TWM588302U - System for mobile payment management - Google Patents
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Abstract
Description
本新型是有關於行動支付，特別是指一種行動支付管理系統。 The new model is related to mobile payment, especially a mobile payment management system.
為了因應政府「推動行動支付普及化」政策，市場上已發展出多種行動支付服務，例如，街口支付、Line Pay、Apple Pay等。在百家爭鳴的行動支付服務競爭下，各種不同的支付機構(例如，第三方支付機構、銀行機構等)在發展其通路時，往往因受限於有限的人力推廣資源而導致推廣成效不彰。另一方面，對於各種不同的商店(例如，實體商店、虛擬商店、無人商店等)、及/或服務機構(例如，大眾運輸機構、醫院機構、學校機構等)，若想要提供各種不同行動支付方式以便在付款時供客戶較多的選擇，將無法避免與每一支付機構進行繁雜的締約程序及花費相對較高的介接成本。 In response to the government's policy of “promoting the universalization of mobile payment”, a variety of mobile payment services have been developed in the market, such as street payment, Line Pay, Apple Pay, etc. Under the competition of hundreds of contentious mobile payment services, various payment institutions (for example, third-party payment institutions, banking institutions, etc.) are often limited in their limited human resources to promote their promotion efforts when developing their channels. On the other hand, for various stores (e.g., physical stores, virtual stores, unmanned stores, etc.), and / or service agencies (e.g., mass transit agencies, hospital agencies, school agencies, etc.), if you want to provide various actions In order to provide customers with more choices in payment, it will be impossible to avoid complicated contracting procedures with each payment institution and the relatively high cost of connection.
因此，如何發想出一種具有相對較低的介接成本與人 力成本並且有利於廣泛使用行動支付的行動支付管理方式遂成為一個重要課題。 So how to come up with a relatively low cost of The mobile payment management method which is cost-effective and facilitates the widespread use of mobile payment has become an important issue.
因此，本新型的目的，即在提供一種行動支付管理系統，其能克服現有技術的至少一缺點。 Therefore, the object of the present invention is to provide a mobile payment management system which can overcome at least one disadvantage of the prior art.
於是，本新型所提供的一種行動支付管理系統用於管理與一商家及一支付機構有關的行動支付，並包含一管理伺服器。該管理伺服器包括一第一通訊模組、一條碼產生模組、一第一儲存模組、及一處理模組。該第一通訊模組連接一通訊網路。該條碼產生模組用來至少基於該商家的商家識別資料、及該管理伺服器的連結網址產生一個或多個指派給該商家的條碼。該第一儲存模組儲存一唯一代表該支付機構的機構識別碼、及一對應於該機構識別碼並可用來連結該支付機構所提供的一支付伺服器的連結網址。該處理模組電連接該第一通訊模組、該條碼產生模組及該第一儲存模組。 Therefore, a mobile payment management system provided by the present invention is used to manage mobile payments related to a merchant and a payment institution, and includes a management server. The management server includes a first communication module, a code generating module, a first storage module, and a processing module. The first communication module is connected to a communication network. The bar code generation module is used to generate one or more bar codes assigned to the business based on at least the business identification data of the business and the link URL of the management server. The first storage module stores an institution identification code uniquely representing the payment institution, and a link URL corresponding to the institution identification code and used to link a payment server provided by the payment institution. The processing module is electrically connected to the first communication module, the barcode generation module, and the first storage module.
當該處理模組經由該第一通訊模組接收到來自於一客戶所使用的一行動裝置且至少包含該機構識別碼、及由該行動裝置掃描或拍攝該商家所提供的該(等)條碼其中一者而獲得的該商家識別資料的一支付請求時，該處理模組根據該支付請求所含的該機構識別碼獲得儲存於該第一儲存模組的該連結網址，且根據該連結網址使該第一通訊模組建立於該通訊網路與該支付伺服器的連 結，並將一至少包含該支付請求所含的該商家識別資料的識別碼請求經由該第一通訊模組發送至該支付伺服器，以使該支付伺服器回應於該識別碼請求產生並儲存一與該識別碼請求所含的該商家識別資料相關聯且唯一的識別碼並將一包含該識別碼的識別碼回覆發送至該管理伺服器。 When the processing module receives from a mobile device used by a customer via the first communication module and includes at least the organization identification code, and the mobile device scans or photographs the bar code provided by the merchant When a payment request for the merchant identification information is obtained by one of them, the processing module obtains the link URL stored in the first storage module according to the institution identification code included in the payment request, and according to the link URL Causing the first communication module to be established in a connection between the communication network and the payment server And send an identification code request containing at least the merchant identification data contained in the payment request to the payment server via the first communication module, so that the payment server generates and stores the response to the identification code request A unique identification code associated with the merchant identification information contained in the identification code request and sending an identification code response including the identification code to the management server.
當該處理模組經由該第一通訊模組接收到來自該支付伺服器的該識別碼回覆時，將該識別碼經由該第一通訊模組發送至該行動裝置。 When the processing module receives the identification code reply from the payment server via the first communication module, the processing module sends the identification code to the mobile device via the first communication module.
本新型之功效在於：對於使用不同行動支付方式的客戶而言，在對商家支付交易/服務款項時，該商家需提供由該管理伺服器所產生的客製化條碼供客戶的行動裝置掃描或拍攝後，該管理伺服器會將來自該行動裝置的商家識別資料發送至對應的支付伺服器，並將來自於該對應的支付伺服器的識別碼提供給該行動裝置，之後該行動裝置才將客戶的身分識別資料、認證的支付資訊及該識別碼傳送給該對應的支付伺服器。因此，商家與支付機構雙方均能以相對較低的介接成本與人力成本共同來提供客戶不同行動支付方式的選擇，如此，可有效避免目前因商家僅允許受限的行動支付方式而導致無法付款的窘境並使客戶付款時更方便，因而不僅可有效提升商家的業績，更有利於行動支付的廣泛使用。 The effect of this new model is that for customers using different mobile payment methods, when paying a merchant for a transaction / service payment, the merchant needs to provide a customized barcode generated by the management server for the customer's mobile device to scan or After shooting, the management server sends the merchant identification data from the mobile device to the corresponding payment server, and provides the identification code from the corresponding payment server to the mobile device, and then the mobile device sends The customer's identity information, authenticated payment information and the identification code are transmitted to the corresponding payment server. Therefore, both the merchant and the payment agency can provide customers with a choice of different mobile payment methods at a relatively low cost of connection and labor costs. The dilemma of payments makes it easier for customers to make payments, so it can not only effectively improve merchants' performance, but also facilitate the widespread use of mobile payments.
100‧‧‧行動支付管理系統 100‧‧‧ mobile payment management system
1‧‧‧管理伺服器 1‧‧‧ management server
11‧‧‧第一通訊模組 11‧‧‧The first communication module
12‧‧‧條碼產生模組 12‧‧‧Barcode generation module
13‧‧‧第一儲存模組 13‧‧‧first storage module
14‧‧‧處理模組 14‧‧‧Processing Module
2‧‧‧行動裝置 2‧‧‧ mobile device
21‧‧‧第二通訊模組 21‧‧‧Second communication module
22‧‧‧影像擷取模組 22‧‧‧Image Capture Module
23‧‧‧第二儲存模組 23‧‧‧Second storage module
24‧‧‧觸控顯示模組 24‧‧‧Touch display module
25‧‧‧處理單元 25‧‧‧processing unit
3‧‧‧支付伺服器 3‧‧‧ payment server
4‧‧‧條碼 4‧‧‧ barcode
200‧‧‧客戶 200‧‧‧Customer
S61~S67‧‧‧步驟 S61 ~ S67‧‧‧step
本新型之其他的特徵及功效，將於參照圖式的實施方式中清楚地呈現，其中：圖1是一方塊圖，示例性地繪示本新型實施例行動支付管理系統實施可支援行動支付管理的環境情況；圖2是一方塊圖，示例性地繪示該實施例的一管理伺服器在註冊階段時的配置；圖3是一示意圖，示例性地繪示該管理伺服器的一第一儲存模組的儲存資料內容；圖4示一方塊圖，示例地繪示該實施例中用於行動支付所綁定的行動裝置；圖5是一方塊圖，示例地繪示在該實施例在使用時該行動支付管理系統及一支付伺服器；及圖6是一流程圖，示例性地說明該行動支付管理系統如何結合一支付伺服器來完成一行動支付管理程序。 Other features and effects of the present invention will be clearly presented in the embodiment with reference to the drawings, in which: FIG. 1 is a block diagram exemplarily illustrating that the implementation of the mobile payment management system of the present embodiment supports mobile payment management Fig. 2 is a block diagram exemplarily showing the configuration of a management server in the embodiment during the registration phase; Fig. 3 is a schematic diagram exemplarily showing a first of the management server Contents of data stored by the storage module; FIG. 4 is a block diagram illustrating an example of a mobile device bound for mobile payment in this embodiment; FIG. 5 is a block diagram illustrating an example in which In use, the mobile payment management system and a payment server; and FIG. 6 is a flowchart illustrating how the mobile payment management system combines a payment server to complete a mobile payment management process.
在本新型被詳細描述之前，應當注意在以下的說明內容中，類似的元件是以相同的編號來表示。 Before the new model is described in detail, it should be noted that in the following description, similar elements are represented by the same number.
參閱圖1，本新型實施例的行動支付管理系統100可用 來管理與多個商家及多個支付機構有關的行動支付。在本實施例中，每一商家可以是一商店(例如，實體商店、虛擬商店、無人商店)、一服務機構(例如，大眾運輸機構、醫院機構、學校機構等)或個人(例如，流動攤販、個人網拍賣家等)，並且每一支付機構可以是銀行機構(例如，國內的各家銀行、金控公司等)或第三方支付機構(例如，支付寶網路企業有限公司、街口電子支付股份有限公司等)。此外，每一支付機構提供一用於執行扣款操作的支付伺服器。該行動支付管理系統100包含一管理伺服器1。 Referring to FIG. 1, a mobile payment management system 100 according to the present embodiment is available. To manage mobile payments related to multiple merchants and multiple payment agencies. In this embodiment, each merchant may be a store (e.g., physical store, virtual store, unmanned store), a service agency (e.g., mass transit agency, hospital agency, school agency, etc.) or an individual (e.g., mobile street vendor , Personal online auctioneers, etc.), and each payment institution can be a banking institution (for example, domestic banks, financial control companies, etc.) or a third-party payment institution (for example, Alipay Online Enterprise Co., Ltd., Jiekou Electronic Payment Corporations, etc.). In addition, each payment agency provides a payment server for performing a debit operation. The mobile payment management system 100 includes a management server 1.
參閱圖2，該管理伺服器1例如包括一可連接一通訊網路，例如，網際網路(圖未示)的第一通訊模組11、一條碼產生模組12、一第一儲存模組13、及一電連接該第一通訊網路11、該條碼產生模組12及該第一儲存模組13的處理模組14。 Referring to FIG. 2, the management server 1 includes, for example, a first communication module 11, a barcode generation module 12, and a first storage module 13 that can be connected to a communication network, such as the Internet (not shown). And a processing module 14 electrically connected to the first communication network 11, the bar code generating module 12 and the first storage module 13.
每一商家在初次使用此行動支付管理服務前，必須先完成相關的註冊程序。舉例來說，若此註冊程序是經由線上完成的情況下，該管理伺服器1的該第一通訊模組11例如會先接收到來自外部且有關該商家的一條碼請求，該條碼請求包含該商家的相關資訊，在本實施例中，該相關資訊例如包含，但不限於，商家識別資料、商品/服務價格資料、客製化的商家行銷資料(例如，行銷產品/服務文字廣告及/或行銷產品/服務連結網址)、該商家所指定用於訊息接收的一使用終端的連結資料等；然後該處理模組14回應於該 條碼請求，使該條碼產生模組12根據該商家識別資料、該商品價格資料、該商家行銷資料及該管理伺服器1的連結網址，產生指派給該商家的一個或多個條碼，並將該(等)條碼經由該第一通訊模組11發送給該使用終端，以便提供給該商家並使該商家在日後使用時可以各種不同方式呈現該條碼。值得注意的是，該(等)條碼可以是如QR Code的二維條碼，但不限於此。舉例來說，若該商家提供多個不同特定價格的販售商品或服務並且該商品價格資料含有該等特定價格時，指派給該商家的每一條碼不僅含有該商家識別資料、該商家行銷資料、該管理伺服器1的該連結網址，還含有指示出對應的特定價格的金額資料。然而，在其他實施例中，該條碼請求所含的相關資訊亦可不含有任何商品/服務價格資料。在此情況下，該條碼產生模組12僅根據該商家識別資料、該商家行銷資料及該管理伺服器1的該連結網址產生單一條碼。換言之，此單一條碼僅含有該商家識別資料、該商家行銷資料及該管理伺服器1的該連結網址。 Each merchant must complete the relevant registration process before using this mobile payment management service for the first time. For example, if the registration process is completed online, the first communication module 11 of the management server 1 will receive, for example, a bar code request from the outside and related to the merchant. The bar code request includes the Related information of the merchant. In this embodiment, the relevant information includes, but is not limited to, merchant identification data, product / service price data, and customized merchant marketing data (e.g., marketing product / service text ads and / or Marketing product / service link URL), link information of a user terminal designated by the merchant for message reception, etc .; then the processing module 14 responds to the The bar code request causes the bar code generation module 12 to generate one or more bar codes assigned to the business according to the business identification data, the product price data, the business marketing data, and the link URL of the management server 1. The (etc.) barcode is sent to the user terminal via the first communication module 11 so as to provide it to the merchant and enable the merchant to present the barcode in various ways in the future. It is worth noting that the bar code may be a two-dimensional bar code such as a QR Code, but is not limited thereto. For example, if the merchant offers multiple sales of goods or services at different specific prices and the product price data contains those specific prices, each bar code assigned to the merchant contains not only the merchant identification information, but also the merchant marketing information The link URL of the management server 1 also contains amount data indicating the corresponding specific price. However, in other embodiments, the relevant information contained in the barcode request may not include any commodity / service price data. In this case, the barcode generation module 12 generates a single barcode only based on the merchant identification data, the merchant marketing data, and the link URL of the management server 1. In other words, the single barcode only contains the merchant identification information, the merchant marketing information, and the link URL of the management server 1.
同樣地，每一支付機構在使用此行動支付管理服務之前，也必須先完成相關的註冊程序，其中該管理伺服器1的該第一通訊模組11例如會先接收到來自外部且有關該支付機構的一服務請求，該服務請求例如包含該支付機構提供的該支付伺服器的一連結網址(其可被用來連結該支付伺服器)；然後該處理模組14回應於該服務請求，將一唯一代表該支付機構的機構識別碼、及對應於該 機構識別碼的該連結網址一併儲存於該第一儲存模組13。於是，該管理伺服器1在完成所有支付機構的註冊程序時，該第一儲存模組13會儲存多筆(彼此不同且)分別代表所有(已註冊)商家的商家識別資料、多筆分別對應於該等筆商家識別資料的連結資料、多個(彼此不同且)分別代表該等支付機構的機構識別碼、及多個分別對應於該等機構識別碼的連結網址，如圖3所示。 Similarly, each payment institution must complete the relevant registration procedures before using this mobile payment management service. The first communication module 11 of the management server 1 will, for example, first receive information from outside and related to the payment. A service request of the institution, the service request including, for example, a link URL of the payment server provided by the payment institution (which can be used to connect to the payment server); then the processing module 14 responds to the service request, An institution identification code uniquely representing the payment institution, and corresponding to the The link URL of the organization identification code is also stored in the first storage module 13. Therefore, when the management server 1 completes the registration procedures of all payment institutions, the first storage module 13 stores a plurality of (different from each other) business identification information representing each (registered) merchant, and a plurality of corresponding ones The linking information of the merchant identification data, a plurality of (different from each other) the organization identification codes respectively representing the payment institutions, and a plurality of link URLs respectively corresponding to the organization identification codes, as shown in FIG. 3.
另一方面，對於欲使用任一支付機構提供的行動支付服務的客戶而言，可使用一行動裝置(例如，智慧型手機)。如圖4所示，該行動裝置例如包含一第二通訊模組21、一影像擷取模組22、一第二儲存模組23、一觸控顯示模組24，以及一電連接該第二通訊模組21、該影像擷取模組22、該第二儲存模組23及該觸控顯示模組24的處理單元25。該第二通訊模組21連接該通訊網路(圖未示)。該行動裝置在申請服務時會安裝一由該支付機構所提供且與行動支付有關的應用程式，並將該應用程式儲存於該第二儲存模組23。之後，當該綁定的行動裝置執行該應用程式時，該支付機構的該支付伺服器將會管理該客戶在該支付機構所擁有的一電子錢包或金融帳戶，以便對於該電子錢包或金融帳戶進行相關的扣款操作。 On the other hand, for customers who want to use mobile payment services provided by any payment institution, a mobile device (for example, a smart phone) can be used. As shown in FIG. 4, the mobile device includes, for example, a second communication module 21, an image capture module 22, a second storage module 23, a touch display module 24, and an electrical connection to the second The communication module 21, the image capture module 22, the second storage module 23, and the processing unit 25 of the touch display module 24. The second communication module 21 is connected to the communication network (not shown). When the mobile device applies for a service, an application program provided by the payment institution and related to mobile payment is installed, and the application program is stored in the second storage module 23. Thereafter, when the bound mobile device executes the application, the payment server of the payment institution will manage an electronic wallet or financial account owned by the customer in the payment institution, in order to manage the electronic wallet or financial account. Perform related debit operations.
以下，參閱圖5及圖6，當例如一第三方支付機構的一客戶200欲以其在該第三方支付機構所擁有的電子錢包付款購買例 如一實體商店的商家所販售的商品時，該行動支付管理系統100如何執行一行動支付管理程序。在此情況下，該行動支付管理系統100還包含一由該客戶200所持有的行動裝置2，其可以具有相似如圖4的配置。該行動支付管理程序包含以下步驟S61~S67。 Hereinafter, referring to FIG. 5 and FIG. 6, for example, when a customer 200 of a third-party payment institution wants to pay for purchases with an electronic wallet owned by the third-party payment institution How the mobile payment management system 100 executes a mobile payment management procedure when the product is sold by a merchant in a physical store. In this case, the mobile payment management system 100 further includes a mobile device 2 held by the customer 200, which may have a configuration similar to that shown in FIG. The mobile payment management program includes the following steps S61 to S67.
首先，在步驟S61中，該行動裝置2的該處理單元25藉由該應用程式的執行，使該影像擷取模組22掃描或拍攝該商家所提供一條碼4，例如，印刷或貼付於該商品的包裝上的條碼標籤，而獲得影像資料，且在解譯該影像資料後獲得該條碼4所含的商家識別資料、商家行銷資料、該管理伺服器1的連結網址、及對應於一特定金額(即，該商品之售價)的金額資料，並使該第二通訊模組21根據該連結網址建立於該通訊網路與該管理伺服器1的連結，而且經由該第二通訊模組21對該管理伺服器1發送一例如包含該第三方支付機構的機構識別碼(其例如是由該應用程式所提供)、該商家識別資料及該金額資料的支付請求。此外，值得注意的是，該處理單元25還使該觸控顯示模組24顯示該商家行銷資料，以供該客戶200觀看或者供連結其他服務網站之用。 First, in step S61, the processing unit 25 of the mobile device 2 causes the image capture module 22 to scan or photograph a bar code provided by the merchant by executing the application program, for example, printing or pasting on the code. The barcode label on the package of the product to obtain the image data, and after interpreting the image data, the merchant identification information contained in the barcode 4, merchant marketing data, the link URL of the management server 1, and a specific URL The amount data of the amount (that is, the selling price of the product), and causes the second communication module 21 to establish a connection between the communication network and the management server 1 according to the link URL, and via the second communication module 21 A payment request is sent to the management server 1 including, for example, an institution identification code of the third-party payment institution (which is provided by the application, for example), the merchant identification information, and the amount information. In addition, it is worth noting that the processing unit 25 also causes the touch display module 24 to display the merchant marketing data for viewing by the customer 200 or for linking to other service websites.
之後，當該管理伺服器1的該處理模組14經由該第一通訊模組11接收到來自於該行動裝置2的該支付請求時，在步驟S62中，該處理模組14根據該支付請求所含的該機構識別碼自儲存於該第一儲存模組13的該等連結網址(見圖3)取得一個對應於該機構識 別碼的連結網址，且根據該連結網址使該第一通訊模組11建立於該通訊網路與該第三方支付機構所提供的一支付伺服器3的連結，並將一例如包含該支付請求所含的該商家識別資料及該金額資料的識別碼請求經由該第一通訊模組11發送至該支付伺服器3。於是，該支付伺服器3回應於該識別碼請求產生並儲存一與該商家識別資料及該金額資料相關聯且唯一的識別碼並將一包含該識別碼的識別碼回覆發送至該管理伺服器(步驟S63)。在此情況下，該支付伺服器3例如可將該識別碼以及與該識別碼連結的該商家(由該商家識別資料所指示)、支付金額及幣別(由該金額資料所指示)一併暫儲於一工作列表(圖未示)，但不在此限，以便後續使用。在本實施例中，該識別碼例如可為一經由隨機產生或者根據該金額資料所含的支付金額所產生並且含有文字及/或數字的一次性碼，換言之，該識別碼僅在相對較短的時間內，例如5分鐘內才有效。 After that, when the processing module 14 of the management server 1 receives the payment request from the mobile device 2 via the first communication module 11, in step S62, the processing module 14 according to the payment request The included organization identification code is obtained from the link URLs (see FIG. 3) stored in the first storage module 13 corresponding to the organization identification A link URL of a different code, and the first communication module 11 is established based on the link URL to a link between the communication network and a payment server 3 provided by the third-party payment agency, and includes, for example, the payment request The identification code request containing the merchant identification data and the amount data is sent to the payment server 3 through the first communication module 11. Then, the payment server 3 generates and stores a unique identification code associated with the merchant identification data and the amount data in response to the identification code request, and sends an identification code response including the identification code to the management server. (Step S63). In this case, the payment server 3 may, for example, combine the identification code with the merchant (indicated by the merchant identification information), the payment amount, and the currency (indicated by the amount information) linked to the identification code. Temporarily stored in a work list (not shown), but it is not limited for subsequent use. In this embodiment, the identification code may be, for example, a one-time code that is generated randomly or according to the payment amount contained in the amount data and contains text and / or numbers. In other words, the identification code is only relatively short Is only valid for 5 minutes.
然後，在步驟S64中，當該管理伺服器1的該處理模組14經由該第一通訊模組11接收到來自該支付伺服器3的該識別碼回覆時，該處理模組14將該識別碼經由該第一通訊模組11發送至該行動裝置2。 Then, in step S64, when the processing module 14 of the management server 1 receives the identification code reply from the payment server 3 via the first communication module 11, the processing module 14 recognizes the identification The code is sent to the mobile device 2 via the first communication module 11.
之後，在步驟S65中，當該行動裝置2接收到來自該管理伺服器1的該識別碼時，該處理單元25經由執行該應用程式，且將該客戶200的身分識別資料、經該客戶200認證過的支付金額的 支付資訊、及該識別碼一併發送至該支付伺服器3。於是，該支付伺服器3可依照現有方式，根據該客戶200的身分識別資料、該支付資訊、及與該識別碼相關聯的該商家識別資料，對於該客戶200所擁有的該電子錢包執行一扣款操作(即，自該電子錢包之餘額扣除該支付金額)，並在執行完該扣款操作，發送一含有該商家識別資料的扣款成功通知至該管理伺服器1(步驟S66)。 After that, in step S65, when the mobile device 2 receives the identification code from the management server 1, the processing unit 25 executes the application program, and passes the identification data of the client 200 to the client 200. Certified payment amount The payment information and the identification code are sent to the payment server 3 together. Thus, the payment server 3 can perform an operation on the electronic wallet owned by the customer 200 according to the existing identification information of the customer 200, the payment information, and the merchant identification information associated with the identification code. The debit operation (that is, the payment amount is deducted from the balance of the electronic wallet), and after the debit operation is performed, a successful debit notification containing the merchant identification information is sent to the management server 1 (step S66).
最後，當該管理伺器1的該處理模組14經由該第一通訊模組11接收到來自該支付伺服器3的扣款成功通知時，在步驟S67中，該處理模組14根據該第一儲存模組13所儲存且對應於該商家識別資料的該連結資料13，經由該第一通訊模組11對(該商家於註冊時所指定的)該使用終端發送一扣款成功訊息。至此，該行動支付管理程序執行完畢。 Finally, when the processing module 14 of the management server 1 receives a notification of the successful debit from the payment server 3 via the first communication module 11, in step S67, the processing module 14 according to the first A link module 13 stored in a storage module 13 and corresponding to the merchant identification information sends a debit success message to the user terminal (designated by the merchant during registration) via the first communication module 11. At this point, the implementation of the mobile payment management program is complete.
綜上所述，由於該管理伺服器1能為多個商家提供客製化條碼，並且能自動與多個支付機構所提供的多個支付伺服器連結以達成有關行動支付的授權碼的傳輸，因此對於使用不同行動支付方式的客戶而言，在對商家支付交易/服務款項時，商家僅需提供由該管理伺服器1所產生的客製化條碼供客戶的行動裝置掃描或拍攝後，該管理伺服器1會將來自該行動裝置的商家識別資料發送至對應的支付伺服器，並將來自於該對應的支付伺服器的識別碼提供給該行動裝置，之後該行動裝置才將客戶的身分識別資料、認證的 支付資訊及該識別碼傳送給該對應的支付伺服器。因此，商家與支付機構雙方均能以相對較低的介接成本與人力成本共同來提供客戶不同行動支付方式的選擇，如此，可有效避免目前因商家僅允許受限的行動支付方式而導致無法付款的窘境並使客戶付款時更方便，因而不僅可有效提升商家的業績，更有利於行動支付的廣泛使用。故確實能達成本新型的目的。 In summary, since the management server 1 can provide customized barcodes for multiple merchants, and can automatically connect with multiple payment servers provided by multiple payment agencies to achieve the transfer of authorization codes related to mobile payments, Therefore, for customers using different mobile payment methods, when paying the merchant for the transaction / service payment, the merchant only needs to provide the customized barcode generated by the management server 1 for the client's mobile device to scan or shoot. The management server 1 will send the merchant identification data from the mobile device to the corresponding payment server, and provide the identification code from the corresponding payment server to the mobile device, after which the mobile device will identify the customer Identification information, certification The payment information and the identification code are transmitted to the corresponding payment server. Therefore, both the merchant and the payment agency can provide customers with a choice of different mobile payment methods at a relatively low cost of connection and labor costs. The dilemma of payments makes it easier for customers to make payments, so it can not only effectively improve merchants' performance, but also facilitate the widespread use of mobile payments. Therefore, it can indeed achieve the purpose of new cost.
惟以上所述者，僅為本新型之實施例而已，當不能以此限定本新型實施之範圍，凡是依本新型申請專利範圍及專利說明書內容所作之簡單的等效變化與修飾，皆仍屬本新型專利涵蓋之範圍內。 However, the above are only examples of the new model. When the scope of implementation of the new model cannot be limited by this, any simple equivalent changes and modifications made in accordance with the scope of the patent application of the new model and the content of the patent specification are still Within the scope of this new patent.
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| Publication number | Priority date | Publication date | Assignee | Title |
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| TWI755067B (en) * | 2020-09-21 | 2022-02-11 | 臺灣土地銀行股份有限公司 | Integrate multiple payment service application systems |
| TWI818758B (en) * | 2022-10-04 | 2023-10-11 | 財金資訊股份有限公司 | Method and system for generating a single barcode using multiple digital coupon for consumption and verifying |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| TWI755067B (en) * | 2020-09-21 | 2022-02-11 | 臺灣土地銀行股份有限公司 | Integrate multiple payment service application systems |
| TWI818758B (en) * | 2022-10-04 | 2023-10-11 | 財金資訊股份有限公司 | Method and system for generating a single barcode using multiple digital coupon for consumption and verifying |
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