TWI795690B - Method and system for integrating financial payment platform - Google Patents
Method and system for integrating financial payment platform Download PDFInfo
- Publication number
- TWI795690B TWI795690B TW109139317A TW109139317A TWI795690B TW I795690 B TWI795690 B TW I795690B TW 109139317 A TW109139317 A TW 109139317A TW 109139317 A TW109139317 A TW 109139317A TW I795690 B TWI795690 B TW I795690B
- Authority
- TW
- Taiwan
- Prior art keywords
- payment
- server
- information
- financial
- account information
- Prior art date
Links
Images
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
本發明係提供一種整合金融支付平台之方法及其系統,其以消費端電子裝置於銷售端伺服器之交易頁面進行交易時,消費端電子裝置接收交易資訊後,將連結支付伺服器,支付伺服器連結仲介主機,仲介主機將讀取對應消費端電子裝置所儲存於支付伺服器中對應的帳戶資訊,此時仲介主機傳遞交易資訊給對應於帳戶資訊之金融伺服器,最後由金融伺服器確定帳戶資訊,且依據交易資訊扣除欲付款金額,如此一來,銷售端伺服器與金融伺服器不需逐一進行直連,而可提供消費端電子裝置以現有帳戶資訊進行扣款,增加其便利性以及降低開發成本。The present invention provides a method and system for integrating a financial payment platform. When a consumer electronic device conducts a transaction on a transaction page of a sales server, the consumer electronic device will connect to the payment server after receiving the transaction information. The intermediary host will connect to the intermediary host, and the intermediary host will read the corresponding account information stored in the payment server in the corresponding consumer electronic device. At this time, the intermediary host will transmit the transaction information to the financial server corresponding to the account information, and finally the financial server will determine account information, and deduct the amount to be paid based on the transaction information. In this way, the sales server and the financial server do not need to be directly connected one by one, but the consumer electronic device can be used to debit the existing account information, increasing its convenience. and reduce development costs.
Description
本發明係關於一種整合金融支付平台之方法及其系統。The invention relates to a method and system for integrating a financial payment platform.
隨著數位金融的多元發展,加上大眾大多人手一機的情況下,其消費方式亦逐漸有了轉變,其中現金支付的比例逐年遞減,而塑膠貨幣支付及行動支付的使用比例則逐年遞增,這樣的轉變同時使得以往人們至實體店面進行購物之習慣也逐漸改變,迎接而來的是網路購物的大流行。With the diversified development of digital finance and the fact that most of the public have a mobile phone, their consumption patterns have gradually changed. Among them, the proportion of cash payment is decreasing year by year, while the proportion of plastic currency payment and mobile payment is increasing year by year. Such a change has also gradually changed people's habit of shopping in physical stores in the past, and what is coming is the popularity of online shopping.
網路購物又稱網購,其為電子商務交易的形式之一,消費者透過網頁瀏覽器於網際網路上購買需要的商品或服務,由於線上購物不受時間及地點的限制,不須等待實體店面的營業時間,取而代之的是二十四小時全年無休的網路店面,因此’僅需要在行動裝置或電腦上操作,於網頁上點擊欲購買的物品,並透過塑膠貨幣支付或行動支付或貨到付款形式進行結帳,即可享有到貨服務。Online shopping, also known as online shopping, is one of the forms of e-commerce transactions. Consumers purchase the desired goods or services on the Internet through a web browser. Since online shopping is not limited by time and place, there is no need to wait for physical stores The business hours are replaced by a 24-hour online storefront throughout the year, so you only need to operate on a mobile device or computer, click on the item you want to buy on the web page, and pay through plastic money or mobile payment or goods Go to the form of payment for checkout, and you can enjoy the delivery service.
且依據經濟部統計處可知,電子購物業由於近年來網購市場快速成長,以年增4.8%幅度成長,且連續11年皆為正成長,其中營業額平均年成長7.4%,而優於整體零售業1.9%及無店面零售業5.6%,加上行動化應用提升,其支付方式相當簡便,也大幅提升消費者於網路購物消費之意願。And according to the Statistics Office of the Ministry of Economic Affairs, due to the rapid growth of the online shopping market in recent years, the e-shopping industry has grown at an annual rate of 4.8%, and has maintained positive growth for 11 consecutive years. The average annual growth rate of turnover is 7.4%, which is better than the overall retail sales. 1.9% of the retail industry and 5.6% of the non-store retail industry. Coupled with the improvement of mobile applications, the payment method is quite simple, and it has also greatly increased consumers' willingness to shop online.
惟習知電子商務的網路交易,消費者需透過銷售端限定的支付方式進行支付,如僅提供***扣款等,如此一來,消費者則必須擁有***才可於銷售端進行交易,再者,即便提供金融卡扣款,銷售端仍須逐一與各家金融機構進行簽約綁定,才可連結至消費者指定之存款帳戶進行實質交易扣款,其直連方式成本高昂,且無法涵蓋所有金融機構,造成服務缺口及不便。However, in the online transactions of e-commerce, consumers need to pay through the payment methods limited by the sales end, such as only providing credit card deduction, etc. In this way, consumers must have a credit card to conduct transactions at the sales end. Or, even if deduction by financial card is provided, the seller still has to sign a contract with each financial institution one by one before linking to the deposit account designated by the consumer for actual transaction deduction. The direct connection method is costly and cannot cover All financial institutions, resulting in service gaps and inconveniences.
依據上述內容可以知道,本發明為提供一種整合金融支付平台之方法及其系統,可透過本發明之仲介主機提供支付伺服器與金融伺服器之間的帳戶資訊連結扣款,而消費端電子裝置經銷售端伺服器點擊商品進行結帳時,可連結至消費端電子裝置於支付伺服器所儲存之帳戶資訊,使得用戶不須申辦***,即可享有金融帳戶線上即時付款之便利性,同時,銷售端伺服器亦可提供多元支付方式,而不需逐一與各家金融伺服器進行連結驗證,大幅減少銷售端伺服器直連各家金融機構之成本及驗證流程,並提供消費端電子裝置以現有的金融帳戶進行支付,而大幅增加便利性。Based on the above content, it can be known that the present invention provides a method and system for integrating financial payment platforms. The intermediary host of the present invention can provide account information linking and deduction between the payment server and the financial server, and the consumer electronic device When the product is clicked on the sales server for checkout, it can be linked to the account information stored in the payment server of the consumer electronic device, so that the user can enjoy the convenience of online real-time payment of the financial account without applying for a credit card. At the same time, The point-of-sale server can also provide multiple payment methods, without the need to link and verify with each financial server one by one, greatly reducing the cost and verification process of the point-of-sale server directly connecting to various financial institutions, and providing consumer electronic devices to Existing financial accounts to make payments, while greatly increasing convenience.
本發明之一目的,在於提供一種整合金融支付平台之方法,其提供支付伺服器與金融伺服器之間的帳戶資訊連結扣款,而消費端電子裝置經銷售端伺服器點擊商品進行結帳時,可連結至消費端電子裝置於支付伺服器所儲存之帳戶資訊,使得銷售端伺服器不需逐一與各家金融伺服器進行連結驗證,大幅減少銷售端伺服器直連各家金融機構之成本及驗證流程,並提供消費端電子裝置以現有的金融帳戶進行支付,而大幅增加便利性。An object of the present invention is to provide a method for integrating financial payment platforms, which provides account information link deduction between the payment server and the financial server, and when the consumer electronic device clicks on the product through the sales server to check out , can be linked to the account information stored in the payment server of the consumer electronic device, so that the sales server does not need to verify the connection with each financial server one by one, greatly reducing the cost of direct connection of the sales server to each financial institution And the verification process, and provide consumer electronic devices to pay with existing financial accounts, which greatly increases convenience.
本發明之另一目的,在於提供一種整合金融支付平台之系統,其金融伺服器可透過仲介主機與支付伺服器連結,以提供銷售端伺服器支援各家金融伺服器之交易服務,大幅增加其便利性以及降低技術成本。Another object of the present invention is to provide a system for integrating financial payment platforms, the financial server of which can be connected to the payment server through an intermediary host to provide the sales server to support the transaction services of each financial server, greatly increasing its Convenience and reduced technology costs.
針對上述之目的,本發明提供一種整合金融支付平台之方法,一消費端電子裝置連結至一銷售端伺服器之一交易頁面;該消費端電子裝置於該交易頁面點擊至少一商品資訊,以生成並傳送一交易資訊;該消費端電子裝置接收該交易資訊並連結一支付伺服器;該支付伺服器連結一仲介主機,該仲介主機讀取對應該消費端電子裝置所儲存於該支付伺服器對應之一帳戶資訊;該仲介主機傳遞該交易資訊給對應該帳戶資訊之一金融伺服器;及該金融伺服器確認該帳戶資訊並依據該交易資訊予以扣除一付款金額。For the above purpose, the present invention provides a method for integrating financial payment platforms. A consumer electronic device is connected to a transaction page of a sales server; the consumer electronic device clicks on at least one product information on the transaction page to generate and send a transaction information; the consumer electronic device receives the transaction information and connects to a payment server; the payment server connects to an intermediary host, and the intermediary host reads the corresponding one account information; the intermediary host transmits the transaction information to a financial server corresponding to the account information; and the financial server confirms the account information and deducts a payment amount according to the transaction information.
本發明提供一實施例,其中於該支付伺服器連結一仲介主機,該仲介主機讀取對應該消費端電子裝置所儲存於該支付伺服器對應之一帳戶資訊之步驟前,包含步驟:該消費端電子裝置於該支付伺服器之一第一約定驗證頁面輸入該帳戶資訊,並傳送一第一約定驗證請求;該支付伺服器經該仲介主機傳遞該第一約定驗證請求至對應於該帳戶資訊之該金融伺服器;及該金融伺服器依據該第一約定驗證請求進行約定驗證,並儲存該帳戶資訊至該支付伺服器。The present invention provides an embodiment, wherein the payment server is connected to an intermediary host, and the intermediary host reads the corresponding account information stored in the payment server corresponding to the consumer electronic device, including the step of: the consumption The terminal electronic device enters the account information on a first agreement verification page of the payment server, and sends a first agreement verification request; the payment server transmits the first agreement verification request to the corresponding account information through the intermediary host The financial server; and the financial server performs agreed verification according to the first agreed verification request, and stores the account information to the payment server.
本發明提供一實施例,其中於該支付伺服器經該仲介主機傳遞該第一約定驗證請求至對應於該帳戶資訊之該金融伺服器之步驟中,該仲介主機依據該金融伺服器之一連線機制傳送該約定驗證請求。The present invention provides an embodiment, wherein in the step where the payment server transmits the first agreement verification request to the financial server corresponding to the account information through the intermediary host, the intermediary host, according to a link of the financial server The over-the-wire mechanism transmits the contract verification request.
本發明提供一實施例,該連線機制為主機連線或應用程式介面(Application Programming Interface, API)。The present invention provides an embodiment, the connection mechanism is a host connection or an application programming interface (Application Programming Interface, API).
本發明提供另一實施例,其中於該消費端電子裝置於該交易頁面點擊至少一商品資訊,以生成並傳送一交易資訊之步驟後,包含步驟:該消費端電子裝置於一支付應用程式之一第二約定驗證頁面輸入該帳戶資訊,並傳送一第二驗證請求;該支付應用程式經該仲介主機傳遞該第二約定驗證請求至對應於該帳戶資訊之該金融伺服器;及該金融伺服器依據該第二約定驗證請求進行約定驗證,並儲存該帳戶資訊至該支付應用程式。The present invention provides another embodiment, wherein after the consumer electronic device clicks at least one commodity information on the transaction page to generate and transmit a transaction information, it includes the step of: the consumer electronic device clicks on a payment application a second agreed verification page to input the account information, and send a second verification request; the payment application transmits the second agreed verification request to the financial server corresponding to the account information through the intermediary host; and the financial server The device performs contract verification according to the second contract verification request, and stores the account information to the payment application program.
本發明提供另一實施例,其中於該金融伺服器依據該第二約定驗證請求進行約定驗證,並儲存該帳戶資訊至該支付應用程式之步驟後,包含步驟:該支付應用程式依據該交易資訊掃描一銷售端條碼,取得一銷售端條碼資訊,傳送至該仲介主機;及該仲介主機依據該銷售端條碼資訊向該帳戶資訊對應之該金融伺服器請款,並取得對應該交易資訊之一金額。The present invention provides another embodiment, wherein after the steps of the financial server performing contract verification according to the second contract verification request and storing the account information to the payment application program, include the step of: the payment application program according to the transaction information Scan a barcode at the sales end, obtain a barcode information at the sales end, and send it to the intermediary host; and the intermediary host requests money from the financial server corresponding to the account information based on the bar code information at the sales end, and obtains one of the corresponding transaction information amount.
本發明提供再一實施例,其中於該金融伺服器依據該第二約定驗證請求進行約定驗證,並儲存該帳戶資訊至該支付應用程式之步驟後,包含步驟:該支付應用程式依據該交易資訊生成一消費端條碼;該銷售伺服器掃描該消費端條碼,取得一消費端條碼資訊,傳送至該仲介主機;及該仲介主機依據該消費端條碼資訊向該帳戶資訊對應之該金融伺服器請款,並取得對應該交易資訊之該金額。The present invention provides yet another embodiment, wherein after the steps of the financial server performing contract verification according to the second contract verification request, and storing the account information to the payment application program, include the step of: the payment application program according to the transaction information Generate a consumer-end barcode; the sales server scans the consumer-end barcode, obtains a consumer-end barcode information, and sends it to the intermediary host; and the intermediary host asks the financial server corresponding to the account information based on the consumer-end barcode information and obtain the amount corresponding to the transaction information.
針對上述之另一目的,本發明提供一種整合金融支付平台之系統,其包含:一銷售端伺服器,其具有一交易頁面;一消費端電子裝置,其與該銷售端伺服器之該交易頁面連結;一支付伺服器,其與該消費端電子裝置連結;一仲介主機,其與該支付伺服器連結;及一金融伺服器,其對應一帳戶資訊,且與該仲介主機連結; 其中該消費端電子裝置於該交易頁面點擊至少一商品資訊,以生成並傳送一交易資訊,該消費端電子裝置接收該交易資訊,該仲介主機讀取對應該消費端電子裝置所儲存於該支付伺服器對應之該帳戶資訊,該仲介主機傳遞該交易資訊給對應該帳戶資訊之該金融伺服器,該金融伺服器確認該帳戶資訊並依據該交易資訊予以扣除一付款金額。For the above-mentioned another purpose, the present invention provides a system for integrating financial payment platforms, which includes: a sales server, which has a transaction page; a consumer electronic device, and the transaction page of the sales server link; a payment server, which is linked with the consumer electronic device; an intermediary host, which is linked with the payment server; and a financial server, which corresponds to an account information, and is linked with the intermediary host; The terminal electronic device clicks at least one product information on the transaction page to generate and transmit a transaction information, the consumer electronic device receives the transaction information, and the intermediary host reads the corresponding transaction information stored in the payment server corresponding to the consumer electronic device. For the account information, the intermediary host sends the transaction information to the financial server corresponding to the account information, and the financial server confirms the account information and deducts a payment amount according to the transaction information.
本發明提供一實施例,其中該消費端電子裝置於該支付伺服器之一第一約定驗證頁面輸入該帳戶資訊,並傳送一第一約定驗證請求,該支付伺服器經該仲介主機傳遞該第一約定驗證請求至對應於該帳戶資訊之該金融伺服器,該金融伺服器依據該第一約定驗證請求進行約定驗證,並儲存該帳戶資訊至該支付伺服器。The present invention provides an embodiment, wherein the consumer electronic device inputs the account information on a first agreement verification page of the payment server, and sends a first agreement verification request, and the payment server transmits the first agreement verification request through the intermediary host An agreed verification request is sent to the financial server corresponding to the account information, and the financial server performs agreed verification according to the first agreed verification request, and stores the account information to the payment server.
本發明提供一實施例,其中於該支付伺服器經該仲介主機傳遞該第一約定驗證請求至對應於該帳戶資訊之該金融伺服器之步驟中,該仲介主機依據該金融伺服器之一連線機制傳送該第一約定驗證請求。The present invention provides an embodiment, wherein in the step where the payment server transmits the first agreement verification request to the financial server corresponding to the account information through the intermediary host, the intermediary host, according to a link of the financial server The wire mechanism transmits the first agreement verification request.
本發明提供一實施例,其中該連線機制為主機連線或應用程式介面(Application Programming Interface, API)。The present invention provides an embodiment, wherein the connection mechanism is a host connection or an application programming interface (Application Programming Interface, API).
本發明提供另一實施例,更包含一支付應用程式,其分別連結該消費端電子裝置及該仲介主機,其中該消費端電子裝置於該支付應用程式之一第二約定驗證頁面輸入該帳戶資訊,並傳送一第二驗證請求,該支付應用程式經該仲介主機傳遞該第二約定驗證請求至對應於該帳戶資訊之該金融伺服器,該金融伺服器依據該第二約定驗證請求進行約定驗證,並儲存該帳戶資訊至該支付應用程式。The present invention provides another embodiment, which further includes a payment application, which is respectively connected to the consumer electronic device and the intermediary host, wherein the consumer electronic device enters the account information on a second agreed verification page of the payment application , and send a second verification request, the payment application transfers the second agreed verification request to the financial server corresponding to the account information through the intermediary host, and the financial server performs agreed verification according to the second agreed verification request , and save the account information to the payment application.
本發明提供另一實施例,其中該支付應用程式依據該交易資訊掃描一銷售端條碼,取得一銷售端條碼資訊,傳送至該仲介主機,該仲介主機依據該銷售端條碼資訊向該帳戶資訊對應之該金融伺服器請款,並取得對應於該交易資訊之一金額。The present invention provides another embodiment, wherein the payment application program scans a sales terminal barcode according to the transaction information, obtains a sales terminal barcode information, and sends it to the intermediary host, and the intermediary host corresponds to the account information according to the sales terminal barcode information Request money from the financial server, and obtain an amount corresponding to the transaction information.
本發明提供再一實施例,其中該支付應用程式依據該交易資訊生成一消費端條碼,該銷售伺服器掃描該消費端條碼,取得一消費端條碼資訊,傳送至該仲介主機,該仲介主機依據該消費端條碼資訊向該帳戶資訊對應之該金融伺服器請款,並取得對應該交易資訊之該金額。The present invention provides yet another embodiment, wherein the payment application program generates a consumer-end barcode based on the transaction information, the sales server scans the consumer-end barcode, obtains a consumer-end barcode information, and sends it to the intermediary host, and the intermediary host according to The consumer-end barcode information requests money from the financial server corresponding to the account information, and obtains the amount corresponding to the transaction information.
為使 貴審查委員對本發明之特徵及所達成之功效有更進一步之瞭解與認識,謹佐以較佳之實施例及配合詳細之說明,說明如後:In order to enable your review committee members to have a further understanding and understanding of the characteristics of the present invention and the achieved effects, I would like to provide a better embodiment and a detailed description, as follows:
習知支付方式需透過銷售端伺服器逐一與各家金融伺服器進行直連,而消費端電子裝置則必須以銷售端伺服器所直連之各家金融主機進行支付,為此,本發明提供一種整合金融支付平台之方法及其系統,其支付伺服器經仲介主機與金融伺服器進行連結,銷售端伺服器支援各家金融伺服器之交易服務,大幅增加其便利性以及降低技術成本,使得銷售端伺服器與金融伺服器不需逐一進行連結,同時提供消費端電子裝置以現有的金融帳戶,提升消費端之便利性。The conventional payment method needs to be directly connected to each financial server one by one through the sales server, and the consumer electronic device must be paid with each financial host directly connected to the sales server. Therefore, the present invention provides A method and system for integrating a financial payment platform, the payment server is connected to the financial server through an intermediary host, and the sales server supports the transaction services of each financial server, greatly increasing its convenience and reducing technical costs, making The sales server and the financial server do not need to be connected one by one, and at the same time, the consumer electronic device is provided with the existing financial account, which improves the convenience of the consumer.
在下文中,將藉由圖式來說明本發明之各種實施例來詳細描述本發明。然而本發明之概念可能以許多不同型式來體現,且不應解釋為限於本文中所闡述之例式性實施例。Hereinafter, the present invention will be described in detail by illustrating various embodiments of the present invention by means of the accompanying drawings. Inventive concepts may, however, be embodied in many different forms and should not be construed as limited to the illustrative embodiments set forth herein.
首先,請參閱第一圖,其為本發明之一實施例之方法流程圖。如圖所示,其為一種整合金融支付平台之方法,其步驟包含:First, please refer to the first figure, which is a flow chart of a method of an embodiment of the present invention. As shown in the figure, it is a method of integrating financial payment platforms, and its steps include:
步驟S1: 一消費端電子裝置連結至一銷售端伺服器之一交易頁面;Step S1: A consumer electronic device is connected to a transaction page of a sales server;
步驟S3: 該消費端電子裝置於該交易頁面點擊至少一商品資訊,以生成並傳送一交易資訊;Step S3: The consumer electronic device clicks on at least one product information on the transaction page to generate and transmit a transaction information;
步驟S5: 該消費端電子裝置接收該交易資訊並連結一支付伺服器;Step S5: The consumer electronic device receives the transaction information and connects to a payment server;
步驟S7: 該支付伺服器連結一仲介主機,該仲介主機讀取對應該消費端電子裝置所儲存於該支付伺服器對應之一帳戶資訊;Step S7: The payment server is connected to an intermediary host, and the intermediary host reads an account information corresponding to the consumer electronic device stored in the payment server;
步驟S9: 該仲介主機傳遞該交易資訊給對應該帳戶資訊之一金融伺服器;及Step S9: the intermediary host sends the transaction information to a financial server corresponding to the account information; and
步驟S11: 該金融伺服器確認該帳戶資訊並依據該交易資訊予以扣除一付款金額。Step S11: The financial server confirms the account information and deducts a payment amount according to the transaction information.
請一併參閱第二圖,其為本發明之一實施例之系統示意圖。如圖所示,其為一種整合金融支付平台之系統,其包含銷售端伺服器1、消費端電子裝置2、支付伺服器3、仲介主機4及金融伺服器5,其中銷售端伺服器1具有交易頁面A,並可透過網際網路與消費端電子裝置2連結;支付伺服器3與消費端電子裝置2連結,而仲介主機4與支付伺服器3連結;及金融伺服器5對應帳戶資訊51,且與仲介主機4連結,並以整合金融支付平台之系統執行整合金融支付平台之方法,分述如下。Please also refer to the second figure, which is a system diagram of an embodiment of the present invention. As shown in the figure, it is a system integrating a financial payment platform, which includes a
如步驟S1所示,本實施例於消費端電子裝置2連結至銷售端伺服器1之交易頁面A,其中消費端電子裝置2包含但不僅限於智慧型手機、個人電腦、平板電腦或筆記型電腦。As shown in step S1, in this embodiment, the consumer
如步驟S3所示,消費端電子裝置2於交易頁面A點擊至少一商品資訊,以生成對應之交易資訊,其中交易資訊具有商品資訊、銷售端伺服器1之收帳資訊以及銷售端伺服器之轉址指令。As shown in step S3, the consumer
如步驟S5所示,消費端電子裝置2接收交易資訊並連結支付伺服器3,接續如步驟S7所示,支付伺服器3連結至仲介主機4,此時仲介主機4將讀取對應於消費端電子裝置2儲存於支付伺服器3對應之帳戶資訊51。As shown in step S5, the consumer
如步驟S9所示,仲介主機4傳遞交易資訊給對應於帳戶資訊51之金融伺服器5,最後如步驟S11所示,金融伺服器5將確認帳戶資訊51並依據交易資訊扣除付款金額。As shown in step S9, the
復閱第二圖,當消費端電子裝置並未儲存任何帳戶資訊51至支付伺服器3時,更進一步於步驟S5後,可包含步驟:Referring back to the second figure, when the consumer electronic device does not store any
步驟S51: 該消費端電子裝置於該支付伺服器之一第一約定驗證頁面輸入該帳戶資訊,並傳送一第一約定驗證請求;Step S51: The consumer electronic device enters the account information on a first agreed verification page of the payment server, and sends a first agreed verification request;
步驟S53: 該支付伺服器經該仲介主機傳遞該第一約定驗證請求至對應於該帳戶資訊之該金融伺服器;及Step S53: the payment server transmits the first agreed verification request to the financial server corresponding to the account information via the intermediary host; and
步驟S55: 該金融伺服器依據該第一約定驗證請求進行約定驗證,並儲存該帳戶資訊至該支付伺服器。Step S55: The financial server performs contract verification according to the first contract verification request, and stores the account information to the payment server.
如步驟S51所示,當消費端電子裝置2並不曾於支付伺服器3儲存任何帳戶資訊51時,消費端電子裝置2將連結至支付伺服器3之第一約定驗證頁面,並且輸入任一帳戶資訊51,並且傳送第一約定驗證請求,接續如步驟S53所示,支付伺服器3經仲介主機4傳遞第一約定驗證請求至對應於帳戶資訊51之金融伺服器5。As shown in step S51, when the consumer
最後如步驟S55所示,金融伺服器5依據第一約定驗證請求進行約定驗證後,儲存其所輸入之帳戶資訊51至支付伺服器3,即完成約定連結,此時,仲介主機4將可讀取對應於消費端電子裝置1儲存於支付伺服器3對應之帳戶資訊51,其中帳戶資訊亦可為多個不同之帳戶資訊51。Finally, as shown in step S55, after the
請參閱第三圖及第四圖,其為本發明另一實施例之方法流程圖與系統示意圖,如圖所示,本實施例與前一實施例差異在於其採用支付應用程式APP,因此更進一步於步驟S3後,包含步驟:Please refer to the third figure and the fourth figure, which are the method flow chart and system schematic diagram of another embodiment of the present invention. As shown in the figure, the difference between this embodiment and the previous embodiment is that it uses the payment application APP, so it is more Further after step S3, steps are included:
步驟S31:該消費端電子裝置於一支付應用程式之一第二約定驗證頁面輸入該帳戶資訊,並傳送一第二驗證請求;Step S31: The consumer electronic device enters the account information on a second agreed verification page of a payment application, and sends a second verification request;
步驟S33:該支付應用程式經該仲介主機傳遞該第二約定驗證請求至對應於該帳戶資訊之該金融伺服器;及Step S33: the payment application transmits the second agreed verification request to the financial server corresponding to the account information via the intermediary host; and
步驟S35:該金融伺服器依據該第二約定驗證請求進行約定驗證,並儲存該帳戶資訊至該支付應用程式。Step S35: The financial server performs contract verification according to the second contract verification request, and stores the account information to the payment application.
如步驟S31所示,消費端電子裝置2於支付應用程式APP之第二約定驗證頁面,並且輸入任一帳戶資訊51,並且傳送第二約定驗證請求,接續如步驟S33所示,支付應用程式APP經仲介主機4傳遞第二約定驗證請求至對應於帳戶資訊51之金融伺服器5。As shown in step S31, the consumer
最後如步驟S35所示,金融伺服器5依據第二約定驗證請求進行約定驗證後,儲存其所輸入之帳戶資訊51至支付應用程式APP,即完成約定連結,此時,仲介主機4將可讀取對應於消費端電子裝置1儲存於支付應用程式APP對應之帳戶資訊51,其中帳戶資訊亦可為多個不同之帳戶資訊51。Finally, as shown in step S35, after the
復閱第三圖,本發明之另一實施例可更進一步於步驟S35後,包含步驟:Referring back to the third figure, another embodiment of the present invention can further include steps after step S35:
步驟S351:該支付應用程式依據該交易資訊掃描一銷售端條碼,生成一銷售端條碼資訊,傳送至該仲介主機;及Step S351: the payment application scans a barcode of the sales terminal according to the transaction information, generates a barcode information of the sales terminal, and sends it to the intermediary host; and
步驟S353:該仲介主機依據該銷售端條碼資訊向該帳戶資訊對應之該金融伺服器請款,並取得對應該交易資訊之一金額。Step S353: The intermediary host requests money from the financial server corresponding to the account information according to the barcode information of the sales terminal, and obtains an amount corresponding to the transaction information.
如步驟S351所示,支付應用程式APP將依據其交易資訊掃描銷售端條碼,取得銷售端條碼資訊傳送至仲介主機4,其中銷售端條碼資訊具有銷售端使用之金融帳戶資訊,用以接收交易時消費端繳付之金額,並接續如步驟S353所示,仲介主機4依據銷售端條碼資訊向帳戶資訊51對應之金融伺服器5請款,並取得金額。As shown in step S351, the payment application APP scans the barcode of the sales terminal according to its transaction information, obtains the barcode information of the sales terminal and sends it to the
請參閱第五圖,其為本發明提供之再一實施例,如圖所示,其與前一實施例差異僅在於步驟S35後,包含步驟:Please refer to the fifth figure, which is another embodiment provided by the present invention. As shown in the figure, its difference from the previous embodiment is only after step S35, including steps:
步驟S352:該支付應用程式依據該交易資訊生成一消費端條碼;Step S352: the payment application program generates a consumer-end barcode according to the transaction information;
步驟S354:該銷售伺服器掃描該消費端條碼,取得一消費端條碼資訊,傳送至該仲介主機;及Step S354: the sales server scans the barcode of the consumer end, obtains a barcode information of the consumer end, and sends it to the intermediary host; and
步驟S356:該仲介主機依據該消費端條碼資訊向該帳戶資訊對應之該金融伺服器請款,並取得對應該交易資訊之該金額。Step S356: The intermediary host requests money from the financial server corresponding to the account information according to the barcode information of the consumer terminal, and obtains the amount corresponding to the transaction information.
如步驟S352所示,本發明之第三實施例係以支付應用程式APP依據交易資訊生成消費端條碼,並接續如步驟S354所示,提供銷售伺服器1掃描消費端條碼,以取得消費端條碼資訊傳送至仲介主機4,其中消費端條碼資訊具有帳戶資訊51及對應交易資訊之金額。As shown in step S352, the third embodiment of the present invention is to use the payment application program APP to generate the barcode of the consumer end according to the transaction information, and then as shown in step S354, provide the
最後如步驟S356所示,仲介主機4依據消費端條碼資訊向帳戶資訊51對應之金融伺服器5請款,以取得金額。Finally, as shown in step S356, the
以上所述之實施例,本發明提供一種整合金融支付平台之方法及其系統,可透過仲介主機提供支付伺服器或支付應用程式與金融伺服器之間的帳戶資訊連結扣款,當消費端電子裝置於銷售端伺服器之交易頁面欲進行結帳時,可連結透過仲介主機讀取消費端電子裝置儲存於支付伺服器或支付應用程式之帳戶資訊,使得用戶不須申辦***,即可享有金融帳戶線上即時付款之便利性,同時,銷售端伺服器不需逐一與各家金融伺服器進行連結驗證,大幅減少銷售端伺服器直連各家金融機構之成本及驗證流程,並提供消費端電子裝置以現有的金融帳戶進行支付,而大幅增加便利性。In the embodiment described above, the present invention provides a method and system for integrating financial payment platforms, which can provide payment servers or payment application programs and account information link debits between payment servers and financial servers through intermediary hosts. When the transaction page of the device on the sales server is to be checked out, the intermediary host can be connected to read the account information stored in the payment server or payment application on the consumer electronic device, so that the user can enjoy financial benefits without applying for a credit card. The convenience of online real-time payment of the account, at the same time, the sales server does not need to link and verify with each financial server one by one, which greatly reduces the cost and verification process of the sales server directly connecting to various financial institutions, and provides consumer electronics The device pays with existing financial accounts, greatly increasing convenience.
故本發明實為一具有新穎性、進步性及可供產業上利用者,應符合我國專利法專利申請要件無疑,爰依法提出發明專利申請,祈鈞局早日賜准專利,至感為禱。Therefore, the present invention is novel, progressive and can be used in the industry. It should meet the patent application requirements of my country's patent law. I file an invention patent application in accordance with the law. I pray that the bureau will grant the patent as soon as possible. I am sincerely praying.
惟以上所述者,僅為本發明之較佳實施例而已,並非用來限定本發明實施之範圍,舉凡依本發明申請專利範圍所述之形狀、構造、特徵及精神所為之均等變化與修飾,均應包括於本發明之申請專利範圍內。However, the above-mentioned ones are only preferred embodiments of the present invention, and are not used to limit the scope of the present invention. For example, all equal changes and modifications are made according to the shape, structure, characteristics and spirit described in the scope of the patent application of the present invention. , should be included in the patent application scope of the present invention.
1:銷售端伺服器 2:消費端電子裝置 3:支付伺服器 4:仲介主機 5:金融伺服器 51:帳戶資訊 A:交易頁面 APP:支付應用程式 S1-S356:步驟 1: Sales server 2: Consumer electronic devices 3:Payment server 4: Intermediary host 5: Financial server 51:Account Information A: Trading page APP: payment application S1-S356: Steps
第一圖:其為本發明之一實施例之方法流程圖; 第二圖:其為本發明之一實施例之系統示意圖; 第三圖:其為本發明之另一實施例之方法流程圖; 第四圖:其為本發明之另一實施例之系統示意圖;及 第五圖:其為本發明之再一實施例之方法流程圖。 The first figure: it is a method flow chart of an embodiment of the present invention; The second figure: it is a system schematic diagram of an embodiment of the present invention; The third figure: it is a method flow chart of another embodiment of the present invention; Figure 4: It is a system schematic diagram of another embodiment of the present invention; and The fifth figure: it is a flow chart of the method of another embodiment of the present invention.
S1-S11:步驟 S1-S11: Steps
Claims (14)
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
TW109139317A TWI795690B (en) | 2020-11-11 | 2020-11-11 | Method and system for integrating financial payment platform |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
TW109139317A TWI795690B (en) | 2020-11-11 | 2020-11-11 | Method and system for integrating financial payment platform |
Publications (2)
Publication Number | Publication Date |
---|---|
TW202219858A TW202219858A (en) | 2022-05-16 |
TWI795690B true TWI795690B (en) | 2023-03-11 |
Family
ID=82558692
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
TW109139317A TWI795690B (en) | 2020-11-11 | 2020-11-11 | Method and system for integrating financial payment platform |
Country Status (1)
Country | Link |
---|---|
TW (1) | TWI795690B (en) |
Citations (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN105164707A (en) * | 2012-09-15 | 2015-12-16 | 周海斌 | Facilitating mobile device payments using mobile payment account, mobile barcode and universal digital mobile currency |
US9947007B2 (en) * | 2013-01-27 | 2018-04-17 | Barry Greenbaum | Payment information technologies |
TWI623897B (en) * | 2017-01-26 | 2018-05-11 | Mobile device remote one-time verification payment method | |
CN110070348A (en) * | 2009-01-08 | 2019-07-30 | Visa欧洲有限公司 | Transaction processing system and transaction processing method |
TWI682345B (en) * | 2017-02-08 | 2020-01-11 | 財金資訊股份有限公司 | Electronic payment transaction data processing method via inter-bank financial platform |
TWM612058U (en) * | 2020-11-11 | 2021-05-21 | 財金資訊股份有限公司 | System of integrated financial payment platform |
-
2020
- 2020-11-11 TW TW109139317A patent/TWI795690B/en active
Patent Citations (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN110070348A (en) * | 2009-01-08 | 2019-07-30 | Visa欧洲有限公司 | Transaction processing system and transaction processing method |
CN105164707A (en) * | 2012-09-15 | 2015-12-16 | 周海斌 | Facilitating mobile device payments using mobile payment account, mobile barcode and universal digital mobile currency |
US9947007B2 (en) * | 2013-01-27 | 2018-04-17 | Barry Greenbaum | Payment information technologies |
TWI623897B (en) * | 2017-01-26 | 2018-05-11 | Mobile device remote one-time verification payment method | |
TWI682345B (en) * | 2017-02-08 | 2020-01-11 | 財金資訊股份有限公司 | Electronic payment transaction data processing method via inter-bank financial platform |
TWM612058U (en) * | 2020-11-11 | 2021-05-21 | 財金資訊股份有限公司 | System of integrated financial payment platform |
Also Published As
Publication number | Publication date |
---|---|
TW202219858A (en) | 2022-05-16 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US8781960B2 (en) | Computerized method to accept and settle cash transaction payments | |
US8374932B2 (en) | Payment entity device transaction processing using multiple payment methods | |
US8874480B2 (en) | Centralized payment method and system for online and offline transactions | |
US8341046B2 (en) | Payment entity device reconciliation for multiple payment methods | |
US20160155103A1 (en) | Utilizing an electronic payment system to implement rebate programs | |
US20120078762A1 (en) | Method for Providing Donations to Third Parties During a Financial Transaction and Tracking the Details of the Financial Transactions For Donation Contributors and Recipients | |
US20090112659A1 (en) | Payment entity account set up for multiple payment methods | |
US20070011089A1 (en) | Electronic savings transfers | |
US20240127215A1 (en) | Systems and methods for providing manufacturer-based financial service accounts | |
KR101689815B1 (en) | Financial transaction service system using virtual sharing account | |
US20080319854A1 (en) | Reward system and method for online credit and debit card transactions | |
KR20210053162A (en) | System for providing pre-paying of online seller and method thereof | |
US20120101884A1 (en) | Reward system and method for online credit and debit card transactions | |
TW201727555A (en) | Shopping system instantly transmits merchandise sold quantity to the inventory management unit of seller end mode to immediately and quickly sort merchandise inventory | |
KR102269684B1 (en) | Real estate product related finance system and management method thereof | |
US8799089B1 (en) | Virtual payment system for the physical world | |
TWM612058U (en) | System of integrated financial payment platform | |
TWI795690B (en) | Method and system for integrating financial payment platform | |
AGABONIFO et al. | An Assessment of the Role of ICT in the Readiness of Nigerian Bank Customers for the Introduction of Cashless Transactions. | |
KR102040890B1 (en) | Method, apparatus and computer-readable medium for providing payment service, and computer program for executing method for obtaining payment page | |
TWM609751U (en) | System for digitizing payment method | |
TWI818198B (en) | Methods and systems for digitizing payment instruments | |
TWM605955U (en) | Mobile payment integration platform | |
TWM596914U (en) | Fund credit electronic payment system | |
TW202137098A (en) | Fund credit electronic payment system |