TWI682339B

TWI682339B - Cross-APP mobile payment system without transaction bypass operation and its data processing method

Info

Publication number: TWI682339B
Application number: TW107137428A
Authority: TW
Inventors: 徐文玲; 曾繁君
Original assignee: 臺灣行動支付股份有限公司
Priority date: 2018-10-23
Filing date: 2018-10-23
Publication date: 2020-01-11
Also published as: TW202016825A

Abstract

本發明係一種無需交易繞送作業的跨APP行動支付系統及其資料處理方法，係令一行動裝置、一店家應用伺服器、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至一店家消費，於結帳時執行一店家應用程式並取得該店家提供之圖碼以取得一交易金額，該店家應用程式透過該店家應用伺服器交換一交易憑證資訊並開啟一電子錢包以確認進行付款，於確認後發送一QR Code授權交易資訊至該代理支付伺服器進行付款交易，再由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 present invention is a cross-APP mobile payment system and data processing method that does not require transaction bypass operations. It enables a mobile device, a store application server, and an agent payment server to connect to the network and exchange data; the user holds the Mobile device to a store for consumption, execute a store application at checkout and obtain the code provided by the store to obtain a transaction amount, the store application exchanges a transaction certificate information and opens an electronic wallet through the store application server To confirm the payment, send a QR Code authorized transaction information to the agent payment server for payment transaction, and then the agent payment server returns the transaction result to the mobile device according to the QR Code authorized transaction information and instant It shows that there is no need to send receipts and card issuing banks around, thereby improving convenience and transaction efficiency.

Description

無需交易繞送作業的跨APP行動支付系統及其資料處理方法Cross-APP mobile payment system without transaction bypass operation and its data processing method

本發明係關於一種行動支付系統及方法，尤指一種無需交易繞送作業的跨APP行動支付系統及其資料處理方法。The present invention relates to a mobile payment system and method, in particular to a cross-APP mobile payment system and data processing method without transaction bypass 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 Internet, smart phones, mobile payment and other applications, the way of card transactions in electronic wallets in China has become more complicated. For example, if you want to enable users to go to a store for mobile payment consumption , The store itself must first establish a relationship with an acquiring bank to become a special store, so that users can send transaction information to the acquiring bank when paying, and use the acquiring bank for transaction bypass operations To be able to perform authorization verification interactively with a card-issuing bank through a financial 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 The establishment of relationships is cumbersome and inefficient. Furthermore, for small shops, there is no other option. They can only cooperate with the banking unit, which means that they are subject to the banking unit, which is 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 seen from the above-mentioned prior art that a general store cannot provide users with mobile payment services without transaction bypass operations. However, the store must be subject to the banking unit in order to be able to carry out transaction bypass operations to complete commercial needs. In fact, the process of establishing the above-mentioned special store does have many inconveniences, and it is not conducive to commercial development by the banking unit. Therefore, for the general store in the existing technology, it is indeed 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跨APP行動支付系統及其資料處理方法，使用者在行動裝置上安裝有一店家專用的應用程式及一支付專用的電子錢包，並利用網路系統簡化傳統的交易流程，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 objective of the present invention is to provide a cross-APP mobile payment system and data processing method that does not require transaction bypass operations. The user installs a dedicated application for the store and a dedicated payment on the mobile device E-wallet, and use the network system to simplify the traditional transaction process, so that the general store's mobile payment transactions no longer need to bypass the receiving bank, financial network system, card issuing bank, thereby improving 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跨APP行動支付系統的資料處理方法，係由一使用者的行動裝置、一店家應用伺服器、一代理支付伺服器與網路連結並交換資料，該行動裝置安裝有一店家應用程式、一電子錢包，且該店家應用程式與該電子錢包連結，該方法包括以下步驟：於該行動裝置上執行該店家應用程式，並取得一店家提供的圖碼；透過該行動裝置的店家應用程式產生並發送一付款通知至該店家應用伺服器，並由該店家應用伺服器回傳一交易憑證資訊；由該行動裝置的店家應用程式，根據該交易憑證資訊開啟該電子錢包進行付款；以及由該行動裝置發送一QR Code授權交易資訊至該代理支付伺服器，並由該代理支付伺服器將一交易結果回傳至該行動裝置。The main technical means adopted to achieve the above purpose are the data processing methods of the aforementioned cross-APP mobile payment system that does not require transaction bypassing operations. It is composed of a user's mobile device, a store application server, and an agent payment server. Internet connection and data exchange. The mobile device is installed with a store application and an electronic wallet, and the store application is connected to the electronic wallet. The method includes the following steps: Run the store application on the mobile device and obtain A code provided by a store; generate and send a payment notification to the store application server through the store application of the mobile device, and the transaction application information is returned by the store application server; the store application of the mobile device , Open the electronic wallet for payment according to the transaction certificate information; and send a QR Code authorized transaction information to the agent payment server by the mobile device, and the agent payment server returns a transaction result to the mobile device.

依上述步驟，使用者持該行動裝置至一店家消費，並於該行動裝置上執行店家應用程式，透過該行動裝置取得該店家提供的圖碼，根據該圖碼可得到交易金額，接著該店家應用程式將該付款通知發送至該店家應用伺服器，以取得該交易憑證資訊，該店家應用程式根據該交易憑證資訊開啟該電子錢包進行付款，在使用者確認付款內容後，透過該行動裝置發送一QR Code授權交易資訊至該代理支付伺服器，並由該代理支付伺服器回傳該交易結果，並在該行動裝置上即時顯示，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 holds the mobile device to a store for consumption, and executes the store application on the mobile device, obtains the code provided by the store through the mobile device, and obtains the transaction amount according to the code, and then the store The application sends the payment notification to the store application server to obtain the transaction voucher information. The store application opens the e-wallet for payment according to the transaction voucher information. After the user confirms the payment content, it is sent through the mobile device A QR Code authorizes the transaction information to the agent payment server, and the agent payment server returns the transaction result, which is displayed on the mobile device in real time for user and store confirmation, so that the general store can provide users Mobile payment consumer services do not need to bypass the acquiring bank, financial network system, card issuing bank, to achieve the purpose of improving 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跨APP行動支付系統包括：一店家裝置，係設置於一店家，該店家裝置係具有一圖碼；一店家應用伺服器，係與網路連結；一代理支付伺服器，係與透過網路與該店家應用伺服器連結；一使用者的行動裝置，其安裝有一店家應用程式以及一預設有多數虛擬卡片的電子錢包，該店家應用程式與該電子錢包連結，並且該店家應用程式、該電子錢包分別透過網路與該店家應用伺服器、該代理支付伺服器連結；其中，由該行動裝置執行該店家應用程式，並取得該店家裝置提供的該圖碼；該行動裝置的店家應用程式根據該圖碼產生並發送一付款通知至該店家應用伺服器，並由該店家應用伺服器回傳一交易憑證資訊；當該行動裝置的店家應用程式收到該交易憑證資訊，則開啟該電子錢包進行選擇虛擬卡片付款；並且由該行動裝置發送一QR Code授權交易資訊至該代理支付伺服器，再由該代理支付伺服器將一交易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 purpose is to make the aforementioned cross-APP mobile payment system that does not require transaction bypass operations include: a store device, which is installed in a store, and the store device has a code; a store application The server is connected to the network; a proxy payment server is connected to the store’s application server via the network; a user’s mobile device is installed with a store’s application and a default one with most virtual cards E-wallet, the store application is connected to the e-wallet, and the store application and the e-wallet are connected to the store application server and the proxy payment server through the network respectively; wherein the mobile device executes the store application Program, and obtain the code provided by the store device; the store application of the mobile device generates and sends a payment notification to the store application server according to the code, and the store application server returns a transaction certificate information ; When the store application of the mobile device receives the transaction certificate information, it opens the electronic wallet to select the virtual card payment; and the mobile device sends a QR Code to authorize the transaction information to the agent payment server, and then the agent The payment server returns a transaction result to the mobile device for real-time display on the mobile device.

依上述構造，使用者持該行動裝置至該店家進行消費，於結帳時在該行動裝置上執行該店家應用程式並取得該圖碼，該行動裝置的店家應用程式根據該圖碼可得到交易金額，並將該付款通知發送至該店家應用伺服器，且該店家應用伺服器根據收到該付款通知回傳該交易憑證資訊，當該行動裝置的店家應用程式收到該交易憑證資訊則開啟該電子錢包，則由使用者選擇虛擬卡片進行付款，並且當使用者選定後，則由該行動裝置發送該QR Code授權交易資訊至該代理支付伺服器以交換該交易結果，並於該行動裝置顯示，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 user takes the mobile device to the store for consumption, executes the store application on the mobile device at checkout and obtains the code, and the store application of the mobile device can obtain transactions according to the code The amount, and send the payment notification to the store application server, and the store application server returns the transaction certificate information according to the receipt of the payment notification, and opens when the store application of the mobile device receives the transaction certificate information In the electronic wallet, the user selects a virtual card for payment, and after the user selects, the mobile device sends the QR Code authorized transaction information to the agent payment server to exchange the transaction result, and the mobile device It shows that it can be confirmed by the user and the store in real time, so that the general store can provide the user's mobile payment consumption service without bypassing the receiving bank, the financial network system, and the card issuing bank, so as to achieve the purpose of improving convenience and transaction efficiency.

關於本發明無需交易繞送作業的跨APP行動支付系統之較佳實施例，請參閱圖1所示，其中包括一店家裝置10、一行動裝置20、一店家應用伺服器30及一代理支付伺服器40，該店家裝置10、該行動裝置20、該店家應用伺服器30、該代理支付伺服器40係與網路連結，且該店家裝置10係透過網路與該店家應用伺服器30連結、該店家應用伺服器30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店家裝置10係設置於一店家，該店家裝置10可由一電腦裝置所構成，並於該店家結帳時提供顯示一含消費相關資訊的圖碼11，該圖碼11可包括一QR Code。For a preferred embodiment of a cross-APP mobile payment system that does not require transaction bypass operations of the present invention, please refer to FIG. 1, which includes a store device 10, a mobile device 20, a store application server 30, and an agent payment server Device 40, the store device 10, the mobile device 20, the store application server 30, the proxy payment server 40 are connected to the network, and the store device 10 is connected to the store application server 30 through the network, The store application server 30 is connected to the agent payment server 40 through the network; in the preferred embodiment, the store device 10 is installed in a store, and the store device 10 may be composed of a computer device, and is located in the store At checkout, a picture code 11 containing consumption-related information is provided. The picture code 11 may include a QR Code.

於本較佳實施例中該行動裝置20可由一智慧型手機、一平板電腦或一筆記型電腦所構成，使用者可先以該行動裝置20並透過網路登入一應用程式商店（App Store），並下載該店家發行的一店家應用程式（Application Program, APP）以及一代理行動支付機構發行的電子錢包（Mobile Wallet），如圖1所示，且於該行動裝置20上安裝該店家應用程式21以及該電子錢包22，該電子錢包22係可供使用者預設有多數虛擬卡片，當該行動裝置20安裝該店家應用程式21、該電子錢包22，則使該行動裝置20的店家應用程式21與該行動裝置20的電子錢包22連結，並且令該行動裝置20的店家應用程式21可透過網路與該店家應用伺服器30交換資料、又令該行動裝置20的電子錢包22透過網路與該代理支付伺服器40交換資料。In the preferred embodiment, the mobile device 20 may be composed of a smart phone, a tablet computer, or a notebook computer. The user may first log in to an App Store (App Store) through the mobile device 20 and the Internet , And download a store application (Application Program, APP) issued by the store and an electronic wallet (Mobile Wallet) issued by an agent mobile payment institution, as shown in FIG. 1, and install the store application on the mobile device 20 21 and the e-wallet 22, the e-wallet 22 is available for the user to preset a number of virtual cards, when the mobile device 20 installs the store application 21, the e-wallet 22, then the store application of the mobile device 20 21 is connected to the electronic wallet 22 of the mobile device 20, and enables the store application 21 of the mobile device 20 to exchange data with the store application server 30 via the network, and enables the electronic wallet 22 of the mobile device 20 to pass the network Exchange data with the agent payment server 40.

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，使用者欲採行動支付交易服務，並於結帳時在該行動裝置20上執行該店家應用程式21，且於本較佳實施例中使用者僅需將該行動裝置20對該店家裝置10顯示的圖碼11進行掃描，以擷取該圖碼11，並由該店家應用程式21解析該含消費相關資訊的圖碼11，以取得一交易金額及相關資訊，再由該店家應用程式21根據解析該圖碼11而取得的該交易金額及相關資訊，產生並發送一付款通知發送至該店家應用伺服器30，該店家應用伺服器30根據收到該付款通知，回傳依一交易憑證資訊至該行動裝置20。As shown in FIG. 1, when the user enters the store with the mobile device 20 for consumption, the user wants to use a mobile payment transaction service, and executes the store application 21 on the mobile device 20 at checkout, and In the preferred embodiment, the user only needs to scan the mobile device 20 to the code 11 displayed on the store device 10 to retrieve the code 11, and the store application 21 parses the map containing the consumption-related information Code 11 to obtain a transaction amount and related information, and then the store application 21 generates and sends a payment notification to the store application server 30 based on the transaction amount and related information obtained by parsing the figure 11 The store application server 30 returns the information according to a transaction certificate to the mobile device 20 upon receiving the payment notification.

當該行動裝置20的店家應用程式21收到該交易憑證資訊，則開啟該電子錢包22並由使用者進行選擇虛擬卡片付款，以進行付款交易，於本較佳實施例中該店家應用程式21係可透過一通訊協定以開啟該電子錢包22，該通訊協定包括一統一資源定位符（Uniform Resource Locator, URL）協定（URL協定）。When the store application 21 of the mobile device 20 receives the transaction voucher information, the electronic wallet 22 is opened and the user selects a virtual card for payment to perform a payment transaction. In the preferred embodiment, the store application 21 The electronic wallet 22 can be opened through a communication protocol, which includes a Uniform Resource Locator (URL) protocol (URL protocol).

當使用者選定虛擬卡片後，則由該行動裝置20的電子錢包22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將一交易結果回傳至該行動裝置20，以即時顯示在該行動裝置上，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。After the user selects the virtual card, the electronic wallet 22 of the mobile device 20 sends a QR Code authorized transaction information to the agent payment server 40, and the agent payment server 40 returns a transaction result to the action The device 20 is displayed on the mobile device in real time for instant confirmation by the user and the store, thereby allowing the general store to provide user mobile payment consumption services without bypassing the receiving 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1、2所示，當使用者持該行動裝置20對該圖碼11進行掃碼後，該店家應用程式21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，該店家應用程式21根據解析該圖碼11取得該交易金額及相關資訊。To illustrate the specific application of this preferred embodiment, please refer to FIGS. 1 and 2. When the user scans the code 11 with the mobile device 20, the store application 21 provides a payment tool selection page 211. The payment tool selection page 211 has preset most payment tool information for the user to operate and select. When the user confirms to select one of the payment tool information, the store application 21 obtains the transaction based on parsing the figure 11 Amount and related information.

該店家應用程式21根據該交易金額及相關資訊，產生並發送該付款通知至該店家應用伺服器30，當該店家應用伺服器30收到該付款通知，則建立一訂單資訊，並根據該付款通知及該訂單資訊發送一訂單編號、一QR Code付款資料至該代理伺服器40，並於該代理伺服器40建立一QR Code交易資訊，該代理伺服器40建立該QR Code交易資訊後，即回傳一驗證資訊，並由該店家應用伺服器30根據收到該驗證資訊，產生並發送該交易驗證資訊至該行動裝置20。The store application 21 generates and sends the payment notification to the store application server 30 according to the transaction amount and related information. When the store application server 30 receives the payment notification, it creates an order information and based on the payment The notification and the order information send an order number and a QR Code payment data to the proxy server 40, and create a QR Code transaction information on the proxy server 40. After the proxy server 40 creates the QR Code transaction information, namely A verification information is returned, and the store application server 30 generates and sends the transaction verification information to the mobile device 20 according to the received verification information.

當該行動裝置20的店家應用程式21收到該交易憑證資訊，則透過該通訊協定以開啟該電子錢包22，如圖3所示，該電子錢包22被開啟後提供一確認頁面221，該確認頁面221顯示有多數授權資訊，多數授權資訊中係含有預設的虛擬卡片，當使用者選擇虛擬卡片並確認進行付款後，則由該行動裝置20的電子錢包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結果，並將該交易結果回傳至該行動裝置20。When the store application 21 of the mobile device 20 receives the transaction certificate information, the electronic wallet 22 is opened through the communication protocol, as shown in FIG. 3, after the electronic wallet 22 is opened, a confirmation page 221 is provided, the confirmation Most authorization information is displayed on page 221. Most authorization information contains a default virtual card. When the user selects the virtual card and confirms to make a payment, the electronic wallet 22 of the mobile device 20 generates the QR Code according to the majority authorization information Authorize the transaction information, and send the QR Code authorized transaction information to the agent payment server 40, and then the agent payment server 40 generates the transaction result according to the received QR Code authorized transaction information, and returns the transaction result 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，產生並回傳該交易結果至該行動裝置20的電子錢包22，並以該電子錢包22提供一確認付款內容以及一顯示交易結果。In the preferred embodiment, the electronic wallet 22 of the mobile device 20 can further send the transaction certificate information and the QR Code authorized transaction information to the agent payment server 40, and then the agent payment server 40 After receiving the transaction certificate information and the QR Code authorized transaction information, the transaction result is generated and returned to the electronic wallet 22 of the mobile device 20, and the electronic wallet 22 provides a confirmation payment content and a display transaction result.

於本較佳實施例中，該代理支付伺服器40可進一步將上述該訂單編號及該交易結果傳送至該店家應用伺服器30，並於該店家應用伺服器30即時儲存或備存該訂單編號、該交易結果，以及產生一交易回應結果，如圖4所示，並即時的透過該行動裝置20的店家應用程式21提供一代表交易成功的交易回應結果畫面212，即時供使用者、店家確認。In the preferred embodiment, the agent payment server 40 may further send the order number and the transaction result to the store application server 30, and store or store the order number in the store application server 30 in real time. , The transaction result, and a transaction response result, as shown in FIG. 4, and a real-time transaction response result screen 212 representing the transaction success is provided through the store application 21 of the mobile device 20 for immediate confirmation by the user and the store .

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跨APP行動支付系統的資料處理方法，主要係由使用者的該行動裝置20、該店家應用伺服器30、該代理支付伺服器40與網路連結並交換資料，該行動裝置20已安裝有該店家應用程式21、該電子錢包22，且該店家應用程式21與該電子錢包22連結，該方法包括以下步驟：於該行動裝置20上執行該店家應用程式21，並透過掃描而取得該店家裝置10所提供的圖碼11（如QR Code），以取得一交易金額；並且透過該行動裝置20的店家應用程式21產生並發送一付款通知至該店家應用伺服器30，並由該店家應用伺服器30回傳一交易憑證資訊（S51）；由該行動裝置20的店家應用程式21，根據收到該交易憑證資訊並透過一通訊協定開啟該電子錢包22，以進行由使用者（用戶）選卡付款交易（S52）；以及由該行動裝置20的電子錢包22發送一QR Code授權交易資訊至該代理支付伺服器40，並由該代理支付伺服器40將一交易結果回傳至該行動裝置20（S53）。According to the above-mentioned preferred embodiments and specific application methods of the present invention, a data processing method of a cross-APP mobile payment system that does not require transaction bypassing operations can be summarized, mainly by the user's mobile device 20 and the store application server 30 2. The proxy payment server 40 connects to the network and exchanges data. The mobile device 20 has installed the store application 21 and the electronic wallet 22, and the store application 21 is connected to the electronic wallet 22. The method includes the following Steps: Run the store application 21 on the mobile device 20, and obtain the code 11 (such as QR Code) provided by the store device 10 by scanning to obtain a transaction amount; and through the store of the mobile device 20 The application 21 generates and sends a payment notification to the store application server 30, and the store application server 30 returns a transaction certificate information (S51); the store application 21 of the mobile device 20, according to the received Transaction voucher information and open the electronic wallet 22 through a communication protocol for card payment transaction by the user (user) (S52); and the electronic wallet 22 of the mobile device 20 sends a QR Code to authorize transaction information to the agent The payment server 40, and the agent payment server 40 returns a transaction 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「於該行動裝置20上執行該店家應用程式21，並取得該店家裝置10所提供的圖碼11，以取得一交易金額，於本較佳實施例中，該圖碼11包括一QR Code；並且透過該行動裝置20的店家應用程式21產生並發送一付款通知至該店家應用伺服器30，並由該店家應用伺服器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執行該店家應用程式21，並透過掃描該店家裝置10所產生的QR Code，以取得該交易金額及相關資訊（S511）；以及當該行動裝置20的店家應用程式21根據該交易金額及相關資訊，產生並發送該付款通知至該店家應用伺服器30（S512）；則該店家應用伺服器30根據該付款通知，建立一訂單資訊，並根據該付款通知及該訂單資訊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店家應用伺服器30（S515），則該店家應用伺服器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的店家應用程式21（S516）；以及接續執行前述「由該行動裝置20的店家應用程式21，根據收到該交易憑證資訊並透過一通訊協定開啟該電子錢包22，以進行由使用者（用戶）選卡付款交易（S52）」之步驟。Further in this preferred embodiment, when the above steps are executed to "execute the store application 21 on the mobile device 20 and obtain the code 11 provided by the store device 10 to obtain a transaction amount, compare In the preferred embodiment, the image code 11 includes a QR Code; and a payment notification is generated and sent to the store application server 30 through the store application 21 of the mobile device 20, and the store application server 30 returns a "Transaction certificate information (S51)" step, as shown in FIG. 6, the method further includes the following sub-steps: The mobile device 20 executes the store application 21, and scans the QR code generated by the store device 10 to Obtain the transaction amount and related information (S511); and when the store application 21 of the mobile device 20 generates and sends the payment notification to the store application server 30 based on the transaction amount and related information (S512); then the store The application server 30 creates an order information according to the payment notification, and generates and sends an order number and a QR Code payment data to the agent payment server 40 according to the payment notification and the order information (S513), and then the agent The payment server 40 creates a QR Code transaction information (S514); when the agent payment server 40 creates the QR Code transaction information, the agent payment server 40 generates and returns a verification information to the store application server 30 ( S515), the store application server 30 generates and sends the transaction certificate information to the store application 21 of the mobile device 20 based on receiving the verification information (S516); and then executes the aforementioned "store by the mobile device 20" The application 21, according to the receipt of the transaction certificate information and opens the electronic wallet 22 through a communication protocol, to carry out the step of payment transaction (S52) selected by the user (user).

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發送一QR Code授權交易資訊至該代理支付伺服器40，並由該代理支付伺服器40將一交易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的付款資料以及該交易結果（S532）；當該行動裝置20的電子錢包22收到該QR Code的付款資料以及該交易結果，則以該電子錢包22提供一確認付款內容以及一顯示交易結果（S533）。Further in the preferred embodiment, when the above steps are executed to “send a QR Code authorized transaction information to the agent payment server 40 from the electronic wallet 22 of the mobile device 20, and the agent payment server 40 will transfer a transaction The result is returned to the mobile device 20 (S53)" step. As shown in FIG. 6, the method further includes the following sub-steps: the transaction voucher information is sent by the electronic wallet 22 of the mobile device 20, and the QR Code authorizes the transaction The information is sent to the agent payment server 40 (S531), and the agent payment server 40 returns the payment information of the QR Code and the transaction result based on the transaction certificate information and the QR Code authorization transaction information (S532); When the electronic wallet 22 of the mobile device 20 receives the payment information of the QR Code and the transaction result, the electronic wallet 22 is used to provide a confirmation payment content and a display transaction result (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，則發送上述的該訂單編號及該交易結果至該店家應用伺服器30（S534）；當該店家應用伺服器30收到該訂單編號及該交易結果，則備存或儲存該訂單編號、該交易結果，以及產生一交易回應結果（S535）；以及以該行動裝置20的店家應用程式21提供一代表交易成功的交易回應結果。Further in the preferred embodiment, after the above step executes the step of “sending the transaction certificate information from the electronic wallet 22 of the mobile device 20 and the QR Code authorized transaction information to the agent payment server 40 (S531)” As shown in FIG. 6, the method further includes the following sub-steps: When the proxy payment server 40 receives the transaction certificate information and the QR Code authorized transaction information, it sends the order number and the transaction result to the store The application server 30 (S534); when the store application server 30 receives the order number and the transaction result, it stores or stores the order number, the transaction result, and generates a transaction response result (S535); and The store application 21 of the mobile device 20 provides a transaction response result representing a successful transaction.

因此，本發明主要係利用安裝有該店家應用程式21以及該電子錢包22的行動裝置20、該店家應用伺服器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，以簡化使用者、店家之間的行動支付交易服務流程，令一般店家能方便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 utilizes the mobile device 20 installed with the store application 21 and the electronic wallet 22, the store application server 30 and the proxy payment server 40 to cooperate between the Internet to simplify The mobile payment transaction service process between users and stores allows ordinary stores to provide users with mobile payment consumption services without the need to bypass the acquiring bank, financial network system, and card issuing bank, which can indeed achieve improved convenience and transactions The purpose of efficiency.

10‧‧‧店家裝置10‧‧‧Store installation

11‧‧‧圖碼11‧‧‧Picture code

20‧‧‧行動裝置20‧‧‧Mobile device

21‧‧‧店家應用程式21‧‧‧Store application

211‧‧‧支付工具選擇頁面211‧‧‧Payment tool selection page

212‧‧‧交易回應結果畫面212‧‧‧Transaction response result screen

22‧‧‧電子錢包22‧‧‧Electronic wallet

221‧‧‧確認頁面221‧‧‧Confirmation page

30‧‧‧店家應用伺服器30‧‧‧Store application server

40‧‧‧代理支付伺服器40‧‧‧Proxy 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店家應用程式之應用狀態示意圖。圖3 係本發明之較佳實施例的電子錢包之應用狀態示意圖。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 the system architecture of the preferred embodiment of the present invention. FIG. 2 is a schematic diagram of the application state of the store application program according to the preferred embodiment of the present invention. FIG. 3 is a schematic diagram of the application state of the electronic wallet of the preferred embodiment of the present invention. FIG. 4 is a schematic diagram showing the application status of displaying transaction results according to a preferred embodiment of the present invention. 5 is a flowchart of a data processing method according to a preferred embodiment of the present invention. 6 is a flowchart of another data processing method according to a preferred embodiment of the present invention.

10‧‧‧店家裝置 10‧‧‧Store installation

11‧‧‧圖碼 11‧‧‧Picture code

20‧‧‧行動裝置 20‧‧‧Mobile device

21‧‧‧店家應用程式 21‧‧‧Store application

22‧‧‧電子錢包 22‧‧‧Electronic wallet

30‧‧‧店家應用伺服器 30‧‧‧Store application server

40‧‧‧代理支付伺服器 40‧‧‧Proxy payment server

Claims

一種無需交易繞送作業的跨APP行動支付系統的資料處理方法，係由一使用者的行動裝置、一店家應用伺服器、一代理支付伺服器與網路連結並交換資料，該行動裝置安裝有一店家應用程式、一電子錢包，且該店家應用程式與該電子錢包連結，該方法包括以下步驟：於該行動裝置上執行該店家應用程式，並取得一店家提供的圖碼，並解析該圖碼而取得交易金額；透過該行動裝置的店家應用程式根據解析該圖碼而取得的交易金額產生並發送一付款通知至該店家應用伺服器，並由該店家應用伺服器回傳一交易憑證資訊；由該行動裝置的店家應用程式收到該交易憑證資訊後，根據該交易憑證資訊開啟該電子錢包進行付款；以及由該行動裝置發送一QR Code授權交易資訊至該代理支付伺服器，並由該代理支付伺服器將一交易結果回傳至該行動裝置。 A data processing method for a cross-APP mobile payment system that does not require transaction bypass operations. A user's mobile device, a store application server, and a proxy payment server are connected to the network and exchange data. The mobile device is equipped with a A store application and an electronic wallet, and the store application is connected to the electronic wallet, the method includes the following steps: executing the store application on the mobile device, obtaining a code provided by a store, and parsing the code Obtain the transaction amount; the store application of the mobile device generates and sends a payment notification to the store application server according to the transaction amount obtained by parsing the code, and the store application server returns a transaction certificate information; After receiving the transaction voucher information from the mobile device’s store application, the e-wallet is opened for payment based on the transaction voucher information; and the mobile device sends a QR Code authorized transaction information to the agent payment server, and the The proxy payment server returns a transaction result to the mobile device.

如請求項1所述之無需交易繞送作業的跨APP行動支付系統的資料處理方法，當上述步驟執行至「於該行動裝置上執行該店家應用程式，並取得一店家提供的圖碼；透過該行動裝置的店家應用程式產生並發送一付款通知至該店家應用伺服器，並由該店家應用伺服器回傳一交易憑證資訊；」之步驟，該方法更包括以下子步驟：由該行動裝置執行該店家應用程式，並掃描該店家裝置所產生的圖碼，以取得該交易金額；以及由該店家應用程式產生並發送該付款通知至該店家應用伺服器；由該店家應用伺服器根據該付款通知，建立一訂單資訊，並發送一訂單編號、一QR Code付款資料至該代理支付伺服器，再由該代理支付伺服器建立一 QR Code交易資訊，並且回傳一驗證資訊至該店家應用伺服器，該店家應用伺服器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的店家應用程式。 The data processing method of the cross-APP mobile payment system that does not require transaction bypass operations as described in claim 1, when the above steps are executed to "execute the store application on the mobile device and obtain a code provided by a store; The store application of the mobile device generates and sends a payment notification to the store application server, and the store application server returns a transaction certificate information;" The method further includes the following sub-steps: the mobile device Run the store application and scan the code generated by the store device to obtain the transaction amount; and generate and send the payment notification to the store application server by the store application; the store application server according to the Payment notification, create an order information, and send an order number, a QR Code payment data to the agent payment server, and then the agent payment server creates a QR Code transaction information, and returns a verification information to the store application server, the store application server generates and sends the transaction certificate information to the mobile device store application based on receiving the verification information.

如請求項2所述之無需交易繞送作業的跨APP行動支付系統的資料處理方法，當上述步驟執行至「由該行動裝置發送一QR Code授權交易資訊至該代理支付伺服器，並由該代理支付伺服器將一交易結果回傳至該行動裝置」之步驟，該方法更包括以下子步驟：由該行動裝置的電子錢包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，並由該代理支付伺服器回傳一QR Code的付款資料以及該交易結果；當該行動裝置的電子錢包收到該QR Code的付款資料以及該交易結果，則以該電子錢包提供一確認付款內容以及一顯示交易結果。 The data processing method of the cross-APP mobile payment system that does not require transaction bypass operations as described in claim 2, when the above steps are executed to "send a QR Code authorized transaction information to the agent payment server by the mobile device, and the The proxy payment server returns a transaction result to the mobile device". The method further includes the following sub-steps: sending the transaction certificate information from the mobile device's electronic wallet, and the QR Code authorizing the transaction information to the proxy payment The server, and the payment server of the agent returns a QR Code payment information and the transaction result; when the mobile device's electronic wallet receives the QR Code payment information and the transaction result, the electronic wallet provides a Confirm the payment content and display the transaction result.

如請求項3所述之無需交易繞送作業的跨APP行動支付系統的資料處理方法，當上述步驟執行「由該行動裝置的電子錢包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」之步驟後，該方法更包括以下子步驟：當該代理支付伺服器收到該交易憑證資訊、該QR Code授權交易資訊，則發送上述的該訂單編號及該交易結果至該店家應用伺服器，並由該店家應用伺服器備存該訂單編號、該交易結果；以及以該行動裝置的店家應用程式提供一代表交易成功的交易回應結果。 The data processing method of a cross-APP mobile payment system that does not require transaction bypass operations as described in claim 3, when the above steps are executed, "send the transaction certificate information from the mobile device’s electronic wallet, and the QR Code authorizes the transaction information to the After the step of "Proxy Payment Server", the method further includes the following sub-steps: When the proxy payment server receives the transaction certificate information and the QR Code authorized transaction information, it sends the order number and the transaction result to the The store application server, and the store application server stores the order number and the transaction result; and the store application of the mobile device provides a transaction response result representing a successful transaction.

如請求項4所述之無需交易繞送作業的跨APP行動支付系統的資料處理方法，該圖碼係包括一QR Code，並由該店家應用程式解析該含消費相關資訊的圖碼，以取得該交易金額及相關資訊。 The data processing method of the cross-APP mobile payment system that does not require transaction bypass operations as described in claim 4, the code includes a QR Code, and the store application parses the code containing consumption-related information to obtain The transaction amount and related information.

如請求項5所述之無需交易繞送作業的跨APP行動支付系統的資料處理方法，該店家應用程式係透過一通訊協定以開啟該電子錢包。 According to the data processing method of the cross-APP mobile payment system that does not require transaction bypassing as described in claim 5, the store application opens the electronic wallet through a communication protocol.

如請求項6所述之無需交易繞送作業的跨APP行動支付系統的資料處理方法，該通訊協定包括一統一資源定位符協定。 As described in claim 6, the data processing method of a cross-APP mobile payment system that does not require transaction bypass operations, the communication protocol includes a uniform resource locator protocol.

如請求項1至7中任一項所述之無需交易繞送作業的跨APP行動支付系統的資料處理方法，該行動裝置透過網路登入一應用程式商店，並下載該店家發行的該店家應用程式以及一代理行動支付機構發行的該電子錢包。 The data processing method of a cross-APP mobile payment system that does not require transaction bypass operations as described in any of claims 1 to 7, the mobile device logs in to an application store via the Internet and downloads the store application issued by the store Program and the electronic wallet issued by an agent mobile payment institution.

一種無需交易繞送作業的跨APP行動支付系統，其包括：一店家裝置，係設置於一店家，該店家裝置係具有一圖碼；一店家應用伺服器，係與網路連結；一代理支付伺服器，係與透過網路與該店家應用伺服器連結；一使用者的行動裝置，其安裝有一店家應用程式以及一預設有多數虛擬卡片的電子錢包，該店家應用程式與該電子錢包連結，並且該店家應用程式、該電子錢包分別透過網路與該店家應用伺服器、該代理支付伺服器連結；其中，由該行動裝置執行該店家應用程式，並取得該店家裝置提供的該圖碼及解析該圖碼而取得交易金額；該行動裝置的店家應用程式根據該圖碼而取得的交易金額產生並發送一付款通知至該店家應用伺服器，並由該店家應用伺服器回傳一交易憑證資訊；當該行動裝置的店家應用程式收到該交易憑證資訊，則根據該交易憑證資訊開啟該電子錢包進行選擇虛擬卡片付款；並且由該行動裝置發送一QR Code授權交易資訊至該代理支付伺服器，再由該代理支付伺服器將一交易結果回傳至該行動裝置，以即時顯示在該行動裝置上。 A cross-app mobile payment system that does not require transaction bypass operations, including: a store device, which is installed in a store, and the store device has a graphic code; a store application server, which is connected to the network; and an agent payment The server is connected to the store application server through the network; a user's mobile device is installed with a store application and an electronic wallet with a plurality of virtual cards by default, and the store application is connected to the electronic wallet , And the store application and the e-wallet are connected to the store application server and the proxy payment server through the network respectively; wherein, the mobile device executes the store application and obtains the code provided by the store device And parse the code to obtain the transaction amount; the store application of the mobile device generates and sends a payment notification to the store application server according to the transaction amount obtained by the code, and the store application server returns a transaction Certificate information; when the store application of the mobile device receives the transaction certificate information, the electronic wallet is opened according to the transaction certificate information to select a virtual card payment; and the mobile device sends a QR Code to authorize the transaction information to the agent to pay The server, and then the agent payment server returns a transaction result to the mobile device for real-time display on the mobile device.

如請求項9所述之無需交易繞送作業的跨APP行動支付系統，該店家裝置包括一電腦裝置，並於該店家結帳時提供顯示該含消費相關資訊的圖碼，該圖碼包括一QR Code；該行動裝置包括一智慧型手機、一平板電腦或一筆記型電腦；該電子錢包係供預設有多數虛擬卡片；當該行動裝置對該圖碼進行掃碼後，該店家應用程式提供一支付工具選擇頁面，該支付工具選擇頁面具有預設的多數支付工具資訊供選擇。 As described in claim 9, a cross-APP mobile payment system that does not require transaction bypass operations, the store device includes a computer device and provides a picture showing the consumption-related information when the store checkout Code, the code includes a QR Code; the mobile device includes a smartphone, a tablet computer or a notebook computer; the electronic wallet is provided with a plurality of virtual cards by default; when the mobile device scans the code After the code, the store application provides a payment tool selection page, and the payment tool selection page has a preset number of payment tool information for selection.