce platforms exceeds 700%. Especially with the popularization of 3G networks and the substantial increase of wireless bandwidth, a variety of mobile payment methods are constantly appearing and progressing.
以目前中國大陸的微信支付或支付寶為例，其為一種利用條碼掃描進行資訊交換之技術，其中一用戶利用智慧型裝置之攝像頭掃描另一用戶手機上的二維條碼（QR Code），經識別後可以快速發起付款或收款。Taking the current WeChat payment or Alipay in mainland China as an example, it is a technology for information exchange using barcode scanning. One user uses a smart device camera to scan a QR Code on another user's mobile phone and recognizes it. You can then initiate a payment or collect payment quickly.
上述方式是用智慧型裝置通過無線網絡通過特定應用程式（APP）登陸移動支付平台方式，在通過各種方式如硬件或某些安全加密的交付方式進行支付。用戶先將應用程式與其銀行帳戶綁定，再於交易終端上獲得相應的交易信息，交易信息加密保證了帳號信息和交易的安全，交易終端發出的信息通過移動數據中心和第三方交易平台發生交易，等買賣雙方相互確認交易信息後，第三方交易平台與所綁定的銀行帳戶關聯進行數據交換。The above method is to use a smart device to log into the mobile payment platform through a wireless application through a specific application (APP), and to pay in various ways such as hardware or some secure encrypted delivery methods. The user first binds the application to his bank account, and then obtains the corresponding transaction information on the transaction terminal. The transaction information encryption ensures the security of the account information and the transaction, and the information sent by the transaction terminal is transmitted through the mobile data center and the third-party transaction platform. After the buyer and the seller mutually confirm the transaction information, the third party trading platform associates with the bound bank account for data exchange.
雖然上述支付方式有很大的便利，然而其要求所綁定之銀行帳戶必須為大陸地區的銀行帳戶。對於中華民國的使用者而言，必須親自前往大陸地區的銀行進行開戶，有諸多的不便。再者，根據「中國人民銀行關於落實個人銀行帳戶分類管理制度的通知」的文件，個人銀行帳戶實行分類管理，分為Ⅰ類、Ⅱ類、Ⅲ類帳戶，不同類別的帳戶有不同的功能和權限。其302號文更明確指出：銀行通過電子渠道非面對面為個人開立Ⅱ類戶，應當向綁定帳戶開戶行驗證Ⅱ類帳戶與綁定帳戶為同一人開立且綁定帳戶為Ⅰ類帳戶或者***帳戶……驗證的信息應當至少包括開戶申請人姓名、居民身份證號碼、手機號碼、綁定帳戶帳號（卡號）、綁定帳戶是否為Ⅰ類戶或 者***帳戶等5個要素。Although the above payment method is very convenient, the bank account to which it is required to be bound must be a bank account in the mainland. For users of the Republic of China, they must go to the banks of the mainland to open an account in person, which is inconvenient. Furthermore, according to the "People's Bank of China Notice on Implementing the Classification Management System for Personal Bank Accounts", personal bank accounts are classified and managed, and are classified into Class I, Class II, and Class III accounts. Different types of accounts have different functions and Permissions. The No. 302 document makes it clear that the bank opens a Class II household for non-face-to-face through the electronic channel. It should verify that the Type II account and the binding account are open to the same person and the binding account is a Class I account. Or the credit card account... The verification information should include at least five factors: the account applicant's name, the resident ID card number, the mobile phone number, the binding account number (card number), and whether the binding account is a class I account or a credit card account.
由於中華民國的使用者多無大陸居民身份證，亦無Ⅰ類帳戶或者***帳戶，若要開立為Ⅱ類帳戶必須報送相關監管部門特批，有諸多不便。Since the users of the Republic of China do not have a mainland resident ID card and no Class I account or credit card account, it is inconvenient to submit a special account for the Class II account to the relevant regulatory authorities.
本創作的目的在於提供一種虛擬錢包帳戶支付方法，讓使用者不需要親自到境外金融機構辦理開立帳戶，即可使用虛擬錢包進行支付及交易。The purpose of this creation is to provide a virtual wallet account payment method, so that users can use the virtual wallet to make payments and transactions without having to go to an overseas financial institution to open an account.
為了達到上述目的，本創作係採取以下之技術手段予以達成，其中，本創作提供一種虛擬錢包帳戶支付方法，包括下列步驟： a 提供一境內金融機構伺服器、一境外金融機構伺服器、一支付終端以及一消費終端，該支付終端用以發出一支付信息至該消費終端。b該境內金融機構伺服器於該境外金融機構伺服器開立一對公帳戶，該對公帳戶僅支援虛擬錢包支付。c一使用者於該境內金融機構伺服器開立一數位帳戶。d該境外金融機構伺服器基於該數位帳戶開立一電子帳戶，該數位帳戶與該電子帳戶為綁定關係。e該使用者將該電子帳戶與該支付終端綁定。f該使用者提出一充值要求，該充值要求係將一金額充值入該電子帳戶。g該境內金融機構伺服器判斷該充值要求是否成立。h 若判斷結果為是，則將該數位帳戶扣除該金額，並將該金額由該對公帳戶充值入該電子帳戶。i 該使用者利用該支付終端發出該支付信息至該消費終端。In order to achieve the above objectives, the present invention is achieved by the following technical means, wherein the present invention provides a virtual wallet account payment method, including the following steps: a providing a domestic financial institution server, an offshore financial institution server, and a payment The terminal and a consumer terminal, the payment terminal is configured to send a payment message to the consumer terminal. b The domestic financial institution server opens a pair of public accounts on the foreign financial institution server, and the pair of public accounts only support virtual wallet payment. c A user opens a digital account with the domestic financial institution server. d The overseas financial institution server opens an electronic account based on the digital account, and the digital account is bound to the electronic account. e The user binds the electronic account to the payment terminal. f The user submits a refill request that refills an amount into the electronic account. g The domestic financial institution server determines whether the recharge request is established. h If the result of the determination is yes, the digital account is deducted from the amount and the amount is credited to the electronic account by the pair of public accounts. i The user uses the payment terminal to send the payment information to the consumer terminal.
在本創作一實施例中，該步驟d更包括：該境外金融機構伺服器根據該數位帳戶的資料以及該使用者提供的使用者姓名、台胞證編號、台胞證照片影像、大陸手機號碼等資訊開立該電子帳戶。In an embodiment of the present creation, the step d further includes: the overseas financial institution server according to the data of the digital account, the user name provided by the user, the Taiwanese certificate number, the Taiwanese certificate photo image, and the mainland mobile phone number. Wait for the information to open the e-account.
在本創作一實施例中，該支付終端包括一應用程式，該應用程式可與該數位帳戶連動，並與該境外金融機構伺服器所設立的窗口電訊連接，並提供查詢該電子帳戶以及該數位帳戶之餘額功能。In an embodiment of the present invention, the payment terminal includes an application program, and the application program is linked to the digital account and is connected to a window telecommunications established by the overseas financial institution server, and provides an inquiry for the electronic account and the digit Account balance function.
在本創作一實施例中，該步驟h更包括下列步驟：若判斷結果為否，則該境內金融機構伺服器回饋一失敗信息至該使用者。In an embodiment of the present creation, the step h further includes the following steps: if the determination result is no, the domestic financial institution server returns a failure message to the user.
在本創作一實施例中，該步驟i之後包括下列步驟：j該使用者提出一提現要求，該提現要求係由該電子帳戶轉出一第二金額至該數位帳戶。k 該境外金融機構伺服器判斷該提現要求是否成立。l 若判斷結果為是，則將該電子帳戶轉出該第二金額至該對公帳戶，並將該第二金額轉入該數位帳戶。In an embodiment of the present creation, the step i includes the following steps: j The user proposes a withdrawal request, and the withdrawal request is to transfer a second amount from the electronic account to the digital account. k The overseas financial institution server determines whether the withdrawal request is established. l If the judgment result is yes, the electronic account is transferred out of the second amount to the pair of public accounts, and the second amount is transferred to the digital account.
在本創作一實施例中，該支付終端及該消費終端分別包括一支付模組，並利用該支付模組進行該支付信息的傳送及接收。In an embodiment of the present invention, the payment terminal and the consumer terminal respectively comprise a payment module, and the payment module is used to transmit and receive the payment information.
在本創作一實施例中，該步驟i之後更包括下列步驟：i1 該消費終端回饋該支付信息至該境外金融機構伺服器，且該境外金融機構伺服器回饋一交易明細至該使用者。In an embodiment of the present invention, the step i further includes the following steps: i1 the consumer terminal returns the payment information to the overseas financial institution server, and the overseas financial institution server returns a transaction detail to the user.
在本創作一實施例中，該支付信息包括一帳戶訊息、一支付金額以及一支付密碼。In an embodiment of the present creation, the payment information includes an account message, a payment amount, and a payment password.
為達成上述目的及功效，本創作所採用之技術手段及構造，茲繪圖就本創作較佳實施例詳加說明其特徵與功能如下，俾利完全了解，但須注意的是，該等內容不構成本發明的限定。In order to achieve the above objectives and effects, the technical means and structure adopted by this creation are described in detail in the preferred embodiment of the present creation. The features and functions are as follows, and the full understanding is made, but it should be noted that the contents are not It constitutes a limitation of the present invention.
請同時參閱圖1及圖2所示，其為本創作虛擬錢包帳戶支付方法較佳實施例之方法流程圖以及系統方塊圖。本創作提供一種虛擬錢包帳戶支付方法，包括下列步驟：Please refer to FIG. 1 and FIG. 2 simultaneously, which is a flowchart and a system block diagram of a method for creating a virtual wallet account payment method. This creation provides a virtual wallet account payment method, including the following steps:
步驟100：提供一境內金融機構伺服器 1、一境外金融機構伺服器 2、一支付終端 3以及一消費終端 4。該境內金融機構伺服器 1係指位於台灣本地實體銀行的伺服器，該境外金融機構伺服器 2係指並非位於台灣本地實體銀行的伺服器。該支付終端 3及該消費終端 4為可攜式的智慧裝置，例如行動電話、平板電腦、筆記型電腦等，但不限於此。該支付終端 3用以發出一支付信息至該消費終端 4，其支付信息的傳輸方式可以為聲波、無線網路信號（Wifi）或者射頻信號等，該支付信息至少包括一帳戶訊息、支付金額以及支付密碼。該消費終端 4可用以回饋該支付信息。Step 100: Providing a domestic financial institution server, an overseas financial institution server, a payment terminal 3, and a consumer terminal 4. The domestic financial institution server 1 refers to a server located in a local physical bank in Taiwan, and the overseas financial institution server 2 refers to a server that is not located in a local physical bank in Taiwan. The payment terminal 3 and the consumer terminal 4 are portable smart devices, such as a mobile phone, a tablet computer, a notebook computer, etc., but are not limited thereto. The payment terminal 3 is configured to send a payment information to the consumer terminal 4, and the payment information may be transmitted by using a sound wave, a wireless network signal (Wifi) or a radio frequency signal, etc., and the payment information includes at least an account message, a payment amount, and Pay the password. The consumer terminal 4 can be used to reward the payment information.
步驟110：於該境外金融機構伺服器 2開立一對公帳戶 21。境內金融機構與境外金融機構係為一合作關係，境內金融機構於該境外金融機構伺服器 2開立對公帳戶 21，可以讓境內金融機構伺服器 1於該對公帳戶 21存入一筆對公資金，使該對公帳戶 21成為該支付終端 3以及該消費終端 4交易時的過度帳戶，有利於交易資金流更暢通、高效。Step 110: Open a pair of public accounts 21 to the overseas financial institution server 2. The domestic financial institution and the overseas financial institution are in a cooperative relationship, and the domestic financial institution opens a public account 21 to the overseas financial institution server 2, so that the domestic financial institution server 1 deposits a pair of public accounts in the public account 21 The funds enable the pair of public accounts 21 to become excessive accounts of the payment terminal 3 and the consumer terminal 4, which facilitates smoother and more efficient flow of transaction funds.
步驟120：一使用者（圖中未示）於該境內金融機構伺服器 1開立一數位帳戶 11。Step 120: A user (not shown) opens a digital account 11 to the domestic financial institution server 1.
步驟130：該境外金融機構伺服器 2基於該數位帳戶 11開立一電子帳戶 22。當該使用者於境內金融機構伺服器 1開立數位帳戶 11後，可透過該支付終端 3將數位帳戶 11的資料以及個人資料例如使用者的姓名、台胞證編號、台胞證照片影像、大陸手機號碼傳輸至該境外金融機構伺服器 2所設立的窗口，該境外金融機構伺服器 2並根據上述資料開立一電子帳戶 22，使該數位帳戶 11與該電子帳戶 22為綁定關係。較佳者，該支付終端 3可包括一應用程式 31，該應用程式 31可與該數位帳戶 11連動，並與該境外金融機構伺服器 2所設立的窗口電訊連接，使用者可透過該應用程式 31將數位帳戶 11的資料以及個人資料傳輸至該境外金融機構伺服器 2所設立的窗口。Step 130: The foreign financial institution server 2 opens an electronic account 22 based on the digital account 11. After the user opens the digital account 11 in the domestic financial institution server 1, the information of the digital account 11 and personal data such as the user's name, the Taiwanese certificate number, the Taiwanese photo image, and the personal information can be transmitted through the payment terminal 3. The mainland mobile phone number is transmitted to the window set up by the overseas financial institution server 2, and the overseas financial institution server 2 opens an electronic account 22 according to the above information, so that the digital account 11 and the electronic account 22 are bound. Preferably, the payment terminal 3 can include an application 31. The application 31 can be linked to the digital account 11 and can be connected to a window set up by the overseas financial institution server 2 through which the user can access the application. 31 Transfer the data of the digital account 11 and the personal data to the window set up by the overseas financial institution server 2.
步驟140：該使用者將該電子帳戶 22與該支付終端 3綁定。Step 140: The user binds the electronic account 22 to the payment terminal 3.
步驟150：該使用者提出一充值要求。該使用者可利用該應用程式 31提出一充值要求，該充值要求係將一金額充值入該電子帳戶 22。Step 150: The user proposes a recharge request. The user can use the application 31 to make a refill request that credits an amount to the electronic account 22.
步驟160：該境內金融機構伺服器 1判斷該充值要求是否成立。當使用者提出充值要求，該境內金融機構伺服器 1判斷該使用者的數位帳戶 11內之剩餘金額是否足夠支付該金額。Step 160: The domestic financial institution server 1 determines whether the recharge request is established. When the user makes a refill request, the domestic financial institution server 1 judges whether the remaining amount in the user's digital account 11 is sufficient to pay the amount.
步驟170：若判斷結果為是，則該境內金融機構伺服器 1將該數位帳戶 11扣除該金額，並將該金額由該對公帳戶 21充值入該電子帳戶 22。Step 170: If the result of the determination is yes, the domestic financial institution server 1 deducts the amount from the digital account 11 and recharges the amount from the pair of public accounts 21 into the electronic account 22.
步驟180：若判斷結果為否，則該境內金融機構伺服器 1回饋一失敗信息至該使用者。Step 180: If the judgment result is no, the domestic financial institution server 1 feeds back a failure message to the user.
步驟190：該使用者利用該支付終端 3發出該支付信息至該消費終端 4。該支付終端 3、該消費終端 4可分別包括一支付模組（32, 42），並利用該支付模組（32, 42）進行該支付信息的傳送及接收。較佳者，該支付模組可以為微信支付或是支付寶等應用。值得一提的是，為了使交易過程更便捷及高效，該使用者選擇亦可先行將該電子帳戶 22內之金額存入該支付模組 32的電子錢包內，再透過電子錢包與該消費終端 4進行交易。其中，為求資金流向更為單純，該電子帳戶 22僅支援該支付模組 32的交易、轉帳及電子錢包等功能，以避免出現利用***套現等問題。Step 190: The user sends the payment information to the consumer terminal 4 by using the payment terminal 3. The payment terminal 3 and the consumer terminal 4 can respectively include a payment module (32, 42), and use the payment module (32, 42) to transmit and receive the payment information. Preferably, the payment module can be used for applications such as WeChat payment or Alipay. It is worth mentioning that in order to make the transaction process more convenient and efficient, the user may choose to deposit the amount in the electronic account 22 into the electronic wallet of the payment module 32, and then through the electronic wallet and the consumer terminal. 4 conduct a transaction. In order to make the flow of funds more simple, the electronic account 22 only supports the functions of the payment module 32, such as transactions, transfer and electronic wallet, to avoid problems such as cash card cashing.
較佳者，該步驟190可更包括：該消費終端回饋該支付信息至該境外金融機構伺服器，且該境外金融機構伺服器 2回饋一交易明細至該使用者。當交易完成後，該消費終端 4會回饋一交易完成訊息至該境外金融機構伺服器 2，而該境外金融機構伺服器 2回饋一交易明細至該支付終端 3或該應用程式 31，此外，該應用程式 31亦支援帳戶餘額查詢功能，可以隨時查詢該電子帳戶 22以及該數位帳戶 11之餘額。Preferably, the step 190 further includes: the consumer terminal feeding back the payment information to the overseas financial institution server, and the overseas financial institution server 2 returns a transaction detail to the user. When the transaction is completed, the consumer terminal 4 will return a transaction completion message to the overseas financial institution server 2, and the overseas financial institution server 2 returns a transaction detail to the payment terminal 3 or the application 31. The application 31 also supports the account balance inquiry function, and can check the balance of the electronic account 22 and the digital account 11 at any time.
請更加參閱圖3所示，其為本創作虛擬錢包帳戶支付方法較佳實施例另一應用之方法流程圖。在本創作一應用中，可更包括下列步驟：Please refer to FIG. 3, which is a flowchart of another method for creating a virtual wallet account payment method in another preferred embodiment. In the application of the creation, the following steps may be further included:
步驟200：該使用者提出一提現要求。該使用者亦可利用該應用程式 31提出一提現要求，該提現要求係由該電子帳戶 22轉出一第二金額至該數位帳戶 11。Step 200: The user proposes a cash withdrawal request. The user can also use the application 31 to make a withdrawal request that is transferred from the electronic account 22 to a second amount to the digital account 11.
步驟210：該境外金融機構伺服器 2判斷該提現要求是否成立。當使用者提出提現要求，該境外金融機構伺服器 2判斷該使用者的電子帳戶 22內之剩餘金額是否足夠支付該第二金額。Step 210: The overseas financial institution server 2 determines whether the withdrawal request is established. When the user makes a withdrawal request, the foreign financial institution server 2 determines whether the remaining amount in the user's electronic account 22 is sufficient to pay the second amount.
步驟220：若判斷結果為是，則將該電子帳戶 22轉出該第二金額至該對公帳戶 21，並將該第二金額轉入該數位帳戶 11。Step 220: If the result of the determination is yes, the electronic account 22 is transferred out of the second amount to the pair of public accounts 21, and the second amount is transferred to the digital account 11.
步驟230：若判斷結果為否，則該境外金融機構伺服器 2回饋一失敗信息至該使用者。Step 230: If the judgment result is no, the overseas financial institution server 2 feeds back a failure message to the user.
綜合上述，可以看出本發明提供了一種虛擬錢包帳戶支付方法，讓使用者不需要親自到境外金融機構辦理開立帳戶，即可使用虛擬錢包進行支付及交易。此外，透過上述的方式，所有的資金流向及交易皆會留下軌跡，有助於客戶了解（Know your customer, KYC）及防範洗錢（Anti-money laundering , AML）等作業，可避免地下金融交易產生。In summary, it can be seen that the present invention provides a virtual wallet account payment method, which allows a user to use a virtual wallet for payment and transaction without having to go to an overseas financial institution to open an account. In addition, through the above-mentioned methods, all funds flow and transactions will leave a trail to help customers understand (Know your customer, KYC) and anti-money laundering (AML) operations, and avoid underground financial transactions. produce.
經過上述的詳細說明，已充分顯示本創作具有實施的進步性，且為前所未見的新創作，完全符合發明專利要件，爰依法提出申請。惟以上所述僅為本創作的較佳實施例而已，當不能用以限定本創作實施的範圍，亦即依本創作專利範圍所作的均等變化與修飾，皆應屬於本發明專利涵蓋的範圍內。After the above detailed description, it has been fully shown that the creation has progressive progress, and the new creations that have never been seen before, fully comply with the requirements of the invention patent, and apply in accordance with the law. However, the above description is only for the preferred embodiment of the present invention, and should not be used to limit the scope of the present invention, that is, the equivalent changes and modifications according to the scope of the present invention should be within the scope of the present invention. .
1‧‧‧境內金融機構伺服器 1‧‧‧ Domestic financial institution server
11‧‧‧數位帳戶 11‧‧‧ digital accounts
2‧‧‧境外金融機構伺服器 2‧‧‧Overseas financial institution server
21‧‧‧對公帳戶 21‧‧‧public account
22‧‧‧電子帳戶 22‧‧‧Electronic Account
3‧‧‧支付終端 3‧‧‧Payment terminal
31‧‧‧應用程式 31‧‧‧Application
32,42‧‧‧支付模組 32, 42‧‧‧ payment module
4‧‧‧消費終端 4‧‧‧ consumer terminals
100～190‧‧‧步驟 100 to 190‧‧ steps
200～230‧‧‧步驟 200-230‧‧‧ steps
圖1為本創作虛擬錢包帳戶支付方法較佳實施例之方法流程圖； 圖2為本創作虛擬錢包帳戶支付方法較佳實施例之系統方塊圖； 圖3為本創作虛擬錢包帳戶支付方法較佳實施例另一應用之方法流程圖。1 is a flow chart of a method for creating a virtual wallet account payment method according to a preferred embodiment; FIG. 2 is a system block diagram of a preferred embodiment of a virtual wallet account payment method; A flow chart of a method of another application of the embodiment.
Claims (10)
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW106136065A TW201917647A (en) | 2017-10-20 | 2017-10-20 | Virtual wallet account payment method in which a virtual account is opened in an offshore financial institution by using an account of an on-shore financial institution for fund transfer through a business account established in the offshore financial institution |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW106136065A TW201917647A (en) | 2017-10-20 | 2017-10-20 | Virtual wallet account payment method in which a virtual account is opened in an offshore financial institution by using an account of an on-shore financial institution for fund transfer through a business account established in the offshore financial institution |
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| Publication Number | Publication Date |
|---|---|
| TW201917647A true TW201917647A (en) | 2019-05-01 |
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|---|---|---|---|
| TW106136065A TW201917647A (en) | 2017-10-20 | 2017-10-20 | Virtual wallet account payment method in which a virtual account is opened in an offshore financial institution by using an account of an on-shore financial institution for fund transfer through a business account established in the offshore financial institution |
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| TW (1) | TW201917647A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110443607A (en) * | 2019-07-31 | 2019-11-12 | 中国工商银行股份有限公司 | To creation method, method of commerce and the device of public digital cash wallet |
| TWI816059B (en) * | 2020-01-13 | 2023-09-21 | 新加坡商支付寶實驗室（新加坡）有限公司 | Registration, payment methods and devices for cross-regional offline payments |
-
2017
- 2017-10-20 TW TW106136065A patent/TW201917647A/en unknown
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110443607A (en) * | 2019-07-31 | 2019-11-12 | 中国工商银行股份有限公司 | To creation method, method of commerce and the device of public digital cash wallet |
| CN110443607B (en) * | 2019-07-31 | 2022-08-02 | 中国人民银行数字货币研究所 | Method for creating public digital wallet, transaction method and device |
| TWI816059B (en) * | 2020-01-13 | 2023-09-21 | 新加坡商支付寶實驗室（新加坡）有限公司 | Registration, payment methods and devices for cross-regional offline payments |
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