TWI674542B - Mobile payment transaction system and data processing method thereof without transaction winding operation - Google Patents
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Abstract
本發明係一種無需交易繞送作業的行動支付交易系統及其資料處理方法，係令一行動裝置、一支付工具整合平台伺服器、一代理支付伺服器與網路連結並交換資料，使用者持該行動裝置擷取一商店圖碼以開啟一內建的瀏覽器，並通知該支付工具整合平台伺服器，若檢核到該商店圖碼則回應一交易憑證資訊；該行動裝置的瀏覽器根據該交易憑證資訊開啟一已安裝的電子錢包，並發送一QR Code授權交易資訊至該代理支付伺服器進行付款交易，該代理支付伺服器根據該QR Code授權交易資訊將交易結果回傳至該行動裝置並即時顯示，無需繞送收單、發卡銀行，藉此提升方便性及交易效率。The invention relates to a mobile payment transaction system and a data processing method that do not require a transaction bypass operation. The mobile payment device integrates a mobile device, a payment tool integration platform server, and a proxy payment server with a network to exchange data. The mobile device retrieves a store icon to open a built-in browser, and notifies the payment tool integration platform server, and if the store icon is checked, it responds with a transaction certificate information; the browser of the mobile device is based on The transaction voucher information opens an installed e-wallet, and sends a QR Code authorized transaction information to the agent payment server for payment transactions. The agent payment server sends the transaction result back to the action according to the QR Code authorized transaction information. The device is displayed in real time, and there is no need to bypass the acquiring and card issuing banks, thereby improving convenience and transaction efficiency.
Description
本發明係關於一種行動支付交易系統及方法，尤指一種無需交易繞送作業的行動支付交易系統及其資料處理方法。The present invention relates to a mobile payment transaction system and method, and more particularly to a mobile payment transaction system and a data processing method thereof that do not require a transaction winding operation.
科技日新月異，隨著網路、智慧型手機、行動支付等應用的結合，於國內以電子錢包之卡片交易的方式趨近複雜，舉例而言，若要讓使用者能夠至一店家進行行動支付消費，該店家本身必須要先自行與一收單銀行建立關係而成為一特約商店，才能夠讓使用者在付款時將交易訊息送至該收單銀行，而利用該收單銀行進行交易繞送作業，才能夠透過一財金網路系統與一發卡銀行交互地進行授權驗證，對一般店家而言，建立上述機制而成為特約商店的過程有諸多不便，而且若該店家欲轉換與另一收單銀行建立關係，手續麻煩而沒有效率，再者，對於小店家而言，並沒有其他選擇，只能配合銀行單位，等於受制於銀行單位，亦不利於商業發展。With the rapid development of technology, with the combination of applications such as the Internet, smart phones, and mobile payments, the use of electronic wallet card transactions in China has become more complicated. For example, to allow users to go to a store for mobile payment consumption , The store itself must first establish a relationship with an acquirer bank and become a special shop, so that users can send transaction information to the acquirer bank when making payment, and use the acquirer bank for transaction bypass operations. To be able to perform authorization verification interactively with a card-issuing bank through a Caijin network system. For ordinary stores, the process of establishing the above mechanism to become a special store has many inconveniences, and if the store wants to switch to another acquiring bank Establishing relationships is cumbersome and inefficient. Furthermore, for small shops, there is no other choice but to cooperate with bank units, which is tantamount to being restricted by bank units and not conducive to commercial development.
由上述現有技術可知，一般店家若沒有交易繞送作業則無法提供使用者行動支付消費的服務，然而該店家又必須受制於銀行單位，才能夠進行交易繞送作業以完成商業需求，對一般店家而言，建立上述成為特約商店之過程確實有諸多不便，而且受制於銀行單位不利於商業發展，因此，現有技術中對於一般店家而言，確實有待提出更佳解決方案的必要性。It can be known from the above-mentioned prior art that if a general store does not have a transaction bypass operation, it cannot provide users with mobile payment and consumption services. However, the store must be subject to a bank unit in order to perform transaction bypass operations to complete business requirements. In terms of establishing the above-mentioned process of becoming a special store, there are indeed many inconveniences, and subject to the bank unit is not conducive to commercial development. Therefore, for the general store in the prior art, it is really necessary to propose a better solution.
有鑑於上述現有技術之不足，本發明的主要目的在於提供一種無需交易繞送作業的行動支付交易系統及其資料處理方法，利用行動裝置及網路系統簡化交易流程，讓一般店家的行動支付交易無需再繞送收單銀行、財金網路系統、發卡銀行，藉此提升方便性及交易效率。In view of the above-mentioned shortcomings of the prior art, the main object of the present invention is to provide a mobile payment transaction system and a data processing method that do not require a transaction winding operation. The mobile device and the network system are used to simplify the transaction process and allow mobile payment transactions for general stores There is no need to bypass the acquiring bank, the financial and financial network system, and the card issuing bank to improve convenience and transaction efficiency.
為達成上述目的所採取的主要技術手段係令前述無需交易繞送作業的行動支付交易系統的資料處理方法，係由一使用者的行動裝置、一平台業者的支付工具整合平台伺服器、一代理支付伺服器與網路連結並交換資料，該方法包括以下步驟： 以該行動裝置內建的一瀏覽器產生並發送一付款通知至該支付工具整合平台伺服器，並由該支付工具整合平台伺服器回傳一交易憑證資訊； 由該行動裝置的瀏覽器根據該交易憑證資訊開啟一已安裝的電子錢包；以及 由該行動裝置的電子錢包產生並發送一QR Code授權交易資訊至該代理支付伺服器，由該代理支付伺服器產生一交易回應結果，並將該交易回應結果回傳至該行動裝置。The main technical measures adopted in order to achieve the above purpose are the data processing methods of the aforementioned mobile payment transaction system that do not require a transaction bypass operation, which are composed of a user's mobile device, a platform operator's payment tool integration platform server, and an agent. The payment server is connected to the network and exchanges data. The method includes the following steps: A browser built in the mobile device generates and sends a payment notification to the payment tool integration platform server, and the payment tool integration platform server The browser returns a transaction certificate information; the browser of the mobile device opens an installed electronic wallet according to the transaction certificate information; and the mobile device's electronic wallet generates and sends a QR Code authorized transaction information to the agent payment server The proxy payment server generates a transaction response result and returns the transaction response result to the mobile device.
依上述步驟，使用者在店家透過該行動裝置掃描一圖碼後啟動該瀏覽器以進行行動支付服務，該行動裝置的瀏覽器發送該付款通知至該支付工具整合平台伺服器，並取得該交易憑證資訊，該行動裝置的瀏覽器根據該交易憑證資訊開啟該電子錢包，再於該電子錢包發送該QR Code授權交易資訊至該代理支付伺服器，並取得該交易回應結果，以即時顯示在該行動裝置上，供使用者、店家確認，藉此讓一般店家提供使用者行動支付消費服務無需繞送收單銀行、財金網路系統、發卡銀行，達到提升方便性及交易效率的目的。According to the above steps, the user launches the browser to perform mobile payment service after the shop scans a picture code through the mobile device, and the browser of the mobile device sends the payment notification to the payment tool integration platform server and obtains the transaction Voucher information, the browser of the mobile device opens the e-wallet according to the transaction voucher information, and then sends the QR Code authorized transaction information to the proxy payment server in the e-wallet, and obtains the transaction response result for instant display on the On mobile devices, for users and stores to confirm. This allows ordinary stores to provide users with mobile payment and consumption services without bypassing the acquiring bank, the financial and financial network system, and the card-issuing bank, in order to improve convenience and transaction efficiency.
為達成上述目的所採取的又一主要技術手段係令前述無需交易繞送作業的行動支付交易系統包括： 一設於店家的商店圖碼，係由一平台業者提供； 一平台業者的支付工具整合平台伺服器，係與網路連結； 一代理支付伺服器，係與透過網路與該支付工具整合平台伺服器連結； 一使用者的行動裝置，具有一內建的瀏覽器、一已安裝的電子錢包，該瀏覽器與該電子錢包連結，並且該瀏覽器、該電子錢包分別透過網路與該支付工具整合平台伺服器、該代理支付伺服器連結；其中， 由該行動裝置擷取該商店圖碼，並根據該商店圖碼啟動該瀏覽器，由該瀏覽器產生並發送一付款通知至該支付工具整合平台伺服器，該支付工具整合平台伺服器根據該付款通知回應一交易憑證資訊；該行動裝置的瀏覽器根據收到該交易憑證資訊以開啟該電子錢包；再由該行動裝置的電子錢包產生並發送一QR Code授權交易資訊至該代理支付伺服器，該代理支付伺服器根據該QR Code授權交易資訊產生一交易回應結果，並將該交易回應結果回傳至該行動裝置，以即時顯示在該行動裝置上。Another major technical means adopted to achieve the above-mentioned purpose is to make the aforementioned mobile payment transaction system without transaction winding operation include: a shop code located in a store, provided by a platform operator; a platform operator's payment instrument integration The platform server is connected to the network; an agent payment server is connected to the platform server integrated with the payment tool through the network; a user's mobile device has a built-in browser, an installed An electronic wallet, the browser is connected with the electronic wallet, and the browser and the electronic wallet are respectively connected with the payment tool integration platform server and the proxy payment server through the network; wherein the mobile device retrieves the store Figure code, and launch the browser according to the store code, the browser generates and sends a payment notification to the payment tool integration platform server, and the payment tool integration platform server responds with a transaction certificate information according to the payment notification; The browser of the mobile device opens the e-wallet based on the receipt of the transaction voucher information; The e-wallet generates and sends a QR Code authorized transaction information to the proxy payment server. The proxy payment server generates a transaction response result according to the QR Code authorized transaction information, and returns the transaction response result to the mobile device. In real time on the mobile device.
依上述構造，本發明係先提供設於店家的商店圖碼，使用者在店家持該行動裝置對該商店圖碼進行掃描，以擷取該商店圖碼，並根據該商店圖碼啟動該瀏覽器以進行行動支付服務，該行動裝置的瀏覽器發送該付款通知至該支付工具整合平台伺服器，並取得該交易憑證資訊，該行動裝置的瀏覽器根據該交易憑證資訊開啟該電子錢包，再由該行動裝置的電子錢包發送該QR Code授權交易資訊至該代理支付伺服器，並取得該交易回應結果，並將該交易回應結果回傳至該行動裝置顯示，即時供使用者、店家確認，藉此讓一般店家提供使用者行動支付消費服務無需繞送收單銀行、財金網路系統、發卡銀行，達到提升方便性及交易效率的目的。According to the above structure, the present invention first provides a shop icon set at a store, and a user holds the mobile device at the shop to scan the shop icon to retrieve the shop icon and start the browsing according to the shop icon The mobile device's browser sends the payment notification to the payment tool integration platform server and obtains the transaction voucher information. The mobile device's browser opens the electronic wallet based on the transaction voucher information, and then The mobile device's electronic wallet sends the QR Code authorized transaction information to the agent payment server, and obtains the transaction response result, and returns the transaction response result to the mobile device display for immediate confirmation by the user and the store. This allows ordinary stores to provide users with mobile payment and consumption services without bypassing the acquiring bank, the financial and financial network system, and the card issuing bank, thereby achieving the purpose of improving convenience and transaction efficiency.
關於本發明無需交易繞送作業的行動支付交易系統之較佳實施例，請參閱圖1所示，其中包括一商店圖碼10、一使用者的行動裝置20、一支付工具整合平台伺服器30及一代理支付伺服器40，該行動裝置20、該支付工具整合平台伺服器30、該代理支付伺服器40係與網路連結；於本較佳實施例中該商店圖碼10係包括一QR Code，並設置於一店家，並且該商店圖碼10係由一平台業者所提供，該支付工具整合平台伺服器30亦由該平台業者提供，且該支付工具整合平台伺服器30透過網路與該代理支付伺服器40連結。For a preferred embodiment of the mobile payment transaction system of the present invention that does not require a transaction winding operation, please refer to FIG. 1, which includes a shop figure 10, a user's mobile device 20, and a payment tool integration platform server 30. And an agent payment server 40, the mobile device 20, the payment tool integration platform server 30, and the agent payment server 40 are connected to the Internet; in the preferred embodiment, the shop figure 10 includes a QR Code is set in a store, and the store's picture code 10 is provided by a platform operator. The payment tool integration platform server 30 is also provided by the platform operator, and the payment tool integration platform server 30 communicates with the Internet through the network. The proxy payment server 40 is connected.
該行動裝置20具有一內建的瀏覽器21、一已安裝的電子錢包22，該瀏覽器21與該電子錢包22連結，並且該瀏覽器21透過網路與該支付工具整合平台伺服器30連結，該電子錢包22透過網路與該代理支付伺服器40連結；於本較佳實施例中該行動裝置20包括一智慧型手機、一平板電腦或一筆記型電腦。The mobile device 20 has a built-in browser 21 and an installed electronic wallet 22, the browser 21 is connected to the electronic wallet 22, and the browser 21 is connected to the payment tool integration platform server 30 through a network The electronic wallet 22 is connected to the proxy payment server 40 through a network. In the preferred embodiment, the mobile device 20 includes a smart phone, a tablet computer, or a notebook computer.
如圖1所示，當使用者持該行動裝置20進入該店家進行消費，當使用者欲採行動支付交易服務時，使用者僅需將該行動裝置20對該商店圖碼進行掃描，以擷取該商店圖碼，並由該行動裝置20對該商店圖碼進行解析以取得一網頁位址資訊，根據解析該商店圖碼所產生的該網頁位址資訊開啟該瀏覽器21，於本較佳實施例中該網頁位址資訊包括一統一資源定位符（Uniform Resource Locator, URL）。As shown in FIG. 1, when the user enters the store with the mobile device 20 for consumption, when the user wants to use the mobile payment transaction service, the user only needs to scan the mobile device 20 to the store icon to retrieve Take the store image code, and the mobile device 20 parses the store image code to obtain a webpage address information. Based on the webpage address information generated by parsing the store image code, the browser 21 is opened. In a preferred embodiment, the webpage address information includes a Uniform Resource Locator (URL).
當該行動裝置20啟動其瀏覽器21，並於該瀏覽器21上進行操作，於操作完畢，則由該瀏覽器21產生並發送一付款通知至該支付工具整合平台伺服器30；該支付工具整合平台伺服器30根據收到該付款通知，而回應或回傳一交易憑證資訊至該行動裝置20，藉此完成該行動裝置20與該支付工具整合平台伺服器30之間的（1）通知、檢核過程。When the mobile device 20 starts its browser 21 and performs operations on the browser 21, after the operation is completed, the browser 21 generates and sends a payment notification to the payment tool integration platform server 30; the payment tool The integration platform server 30 responds or returns a transaction voucher information to the mobile device 20 according to receiving the payment notification, thereby completing (1) notification between the mobile device 20 and the payment tool integration platform server 30 2. Inspection process.
接著，當該行動裝置20的瀏覽器21收到該交易憑證資訊，則該瀏覽器21透過一通訊協定以開啟該電子錢包22，以進行付款交易，於本較佳實施例中該瀏覽器21可由一網頁瀏覽器（Web Browser）所構成，該電子錢包22可由一應用程式（Application Program, APP）所構成，該通訊協定包括一統一資源定位符（Uniform Resource Locator, URL）協定（URL協定）。Then, when the browser 21 of the mobile device 20 receives the transaction voucher information, the browser 21 opens the electronic wallet 22 through a communication protocol to perform a payment transaction. In the preferred embodiment, the browser 21 The e-wallet 22 may be composed of an application program (APP), and the communication protocol includes a Uniform Resource Locator (URL) protocol (URL protocol). .
當該行動裝置20已開啟該電子錢包22，並由使用者確認交易內容無誤，例如輸入一確認訊息，則由該行動裝置20的電子錢包22產生並發送一QR Code授權交易資訊至該代理支付伺服器40，再由該代理支付伺服器40根據該收到QR Code授權交易資訊，產生一交易回應結果，藉此完成該行動裝置20與該代理支付伺服器40之間的（2）付款交易過程。When the mobile device 20 has opened the electronic wallet 22 and the user confirms that the transaction content is correct, such as entering a confirmation message, the electronic wallet 22 of the mobile device 20 generates and sends a QR Code authorized transaction information to the agent for payment The server 40, and the proxy payment server 40 generates a transaction response result according to the received QR Code authorized transaction information, thereby completing the (2) payment transaction between the mobile device 20 and the proxy payment server 40 process.
最後，該代理支付伺服器40將該交易回應結果回傳至該行動裝置20，可以將交易回應結果的內容即時顯示在該行動裝置20上，供使用者、店家確認；藉此讓一般店家提供使用者行動支付消費服務無需繞送收單銀行、財金網路系統、發卡銀行。Finally, the agent payment server 40 returns the transaction response result to the mobile device 20, and the content of the transaction response result can be displayed on the mobile device 20 for confirmation by the user and the store; Users' mobile payment and consumption services do not need to bypass the acquiring bank, the financial network system, and the card issuing bank.
為說明本較佳實施例的具體應用方式，請參考圖2所示，當該行動裝置20對該商店圖碼10進行掃碼後，該瀏覽器21直接被開啟，並於該瀏覽器21中提供一支付工具選擇頁面211，該支付工具選擇頁面211中具有該平台業者所預設的多數支付工具資訊，供使用者操作、選擇，當使用者確認選擇其中一支付工具資訊，則該瀏覽器21係進一步提供一消費金額輸入頁面212，該消費金額輸入頁面212可供使用者輸入一交易金額，並於該消費金額輸入頁面212上顯示該支付工具資訊。In order to explain the specific application manner of the preferred embodiment, please refer to FIG. 2. When the mobile device 20 scans the store image code 10, the browser 21 is directly opened and stored in the browser 21. Provide a payment instrument selection page 211. The payment instrument selection page 211 has most of the payment instrument information preset by the platform operator for the user to operate and select. When the user confirms the selection of one of the payment instrument information, the browser The 21 series further provides a consumption amount input page 212. The consumption amount input page 212 is used for a user to input a transaction amount, and the payment instrument information is displayed on the consumption amount input page 212.
當使用者於該瀏覽器21確認輸入的該交易金額以及對應的該支付工具資訊，則產生該付款通知，並發送該付款通知至該支付工具整合平台伺服器30，該支付工具整合平台伺服器30可根據該付款通知建立一訂單資訊，並產生一訂單編號、一QR Code付款資料，再將該訂單編號及對應的該QR Code付款資料發送至該代理支付伺服器40，再由該代理支付伺服器40建立一QR Code交易資訊，當該代理支付伺服器40建立該QR Code交易資訊，該代理支付伺服器40係即時產生一驗證資訊，並將該驗證資訊回傳至該支付工具整合平台伺服器30，當該支付工具整合平台伺服器30收到該驗證資訊，即產生該交易憑證資訊，並將該交易憑證資訊發送至該行動裝置20的瀏覽器21，該瀏覽器21取得該交易憑證資訊後，再由該瀏覽器21透過該通訊協定開啟該電子錢包22。When the user confirms the transaction amount and the corresponding payment instrument information entered in the browser 21, the payment notification is generated, and the payment notification is sent to the payment instrument integration platform server 30, which is the payment instrument integration platform server 30 can create an order information according to the payment notification, and generate an order number and a QR Code payment information, and then send the order number and the corresponding QR Code payment information to the agent payment server 40, and then the agent pays The server 40 establishes a QR Code transaction information. When the proxy payment server 40 establishes the QR Code transaction information, the proxy payment server 40 generates a verification information in real time and returns the verification information to the payment tool integration platform. Server 30. When the payment tool integration platform server 30 receives the verification information, it generates the transaction voucher information and sends the transaction voucher information to the browser 21 of the mobile device 20. The browser 21 obtains the transaction After the certificate information, the browser 21 opens the electronic wallet 22 through the communication protocol.
當該電子錢包22被開啟，如圖3所示，由該電子錢包22提供一確認頁面221，該確認頁面221顯示有多數授權資訊，當使用者確認後，該電子錢包22根據多數授權資訊產生該QR Code授權交易資訊，並將該QR Code授權交易資訊發送至該代理支付伺服器40，再由該代理支付伺服器40根據該收到QR Code授權交易資訊產生該交易回應結果，並將該交易回應結果回傳至該行動裝置20。When the electronic wallet 22 is opened, as shown in FIG. 3, a confirmation page 221 is provided by the electronic wallet 22, and the confirmation page 221 displays most authorization information. After the user confirms, the electronic wallet 22 is generated according to the majority authorization information. The QR Code authorizes the transaction information, and sends the QR Code authorized transaction information to the proxy payment server 40. The proxy payment server 40 generates the transaction response result according to the received QR Code authorized transaction information, and sends the transaction response result. The transaction response result is returned to the mobile device 20.
於本較佳實施例中，該行動裝置20的電子錢包22係可進一步將該交易憑證資訊、及該QR Code授權交易資訊發送至該代理支付伺服器40，再由該代理支付伺服器40根據收到該交易憑證資訊、及該QR Code授權交易資訊，產生並回傳該交易回應結果至該行動裝置20的電子錢包22，於本較佳實施例中該電子錢包22進一步提供一第一結果頁面222，並透過該第一結果頁面222顯示該交易回應結果的內容；於本較佳實施例中該交易回應結果包括一QR Code的付款資料以及一第一交易回應結果。In the preferred embodiment, the electronic wallet 22 of the mobile device 20 may further send the transaction voucher information and the QR Code authorized transaction information to the proxy payment server 40, and the proxy payment server 40 may Upon receipt of the transaction voucher information and the QR Code authorized transaction information, the transaction response result is generated and returned to the electronic wallet 22 of the mobile device 20. In the preferred embodiment, the electronic wallet 22 further provides a first result Page 222, and the content of the transaction response result is displayed through the first result page 222; in the preferred embodiment, the transaction response result includes payment information of a QR Code and a first transaction response result.
於本較佳實施例中，該代理支付伺服器40可進一步將該交易回應結果傳送至該支付工具整合平台伺服器30，再透過該支付工具整合平台伺服器30將另一交易回應結果傳送給該瀏覽器21；並且於本較佳實施例中，當上述該代理支付伺服器40進一步收到該交易憑證資訊以及該QR Code授權交易資訊，則發送前述的該訂單編號及該另一交易回應結果至該支付工具整合平台伺服器30，當該支付工具整合平台伺服器30收到該訂單編號及該另一交易回應結果，則即時儲存該訂單編號、該另一交易回應結果，並發送一第二交易回應結果至該行動裝置20的瀏覽器21，如圖4所示，該行動裝置20的瀏覽器21根據收到該第二交易回應結果而進一步提供一第二結果頁面213，並透過該第二結果頁面213顯示該第二交易回應結果的內容。In this preferred embodiment, the proxy payment server 40 may further transmit the transaction response result to the payment instrument integration platform server 30, and then transmit another transaction response result to the payment instrument integration platform server 30. The browser 21; and in the preferred embodiment, when the above-mentioned proxy payment server 40 further receives the transaction voucher information and the QR Code authorized transaction information, the aforementioned order number and the other transaction response are sent The result is to the payment instrument integration platform server 30. When the payment instrument integration platform server 30 receives the order number and the other transaction response result, it stores the order number and the other transaction response result in real time, and sends a The second transaction response result is sent to the browser 21 of the mobile device 20. As shown in FIG. 4, the browser 21 of the mobile device 20 further provides a second result page 213 according to the second transaction response result received, The second result page 213 displays the content of the second transaction response result.
根據本發明上述的較佳實施例及具體應用方式可歸納出一無需交易繞送作業的行動支付交易系統的資料處理方法，係由該使用者的行動裝置20、該平台業者的支付工具整合平台伺服器30、該代理支付伺服器40與網路連結並交換資料，請參考圖5所示，該方法包括以下步驟： 以該行動裝置20透過內建的一瀏覽器21產生並發送一付款通知至該支付工具整合平台伺服器30，並由該支付工具整合平台伺服器30回傳一交易憑證資訊（S51）； 由該行動裝置20的瀏覽器21根據該交易憑證資訊開啟一已安裝的電子錢包22，以進行付款交易（S52）；以及 由該行動裝置20的電子錢包22產生並發送一QR Code授權交易資訊至該代理支付伺服器40，由該代理支付伺服器40產生一交易回應結果，並將該交易回應結果回傳至該行動裝置20（S53）。According to the above-mentioned preferred embodiments of the present invention and specific application methods, a data processing method for a mobile payment transaction system that does not require a transaction winding operation can be summarized. The user's mobile device 20 and the platform operator's payment tool integration platform The server 30 and the proxy payment server 40 are connected to the network and exchange data. Please refer to FIG. 5. The method includes the following steps: The mobile device 20 generates and sends a payment notification through a built-in browser 21 To the payment tool integration platform server 30, and a payment certificate information is returned by the payment tool integration platform server 30 (S51); the browser 21 of the mobile device 20 opens an installed electronic device based on the transaction certificate information The wallet 22 to perform payment transactions (S52); and the electronic wallet 22 of the mobile device 20 generates and sends a QR Code authorized transaction information to the agent payment server 40, and the agent payment server 40 generates a transaction response result And return the transaction response result to the mobile device 20 (S53).
進一步於本較佳實施例中，當上述步驟執行至「以該行動裝置20透過內建的一瀏覽器21產生並發送一付款通知至該支付工具整合平台伺服器30，並由該支付工具整合平台伺服器30回傳一交易憑證資訊（S51）」之步驟，如圖6所示，該方法更包括以下子步驟： 由該行動裝置20掃描一商店圖碼10的QR Code，以開啟該瀏覽器21，並供選擇一支付工具資訊、以及輸入一交易金額（S511）；以及 當該行動裝置20的瀏覽器21根據該支付工具資訊、該交易金額產生並發送該付款通知至該支付工具整合平台伺服器30（S512）； 則該支付工具整合平台伺服器30根據該付款通知，建立一訂單資訊，並產生及發送一訂單編號、一QR Code付款資料至該代理支付伺服器40（S513），再由該代理支付伺服器40建立一QR Code交易資訊（S514）； 當該代理支付伺服器40建立該QR Code交易資訊，該代理支付伺服器40係產生並回傳一驗證資訊至該支付工具整合平台伺服器30（S515），則該支付工具整合平台伺服器30根據收到該驗證資訊，產生並發送該交易憑證資訊至該行動裝置20的瀏覽器21（S516）；以及 接續執行前述「由該行動裝置20的瀏覽器21根據該交易憑證資訊開啟一已安裝的電子錢包22，以進行付款交易（S52）」之步驟。Further in this preferred embodiment, when the above steps are performed until "the mobile device 20 generates and sends a payment notification to the payment instrument integration platform server 30 through a built-in browser 21, and is integrated by the payment instrument The platform server 30 returns a transaction voucher information (S51) ”, as shown in FIG. 6. The method further includes the following sub-steps: The mobile device 20 scans a QR code of a store image code 10 to open the browsing. Device 21 for selecting a payment instrument information and inputting a transaction amount (S511); and when the browser 21 of the mobile device 20 generates and sends the payment notification to the payment instrument integration based on the payment instrument information and the transaction amount Platform server 30 (S512); then the payment tool integration platform server 30 creates an order information according to the payment notification, and generates and sends an order number and a QR Code payment information to the agent payment server 40 (S513) Then, the agent payment server 40 establishes a QR Code transaction information (S514); when the agent payment server 40 establishes the QR Code transaction information, the agent supports The server 40 generates and returns a verification information to the payment tool integration platform server 30 (S515), then the payment tool integration platform server 30 generates and sends the transaction credential information to the action based on receiving the verification information. The browser 21 of the device 20 (S516); and the steps of “the browser 21 of the mobile device 20 opens an installed electronic wallet 22 according to the transaction voucher information to perform a payment transaction (S52)”.
進一步於本較佳實施例中，當上述步驟執行至「由該行動裝置20的電子錢包22產生並發送一QR Code授權交易資訊至該代理支付伺服器40，由該代理支付伺服器40產生一交易回應結果，並將該交易回應結果回傳至該行動裝置20（S53）」之步驟，如圖6所示，該方法更包括以下子步驟： 由該行動裝置20的電子錢包22發送該交易憑證資訊、及該QR Code授權交易資訊至該代理支付伺服器40（S531），並由該代理支付伺服器40根據該交易憑證資訊、及該QR Code授權交易資訊，回傳一QR Code的付款資料以及一第一交易回應結果（S532）； 當該行動裝置20的電子錢包22收到該第一交易回應結果，則以該電子錢包22透過該第一結果頁面222提供該QR Code的付款資料作為一確認付款之內容、以及顯示該第一交易回應結果（S533）。Further in this preferred embodiment, when the above steps are performed to "generated by the electronic wallet 22 of the mobile device 20 and sent a QR Code authorized transaction information to the agent payment server 40, the agent payment server 40 generates a The transaction response result and the transaction response result is returned to the mobile device 20 (S53) ”, as shown in FIG. 6, the method further includes the following sub-steps: the transaction is sent by the electronic wallet 22 of the mobile device 20 The voucher information and the QR Code authorized transaction information are sent to the proxy payment server 40 (S531), and the proxy payment server 40 returns a QR Code payment based on the transaction voucher information and the QR Code authorized transaction information. Information and a first transaction response result (S532); when the electronic wallet 22 of the mobile device 20 receives the first transaction response result, the electronic wallet 22 provides the QR code payment information through the first result page 222 The content of the payment is confirmed, and the first transaction response result is displayed (S533).
進一步於本較佳實施例中，當上述步驟執行「由該行動裝置20的電子錢包22發送該交易憑證資訊、及該QR Code授權交易資訊至該代理支付伺服器40（S531）」之步驟後，如圖6所示，該方法更包括以下子步驟： 當該代理支付伺服器40收到該交易憑證資訊、該QR Code授權交易資訊，則發送該訂單編號及另一交易回應結果至該支付工具整合平台伺服器30（S534）； 當該支付工具整合平台伺服器30收到該訂單編號及該另一交易回應結果，則備存或儲存該訂單編號、該另一交易回應結果，並發送一第二交易回應結果至該行動裝置20的瀏覽器21（S535）； 當該行動裝置20的瀏覽器21收到該第二交易回應結果，則由該瀏覽器21透過該第二結果頁面213顯示該第二交易回應結果。Further in this preferred embodiment, after the above steps perform the steps of "sending the transaction voucher information and the QR Code authorized transaction information to the proxy payment server 40 (S531)" by the electronic wallet 22 of the mobile device 20 As shown in FIG. 6, the method further includes the following sub-steps: When the agent payment server 40 receives the transaction voucher information and the QR Code authorized transaction information, it sends the order number and another transaction response result to the payment. Tool integration platform server 30 (S534); When the payment tool integration platform server 30 receives the order number and the other transaction response result, it stores or stores the order number and the other transaction response result and sends it A second transaction response result to the browser 21 of the mobile device 20 (S535); when the browser 21 of the mobile device 20 receives the second transaction response result, the browser 21 passes the second result page 213 The second transaction response result is displayed.
因此，本發明主要係利用該行動裝置20、該支付工具整合平台伺服器30及該代理支付伺服器40結合在網際網路之間進行協同運作，以簡化交易流程，令一般店家能提供使用者行動支付消費服務，且無需繞送收單銀行、財金網路系統、發卡銀行，確實能夠達到提升方便性及交易效率的目的。Therefore, the present invention mainly uses the mobile device 20, the payment tool integration platform server 30, and the proxy payment server 40 to cooperate with each other on the Internet to simplify the transaction process and enable general stores to provide users. Mobile payment and consumption services, without the need to bypass the acquiring bank, the financial network system, and the card-issuing bank, can indeed achieve the purpose of improving convenience and transaction efficiency.
10‧‧‧商店圖碼10‧‧‧ Store Map
20‧‧‧行動裝置20‧‧‧ mobile device
21‧‧‧瀏覽器21‧‧‧Browser
211‧‧‧支付工具選擇頁面211‧‧‧Payment tool selection page
212‧‧‧消費金額輸入頁面212‧‧‧Consumption amount entry page
213‧‧‧第二結果頁面213‧‧‧Second results page
22‧‧‧電子錢包22‧‧‧ electronic wallet
221‧‧‧確認頁面221‧‧‧Confirmation page
222‧‧‧第一結果頁面222‧‧‧First result page
30‧‧‧支付工具整合平台伺服器30‧‧‧Payment Tool Integration Platform Server
40‧‧‧代理支付伺服器40‧‧‧ agent payment server
圖1 係本發明之較佳實施例的系統架構方塊圖。 圖2 係本發明之較佳實施例的瀏覽器應用狀態示意圖。 圖3 係本發明之較佳實施例的電子錢包應用狀態示意圖。 圖4 係本發明之較佳實施例的顯示交易結果的應用狀態示意圖。 圖5 係本發明之較佳實施例的資料處理方法流程圖。 圖6 係本發明之較佳實施例的又一資料處理方法流程圖。FIG. 1 is a block diagram of a system architecture according to a preferred embodiment of the present invention. FIG. 2 is a schematic diagram of a browser application state according to a preferred embodiment of the present invention. FIG. 3 is a schematic diagram of an application state of an electronic wallet according to a preferred embodiment of the present invention. FIG. 4 is a schematic diagram showing an application state of a transaction result according to a preferred embodiment of the present invention. FIG. 5 is a flowchart of a data processing method according to a preferred embodiment of the present invention. FIG. 6 is a flowchart of another data processing method according to a preferred embodiment of the present invention.
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