TW201939389A - Mobile communication devices and electronic payment methods - Google Patents

Mobile communication devices and electronic payment methods Download PDF

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TW201939389A
TW201939389A TW107109046A TW107109046A TW201939389A TW 201939389 A TW201939389 A TW 201939389A TW 107109046 A TW107109046 A TW 107109046A TW 107109046 A TW107109046 A TW 107109046A TW 201939389 A TW201939389 A TW 201939389A
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electronic payment
transfer
transaction
communication device
account
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TW107109046A
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Chinese (zh)
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林一泓
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歐付寶電子支付股份有限公司
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Publication of TW201939389A publication Critical patent/TW201939389A/en

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Abstract

A mobile communication device is provided with a display device, a communication device, a storage device, and a controller. The display device displays a Graphical User Interface (GUI). The communication device provides a network connection to the Internet, and a first electronic computing device and a second electronic computing device on the Internet. The storage device stores machine-readable instructions or program code. The controller is operatively coupled to the communication device and the storage device, and is configured to load and execute the instructions or program code to perform an electronic payment method comprising the following steps: executing an electronic payment application and display an instant messaging(IM) interface on the GUI; generate a transaction request through the IM interface of the electronic payment application and sending the transaction request to the electronic payment system via the communication device to perform a transaction; and receiving a transaction result corresponding to the transaction from the electronic payment system through the communication device and displaying the transaction result in form of an instant message on the IM interface.

Description

移動通訊裝置及電子支付交易方法 Mobile communication device and electronic payment transaction method

本發明主要關於電子交易服務，特別係有關於一種經由電子交易平台所提供即時通訊自動串聯即時通訊群組用戶進行電子支付之方法。 The present invention is mainly related to electronic transaction services, and in particular, to a method for electronic payment through a series of instant messaging groups provided by an electronic trading platform.

隨著近年來電子商務及通訊科技的快速發展，電子支付逐漸廣為大眾所採用，總的來說，電子支付是指電子交易的當事人，包括消費者、廠商、以及金融機構，使用安全的電子支付手段，透過網路所進行的貨幣支付或資金流轉。 With the rapid development of e-commerce and communication technology in recent years, electronic payment has gradually been widely adopted by the public. In general, electronic payment refers to the parties to electronic transactions, including consumers, manufacturers, and financial institutions, using secure electronic devices. Means of payment, currency payment or fund transfer through the Internet.

相較於傳統的支付方式，電子支付具有以下特點。第一，傳統的支付方式是透過現金的流轉、票據的轉讓、以及銀行的匯兌等物理實體來完成款項支付的，而電子支付是採用通訊及加密技術並通過數字流轉來完成信息傳輸的，其各種支付方式都是通過數位數字化的方式進行款項支付。 Compared with traditional payment methods, electronic payment has the following characteristics. First, the traditional payment method is to complete payment by physical entities such as cash transfer, bill transfer, and bank exchange. Electronic payment uses communication and encryption technology and digital transfer to complete information transmission. Various payment methods are used to make payments digitally.

第二，電子支付的工作環境是基於一個開放的環境(即互聯網)，而傳統的支付方式則是在較為封閉的環境中運作。 Second, the working environment of electronic payment is based on an open environment (ie, the Internet), while traditional payment methods operate in a more closed environment.

第三，電子支付具有方便、快捷、高效、經濟的優勢，用戶只要擁有一台具有上網功能的移動通訊裝置，即可不需出門就在短時間內完成支付過程，且所耗費的成本遠低於傳統的 支付方式。 Third, electronic payment has the advantages of convenience, speed, efficiency, and economy. As long as the user has a mobile communication device with an Internet function, he can complete the payment process in a short time without going out, and the cost is much lower than traditional payment method.

此外，近年來，由於網路應用的普及，使用即時通訊軟體(instant messenger,IM)例如微軟的MSN messenger或雅虎(Yahoo！)即時通進行通訊也成為一種趨勢。這些即時通訊軟體分別使用不同的即時訊息協定，允許兩人或多人使用網路即時的傳遞文字訊息、檔案、語音與視訊交流，除了提供使用者一對一的訊息傳送方式，對使用相同即時通訊軟體的多個使用者也提供一些網路分享連結例如多人聊天的聊天室功能。除了文字訊息，IM通常還提供視訊會議(video conference)的功能，透過視訊會議，多個用戶端可透過網路攝影機(webcam)以及麥克風裝置傳輸視訊及/或音訊給彼此進行會談，另外也可以透過IM傳輸檔案給對方。 In addition, in recent years, due to the popularity of Internet applications, instant messenger software (instant messenger, IM) such as Microsoft's MSN messenger or Yahoo (Yahoo!) instant messaging has become a trend. These instant messaging software use different instant messaging protocols, allowing two or more people to use the network to instantly transfer text messages, files, voice and video communications. In addition to providing users with one-to-one messaging methods, the same instant messaging is used. Multiple users of the communication software also provide some network sharing links such as a chat room function for multi-person chat. In addition to text messages, IM usually also provides the function of video conference. Through the video conference, multiple clients can transmit video and / or audio to each other through webcam and microphone device for talks with each other. Transfer files to the other party via IM.

然而，現有的電子支付與即時通訊為獨立運作，使用者需要進行電子支付時必須要再手動開啟電子支付的相關軟體並進行繁複的對應操作，容易造成使用者使用上的不便。因此，需要有一種更簡易的電子支付交易方法能夠方便提供即時通訊服務與電子支付服務。 However, the existing electronic payment and instant communication operate independently. When a user needs to perform electronic payment, he must manually open the relevant software for electronic payment and perform complicated corresponding operations, which easily causes inconvenience to the user. Therefore, there is a need for a simpler electronic payment transaction method that can conveniently provide instant messaging services and electronic payment services.

本發明之一實施例提供了一種移動通訊裝置，其具有顯示裝置、通訊裝置、儲存裝置、以及控制器。顯示裝置顯示一圖形化使用者介面。通訊裝置提供網路連線至一電子支付系統。儲存裝置儲存電腦可讀取之複數指令或程式碼。控制器耦接至儲存裝置及儲存裝置，從儲存裝置載入並執行上述指令或程式碼以執行以下電子支付交易方法：執行一電子支付應用程式並顯示電子支付應用程式之一即時通訊介面於圖形化使用者介面；透 過電子支付應用程式之即時通訊介面產生一交易請求並透過通訊裝置傳送交易請求至電子支付系統以進行一交易；以及透過通訊裝置接收來自電子支付系統的相應交易之一交易結果並將交易結果以一即時訊息顯示於即時通訊介面。 An embodiment of the present invention provides a mobile communication device including a display device, a communication device, a storage device, and a controller. The display device displays a graphical user interface. The communication device provides a network connection to an electronic payment system. The storage device stores a plurality of instructions or codes that can be read by a computer. The controller is coupled to the storage device and the storage device, and loads and executes the above instruction or code from the storage device to execute the following electronic payment transaction method: executing an electronic payment application and displaying an instant messaging interface of the electronic payment application on a graphic User interface Generate a transaction request through the instant messaging interface of the electronic payment application and send the transaction request to the electronic payment system through the communication device to conduct a transaction; and receive the transaction result of one of the corresponding transactions from the electronic payment system through the communication device and use the transaction result to An instant message is displayed on the instant messaging interface.

本發明之另一實施例提供了一種電子支付交易方法，適用於一交易之一使用者所提供之一移動通訊裝置，上述電子支付交易方法包括以下步驟：執行一電子支付應用程式並顯示上述電子支付應用程式之一即時通訊介面於上述圖形化使用者介面；透過上述電子支付應用程式之上述即時通訊介面產生一交易請求並透過一通訊裝置傳送上述交易請求至一電子支付系統以進行一交易；以及透過上述通訊裝置接收來自上述電子支付系統的相應上述交易之一交易結果並將上述交易結果以一即時訊息顯示於上述即時通訊介面。 Another embodiment of the present invention provides an electronic payment transaction method, which is applicable to a mobile communication device provided by a user of a transaction. The electronic payment transaction method includes the following steps: executing an electronic payment application and displaying the electronic payment An instant messaging interface of a payment application is in the above graphical user interface; a transaction request is generated through the instant messaging interface of the electronic payment application and the transaction request is transmitted to an electronic payment system through a communication device to conduct a transaction; And receiving a transaction result corresponding to one of the transactions from the electronic payment system through the communication device, and displaying the transaction result as an instant message on the instant messaging interface.

關於本發明其他附加的特徵與優點，此領域之熟習技術人士，在不脫離本發明之精神和範圍內，當可根據本案實施方法中所揭露之移動通訊裝置及電子支付交易方法做些許的更動與潤飾而得到。 Regarding other additional features and advantages of the present invention, those skilled in the art can make some changes according to the mobile communication device and electronic payment transaction method disclosed in the implementation method of the present invention without departing from the spirit and scope of the present invention. With retouching.

100‧‧‧電子商務環境 100‧‧‧ E-commerce environment

10、20‧‧‧移動通訊裝置 10, 20‧‧‧ mobile communication device

30‧‧‧電子支付系統 30‧‧‧ electronic payment system

31‧‧‧通訊裝置 31‧‧‧Communication device

32‧‧‧控制器 32‧‧‧controller

33‧‧‧儲存裝置 33‧‧‧Storage device

40‧‧‧網際網路 40‧‧‧Internet

50‧‧‧無線存取點 50‧‧‧Wireless access point

60‧‧‧電信網路 60‧‧‧Telecom network

200‧‧‧移動通訊裝置 200‧‧‧ mobile communication device

210‧‧‧顯示裝置 210‧‧‧ display device

220‧‧‧通訊裝置 220‧‧‧ communication device

230‧‧‧控制器 230‧‧‧ Controller

230‧‧‧儲存裝置 230‧‧‧Storage device

S401~S421‧‧‧步驟編號 S401 ~ S421‧‧‧Step number

S701~S719‧‧‧步驟編號 S701 ~ S719‧‧‧Step number

第1圖係根據本發明一實施例所述之電子商務環境之示意圖。 FIG. 1 is a schematic diagram of an e-commerce environment according to an embodiment of the present invention.

第2圖係根據本發明一實施例所述之移動通訊裝置之硬體架構示意圖。 FIG. 2 is a schematic diagram of a hardware architecture of a mobile communication device according to an embodiment of the present invention.

第3圖係根據本發明一實施例所述之電子支付系統之硬體架 構示意圖。 FIG. 3 is a hardware frame of an electronic payment system according to an embodiment of the present invention Schematic diagram.

第4A~4C圖係根據本發明一實施例所述之電子支付交易方法之流程圖。 4A to 4C are flowcharts of an electronic payment transaction method according to an embodiment of the present invention.

第5A~5G圖係根據本發明一實施例所述之販售商品上架流程之示意圖。 Figures 5A to 5G are schematic diagrams of the process of placing a product on the shelf according to an embodiment of the present invention.

第5A圖係本發明一範例所述的通訊清單之頁面示意圖。 FIG. 5A is a schematic diagram of a page of a communication list according to an example of the present invention.

第5B~5C圖係本發明一範例所述的即時通訊介面之頁面示意圖。 5B-5C are schematic diagrams of pages of the instant messaging interface according to an example of the present invention.

第5D~5G圖係本發明一範例所述的在即時通訊介面發動轉帳交易的使用者介面之相關頁面示意圖。 5D to 5G are schematic diagrams of related pages of a user interface for initiating a transfer transaction on an instant messaging interface according to an example of the present invention.

第6A~6D圖係本發明一範例所述的在即時通訊介面發動轉帳交易的交易結果顯示之相關頁面示意圖。 Figures 6A to 6D are schematic diagrams of related pages of the transaction result display of the transfer transaction initiated on the instant messaging interface according to an example of the present invention.

第7A~7C圖係根據本發明另一實施例所述之電子支付交易方法之流程圖。 7A to 7C are flowcharts of an electronic payment transaction method according to another embodiment of the present invention.

第8A圖係本發明一範例所述的在即時通訊介面發動要求轉帳交易的使用者介面之相關頁面示意圖。 FIG. 8A is a schematic diagram of related pages of a user interface for initiating a transfer request transaction on an instant messaging interface according to an example of the present invention.

第8B~8E圖係本發明一範例所述的在即時通訊介面發動要求轉帳交易的交易結果顯示之相關頁面示意圖。 Figures 8B ~ 8E are schematic diagrams of related pages of the transaction result display of the transaction requesting the transfer of money on the instant messaging interface according to an example of the present invention.

本章節所敘述的是實施本申請之最佳方式，目的在於說明本申請之精神而非用以限定本申請之保護範圍，應理解下列實施例可經由軟體、硬體、韌體、或上述任意組合來實現。 This section describes the best way to implement this application. The purpose is to explain the spirit of this application and not to limit the protection scope of this application. It should be understood that the following embodiments can be implemented by software, hardware, firmware, or any of the above. To achieve.

本發明提供了一種電子交易方式，利用電子支付應用程式提供即時訊息並透過實名認證機制確保安全性，使用者可藉此即時訊息機制發動轉帳，將自有的電子支付帳戶金額傳帳給另一電子支付帳戶，另外也可發動要求轉帳，輸入對方欲轉帳給自己金額後送出請求，而另一使用者收到通知後可確認同意或取消以完成轉帳，同時提供方便的即時通訊服務與電子支付服務。 The invention provides an electronic transaction method. An electronic payment application is used to provide instant messages and security is ensured through a real-name authentication mechanism. Users can use this instant message mechanism to initiate a transfer and transfer the amount of their own electronic payment account to another. Electronic payment account, in addition, you can also initiate a request for transfer, enter the amount that the other party wants to transfer to yourself, and then send a request. After receiving the notification, another user can confirm the consent or cancel to complete the transfer, while providing convenient instant messaging services and electronic payment. service.

第1圖係根據本申請一實施例所述之電子商務環境之示意圖。電子商務環境100包括移動通訊裝置10、20、電子支付系統30、網際網路40、無線存取點50、以及電信網路60，其中，移動通訊裝置10係由交易的一方(例如轉帳方)所使用，並透過無線存取點50連接至網際網路40，而移動通訊裝置20係由交易的另一方(例如接收轉帳方)所使用，並透過電信網路60連接至網際網路40。藉由連接至網際網路40，移動通訊裝置10、20可通過電子支付系統30進行商品交易或資金流轉。 FIG. 1 is a schematic diagram of an e-commerce environment according to an embodiment of the present application. The e-commerce environment 100 includes mobile communication devices 10, 20, an electronic payment system 30, the Internet 40, a wireless access point 50, and a telecommunications network 60. The mobile communication device 10 is a party (such as a transfer party) of a transaction. It is used and connected to the Internet 40 through the wireless access point 50, and the mobile communication device 20 is used by the other party of the transaction (such as a transfer party) and is connected to the Internet 40 through the telecommunications network 60. By connecting to the Internet 40, the mobile communication devices 10, 20 can perform commodity transactions or fund transfers through the electronic payment system 30.

舉例來說，移動通訊裝置10、20可個別為一具備網路通訊功能之運算裝置，如：筆記型電腦、桌上型電腦、智慧型手機、或平板電腦等，只要其可支援無線存取點50以及/或電信網路60所使用之無線技術。 For example, each of the mobile communication devices 10 and 20 can be a computing device with a network communication function, such as a notebook computer, a desktop computer, a smart phone, or a tablet computer, as long as it can support wireless access. Point 50 and / or the wireless technology used by the telecommunications network 60.

電子支付系統30主要負責提供一個第三方支付平台，供買賣雙方以電子支付的方式進行電子商務。明確來說，在電子支付系統30中，每一筆交易會收到移動通訊裝置的使用者送出的付款請求或收款請求，之後，根據付款請求或收款請求的對應方的身分等級與帳戶狀態決定是否進行電子支付的金流處理。舉例來說，電子支付系統30可將錢從一電子交易帳戶轉移至另一 電子交易帳戶，以執行金流處理。另外，第三方支付平台可利用電子支付系統30所提供的資料介面，開發其專屬的電子支付應用程式(Application，APP)，供使用者下載到其移動通訊裝置，讓移動通訊裝置的使用者可透過電子支付APP來對電子交易進行結帳付款。於此實施例中，電子支付APP可包括一即時通訊介面以提供即時通訊功能，並透過上述即時通訊介面以允許兩人或多人使用即時的傳遞文字訊息、檔案、語音與視訊交流。舉例來說，當移動通訊裝置10、20分別安裝了上述電子支付APP之後，移動通訊裝置10便可與移動通訊裝置20利用電子支付APP提供的即時通訊功能經由即時通訊介面進行即時通訊，例如透過即時通訊介面傳送即時訊息給彼此。此外，即時通訊中的使用者可於即時通訊過程中藉由即時訊息來發動如轉帳、要求轉帳或收帳等電子交易。 The electronic payment system 30 is mainly responsible for providing a third-party payment platform for buyers and sellers to conduct electronic commerce through electronic payment. Specifically, in the electronic payment system 30, each transaction will receive a payment request or a collection request sent by the user of the mobile communication device, and then, according to the identity level and account status of the counterparty of the payment request or collection request Decide whether or not to perform gold flow processing for electronic payments. For example, the electronic payment system 30 may transfer money from one electronic transaction account to another Electronic trading account to perform gold flow processing. In addition, the third-party payment platform can use the data interface provided by the electronic payment system 30 to develop its own electronic payment application (Application, APP) for users to download to their mobile communication devices, so that users of mobile communication devices can Checkout payment for electronic transactions through electronic payment APP. In this embodiment, the electronic payment APP may include an instant messaging interface to provide instant messaging functions, and through the above instant messaging interface, allow two or more people to use instant messaging text files, files, voice and video communication. For example, after the mobile communication devices 10 and 20 are respectively installed with the above-mentioned electronic payment APP, the mobile communication device 10 and the mobile communication device 20 can use the instant messaging function provided by the electronic payment APP for instant communication through the instant messaging interface, for example, through The instant messaging interface sends instant messages to each other. In addition, instant messaging users can use instant messaging to initiate electronic transactions such as transfers, request transfers, or collections during instant messaging.

無線存取點50可使用短距無線技術，例如：無線保真(Wireless Fidelity，WiFi)技術、藍牙技術、群蜂(Zigbee)技術等，建立一無線區域網路，以提供無線通訊服務給移動通訊裝置10。無線存取點50可透過乙太網(Ethernet)纜線連接至有線區域網路，再透過有線區域網路連接至網際網路40，其功能通常係用以接收、暫存、以及傳送針對移動通訊裝置10之資料流量。一般來說，若無線存取點50所使用的短距無線技術為無線保真技術，則其平均具有20公尺(在有障礙物的地方，例如：牆壁、樓梯間、電梯等)到100公尺(在空曠開放的地方)不等的涵蓋範圍。 The wireless access point 50 can use short-range wireless technologies, such as: Wireless Fidelity (WiFi) technology, Bluetooth technology, Zigbee technology, etc., to establish a wireless local area network to provide wireless communication services to mobile Communication device 10. The wireless access point 50 can be connected to a wired LAN through an Ethernet cable, and then connected to the Internet 40 through a wired LAN. Its functions are generally used to receive, temporarily store, and transmit Data flow of the communication device 10. Generally speaking, if the short-range wireless technology used by the wireless access point 50 is wireless fidelity technology, it has an average of 20 meters (where there are obstacles, such as walls, stairwells, elevators, etc.) to 100 Coverage varies in meters (in open areas).

電信網路60可為全球行動通訊系統(Global System for Mobile communications，GSM)、通用封包無線服務(General Packet Radio Service，GPRS)系統、全球增強型數據 傳輸(Enhanced Data rates for Global Evolution，EDGE)系統、寬頻分碼多工存取(Wideband Code Division Multiple Access，WCDMA)系統、分碼多工存取-2000(Code Division Multiple Access 2000，CDMA-2000)系統、分時同步分碼多工存取(Time Division-Synchronous Code Division Multiple Access，TD-SCDMA)系統、全球互通微波存取(Worldwide Interoperability for Microwave Access，WiMAX)系統、長期演進(Long Term Evolution，LTE)系統、以及分時長期演進(Time-Division LTE，TD-LTE)系統等，端視所使用的無線技術而定。其主要負責建立一無線廣域網路，以提供無線通訊服務給移動通訊裝置20。 The telecommunication network 60 may be a Global System for Mobile communications (GSM), a General Packet Radio Service (GPRS) system, and a globally enhanced data Transmission (Enhanced Data rates for Global Evolution, EDGE) system, Wideband Code Division Multiple Access (WCDMA) system, Code Division Multiple Access 2000 (CDMA-2000) System, Time Division-Synchronous Code Division Multiple Access (TD-SCDMA) system, Worldwide Interoperability for Microwave Access (WiMAX) system, Long Term Evolution, LTE) system and Time-Division LTE (TD-LTE) system, etc., depend on the wireless technology used. It is mainly responsible for establishing a wireless wide area network to provide wireless communication services to the mobile communication device 20.

第2圖係根據本發明一實施例所述之移動通訊裝置100之硬體架構示意圖。如第2圖所示，移動通訊裝置200可以是第1圖的電子商務環境100中之移動通訊裝置10或20。移動通訊裝置200至少包括顯示裝置210、通訊裝置220、控制器230、以及儲存裝置240。 FIG. 2 is a schematic diagram of a hardware architecture of the mobile communication device 100 according to an embodiment of the present invention. As shown in FIG. 2, the mobile communication device 200 may be the mobile communication device 10 or 20 in the e-commerce environment 100 of FIG. 1. The mobile communication device 200 includes at least a display device 210, a communication device 220, a controller 230, and a storage device 240.

顯示裝置210可為液晶顯示器(Liquid Crystal Display，LCD)、發光二極體(Light-Emitting Diode，LED)顯示器、或電子紙顯示器(Electronic Paper Display，EPD)等，用以顯示圖形化使用者介面。在另一實施例，顯示裝置210還可包括設置於其上或其下的一或多個觸碰偵測器，用以偵測導電物體(例如：手指、觸控筆)之接觸或靠近，以提供觸控方式之人機介面操作，使得顯示裝置210成為一具有觸碰偵測功能之顯示裝置。 The display device 210 may be a Liquid Crystal Display (LCD), a Light-Emitting Diode (LED) display, or an Electronic Paper Display (EPD), etc., for displaying a graphical user interface . In another embodiment, the display device 210 may further include one or more touch detectors disposed on or under it, for detecting contact or proximity of a conductive object (for example, a finger, a stylus pen), The human-machine interface operation provided with a touch mode makes the display device 210 a display device with a touch detection function.

通訊裝置220係用以提供網路連線至網際網路40，透過網際網路40可再連接至電子支付系統30。通訊裝置220可依循至 少一特定通訊技術提供無線區域/廣域網路連線，只要上述特定通訊技術係與電信網路60所使用的通訊技術相容。舉例來說，通訊裝置220可包含無線網路功能之射頻裝置、基頻裝置、及天線之組合。在另一實施例，通訊裝置220還可提供有線網路連線，例如，通訊裝置220可包含乙太網路卡。 The communication device 220 is used to provide a network connection to the Internet 40, and the Internet 40 can be connected to the electronic payment system 30 again. The communication device 220 may follow One specific communication technology provides wireless LAN / WAN connection, as long as the specific communication technology is compatible with the communication technology used by the telecommunications network 60. For example, the communication device 220 may include a combination of a radio frequency device with a wireless network function, a baseband device, and an antenna. In another embodiment, the communication device 220 may also provide a wired network connection. For example, the communication device 220 may include an Ethernet card.

控制器230可為通用處理器、微處理器、應用處器、或數位訊號處理器等，其可包括各式電路邏輯，用以提供數據處理及運算之功能、傳送畫面(包括：文字、圖像、影像)資料到顯示裝置210、控制通訊裝置220的運作以提供網路連線、以及從儲存裝置240讀取或儲存數據。特別是，控制器230係用以從儲存裝置240讀取應用之程式碼，以執行電子支付APP。此外，控制器230還用以協調控制顯示裝置210、通訊裝置220、以及儲存裝置240之運作，以執行本發明的電子支付交易方法。於一些實施例中，上述電子支付交易方法可包括以下步驟：執行電子支付APP並顯示電子支付APP之一即時通訊介面於圖形化使用者介面，透過上述電子支付APP之上述即時通訊介面產生包括一付款資訊、轉帳資訊及/或收帳作業資訊的交易請求(transaction request)並透過通訊裝置傳送上述交易請求至電子支付系統30以供其進行驗證以及接收來自電子支付系統30的交易結果並將上述交易結果以一即時訊息顯示於上述即時通訊介面。 The controller 230 may be a general-purpose processor, a microprocessor, an application processor, or a digital signal processor. It may include various types of circuit logic to provide data processing and calculation functions, and transmit screens (including: text, graphics (Image, image) data to the display device 210, control the operation of the communication device 220 to provide a network connection, and read or store data from the storage device 240. In particular, the controller 230 is configured to read application code from the storage device 240 to execute an electronic payment APP. In addition, the controller 230 is also used to coordinate and control the operations of the display device 210, the communication device 220, and the storage device 240 to execute the electronic payment transaction method of the present invention. In some embodiments, the above-mentioned electronic payment transaction method may include the following steps: executing an electronic payment APP and displaying an instant messaging interface of the electronic payment APP on a graphical user interface, and generating through the above instant messaging interface of the electronic payment APP includes a Payment request, transfer information, and / or transaction request of the collection operation information and transmitting the above transaction request to the electronic payment system 30 through a communication device for verification and receiving the transaction result from the electronic payment system 30 and transmitting the above The transaction result is displayed on the above-mentioned instant messaging interface as an instant message.

於另一些實施例中，上述電子支付交易方法可包括以下步驟：執行電子支付APP並顯示電子支付APP之一即時通訊介面於圖形化使用者介面，透過上述電子支付APP之上述即時通訊介面接收一收款資訊、接收轉帳資訊及/或收帳作業資訊並透過 通訊裝置傳送相應上述收款資訊、接收轉帳資訊及/或收帳作業資訊之確認訊息至電子支付系統30以供其進行驗證以及接收來自電子支付系統30的交易結果並將上述交易結果以一即時訊息顯示於上述即時通訊介面。 In other embodiments, the above-mentioned electronic payment transaction method may include the following steps: executing an electronic payment APP and displaying one of the instant messaging interfaces of the electronic payment APP on a graphical user interface, and receiving a message through the instant messaging interface of the electronic payment APP. Collection information, transfer information and / or collection operations information and The communication device sends a confirmation message corresponding to the above-mentioned payment information, receiving the transfer information and / or the collection operation information to the electronic payment system 30 for verification and receiving the transaction result from the electronic payment system 30 and transmitting the above-mentioned transaction result in an instant The message is displayed on the above chat interface.

該領域之熟習技藝人士當可理解，控制器230中的電路邏輯通常可包括多個電晶體，用以控制該電路邏輯之運作以提供所需之功能及作業。更進一步的，電晶體的特定結構及其之間的連結關係通常是由編譯器所決定，例如：暫存器轉移語言編譯器可由處理器所運作，將類似組合語言碼的指令檔編譯成適用於設計或製造該電路邏輯所需之形式。 Those skilled in the art will understand that the circuit logic in the controller 230 may generally include multiple transistors to control the operation of the circuit logic to provide the required functions and operations. Furthermore, the specific structure of the transistor and the connection relationship between them are usually determined by the compiler. For example, the register transfer language compiler can be operated by the processor to compile the instruction file similar to the combined language code into a suitable one. In the form required to design or manufacture the circuit logic.

儲存裝置240為非暫態之電腦可讀取儲存媒體，例如：隨機存取記憶體、快閃記憶體，或硬碟、光碟，或上述媒體之任意組合，用以儲存指令集、應用及/或通訊協定之程式碼等。特別是，儲存裝置240還儲存有本發明之方法的指令集或程式碼，由控制器230載入並執行。 The storage device 240 is a non-transitory computer-readable storage medium, such as a random access memory, a flash memory, or a hard disk, an optical disk, or any combination of the foregoing media, for storing instruction sets, applications, and / Or protocol code. In particular, the storage device 240 also stores an instruction set or code of the method of the present invention, which is loaded and executed by the controller 230.

當可理解的是，第2圖所示之元件僅用以提供一說明之範例，並非用以限制本發明之保護範圍。舉例來說，移動通訊裝置200還可包括一或多個按鈕、鍵盤、滑鼠、觸控板、電源供應器、麥克風、喇叭、以及/或全球定位系統儀等。 It can be understood that the components shown in FIG. 2 are only used to provide an illustrative example, and are not intended to limit the protection scope of the present invention. For example, the mobile communication device 200 may further include one or more buttons, a keyboard, a mouse, a touch pad, a power supply, a microphone, a speaker, and / or a GPS device, and the like.

第3圖係根據本發明一實施例所述之電子支付系統之硬體架構示意圖。電子支付系統30至少包括通訊裝置31、控制器32、以及儲存裝置33。 FIG. 3 is a schematic diagram of a hardware architecture of an electronic payment system according to an embodiment of the present invention. The electronic payment system 30 includes at least a communication device 31, a controller 32, and a storage device 33.

通訊裝置31係用以提供連線至網際網路40，透過網際網路40可再連接至移動通訊裝置10、20、以及金融機構伺服器 (未繪示)。通訊裝置31可依循至少一特定通訊技術提供有線或無線網路連線，例如：乙太網、無線區域網路、或無線廣域網路。舉例來說，通訊裝置31可包含有線網路功能之乙太網路卡、或無線網路功能之射頻裝置、基頻裝置、及天線之組合。 The communication device 31 is used to provide a connection to the Internet 40. Through the Internet 40, it can be connected to the mobile communication devices 10, 20, and the financial institution server. (Not shown). The communication device 31 may provide a wired or wireless network connection according to at least one specific communication technology, such as: Ethernet, wireless local area network, or wireless wide area network. For example, the communication device 31 may include a combination of a wired network function Ethernet card, or a wireless network function radio frequency device, a baseband device, and an antenna.

控制器32可為通用處理器、微處理器(Micro Control Unit，MCU)、應用處理器(Application Processor，AP)、或數位訊號處理器(Digital Signal Processor，DSP)等，其可包括各式電路邏輯，用以提供數據處理及運算之功能、控制通訊裝置31的運作以提供網路連結、以及從儲存裝置33讀取或儲存數據。特別是，控制器32係用以協調控制通訊裝置31、以及儲存裝置33之運作，以執行本發明的電子支付交易方法。明確來說，電子支付系統30主要負責電子支付的付款作業。也就是說，當付款方透過電子支付APP或即時通訊來傳送轉帳或要求轉帳的交易請求到電子支付系統30以進行相關交易時，電子支付系統30會進行相關權限與金額判斷，例如：確認電子支付帳戶(如：歐付寶帳戶)的相關資料是否符合交易條件，並執行結帳動作相關的後台金流程序。另外，在完成電子支付的付款作業之後，電子支付系統30會透過通訊裝置通知付款結果。 The controller 32 may be a general-purpose processor, a microprocessor (Micro Control Unit, MCU), an application processor (AP), or a digital signal processor (DSP). The controller 32 may include various circuits. Logic for providing data processing and calculation functions, controlling the operation of the communication device 31 to provide a network connection, and reading or storing data from the storage device 33. In particular, the controller 32 is used to coordinate and control the operations of the communication device 31 and the storage device 33 to execute the electronic payment transaction method of the present invention. Specifically, the electronic payment system 30 is mainly responsible for electronic payment operations. In other words, when a payer sends a transaction request for a transfer or a transfer request to the electronic payment system 30 through an electronic payment APP or instant messaging to perform related transactions, the electronic payment system 30 will perform related authority and amount judgments, such as confirming the electronic Whether the relevant information of the payment account (such as Opel account) meets the transaction conditions, and execute the background gold flow procedures related to the checkout action. In addition, after completing the payment operation of the electronic payment, the electronic payment system 30 notifies the payment result through the communication device.

該領域之熟習技藝人士當可理解，控制器32中的電路邏輯通常可包括多個電晶體，用以控制該電路邏輯之運作以提供所需之功能及作業。更進一步的，電晶體的特定結構及其之間的連結關係通常是由編譯器所決定，例如：暫存器轉移語言(Register Transfer Language，RTL)編譯器可由處理器所運作，將類似組合語言碼的指令檔(script)編譯成適用於設計或製造該 電路邏輯所需之形式。 Those skilled in the art will understand that the circuit logic in the controller 32 may generally include multiple transistors to control the operation of the circuit logic to provide the required functions and operations. Furthermore, the specific structure of the transistor and the connection relationship between them are usually determined by the compiler. For example: the Register Transfer Language (RTL) compiler can be operated by the processor, and it will be similar to a combined language. Code's script is compiled to be suitable for designing or manufacturing the The required form of circuit logic.

儲存裝置33為非暫態(non-transitory)之電腦可讀取儲存媒體，例如：隨機存取記憶體(Random Access Memory，RAM)、快閃記憶體，或硬碟、光碟，或上述媒體之任意組合，用以儲存指令集、應用及/或通訊協定之程式碼等。特別是，儲存裝置33還儲存有本發明之方法的指令集或程式碼，由控制器32載入並執行。 The storage device 33 is a non-transitory computer-readable storage medium, such as: Random Access Memory (RAM), flash memory, or hard disk, optical disk, or one of the above media. Any combination to store instruction set, application and / or protocol code, etc. In particular, the storage device 33 also stores an instruction set or code of the method of the present invention, which is loaded and executed by the controller 32.

當可理解的是，第3圖所示之元件僅用以提供一說明之範例，並非用以限制本發明之保護範圍。舉例來說，電子支付系統30還可包括一或多個按鈕、鍵盤、滑鼠、觸碰板、視訊鏡頭、麥克風、顯示螢幕(例如：液晶顯示器、發光二極體顯示器、或電子紙顯示器等)、以及/或喇叭等，用以作為人機介面與使用者互動。 It can be understood that the components shown in FIG. 3 are only used to provide an illustrative example, and are not intended to limit the protection scope of the present invention. For example, the electronic payment system 30 may further include one or more buttons, a keyboard, a mouse, a touchpad, a video lens, a microphone, and a display screen (for example, a liquid crystal display, a light emitting diode display, or an electronic paper display, etc. ), And / or speakers, etc., to interact with users as a human-machine interface.

在另一實施例，移動通訊裝置10、20亦可同時連接至同一個電信網路以取得網路連線。或者，移動通訊裝置10、以及/或移動通訊裝置20亦可連接至一無線區域網路以取得網路連線。舉例來說，無線區域網路可使用短距無線技術，例如：無線保真(Wireless Fidelity，WiFi)技術、藍牙技術、群蜂(Zigbee)技術等。 In another embodiment, the mobile communication devices 10 and 20 can also be connected to the same telecommunication network at the same time to obtain a network connection. Alternatively, the mobile communication device 10 and / or the mobile communication device 20 can also be connected to a wireless local area network to obtain a network connection. For example, the wireless local area network may use short-range wireless technologies, such as: Wireless Fidelity (WiFi) technology, Bluetooth technology, Zigbee technology, and so on.

第4A~4C圖係根據本發明一實施例所述之電子支付交易方法之流程圖。第4A圖所示為轉帳方(如移動通訊裝置10的使用者)的執行流程，第4B圖所示為電子支付系統端(如電子支付系統30)的執行流程，第4C圖所示為接收轉帳方(如移動通訊裝置20的使用者)的執行流程。在此實施例，轉帳方與接收轉帳方係為 即時通訊群組中的且均擁有相同的第三方電子支付帳戶(如：歐付寶帳戶)。 4A to 4C are flowcharts of an electronic payment transaction method according to an embodiment of the present invention. Figure 4A shows the execution flow of the transfer party (such as the user of the mobile communication device 10), Figure 4B shows the execution flow of the electronic payment system (such as the electronic payment system 30), and Figure 4C shows the receiving The execution process of the transfer party (such as the user of the mobile communication device 20). In this embodiment, the transfer party and the receiving transfer party are All of the instant messaging groups have the same third-party electronic payment account (such as OpelPay account).

首先，轉帳方在移動通訊裝置10上點選執行電子支付APP，並輸入密碼通過驗證，進入電子支付APP的即時通訊介面選單，電子支付APP的即時通訊介面包括一通訊清單，如第5A圖所示。通訊清單為具有相同第三方支付帳戶(如：歐付寶帳戶)的好友會員清單。舉例來說，如第5A圖所示，通訊清單中顯示具有一暱稱的好友清單，可自好友清單中選擇好友「吉兒」以傳送即時訊息進行即時通訊(步驟S401)。於此實施例中，當好友未具有一暱稱時，需先設定暱稱才能傳送即時訊息，如此可確保不會將訊息傳送給不認識的人。當使用者選取好友後會進入即時通訊介面，如第5B圖與第5C圖所示的聊天室畫面(步驟S402)。 First, the transferer clicks on the mobile communication device 10 to execute the electronic payment APP, and enters a password to pass the verification, and enters the instant messaging interface menu of the electronic payment APP. The instant messaging interface of the electronic payment APP includes a communication list, as shown in FIG. 5A Show. The mailing list is a list of friends who have the same third-party payment account (such as an Opelpay account). For example, as shown in FIG. 5A, a friend list with a nickname is displayed in the communication list, and a friend "Jill" can be selected from the friend list to send an instant message for instant communication (step S401). In this embodiment, when a friend does not have a nickname, the nickname needs to be set before the instant message can be sent, so as to ensure that the message will not be sent to an unknown person. When the user selects a friend, the user will enter the instant messaging interface, such as the chat room screen shown in FIG. 5B and FIG. 5C (step S402).

舉例來說但不限於此，於一實施例中，前述選擇好友的相關操作可經由以下取得好友列表及顯示通訊錄好友清單的範例程式碼片段所實現： For example, but not limited to this, in one embodiment, the aforementioned related operation of selecting a friend may be implemented by the following sample code snippet for obtaining a friend list and displaying a contact list friend list:

於一實施例中，前述進入聊天室的相關操作可經由以下用以新增聊天室及點選好友名單進入聊天室的範例程式碼片段所實現： In one embodiment, the aforementioned related operations of entering a chat room can be implemented by the following sample code snippets for adding a chat room and clicking a friend list to enter the chat room:

於一些實施例中，電子支付APP的主選單也可提供一「轉帳」之選項，當使用者點選「轉帳」之選項之後，可跳出上述通訊清單，以供選取接收轉帳方進行後續操作。 In some embodiments, the main menu of the electronic payment APP may also provide a "Transfer" option. After the user clicks the "Transfer" option, the above-mentioned communication list may be popped up for selection of the receiving transfer party for subsequent operations.

當移動通訊裝置10之轉帳方欲轉帳給聊天室的好友時，轉帳方可於聊天畫面中直接發動轉帳，如第5C圖所示，轉帳方透過移動通訊裝置10點選畫面中的「+」以顯示可執行的交易選項。可執行的交易選項至少包括「轉帳」與「要求轉帳」，可點選對應的按鈕以發動轉帳或要求轉帳的電子交易。於此實施例 中，轉帳方欲進行轉帳交易，點選「轉帳」之選項，產生類別為轉帳交易之一交易請求至電子支付系統30，如第5D圖所示(步驟S403)。交易請求可包含移動通訊裝置10的轉帳交易有關的電子支付帳戶的資訊，因此電子支付系統30可以知道哪個帳戶是與交易有關。舉例來說，一筆款項例如1000元要求從第一電子支付帳戶中進行扣款。 When the transfer party of the mobile communication device 10 wants to transfer money to a friend in the chat room, the transfer party can directly initiate the transfer in the chat screen. As shown in FIG. 5C, the transfer party clicks the "+" in the screen through the mobile communication device 10. To display executable trading options. Executable transaction options include at least "transfer" and "request to transfer". You can click the corresponding button to initiate a transfer or request an electronic transaction. In this embodiment During the transfer, if the transfer party wants to perform a transfer transaction, click the option of "Transfer" to generate a transaction request of one of the transfer transactions to the electronic payment system 30, as shown in FIG. 5D (step S403). The transaction request may include information about the electronic payment account related to the transfer transaction of the mobile communication device 10, so the electronic payment system 30 can know which account is related to the transaction. For example, a payment such as 1,000 yuan requires a deduction from the first electronic payment account.

接著，移動通訊裝置10上的電子支付APP會將轉帳要求資料傳送至電子支付系統30，由電子支付系統30進行轉帳方的身分驗證，判斷轉帳方是否具有進行上述轉帳交易的資格。 Next, the electronic payment APP on the mobile communication device 10 transmits the transfer request data to the electronic payment system 30, and the electronic payment system 30 verifies the identity of the transfer party and determines whether the transfer party is qualified to perform the above-mentioned transfer transaction.

於接收到移動通訊裝置10的轉帳要求資料時，電子支付系統30進行轉帳方的身分驗證，判斷轉帳方是否具有進行上述交易的資格。具體來說，電子支付系統30判斷轉帳方是否具有進行上述交易的資格係判斷轉帳方的會員等級是否為白金會員以上的等級(步驟S404)。一般而言，白金會員以上級別的會員都要先通過利用身分證等資料的實名認證程序，因此藉由判斷轉帳方的會員等級是否為白金會員以上的等級可以判斷轉帳方的真實性。若轉帳方的會員等級非為白金會員以上級別(步驟S404的否)，表示轉帳方未進行或未通過實名認證，則電子支付系統30通知轉帳方會員等級不符資格無法進行轉帳，並將移動通訊裝置10的電子支付APP導至會員升級頁面以允許轉帳方進行升級(步驟S405)。舉例來說，轉帳方可透過如Email、身分證相關資料驗證程序、***/銀行等管道來進行升級。若轉帳方的會員等級為白金會員以上級別(步驟S404的是)，接著電子支付系統30判斷轉帳方的電子支付帳戶是否有餘額(步驟406)。若轉帳方的電子支付 帳戶沒有足夠餘額時(步驟S406的否)，電子支付系統30傳送警告提醒訊息，告知轉帳方餘額不足，無法進行轉帳(步驟S407)。若轉帳方的會員等級為白金會員以上級別且電子支付帳戶有餘額時，電子支付系統30接著傳送通知至移動通訊裝置10的電子支付APP，要求轉帳方輸入欲轉帳的金額，載入付款頁面讓轉帳方輸入轉帳資訊，轉帳方在金額輸入頁面輸入轉帳資訊(步驟S408)，如第5E圖所示。其中，轉帳資訊可包括以下至少一者：轉帳金額、轉帳明細以及接收轉帳方與對應之電子支付帳號。金額輸入完畢後，電子支付APP傳送轉帳資訊至電子支付系統30進行由電子支付APP將轉帳資訊傳送給電子支付系統30。 When receiving the transfer request data of the mobile communication device 10, the electronic payment system 30 performs identity verification of the transfer party, and determines whether the transfer party is qualified to perform the transaction. Specifically, the electronic payment system 30 determines whether the transferor is qualified to perform the above-mentioned transaction by determining whether the transferor's membership level is a platinum member level or higher (step S404). Generally speaking, members of the Platinum level and above must first pass the real-name authentication process using information such as ID cards. Therefore, the authenticity of the transferor can be judged by judging whether the transferee's membership level is above the Platinum membership level. If the transferor's membership level is not above the Platinum membership level (No in step S404), it means that the transferor has not performed or passed the real-name authentication, the electronic payment system 30 notifies the transferor that the membership level is not eligible for the transfer, and the mobile communication The electronic payment APP of the device 10 is directed to the member upgrade page to allow the transfer party to perform the upgrade (step S405). For example, the transferor can upgrade through channels such as Email, ID card-related data verification procedures, and credit card / banking. If the transferee's membership level is above Platinum membership (YES in step S404), the electronic payment system 30 then determines whether there is a balance in the electronic payment account of the transferor (step 406). If the transferer's electronic payment When the account does not have sufficient balance (No in step S406), the electronic payment system 30 transmits a warning reminder message informing the transferor that the balance is insufficient and that the transfer cannot be performed (step S407). If the transferer ’s membership level is above Platinum and the electronic payment account has a balance, the electronic payment system 30 then sends a notification to the electronic payment app of the mobile communication device 10, asking the transferor to enter the amount to be transferred, load the payment page and let The transfer party enters the transfer information, and the transfer party enters the transfer information on the amount input page (step S408), as shown in FIG. 5E. The transfer information may include at least one of the following: the amount of the transfer, the details of the transfer, and the recipient of the transfer and the corresponding electronic payment account. After the amount is entered, the electronic payment APP transmits the transfer information to the electronic payment system 30, and the electronic payment APP transmits the transfer information to the electronic payment system 30.

電子支付系30統接著判斷轉帳方的電子支付帳戶的餘額是否大於輸入的轉帳金額(步驟S409)。若轉帳方的電子支付帳戶的餘額小於輸入的轉帳金額時(步驟S409的否)，電子支付系統30傳送警告提醒訊息，告知轉帳方餘額不足，無法進行轉帳(步驟S410)。若轉帳方的電子支付帳戶的餘額大於輸入的轉帳金額時(步驟S409的是)，接著電子支付系統30進一步判斷轉帳方的轉帳額度是否已達上限，例如判斷轉帳方單筆、單日、單月的額度是否已達上限(例如單日的轉帳總金額是否超過100萬元或單筆的轉帳總金額是否超過5萬)(步驟S411)。若轉帳方的轉帳額度已達上限時(步驟S411的是)，電子支付系統30傳送警告提醒訊息，告知轉帳方額度已達上限，無法進行轉帳(步驟S412)。若轉帳方的轉帳額度未達上限時(步驟S411的否)，電子支付系統30傳送交易明細包括轉帳方的相關資料及交易相關資料(例如轉帳方會員及暱稱、接收轉帳方會員編號及暱稱、交易金額、幣別與付款方式等)， 以供轉帳方進行交易確認，使移動通訊裝置10的電子支付APP進入轉帳確認頁面以確認轉帳指示(步驟S413)，如第5F圖所示，在轉帳確認頁面會顯示由電子支付系統30所取得之交易明細資訊，包括接收轉帳方的暱稱與識別資料、轉帳金額、轉帳時間、以及轉帳方的暱稱與識別資料等資訊。以供轉帳方進行交易確認。轉帳方可選擇「確認」之選項以確認上述交易明細資訊。之後，電子支付APP會進行轉帳再確認(步驟S414)，如第5G圖所示，請轉帳方再次確認轉帳內容是否有誤，避免轉帳錯誤。 The electronic payment system 30 then determines whether the balance of the electronic payment account of the transfer party is greater than the input transfer amount (step S409). If the balance of the electronic payment account of the transfer party is less than the input transfer amount (No in step S409), the electronic payment system 30 sends a warning reminder message informing the transfer party that the balance is insufficient to perform the transfer (step S410). If the balance of the electronic payment account of the transfer party is greater than the input transfer amount (YES in step S409), the electronic payment system 30 then further determines whether the transfer limit of the transfer party has reached the upper limit, for example, a single transaction, a single day, or a single transaction. Whether the monthly amount has reached the upper limit (for example, whether the total amount of a single day's transfer exceeds 1 million yuan or whether the total amount of a single transfer exceeds 50,000) (step S411). If the transfer party's transfer limit has reached the upper limit (YES in step S411), the electronic payment system 30 transmits a warning reminder message informing the transfer party that the limit has been reached and the transfer cannot be performed (step S412). If the transfer party's transfer amount has not reached the upper limit (No in step S411), the electronic payment system 30 transmits the transaction details including relevant information of the transfer party and transaction-related information (such as the member and nickname of the transfer party, the member ID and nickname of the transfer party, Transaction amount, currency, payment method, etc.), For the transfer party to confirm the transaction, the electronic payment APP of the mobile communication device 10 enters the transfer confirmation page to confirm the transfer instruction (step S413). As shown in FIG. 5F, the transfer confirmation page will display the information obtained by the electronic payment system 30. The transaction details include receiving the nickname and identification information of the transfer party, the amount of the transfer, the time of the transfer, and the nickname and identification information of the transfer party. For the transfer party to confirm the transaction. The transferor can select the "Confirm" option to confirm the above transaction details. After that, the electronic payment APP will reconfirm the transfer (step S414). As shown in FIG. 5G, the transferor should reconfirm whether the content of the transfer is correct to avoid transfer errors.

於一實施例中，前述驗證轉帳方會員等級、帳戶餘額以及取得轉帳相關資訊的相關操作可經由以下的範例程式碼片段所實現： In one embodiment, the aforementioned operations of verifying the transferer's membership level, account balance, and obtaining transfer-related information can be implemented through the following sample code snippet:

於一些實施例中，步驟S408至步驟S413的轉帳交易步驟可以部份合併或調整，以簡化使用者的操作流程。舉例來說，步驟S408的輸入轉帳資訊的步驟可以與步驟S413的確認轉帳指示的步驟整合在一起，當使用者輸入完轉帳資訊後可同時進行第一次的確認轉帳指示，因此可簡化整個轉帳流程。 In some embodiments, the transfer transaction steps from step S408 to step S413 may be partially combined or adjusted to simplify the operation process of the user. For example, the step of entering the transfer information in step S408 can be integrated with the step of confirming the transfer instruction in step S413. When the user enters the transfer information, the first confirmation transfer instruction can be performed at the same time, so the entire transfer can be simplified. Process.

於轉帳方確認上述交易明細資訊後，按下「確認」按鈕，移動通訊裝置10的電子支付APP傳送確認交易訊息至電子 支付系統30。 After the transferer confirms the above transaction details, press the "Confirm" button, and the electronic payment APP of the mobile communication device 10 sends a confirmation transaction message to the electronic Payment system 30.

電子支付系統30在交易確認後，會回傳交易結果給電子支付APP。交易結果可為交易成功或交易失敗，例如轉帳成功、轉帳失敗、接收轉帳成功或接收轉帳失敗。當電子支付APP收到交易結果後，會將上述交易結果以一即時訊息顯示於即時通訊介面上。因此，轉帳方與接收轉帳方便可藉由即時訊息知道轉帳是否成功。 The electronic payment system 30 will return the transaction result to the electronic payment APP after the transaction is confirmed. The transaction result can be a transaction success or transaction failure, such as a successful transfer, a failed transfer, a successful transfer, or a failed transfer. When the electronic payment APP receives the transaction result, it will display the above transaction result as an instant message on the instant messaging interface. Therefore, it is convenient for the transfer party and receiving the transfer to know whether the transfer was successful or not through the instant message.

於接收到確認交易訊息之後，電子支付系統30接著進行接收轉帳方的身分驗證，判斷接收轉帳方是否具有進行上述交易的資格。具體來說，電子支付系統30判斷接收轉帳方是否具有進行上述交易的資格係判斷接收轉帳方的會員等級是否為白金會員以上級別(步驟S415)。若接收轉帳方的會員等級非為白金會員以上級別(步驟S415的否)，則電子支付系統30傳送訊息通知轉帳方與接收轉帳方轉帳失敗，通知接收轉帳方會員等級不符資格無法進行轉帳(步驟S416)，並可提示接收轉帳方進行一升級作業程序，將其導至會員升級頁面以允許接收轉帳方進行升級(步驟S417)。 After receiving the confirmation transaction message, the electronic payment system 30 then performs identity verification of the receiving transfer party, and determines whether the receiving transfer party is qualified to perform the transaction. Specifically, the electronic payment system 30 determines whether the receiving transfer party is qualified to perform the above-mentioned transaction by determining whether the membership level of the receiving transfer party is a platinum member or higher (step S415). If the membership level of the receiving transfer party is not higher than that of a platinum member (No in step S415), the electronic payment system 30 sends a message notifying the transfer party and the receiving transfer party that the transfer has failed, and notifying the receiving transfer party that the membership level is not eligible for the transfer (step S416), and may prompt the receiving transfer party to perform an upgrade operation procedure, and direct it to the member upgrade page to allow the receiving transfer party to perform the upgrade (step S417).

若接收轉帳方的會員等級為白金會員以上級別(步驟S415的是)，接著電子支付系統30判斷接收轉帳方的電子支付帳戶的收款額度是否已達上限，例如判斷接收轉帳方的月收款額度是否已達上限(例如月收款額度是否超過100萬元)(步驟S419)。 If the receiving party's membership level is above platinum (Yes in step S415), then the electronic payment system 30 determines whether the receiving party's electronic payment account has reached the upper limit, such as determining the monthly receiving party's monthly payment. Whether the amount has reached the upper limit (for example, whether the monthly payment amount exceeds 1 million yuan) (step S419).

若接收轉帳方的收款額度未達上限時(步驟S419的否)，表示仍可轉帳給接收轉帳方，電子支付系統30認可交易請求，電子支付系統將錢從轉帳方的使用者對應的第一電子支付帳 戶轉帳至接收轉帳方的使用者對應的第二電子支付帳戶並傳送表示交易已完成(例如轉帳成功，已成功扣款)的交易訊息通知給接收轉帳方的電子支付APP(步驟S421)。接收轉帳方的電子支付APP將上述交易結果以一即時訊息顯示於即時通訊介面上，如第6A圖所示，並且接收轉帳方可點選轉帳成功訊息以跳出如第6B圖所示的轉帳明細資訊。當接收轉帳方的電子支付APP於步驟S416、S420或S421得到上述交易結果之後，可再透過即時訊息通知轉帳方轉帳的結果(步驟S418)。 If the receiving party's receiving amount does not reach the upper limit (No in step S419), it indicates that the transfer can still be made to the receiving party. The electronic payment system 30 recognizes the transaction request, and the electronic payment system transfers the money from the corresponding party's user. An electronic payment account The user transfers money to the second electronic payment account corresponding to the user who receives the money transfer party and sends a transaction message indicating that the transaction has been completed (for example, the transfer is successful, and the payment has been successfully debited) to the electronic payment APP that receives the money transfer party (step S421). The electronic payment APP of the transfer party displays the above transaction result as an instant message on the instant messaging interface, as shown in FIG. 6A, and the recipient of the transfer can click the transfer success message to jump out of the transfer details as shown in FIG. 6B Information. After receiving the transfer party's electronic payment APP at step S416, S420, or S421, the transfer result may be notified by the transfer party via the instant message (step S418).

於一實施例中，前述轉帳方及接收轉帳方接收轉帳結果訊息通知的相關操作可經由以下的範例程式碼片段所實現： In an embodiment, the foregoing operations of the transferor and the recipient of receiving the transfer result message notification can be implemented by the following example code snippet:

若接收轉帳方的收款額度已達上限時(步驟419的是)，表示無法轉帳給接收轉帳方，電子支付系統30會回傳轉帳失敗的交易結果通知給接收轉帳方的電子支付APP(步驟S420)。接收轉帳方的電子支付APP將上述交易結果以一即時訊息顯示於即 時通訊介面上，如第6C圖所示，並且接收轉帳方可點選轉帳失敗訊息以跳出如第6D圖所示的轉帳明細資訊。 If the receiving party's payment limit has reached the upper limit (YES in step 419), it indicates that the transfer cannot be made to the receiving party, and the electronic payment system 30 will send back the transaction result of the failed transfer to the receiving party's electronic payment APP (step S420). The electronic payment APP of the receiving bank will display the above transaction result as an instant message immediately On the newsletter interface, as shown in Figure 6C, and receiving the transfer, you can click the transfer failure message to pop up the transfer details shown in Figure 6D.

於另一實施例中，移動通訊裝置10的使用者可於聊天畫面中直接發動要求轉帳。 In another embodiment, the user of the mobile communication device 10 can directly initiate a transfer request in the chat screen.

第7A~7C圖係根據本發明另一實施例所述之電子支付交易方法之流程圖。第7A圖所示為要求轉帳方(如移動通訊裝置10的使用者)的執行流程，第7B圖所示為電子支付系統端(如電子支付系統30)的執行流程，第7C圖所示為轉帳方(如移動通訊裝置20的使用者)的執行流程。在此實施例，要求轉帳方與轉帳方係為即時通訊群組中的且均擁有相同的第三方電子支付帳戶(如：歐付寶帳戶)。 7A to 7C are flowcharts of an electronic payment transaction method according to another embodiment of the present invention. Figure 7A shows the execution flow of the requesting transfer party (such as the user of the mobile communication device 10), Figure 7B shows the execution flow of the electronic payment system (such as the electronic payment system 30), and Figure 7C shows the The execution process of the transfer party (such as the user of the mobile communication device 20). In this embodiment, the transfer party and the transfer party are required to be in the instant messaging group and both have the same third-party electronic payment account (such as an Opelpay account).

首先，要求轉帳方在移動通訊裝置10上點選執行電子支付APP，並輸入密碼通過驗證，進入電子支付APP的即時通訊介面選單，電子支付APP的即時通訊介面包括一通訊清單，如第5A圖所示。舉例來說，如第5A圖所示，通訊清單中顯示具有一暱稱的好友清單，可自好友清單中選擇好友「吉兒」以傳送即時訊息進行即時通訊(步驟S701)。類似地，當好友未具有一暱稱時，需先設定暱稱才能傳送即時訊息，如此可確保不會將訊息傳送給不認識的人。當使用者選取好友後會進入即時通訊介面，如第5B圖與第5C圖所示的聊天室畫面(步驟S702)。 First, the transferor is required to click and execute the electronic payment APP on the mobile communication device 10, and enter the password to pass the verification to enter the instant messaging interface menu of the electronic payment APP. The instant messaging interface of the electronic payment APP includes a communication list, as shown in FIG. 5A As shown. For example, as shown in FIG. 5A, a friend list with a nickname is displayed in the communication list, and a friend "Jill" can be selected from the friend list to send an instant message for instant communication (step S701). Similarly, when a friend does not have a nickname, the nickname needs to be set before the instant message can be sent, so as to ensure that the message will not be sent to an unknown person. When the user selects a friend, the user will enter the instant messaging interface, such as the chat room screen shown in FIG. 5B and FIG. 5C (step S702).

於一些實施例中，電子支付APP的主選單也可提供一「要求轉帳」之選項，當使用者點選「要求轉帳」之選項之後，可跳出上述通訊清單，以供選取需轉帳方進行後續操作(步驟S703)。 In some embodiments, the main menu of the electronic payment APP can also provide a "request for transfer" option. After the user clicks the "request for transfer" option, the above communication list can be jumped out for selection of the party who needs to be transferred for follow-up Operation (step S703).

當移動通訊裝置10之要求轉帳方發出要求轉帳請求給聊天室的好友時，要求轉帳方可於聊天畫面中直接發動要求轉帳的交易請求，如第5C圖所示，要求轉帳方透過移動通訊裝置10點選畫面中的「+」以顯示可執行的交易選項，並點選「要求轉帳」之選項，產生類別為要求轉帳交易之一交易請求至電子支付系統30。交易請求可包含移動通訊裝置10的要求轉帳交易有關的電子支付帳戶的資訊，因此電子支付系統30可以知道哪個帳戶是與交易有關。 When the transfer requesting party of the mobile communication device 10 sends a transfer request to a friend in the chat room, the requesting transfer party can directly initiate a transaction request for the transfer in the chat screen. As shown in FIG. 5C, the transfer requesting party is requested to use the mobile communication device 10 Click the "+" in the screen to display the executable transaction options, and click the "request to transfer" option to generate a transaction request that is one of the transactions requiring a transfer to the electronic payment system 30. The transaction request may include information of the electronic payment account related to the transfer transaction requested by the mobile communication device 10, so the electronic payment system 30 can know which account is related to the transaction.

接著，移動通訊裝置10上的電子支付APP會將要求轉帳資料傳送至電子支付系統30，由電子支付系統30進行要求轉帳方的身分驗證，判斷要求轉帳方是否具有進行上述要求轉帳交易的資格。 Next, the electronic payment APP on the mobile communication device 10 transmits the transfer request data to the electronic payment system 30, and the electronic payment system 30 performs identity verification of the transfer requesting party to determine whether the requesting transfer party is qualified to perform the above-mentioned transfer request transaction.

於接收到移動通訊裝置10的要求轉帳資料時，電子支付系統30進行要求轉帳方的身分驗證，判斷轉帳方是否具有進行上述交易的資格。具體來說，電子支付系統30判斷要求轉帳方是否具有進行上述交易的資格係判斷要求轉帳方的會員等級是否為白金會員以上的等級(步驟S704)。若要求轉帳方的會員等級非為白金會員以上級別(步驟S704的否)，表示要求轉帳方未進行或未通過實名認證，則電子支付系統30通知要求轉帳方其會員等級不符資格無法進行轉帳，並將移動通訊裝置10的電子支付APP導至會員升級頁面以允許要求轉帳方進行升級(步驟S705)。舉例來說，轉帳方可透過如Email、身分證相關資料驗證程序、***/銀行等管道來進行升級。若要求轉帳方的會員等級為白金會員以上級別(步驟S704的是)，接著電子支付系統30接著傳送通知至移 動通訊裝置10的電子支付APP，要求轉帳方輸入欲轉帳的金額，載入付款頁面讓轉帳方輸入轉帳資訊，轉帳方在金額輸入頁面輸入要求轉帳資訊(步驟S706)，如第5E圖所示。其中，要求轉帳資訊可包括以下至少一者：要求轉帳金額、收款明細以及轉帳方與對應之電子支付帳號。金額輸入完畢後，電子支付APP傳送要求轉帳資訊至電子支付系統30進行由電子支付APP將轉帳資訊傳送給電子支付系統30。 When receiving the required transfer data of the mobile communication device 10, the electronic payment system 30 performs identity verification of the requesting transfer party, and determines whether the transfer party is qualified to perform the above transaction. Specifically, the electronic payment system 30 determines whether the transfer requesting party is qualified to perform the above-mentioned transaction by determining whether the membership level of the transfer requesting party is a platinum member or higher (step S704). If the requester's membership level is not above the platinum member level (No in step S704), it means that the requester has not performed or has not passed the real-name authentication, the electronic payment system 30 notifies the requester that his / her membership level is not eligible for the transfer, The electronic payment APP of the mobile communication device 10 is directed to the member upgrade page to allow the transferor to request the upgrade (step S705). For example, the transferor can upgrade through channels such as Email, ID card-related data verification procedures, and credit card / banking. If the member level of the transfer party is required to be a platinum member or higher (Yes in step S704), the electronic payment system 30 then sends a notification to the mobile The electronic payment APP of the mobile communication device 10 requires the transferor to enter the amount to be transferred, loads the payment page and allows the transferor to enter the transfer information, and the transferor enters the transfer information on the amount entry page (step S706), as shown in FIG. 5E . The requested transfer information may include at least one of the following: the requested transfer amount, the details of the receipt, and the transfer party and the corresponding electronic payment account number. After the amount is entered, the electronic payment APP transmits the transfer request information to the electronic payment system 30, and the electronic payment APP transmits the transfer information to the electronic payment system 30.

電子支付系統30接著判斷接收轉帳方的電子支付帳戶是否足夠領取轉帳金額(步驟S707)。若要求轉帳方的電子支付帳戶不夠領取轉帳金額時(步驟S707的否)，電子支付系統30傳送警告提醒訊息，告知要求轉帳方，其電子支付帳戶不夠領取轉帳金額，無法進行要求轉帳(步驟S708)。若要求轉帳方的電子支付帳戶足夠領取轉帳金額時(步驟S707的是)，則電子支付系統30傳送包括要求轉帳資訊的付款請求通知至轉帳方(步驟S710)與需求轉帳方(步驟S709)的電子支付APP，轉帳方的電子支付APP將上述付款請求以一即時訊息顯示於即時通訊介面上，如第8A圖所示，並且轉帳方與需求轉帳方可點選付款請求以跳出要求轉帳明細資訊。其中，此付款請求具有一有效時間(例如3日)，表示此付款請求只在有效時間內有效，逾期便失效。也就是說，若超過有效時間，此付款請求將自動失效。 The electronic payment system 30 then determines whether the electronic payment account of the receiving transfer party is sufficient to receive the transfer amount (step S707). If the electronic payment account of the transferor is not enough to receive the transfer amount (No in step S707), the electronic payment system 30 sends a warning message to inform the transferor that the electronic payment account is not enough to receive the transfer amount and cannot perform the transfer request (step S708) ). If the electronic payment account of the transferor is required to receive the transfer amount (Yes in step S707), the electronic payment system 30 transmits a payment request notification including the information requesting the transfer to the transferor (step S710) and the demander (step S709). Electronic payment app. The electronic payment app of the transferer displays the above payment request as an instant message on the instant messaging interface, as shown in Figure 8A, and the transferor and the demander can click on the payment request to jump out of the transfer details. . Wherein, the payment request has a valid time (for example, 3 days), which means that the payment request is valid only within the valid time, and expires when it expires. This means that if the validity period is exceeded, this payment request will automatically expire.

當轉帳方於有效時間內拒絕此付款請求(步驟S711點選”拒絕”)時，表示轉帳方無法轉帳，電子支付系統30會回傳轉帳失敗的交易結果通知給要求轉帳方的電子支付APP(步驟S719)。要求轉帳方的電子支付APP將上述交易結果以一即時訊息顯示於 即時通訊介面上，如第8B圖所示(步驟S719)。如果轉帳方於有效時間內並未回覆此付款請求，使付款請求超過有效時間，此付款請求將自動失效，電子支付系統30會回傳轉帳逾期的交易結果通知給要求轉帳方的電子支付APP，要求轉帳方的電子支付APP將上述交易結果以一即時訊息顯示於即時通訊介面上，如第8D圖與第8E圖所示。 When the transferer rejects the payment request within the valid time (click "Reject" in step S711), it means that the transferor cannot transfer the money, and the electronic payment system 30 will send back the transaction result of the failed transfer to the electronic payment APP requesting the transferor ( Step S719). Request the transferer's electronic payment APP to display the above transaction results in an instant message on the The instant messaging interface is shown in FIG. 8B (step S719). If the transfer party does not reply to this payment request within the valid time, making the payment request exceed the valid time, the payment request will automatically expire, and the electronic payment system 30 will return the transaction result of the overdue transfer to the electronic payment APP requesting the transfer party, The electronic payment app of the transferor is required to display the above transaction result as an instant message on the instant messaging interface, as shown in FIG. 8D and FIG. 8E.

當轉帳方於有效時間內同意此付款請求(步驟S711點選”轉帳”)時，按下「轉帳」按鈕，移動通訊裝置20的電子支付APP傳送確認交易訊息至電子支付系統30。 When the transfer party agrees to the payment request within the valid time (step S711 clicks "Transfer"), and presses the "Transfer" button, the electronic payment APP of the mobile communication device 20 sends a confirmation transaction message to the electronic payment system 30.

於接收到確認交易訊息之後，電子支付系統30接著進行轉帳方的身分驗證，判斷轉帳方是否具有進行上述交易的資格。具體來說，電子支付系統30判斷轉帳方是否具有進行上述交易的資格係判斷轉帳方的會員等級是否為白金會員以上級別(步驟S712)。若轉帳方的會員等級非為白金會員以上級別(步驟S712的否)，則電子支付系統30傳送訊息通知轉帳方與接收轉帳方轉帳失敗，通知轉帳方會員等級不符資格無法進行轉帳，並可提示轉帳方進行一升級作業程序，將其導至會員升級頁面以允許轉帳方進行升級(步驟S713)。 After receiving the confirmation transaction message, the electronic payment system 30 then performs the identity verification of the transferor to determine whether the transferor is qualified to perform the above transaction. Specifically, the electronic payment system 30 determines whether the transferor is qualified to perform the above-mentioned transaction by determining whether the transferor's membership level is a platinum member or higher (step S712). If the transferer's membership level is not above the platinum member level (No in step S712), the electronic payment system 30 sends a message to notify the transferor and the transferr that the transfer fails, and notifies the transferor that the membership level is not eligible for the transfer, and can prompt The transfer party performs an upgrade operation procedure, which is directed to the member upgrade page to allow the transfer party to perform the upgrade (step S713).

若轉帳方的會員等級為白金會員以上級別(步驟S712的是)，接著電子支付系統30判斷轉帳方的電子支付帳戶的餘額是否足夠(步驟S714)與接收轉帳方的帳戶是否超過轉帳限額，例如轉帳方帳戶餘額是否大於要求轉帳金額且接收轉帳方帳戶是否足夠領取轉帳金額(步驟S716)。 If the transferer's membership level is above Platinum (Yes in step S712), then the electronic payment system 30 determines whether the balance of the electronic payment account of the transferor is sufficient (step S714) and whether the account of the transferor exceeds the transfer limit, for example Whether the balance of the account of the transferor is greater than the required transfer amount and whether the account of the transferor is sufficient to receive the transfer amount (step S716).

若轉帳方與接收轉帳方的電子支付帳戶的餘額足夠 且未超過轉帳限額時(步驟S714、S716的是)，表示轉帳方仍可轉帳給要求轉帳方，電子支付系統30認可交易請求，電子支付系統將錢從轉帳方的使用者對應的第二電子支付帳戶轉帳至要求轉帳方的使用者對應的第一電子支付帳戶並傳送表示交易已完成(例如轉帳成功，已成功扣款)的交易訊息通知給要求轉帳方的電子支付APP(步驟S717)。要求轉帳方的電子支付APP將上述交易結果以一即時訊息顯示於即時通訊介面上，如第8C圖所示，並且接收轉帳方可點選成功轉帳訊息以跳出轉帳明細資訊。反之，若轉帳方的電子支付帳戶的餘額不足夠(步驟S714的否)，表示轉帳方無法轉帳給要求轉帳方，電子支付系統30會回傳轉帳失敗的交易結果通知給接收轉帳方的電子支付APP(步驟S715)。接收轉帳方的電子支付APP將上述交易結果以一即時訊息顯示於即時通訊介面上，如第8B圖所示，並且接收轉帳方可點選轉帳失敗訊息以跳出轉帳明細資訊。若是接收轉帳方的電子支付帳戶超過轉帳限額(步驟S716的否)，電子支付系統30傳送警告提醒訊息，告知轉帳方，其電子支付帳戶不夠領取轉帳金額，無法進行要求轉帳(步驟S718)。 If the balance of the electronic payment account of the transferor and the recipient is sufficient When the transfer limit is not exceeded (Yes in steps S714 and S716), it means that the transfer party can still transfer to the requesting transfer party. The electronic payment system 30 recognizes the transaction request, and the electronic payment system transfers the money from the second electronic corresponding to the user of the transfer party. The payment account is transferred to the first electronic payment account corresponding to the user requesting the transfer party, and a transaction message indicating that the transaction has been completed (for example, the transfer is successful, and the charge has been successfully charged) is notified to the electronic payment APP of the requesting party (step S717). The electronic payment APP of the transfer party is required to display the above transaction result as an instant message on the instant messaging interface, as shown in FIG. 8C, and the receiving transfer party can click the successful transfer message to jump out the transfer details information. Conversely, if the balance of the electronic payment account of the transferor is insufficient (No in step S714), it indicates that the transferor cannot transfer to the requesting transferor, and the electronic payment system 30 will send back the transaction result of the failed transfer to the recipient's electronic payment APP (step S715). The electronic payment APP of the receiving party displays the above transaction result as an instant message on the instant messaging interface, as shown in FIG. 8B, and the receiving party of the transfer can click the transfer failure message to jump out the details of the transfer. If the receiving party's electronic payment account exceeds the transfer limit (No in step S716), the electronic payment system 30 sends a warning reminder message to inform the transferring party that its electronic payment account is not enough to receive the transfer amount and cannot perform a transfer request (step S718).

在一些實施例中，當移動通訊裝置10的使用者欲交易對象並非好友清單中的好友時，本案之電子支付交易方法更提供一非好友轉帳功能，使得移動通訊裝置10的使用者可於聊天畫面中輸入欲交易對象的相關身分與帳號資訊之後，再透過類似於第4A~4C圖所述之電子支付交易方法流程進行轉帳交易或透過類似於第7A~7C圖所述之電子支付交易方法流程進行要求轉帳交易。明確來說，通訊清單為具有相同第三方支付帳戶(如：歐付寶 帳戶)的好友會員清單，非好友指的是不在上述通訊清單中且需具有相同第三方支付帳戶(如：歐付寶帳戶)的其他會員。實際操作上，根據第三方電子支付的相關法規規定，移動通訊裝置10的使用者必須要知道欲交易對象的指定身分(例如：欲交易對象的真實姓名)與帳號資訊(例如：欲交易對象的歐付寶帳號)才可以進行第三方電子支付的相關交易。在此實施例中，當移動通訊裝置10的使用者欲交易對象並非好友清單中的好友時，本案之電子支付交易方法允許使用者透過電子支付APP的即時通訊介面輸入符合第三方電子支付的相關法規規定的必要資訊，例如：欲交易對象的全名及其歐付寶帳號來建立關係，將該欲交易對象的非好友視為暫時好友，之後便可利用類似於第4A~4C圖所述之電子支付交易方法流程進行轉帳交易或利用類似於第7A~7C圖所述之電子支付交易方法流程進行要求轉帳交易。在此實施例中，上述暫時好友的相關資料只會用在當次的交易中，在下次交易時需要重新輸入資料以重新建立關係才能進行交易。在一實施例中，電子支付APP的即時通訊介面可允許使用者將上述暫時好友加入上述通訊清單而變為永久好友，因此下次交易時，使用者便可直接從通訊清單中選擇，無需再次輸入資料。 In some embodiments, when the user of the mobile communication device 10 wants to deal with a person who is not a friend in the friend list, the electronic payment transaction method of this case further provides a non-friend transfer function, so that the user of the mobile communication device 10 can chat with each other. After entering the relevant identity and account information of the object to be traded on the screen, then transfer the transaction through the electronic payment transaction method flow similar to that described in Figures 4A ~ 4C or through the electronic payment transaction method similar to Figures 7A ~ 7C. The process proceeds to require a transfer transaction. Specifically, the mailing list is for accounts with the same third-party payment account (eg, Opel Accounts) list of friends, non-friends refers to other members who are not in the above communication list and need to have the same third-party payment account (such as: Opelpay account). In practice, according to the relevant third-party electronic payment regulations, the user of the mobile communication device 10 must know the designated identity of the person to be traded (for example, the real name of the person to be traded) and account information (for example: Opel account number) can perform third-party electronic payment related transactions. In this embodiment, when the user of the mobile communication device 10 wants to deal with a person who is not a friend in the friend list, the electronic payment transaction method in this case allows the user to input relevant information related to third-party electronic payment through the instant messaging interface of the electronic payment APP. Necessary information required by laws and regulations, such as: the full name of the person to be traded and its Opel Pay account number to establish a relationship, the non-friend of the person to be traded as a temporary friend, and then you can use the electronic The payment transaction method flow performs a transfer transaction or uses an electronic payment transaction method flow similar to that described in Figures 7A to 7C to perform a transfer request transaction. In this embodiment, the related data of the temporary friend will only be used in the current transaction. In the next transaction, the data needs to be re-entered to re-establish the relationship to perform the transaction. In one embodiment, the instant messaging interface of the electronic payment APP allows the user to add the temporary friend to the communication list and become a permanent friend. Therefore, the user can directly select from the communication list in the next transaction without having to re-select Enter information.

於一些實施例中，上述交易更包括一收帳交易且上述電子支付交易方法更包括：透過上述電子支付APP接收一使用者所輸入之一收帳作業資訊，以及經由上述通訊裝置將上述收帳作業資訊傳送至上述電子支付系統以進行上述收帳交易。詳細而言，收帳交易與轉帳交易的差別在於，轉帳交易的交易對象係針對單一個人(亦即：一對一交易模式)進行彼此的第三方支付帳戶 的轉帳作業，而收帳交易的交易對象係針對一收帳群組內的一群人(亦即：一對多交易模式)進行第三方支付帳戶的轉帳作業。上述收帳作業資訊可包括以下至少一者：收帳總金額、收帳模式以及收帳作業接收方的識別資料與對應之電子支付帳號。在一些實施例中，上述收帳交易可至少包括以下收帳模式：一均分收帳模式、一不限金額收帳模式以及一固定金額收帳模式，但本發明並不限於此。 In some embodiments, the above-mentioned transaction further includes an account collection transaction and the above-mentioned electronic payment transaction method further includes: receiving an account collection operation information input by a user through the electronic payment APP, and receiving the account collection through the communication device. The operation information is transmitted to the above-mentioned electronic payment system to carry out the above-mentioned collection transaction. In detail, the difference between a collection transaction and a transfer transaction is that the transaction object of the transfer transaction is a third-party payment account for a single individual (that is, a one-to-one transaction model). The transaction object of the collection transaction is a third-party payment account transfer operation for a group of people in a collection group (that is, a one-to-many transaction mode). The above account collection operation information may include at least one of the following: the total amount of the collection account, the collection mode, the identification information of the recipient of the collection operation, and the corresponding electronic payment account number. In some embodiments, the above-mentioned account collection transaction may include at least the following account collection modes: an equalized account collection mode, an unlimited amount account collection mode, and a fixed amount account collection mode, but the present invention is not limited thereto.

首先，收帳作業發起方(如移動通訊裝置10的使用者)在移動通訊裝置10上點選執行電子支付APP，並輸入密碼通過驗證，進入電子支付APP的即時通訊介面選單以進行收帳交易。明確來說，電子支付APP的即時通訊介面選單可在交易選項中新增一個按鈕”收帳”(未繪示)，以供收帳作業發起方啟動收帳交易作業流程，要求多個收帳作業接收方(如多個移動通訊裝置20的使用者)進行一收帳作業。收帳作業發起方(以下簡稱收帳方)與多個收帳作業接收方(以下簡稱接收收帳方)均擁有相同的第三方電子支付帳戶(如：歐付寶帳戶)。其中，收帳方與接收收帳方可為通訊清單中的多個好友，電子支付APP的即時通訊介面包括上述通訊清單，以供收帳方選擇通訊清單中的多個好友以建立對應一收帳交易作業的收帳群組。收帳作業係以一收帳群組為單位進行轉帳，其中收帳群組可包括多個接收收帳方。 First, the initiator of the collection operation (such as the user of the mobile communication device 10) clicks to execute the electronic payment APP on the mobile communication device 10, and enters the password to pass the verification, and enters the instant messaging interface menu of the electronic payment APP to perform the payment collection transaction. . To be clear, the instant messaging interface menu of the electronic payment APP can add a button "Account Collection" (not shown) to the transaction options for the initiator of the collection operation to start the collection transaction transaction process and require multiple collections. The job receiver (such as users of multiple mobile communication devices 20) performs a collection operation. The initiator of the collection operation (hereinafter referred to as the collection account) and the multiple collection operations receiver (hereinafter referred to as the collection of accounts) have the same third-party electronic payment account (such as an Opel account). Wherein, the payee and the payee can be multiple friends in the communication list, and the instant messaging interface of the electronic payment APP includes the above-mentioned communication list for the payee to select multiple friends in the communication list to establish a corresponding one. Billing group for the ledger transaction operation. The collection operation is to transfer funds in a collection group, where the collection group may include multiple receiving collection parties.

在一些實施例中，當收帳的對象(接收收帳方)並非好友時，電子支付APP更提供一加入機制，可允許收帳方透過例如透過快速回應碼(QR code)或搖一搖加入好友等方式來邀請非好友加入上述”收帳群組”，但本發明並不限於此。任何加入機制均 可適用於本發明。舉例來說，當收帳方想要將非通訊清單中的用戶D加入收帳群組時，收帳方可透過電子支付APP提供的加入機制產生包含關聯於上述收帳群組的一快速回應碼的邀請訊息並將此包含快速回應碼的邀請訊息傳送至用戶D，當用戶D收到此邀請訊息後可掃描其中的快速回應碼便可加入上述收帳群組中。 In some embodiments, when the recipient (the recipient) is not a friend, the electronic payment APP further provides a joining mechanism, which allows the recipient to join through, for example, a QR code or a shake Friends, etc. to invite non-friends to join the aforementioned "account collection group", but the present invention is not limited to this. Any joining mechanism Applicable to the present invention. For example, when the payee wants to add the user D in the non-communication list to the payee group, the payee can use the joining mechanism provided by the electronic payment APP to generate a quick response containing the payee group. And send the invitation message containing the quick response code to user D. After receiving the invitation message, user D can scan the quick response code to join the account collection group.

在一實施例，電子支付APP的主選單也可提供一「收帳」之選項(未繪示)，當使用者點選「收帳」之選項之後，可跳出上述通訊清單或加入機制，以供收帳方選取收帳交易的對應收帳接收方進行後續操作。 In one embodiment, the main menu of the electronic payment APP may also provide an option of "account collection" (not shown). After the user clicks the option of "account collection", the user can jump out of the above communication list or add a mechanism to For the account receiver to select the corresponding account receiver of the account collection transaction for subsequent operations.

建立收帳群組之後，收帳方可接著透過電子支付APP的使用者介面輸入收帳總金額並選取收帳模式。可理解的是，上述建立收帳群組與輸入收帳總金額的操作並不具順序性。在另一些實施例中，電子支付APP的使用者介面也可指示收帳方先輸入收帳總金額之後在建立收帳群組，或者指示收帳方同時輸入收帳總金額以及建立收帳群組等不同的實現方式。 After the collection group is created, the collection party can then enter the total collection amount and select the collection mode through the user interface of the electronic payment APP. It can be understood that the operations of establishing a collection group and entering a total amount of collection are not sequential. In other embodiments, the user interface of the electronic payment APP may also instruct the payee to enter the total charge amount and then create a payee group, or instruct the payee to enter the total charge amount and establish a payee group at the same time. Different implementations such as groups.

當移動通訊裝置10之收帳方發出包括上述收帳作業資訊的收帳交易請求給聊天室中的收帳群組的各接收收帳方時，例如收帳方可透過移動通訊裝置10點選如第5C圖所示畫面中的「+」並以顯示可執行的交易選項，並點選「收帳」(未繪示)之選項，產生類別為收帳交易之一交易請求至電子支付系統30。交易請求可包含移動通訊裝置10的收帳交易作業有關的收帳作業資訊，收帳作業資訊可包括以下至少一者：收帳總金額、收帳模式以及收帳方與接收收帳方的識別資料與對應之電子支付帳號。因此，電子支付系統30可以知道哪些帳戶是與收帳交易有關。 When the account-collector of the mobile communication device 10 sends an account-collection transaction request including the above-mentioned account-collection operation information to each account-receiver in the account-collection group in the chat room, for example, the account-collector can click through the mobile communication device 10 to click As shown in Figure 5C, the "+" on the screen shows executable transaction options, and clicks the "Account Collection" (not shown) option to generate a transaction request that is one of the account collection transactions to the electronic payment system. 30. The transaction request may include account collection operation information related to the account collection transaction operation of the mobile communication device 10, and the account collection operation information may include at least one of the following: the total amount of the collection, the collection mode, and the identification of the collection party and the receiving collection party Information and corresponding electronic payment account. Therefore, the electronic payment system 30 can know which accounts are related to the collection transaction.

接著，移動通訊裝置10上的電子支付APP會將收帳作業資訊傳送至電子支付系統30，由電子支付系統30進行收帳方的身分驗證，判斷收帳方是否具有進行上述收帳交易的資格。於接收到移動通訊裝置10的收帳作業資訊時，電子支付系統30進行收帳方的身分驗證，判斷收帳方是否具有進行上述交易的資格。舉例來說，電子支付系統30判斷收帳方是否具有進行上述交易的資格係判斷要求轉帳方的會員等級是否為白金會員以上的等級。若收帳方的會員等級非為白金會員以上級別，表示收帳方未進行或未通過實名認證，則電子支付系統30通知收帳方其會員等級不符資格無法進行轉帳，並將移動通訊裝置10的電子支付APP導至會員升級頁面以允許收帳方進行升級。舉例來說，收帳方可透過如Email、身分證相關資料驗證程序、***/銀行等管道來進行升級。若收帳方的會員等級已為白金會員以上級別，表示收帳方具有進行收帳交易的資格，接著電子支付系統30接著傳送通知至移動通訊裝置10的電子支付APP，指示收帳方輸入收帳總金額，載入輸入頁面讓收帳方在金額輸入頁面輸入收帳總金額以及收帳模式等收帳作業資訊。其中，收帳作業資訊可包括以下至少一者：收帳總金額、收帳明細以及接收收帳方與對應之電子支付帳號。金額輸入完畢後，電子支付APP傳送收帳作業資訊至電子支付系統30。 Next, the electronic payment APP on the mobile communication device 10 transmits the information of the collection operation to the electronic payment system 30, and the electronic payment system 30 performs the identity verification of the account receiver, and determines whether the account receiver is qualified to perform the above account transaction . When receiving the collection operation information of the mobile communication device 10, the electronic payment system 30 performs identity verification of the collection party, and determines whether the collection party is qualified to perform the transaction. For example, the electronic payment system 30 determines whether the payee is qualified to perform the above-mentioned transaction by determining whether the membership level of the requesting transferee is a platinum member or higher. If the accountee's membership level is not above the Platinum member level, it means that the accountee has not performed or passed the real-name authentication, the electronic payment system 30 notifies the accountee that his membership level is not eligible for transfer, and the mobile communication device 10 The electronic payment app leads to the member upgrade page to allow the payee to upgrade. For example, the payee can upgrade through channels such as Email, ID card-related data verification procedures, and credit card / banking. If the account holder's membership level is above the platinum member level, it means that the account receiver is qualified to perform the transaction, then the electronic payment system 30 then sends a notification to the electronic payment APP of the mobile communication device 10, instructing the account receiver to enter the account. The total amount of the account is loaded into the input page to allow the account receiver to enter the total amount of the account and the account collection operation information on the amount entry page. The account collection operation information may include at least one of the following: the total amount of account collection, the details of account collection, and the receiving party and the corresponding electronic payment account. After the amount is entered, the electronic payment APP sends the information of the collection operation to the electronic payment system 30.

在此實施例中，上述收帳交易可至少包括以下收帳模式：一均分收帳模式、一不限金額收帳模式以及一固定金額收帳模式。其中，收帳群組中每個人需轉帳的金額係取決於選取的收帳模式，不同的收帳模式對應於不同的需轉帳的金額。 In this embodiment, the above-mentioned account collection transaction may include at least the following account collection modes: an equalized account collection mode, an unlimited amount account collection mode, and a fixed amount account collection mode. The amount that each person in the collection group needs to transfer depends on the selected collection mode, and different collection modes correspond to different amounts that need to be transferred.

當選取的收帳模式是”均分收帳模式”時，電子支付APP可自動根據收帳總金額以及收帳群組的人數，計算出收帳群組中每個人需轉帳的金額，收帳方無需指定需轉帳的金額。舉例來說，當選取的收帳模式是”均分收帳模式”且收帳總金額為1000元，若收帳群組的人數為5人，則電子支付APP可自動計算出接收收帳方每個人需轉帳的金額為200元。 When the selected collection mode is "shared collection mode", the electronic payment APP can automatically calculate the amount that each person in the collection group needs to transfer according to the total collection amount and the number of people in the collection group. No need to specify the amount to be transferred. For example, when the selected collection mode is the "shared collection mode" and the total collection amount is 1,000 yuan, if the number of people in the collection group is 5 people, the electronic payment APP can automatically calculate the receiving collection party. The amount that each person needs to transfer is 200 yuan.

當選取的收帳模式是”不限金額收帳模式”時，收帳方無須指定接收收帳方的需轉帳金額，電子支付APP允許接收收帳方自己根據收帳總金額輸入欲轉帳金額，自己決定要轉多少錢給收帳方。舉例來說，當選取的收帳模式是”不限金額收帳模式”且收帳總金額為1000元，若收帳群組包括用戶A、B、C 3人，則用戶A可透過其第三方支付帳戶(如：第一歐付寶帳戶)自行轉帳200元至收帳方，用戶B可透過其第三方支付帳戶(如：第二歐付寶帳戶)自行轉帳500元至收帳方，用戶C可透過其第三方支付帳戶(如：第三歐付寶帳戶)自行轉帳300元至收帳方。 When the selected account collection mode is "unlimited amount account collection mode", the account receiver does not need to specify the amount to be transferred from the account receiver. The electronic payment APP allows the account receiver to enter the amount to be transferred according to the total amount of the account. Decide how much money you want to transfer to the collector. For example, when the selected collection mode is "unlimited collection mode" and the total collection amount is 1,000 yuan, if the collection group includes users A, B, and C, then user A can A three-party payment account (such as: the first Paypal account) can transfer 200 yuan to the receiver, and user B can transfer 500 yuan to the receiver through its third-party payment account (such as the second Paypal account). User C can Its third-party payment account (such as the third Opelpay account) transfers 300 yuan to the payee on its own.

當選取的收帳模式是”固定金額收帳模式”時，收帳方可指定接收收帳方的需轉帳金額，電子支付APP允許收帳方自己根據收帳總金額輸入接收收帳方的需轉帳金額，以向收帳群組收取固定金額的費用(類似報名費的概念)，而收帳群組內各用戶可決定是否要參加收帳作業。若是，就可匯出收帳方所指定的金額。舉例來說，當選取的收帳模式是”固定金額收帳模式”且收帳總金額為1000元，收帳方可透過電子支付APP指定收取每人金額為200元，若收帳群組包括用戶A、B、C、D以及E，則用戶A想參加可選擇同意轉帳以轉帳200元至收帳方，用戶B想參加可選擇同意轉 帳以轉帳200元至收帳方，用戶C、用戶D以及用戶E不想參加可選擇不同意或拒絕轉帳，就不會進行用轉帳。 When the selected collection mode is "Fixed Amount Collection Mode", the account collector can specify to receive the transfer amount of the account collector. The electronic payment APP allows the account collector to enter the demand of the account receiver based on the total amount of the account collection. Transfer the amount to charge a fixed amount of fees to the collection group (similar to the concept of registration fees), and each user in the collection group can decide whether to participate in the collection operation. If so, you can remit the amount specified by the receiver. For example, when the selected collection mode is "Fixed Amount Collection Mode" and the total collection amount is 1,000 yuan, the collection party can specify that each person's amount is 200 yuan through the electronic payment APP. If the collection group includes Users A, B, C, D, and E, then user A wants to participate and can choose to agree to the transfer to transfer 200 yuan to the payee, and user B wants to participate to choose to agree to the transfer The account is transferred by 200 yuan to the payee. User C, user D, and user E do not want to participate and can choose to disagree or reject the transfer, so they will not use the transfer.

電子支付系統30接著判斷收帳方的電子支付帳戶是否足夠領取收帳總金額(例如：是否超過最高額度或指定收款上限等)。若收帳方的電子支付帳戶不夠領取收帳總金額時，電子支付系統30可傳送警告提醒訊息，告知收帳方，其電子支付帳戶不夠領取轉帳金額，無法進行收帳作業。若收帳方的電子支付帳戶足夠領取收帳總金額(例如：未超過最高額度且未超過指定收款上限)時，則電子支付系統30傳送包括收帳作業資訊的付款請求通知至收帳方與每個接收收帳方的電子支付APP，收帳方的電子支付APP將上述付款請求以一即時訊息顯示於即時通訊介面上，並且收帳方與接收收帳方可點選付款請求以跳出收帳明細資訊。其中，此付款請求可包括具有一收帳期限，表示此付款請求只在收帳期限內有效，逾期便失效。也就是說，若超過收帳期限，此付款請求將自動失效。收帳期限可為一預設值或者由收帳方自行決定且收帳期限內收帳方可隨時結束收帳作業。舉例來說，預設收帳期限為七天，或者收帳方可設定較短周期如五天或較長周期如十天等，但本發明並不限於此。在收帳期限到達前，電子支付APP可每隔一段指定時間推播訊息產生收帳通知訊息以通知用戶尚未匯款，以提醒用戶，例如：預設的收帳期限為發起日後七天，在發起日之後會每天透過其電子支付APP或其他方式通知用戶，直到收帳期限期滿或者該用戶完成匯款。 The electronic payment system 30 then judges whether the electronic payment account of the payee is sufficient to collect the total amount of the payout (for example, whether it exceeds the maximum amount or the specified upper limit of payment, etc.). If the electronic payment account of the payee is not enough to collect the total amount of the payment, the electronic payment system 30 may send a warning reminder message to inform the payee that the electronic payment account of the payee is not enough to receive the transfer amount and cannot perform the collection operation. If the payee's electronic payment account is sufficient to collect the total amount of the payout (for example: the maximum amount is not exceeded and the specified collection limit is not exceeded), the electronic payment system 30 sends a payment request notification including the information of the chargeback operation to the payee With each receiving payment electronic payment app, the receiving electronic payment APP displays the payment request as an instant message on the instant messaging interface, and the receiving and receiving accounts can click the payment request to jump out Billing details. Among them, the payment request may include a payment collection period, which means that the payment request is valid only within the collection period and expires when it is overdue. In other words, if the collection period is exceeded, this payment request will automatically expire. The collection period may be a preset value or determined by the collection party itself, and the collection party may end the collection operation at any time during the collection period. For example, the preset collection period is seven days, or the collection party can set a shorter period such as five days or a longer period such as ten days, but the present invention is not limited thereto. Before the payment collection period is reached, the electronic payment APP may broadcast a message at a specified period of time to generate a collection notification message to notify the user that the money has not been remitted, to remind the user, for example: the preset collection period is seven days after the launch date, and on the launch date After that, the user will be notified daily through his electronic payment APP or other methods until the collection period expires or the user completes the remittance.

電子支付系統30可隨後根據所有接收收帳方的轉帳情形回傳一收帳結果給收帳方的電子支付APP。當一接收收帳方A 於收帳期限內拒絕此付款請求(如按下一”拒絕轉帳”按鈕(未繪示))時，表示接收收帳方A無法轉帳或不同意轉帳，其移動通訊裝置20的電子支付APP傳送拒絕交易訊息至電子支付系統30。當另一接收收帳方B於收帳期限內同意此付款請求(例如：按下一「同意轉帳」按鈕(未繪示)，其移動通訊裝置20的電子支付APP傳送同意交易訊息至電子支付系統30。如果其中一接收收帳方C於收款期限內並未回覆此付款請求，使付款請求超過收款期限，此付款請求將自動失效，其移動通訊裝置20的電子支付APP傳送時間結束訊息至電子支付系統30。之後，電子支付系統30可根據所有接收收帳方的回傳訊息產生一收帳結果並回傳上述收帳結果給收帳方的電子支付APP。上述收帳結果可包括：收帳成功、未收齊、無人轉帳、時間結束等等。 The electronic payment system 30 may then return an account collection result to the electronic payment APP of the account receiver according to the transfer situation of all the account receivers. When a receiving account A When the payment request is rejected within the collection period (such as pressing a "reject transfer" button (not shown)), it means that the receiving party A cannot transfer or does not agree to transfer, and the electronic payment APP of its mobile communication device 20 transmits Reject transaction message to electronic payment system 30. When another receiving accountee B agrees to the payment request within the account collection period (for example, by pressing a "confirm transfer" button (not shown)), the electronic payment APP of its mobile communication device 20 sends a consent transaction message to the electronic payment System 30. If one of the receiving accountees C does not reply to this payment request within the collection period, so that the payment request exceeds the collection period, the payment request will automatically expire, and the electronic payment APP transmission time of its mobile communication device 20 ends. The message is sent to the electronic payment system 30. After that, the electronic payment system 30 can generate an account collection result according to all the postback messages received by the account collector and return the above account collection result to the electronic payment APP of the account collector. The above account collection result can be Including: successful collection, uncollected, no one transfer, end of time, etc.

收帳方的電子支付APP可於收到上述收帳結果之後，根據上述收帳結果產生一收帳通知訊息資料並將上述收帳通知訊息資料以一即時訊息顯示於即時通訊介面上。舉例來說，收帳通知訊息資料可至少包括以下資料：收帳結單時間、收帳總金額、收帳結果說明等。 After receiving the account collection result, the electronic payment app of the account collector can generate a collection account notification message data according to the collection result and display the collection account notification message data on the instant messaging interface as an instant message. For example, the data of the account receipt notification message may include at least the following information: the time of the account statement, the total amount of the account, the description of the result of the account, and so on.

在一些實施例中，當收帳模式為”不限金額收帳模式時，電子支付APP可進一步提供”代轉帳”功能，允許收帳群組中的一第一接收收帳方幫其他第二接收收帳方進行匯款。第一接收收帳方可透過其電子支付APP發送一代轉帳請求至電子支付系統30，當電子支付系統30可於收到上述代轉帳請求時，根據上述代轉帳請求的相關代轉帳資訊，包括例如：轉帳帳號以及代替何人轉帳等資訊來進行代轉帳操作。舉例來說，當收帳總金額為1000 元時，若收帳群組有用戶A、B、C 3人，則用戶A可透過其第三方支付帳戶(如：第一歐付寶帳戶)自行轉帳200元至收帳方，並且用戶A可透過其第三方支付帳戶選擇幫用戶B代轉帳500元至收帳方以及透過其第三方支付帳戶選擇幫用戶C代轉帳300元至收帳方。 In some embodiments, when the account collection mode is the "unlimited amount account collection mode," the electronic payment APP may further provide a "debit transfer" function, allowing one first in the account collection group to receive the account and help the other second. Receiving account holders make remittances. The first receiving account holder can send a first-generation transfer request to the electronic payment system 30 through its electronic payment APP. When the electronic payment system 30 can receive the above-mentioned transfer request, according to the above-mentioned transfer request Relevant funds transfer information, including, for example, the account number of the transfer and who is transferring money on behalf of the person to perform the transfer. For example, when the total amount of the account is 1000 If there are 3 users A, B, and C in the account collection group, user A can transfer 200 yuan to the account collector through his third-party payment account (such as the first Opelpay account), and user A can use Its third-party payment account chooses to help user B transfer 500 yuan to the payee on his behalf, and through his third-party payment account chooses to help user C transfer 300 yuan to the payee on his behalf.

因此，依據本發明之電子支付交易方法，藉由選擇不同的收帳模式，可提供多元的收帳交易服務，使用者只需簡單操作便可實現以群組為單位的多人轉帳交易並且可容易地根據即時通訊介面的即時通訊訊息得知交易結果，從而增加使用者操作的便利性。 Therefore, according to the electronic payment transaction method of the present invention, by selecting different payment collection modes, a variety of payment collection transaction services can be provided. Users only need to perform simple operations to realize multi-person transfer transactions in groups. Easily know the transaction results based on the instant messaging information of the instant messaging interface, thereby increasing the convenience of user operations.

本發明雖以各種實施例揭露如上，然而其僅為範例參考而非用以限定本發明的範圍，任何熟習此項技藝者，在不脫離本發明之精神和範圍內，當可做些許的更動與潤飾。因此上述實施例並非用以限定本發明之範圍，本發明之保護範圍當視後附之申請專利範圍所界定者為準。 Although the present invention is disclosed in various embodiments as above, it is only an example reference and is not intended to limit the scope of the present invention. Any person skilled in the art can make some changes without departing from the spirit and scope of the present invention. With retouch. Therefore, the above embodiments are not intended to limit the scope of the present invention, and the protection scope of the present invention shall be determined by the scope of the attached patent application.

Claims (20)

一種移動通訊裝置，包括：一顯示裝置，用以顯示一圖形化使用者介面；一通訊裝置，用以提供網路連線至一電子支付系統；一儲存裝置，用以儲存電腦可讀取之複數指令或程式碼；以及一控制器，耦接至上述通訊裝置及上述儲存裝置，用以從上述儲存裝置載入並執行上述指令或程式碼以執行以下電子支付交易方法：執行一電子支付應用程式並顯示上述電子支付應用程式之一即時通訊介面於上述圖形化使用者介面；透過上述電子支付應用程式之上述即時通訊介面產生一交易請求並透過上述通訊裝置傳送上述交易請求至上述電子支付系統以進行一交易；以及透過上述通訊裝置接收來自上述電子支付系統的相應上述交易之一交易結果並將上述交易結果以一即時訊息顯示於上述即時通訊介面。 A mobile communication device includes: a display device for displaying a graphical user interface; a communication device for providing a network connection to an electronic payment system; and a storage device for storing a computer-readable A plurality of instructions or code; and a controller coupled to the communication device and the storage device, for loading and executing the instruction or code from the storage device to execute the following electronic payment transaction method: executing an electronic payment application The program also displays an instant messaging interface of one of the electronic payment applications on the graphical user interface; generates a transaction request through the instant messaging interface of the electronic payment application and sends the transaction request to the electronic payment system through the communication device. To perform a transaction; and to receive a transaction result corresponding to one of the transactions from the electronic payment system through the communication device and display the transaction result as an instant message on the instant messaging interface. 如申請專利範圍第1項所述之移動通訊裝置，其中上述交易係為一轉帳交易且上述電子支付交易方法更包括：透過上述電子支付應用程式接收一使用者所輸入之一轉帳資訊，以及經由上述通訊裝置將上述轉帳資訊傳送至上述電子支付系統以進行上述轉帳交易。 The mobile communication device according to item 1 of the scope of patent application, wherein the transaction is a transfer transaction and the electronic payment transaction method further includes: receiving one of the transfer information entered by a user through the electronic payment application, and The communication device transmits the transfer information to the electronic payment system to perform the transfer transaction. 如申請專利範圍第2項所述之移動通訊裝置，其中上述轉 帳資訊包括以下至少一者：一轉帳金額、一轉帳明細以及相應上述轉帳交易之一接收轉帳方之識別資訊與電子支付帳號資訊。 The mobile communication device according to item 2 of the scope of patent application, wherein The account information includes at least one of the following: a transfer amount, a transfer detail, and corresponding identification information and electronic payment account information of the receiving transfer party corresponding to one of the above-mentioned transfer transactions. 如申請專利範圍第3項所述之移動通訊裝置，其中上述電子支付應用程式更提供一通訊清單，上述通訊清單包括複數使用者，並且上述接收轉帳方係選自上述通訊清單中之其中一者，以進行上述轉帳交易。 The mobile communication device described in item 3 of the scope of patent application, wherein the electronic payment application further provides a communication list, the communication list includes a plurality of users, and the receiving transfer party is selected from one of the communication lists To make the transfer. 如申請專利範圍第4項所述之移動通訊裝置，其中上述接收轉帳方係為上述通訊清單之上述使用者以外之一第一使用者。 The mobile communication device according to item 4 of the scope of patent application, wherein the receiving and transferring party is a first user other than the above user of the communication list. 如申請專利範圍第1項所述之移動通訊裝置，其中上述交易係為一要求轉帳交易且上述電子支付交易方法更包括：透過上述電子支付應用程式接收一使用者所輸入之一要求轉帳資訊，以及經由上述通訊裝置將上述要求轉帳傳送至上述電子支付系統以進行上述要求轉帳交易。 The mobile communication device according to item 1 of the scope of the patent application, wherein the transaction is a transfer request transaction and the electronic payment transaction method further includes: receiving one of the request transfer information entered by a user through the electronic payment application, And transmitting the requested transfer to the electronic payment system via the communication device to perform the requested transfer transaction. 如申請專利範圍第6項所述之移動通訊裝置，其中上述要求轉帳資訊包括以下至少一者：一要求轉帳金額、一收款明細以及相應上述要求轉帳交易之一轉帳方之識別資訊與電子支付帳號資訊。 The mobile communication device as described in item 6 of the scope of patent application, wherein the above-mentioned transfer request information includes at least one of the following: a requested transfer amount, a receipt details, and identification information and electronic payment of the transfer party corresponding to one of the above requested transfer transactions Account information. 如申請專利範圍第6項所述之移動通訊裝置，其中上述要求轉帳交易具有一有效時間，並且上述要求轉帳交易係於超過上述有效時間後自動失效。 The mobile communication device according to item 6 of the scope of patent application, wherein the above-mentioned required transfer transaction has a valid time, and the above-mentioned required transfer transaction is automatically invalidated after the above-mentioned effective time. 如申請專利範圍第1項所述之移動通訊裝置，其中上述交易係為一收帳交易且上述電子支付交易方法更包括：透過上述電子支付應用程式接收一使用者所輸入之一收帳作業資訊，以及經由上述通訊裝置將上述收帳作業資訊傳送至上述電子支付系統以進行上述收帳交易。 The mobile communication device according to item 1 of the scope of patent application, wherein the above-mentioned transaction is a collection transaction and the above-mentioned electronic payment transaction method further comprises: receiving, through the above-mentioned electronic payment application program, one collection operation information input by a user. , And transmitting the collection operation information to the electronic payment system through the communication device to perform the collection transaction. 如申請專利範圍第9項所述之移動通訊裝置，其中上述收帳交易包括以下收帳模式：一均分收帳模式、一不限金額收帳模式以及一固定金額收帳模式。 The mobile communication device as described in item 9 of the scope of patent application, wherein the above-mentioned account collection transaction includes the following account collection mode: an evenly distributed account collection mode, an unlimited amount account collection mode, and a fixed amount account collection mode. 一種電子支付交易方法，適用於一交易之一使用者所提供之一移動通訊裝置，包括：執行一電子支付應用程式並顯示上述電子支付應用程式之一即時通訊介面於一圖形化使用者介面；透過上述電子支付應用程式之上述即時通訊介面產生一交易請求並透過一通訊裝置傳送上述交易請求至一電子支付系統以進行一交易；以及透過上述通訊裝置接收來自上述電子支付系統的相應上述交易之一交易結果並將上述交易結果以一即時訊息顯示於上述即時通訊介面。 An electronic payment transaction method applicable to a mobile communication device provided by a user of a transaction includes: executing an electronic payment application and displaying an instant messaging interface of the electronic payment application on a graphical user interface; Generating a transaction request through the instant messaging interface of the electronic payment application and transmitting the transaction request to an electronic payment system to conduct a transaction through a communication device; and receiving the corresponding transaction from the electronic payment system through the communication device. A transaction result is displayed on the instant messaging interface as an instant message. 如申請專利範圍第11項所述之電子支付交易方法，其中上述交易係為一轉帳交易且上述電子支付交易方法更包括：透過上述電子支付應用程式接收一使用者所輸入之一轉帳資訊，以及經由上述通訊裝置將上述轉帳資訊傳送至上述 電子支付系統以進行上述轉帳交易。 The electronic payment transaction method according to item 11 of the scope of patent application, wherein the above-mentioned transaction is a transfer transaction and the above-mentioned electronic payment transaction method further comprises: receiving one of the transfer information entered by a user through the above-mentioned electronic payment application program, and Send the above transfer information to the above via the communication device Electronic payment system to perform the above-mentioned transfer transaction. 如申請專利範圍第12項所述之電子支付交易方法，其中上述轉帳資訊包括以下至少一者：一轉帳金額、一轉帳明細以及相應上述轉帳交易之一接收轉帳方之識別資訊與電子支付帳號資訊。 The electronic payment transaction method according to item 12 of the scope of patent application, wherein the above-mentioned transfer information includes at least one of the following: a transfer amount, a transfer details, and corresponding one of the above-mentioned transfer transactions. The receiving party's identification information and electronic payment account information . 如申請專利範圍第13項所述之電子支付交易方法，其中上述電子支付應用程式更提供一通訊清單，上述通訊清單包括複數使用者，並且上述接收轉帳方係選自上述通訊清單中之其中一者，以進行上述轉帳交易。 The electronic payment transaction method according to item 13 of the scope of patent application, wherein the electronic payment application program further provides a communication list, the communication list includes a plurality of users, and the receiving transfer party is selected from one of the communication lists. To carry out the above-mentioned transfer transaction. 如申請專利範圍第14項所述之電子支付交易方法，其中上述接收轉帳方係為上述通訊清單之上述使用者以外之一第一使用者。 The electronic payment transaction method according to item 14 of the scope of patent application, wherein the receiving and transferring party is a first user other than the above user in the communication list. 如申請專利範圍第11項所述之電子支付交易方法，其中上述交易係為一要求轉帳交易且上述電子支付交易方法更包括：透過上述電子支付應用程式接收一使用者所輸入之一要求轉帳資訊，以及經由上述通訊裝置將上述要求轉帳傳送至上述電子支付系統以進行上述要求轉帳交易。 The electronic payment transaction method according to item 11 of the scope of patent application, wherein the above-mentioned transaction is a transaction requiring a transfer and the above-mentioned electronic payment transaction method further comprises: receiving one of the information requested by a user through the electronic payment application , And transmitting the requested transfer to the electronic payment system via the communication device to perform the requested transfer transaction. 如申請專利範圍第16項所述之電子支付交易方法，其中上述要求轉帳資訊包括以下至少一者：一要求轉帳金額、一收款明細以及相應上述要求轉帳交易之一轉帳方之識別資訊與電子支付帳號資訊。 The electronic payment transaction method according to item 16 of the scope of patent application, wherein the above-mentioned transfer request information includes at least one of the following: a requested transfer amount, a receipt details, and the identification information and electronic information of the transfer party corresponding to one of the above requested transfer transactions Payment account information. 如申請專利範圍第16項所述之電子支付交易方法，其中上 述要求轉帳交易具有一有效時間，並且上述要求轉帳交易係於超過上述有效時間後自動失效。 The electronic payment transaction method described in item 16 of the scope of patent application, in which The above-mentioned required transfer transaction has a valid time, and the above-mentioned required transfer transaction automatically expires after the above-mentioned effective time. 如申請專利範圍第11項所述之電子支付交易方法，其中上述交易係為一收帳交易且上述電子支付交易方法更包括：透過上述電子支付應用程式接收一使用者所輸入之一收帳作業資訊，以及經由上述通訊裝置將上述收帳作業資訊傳送至上述電子支付系統以進行上述收帳交易。 The electronic payment transaction method according to item 11 of the scope of patent application, wherein the above-mentioned transaction is an account collection transaction and the above-mentioned electronic payment transaction method further includes: receiving an account collection operation input by a user through the above-mentioned electronic payment application program. Information, and transmitting the collection operation information to the electronic payment system through the communication device to perform the collection transaction. 如申請專利範圍第19項所述之電子支付交易方法，其中上述收帳交易包括以下收帳模式：一均分收帳模式、一不限金額收帳模式以及一固定金額收帳模式。 The electronic payment transaction method as described in item 19 of the scope of patent application, wherein the above-mentioned account collection transaction includes the following account collection modes: an evenly distributed account collection mode, an unlimited amount account collection mode, and a fixed amount account collection mode.
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Publication number Priority date Publication date Assignee Title
TWI804763B (en) * 2020-10-22 2023-06-11 楊蕙如 Transaction method and system suitable for messaging or social platform

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI804763B (en) * 2020-10-22 2023-06-11 楊蕙如 Transaction method and system suitable for messaging or social platform

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