TWM595811U - Electronic wallet payment system - Google Patents

Electronic wallet payment system Download PDF

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TWM595811U
TWM595811U TW109201235U TW109201235U TWM595811U TW M595811 U TWM595811 U TW M595811U TW 109201235 U TW109201235 U TW 109201235U TW 109201235 U TW109201235 U TW 109201235U TW M595811 U TWM595811 U TW M595811U
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amount
wallet
payment
server
management server
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TW109201235U
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鄭志成
陳柏安
張豪允
郭建廷
蔡鏸容
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中國信託商業銀行股份有限公司
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Publication of TWM595811U publication Critical patent/TWM595811U/en

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Abstract

一種電子錢包支付系統，包含一消費端電子裝置、一電子錢包伺服器及一收單主機。消費端電子裝置提供一錢包識別資料給一商店端電子裝置。電子錢包伺服器於接收到來自商店端電子裝置的錢包識別資料及一商品金額後，傳送一包含錢包識別資料對應的一會員識別資料的折抵金額請求給一會員管理伺服器，使會員管理伺服器根據會員識別資料對應的一會員點數產生一可折抵金額，並回傳可折抵金額。電子錢包伺服器根據商品金額及可折抵金額產生一支付淨額，並傳送一包含支付淨額及一使用者付款資料的支付請求給收單主機。藉此會員點數能跨商店折抵消費。An electronic wallet payment system includes a consumer electronic device, an electronic wallet server and an acquiring host. The consumer electronic device provides a wallet identification data to a store electronic device. After receiving the wallet identification data and a commodity amount from the store-side electronic device, the e-wallet server sends a request for a credit amount containing a member identification data corresponding to the wallet identification data to a member management server to enable the member management server The device generates a deductible amount according to a member point corresponding to the member identification data, and returns the deductible amount. The e-wallet server generates a net payment amount based on the commodity amount and the deductible amount, and transmits a payment request including the net payment amount and a user's payment information to the acquiring host. With this, membership points can be used to redeem consumption across stores.

Description

電子錢包支付系統Electronic wallet payment system

本新型是有關於一種電子錢包支付系統，特別是指一種可折抵會員點數的電子錢包支付系統。The present invention relates to an electronic wallet payment system, in particular to an electronic wallet payment system that can be deducted from member points.

以往一般消費者在網路購物或是實體商店消費時，由於每個商店的會員系統都是獨立且分隔的，因此會員消費的點數無法跨商店折抵（A商店的點數無法折抵B商店的消費），因此，如何發展出一種新的電子錢包支付系統，能讓消費者跨商店折抵點數，是本新型進一步要探討的主題。In the past, when ordinary consumers were shopping online or in physical stores, because the membership system of each store was independent and separated, the points consumed by members could not be discounted across stores (A store points could not be discounted to B Store consumption), therefore, how to develop a new electronic wallet payment system that allows consumers to offset points across stores is the subject of this new model.

因此，本新型之其中一目的，即在提供一種可跨商店折抵點數的電子錢包支付系統。Therefore, one of the purposes of the present invention is to provide an electronic wallet payment system that can be used to redeem points across stores.

於是，本新型電子錢包支付系統在一些實施態樣中，是適於與一歸屬於一第一商店的商店端電子裝置及一歸屬於一第二商店的會員管理伺服器通訊，該會員管理伺服器儲存有一會員識別資料，及一對應於該會員識別資料的會員點數，該電子錢包支付系統包含：一消費端電子裝置、一電子錢包伺服器，及一收單主機，該消費端電子裝置儲存有一錢包識別資料，該電子錢包伺服器電連接該消費端電子裝置並儲存有該錢包識別資料、對應於該錢包識別資料的該會員識別資料及一對應於該錢包識別資料的使用者付款資料，該收單主機電連接該電子錢包伺服器。Therefore, in some implementations, the new electronic wallet payment system is suitable for communicating with a store-side electronic device belonging to a first store and a member management server belonging to a second store. The member management server The device stores a member identification data and a member point corresponding to the member identification data. The electronic wallet payment system includes: a consumer electronic device, an electronic wallet server, and an acquiring host, the consumer electronic device A wallet identification data is stored, and the electronic wallet server is electrically connected to the consumer electronic device and stores the wallet identification data, the member identification data corresponding to the wallet identification data, and a user payment data corresponding to the wallet identification data , The acquiring host is electrically connected to the electronic wallet server.

該消費端電子裝置提供該錢包識別資料給該商店端電子裝置，該電子錢包伺服器於接收到來自該商店端電子裝置的該錢包識別資料及一商品金額後，傳送一包含該錢包識別資料對應的該會員識別資料的折抵金額請求給該會員管理伺服器，該折抵金額請求使該會員管理伺服器根據該會員識別資料對應的該會員點數產生一可折抵金額，並使該會員管理伺服器將該可折抵金額回傳給該電子錢包伺服器，於接收到該可折抵金額後，該電子錢包伺服器根據該商品金額及該可折抵金額產生一支付淨額，並傳送一包含該支付淨額及該使用者付款資料的支付請求給該收單主機，當該收單主機接收到該支付請求，該收單主機執行一相關於該支付請求的收單程序。The consumer-side electronic device provides the wallet identification data to the store-side electronic device, and after receiving the wallet identification data and a commodity amount from the store-side electronic device, the electronic wallet server sends a correspondence containing the wallet identification data The credit amount of the member identification data is requested to the member management server, the credit amount request causes the member management server to generate a deductible amount based on the member points corresponding to the member identification data, and causes the member The management server returns the deductible amount to the e-wallet server. After receiving the deductible amount, the e-wallet server generates a net payment based on the commodity amount and the deductible amount, and A payment request including the net payment amount and the user's payment information is transmitted to the acquiring host. When the acquiring host receives the payment request, the acquiring host executes an acquiring procedure related to the payment request.

在一些實施態樣中，該電子錢包伺服器還傳送一包含該支付淨額的點數儲存請求給該會員管理伺服器，該點數儲存請求使該會員管理伺服器根據該支付淨額產生一新增點數，並使該會員管理伺服器將該會員點數加上該新增點數。In some implementations, the e-wallet server also sends a point storage request containing the net payment amount to the member management server. The point storage request causes the member management server to generate a point based on the net payment amount Add points and make the member management server add the added points to the member points.

在一些實施態樣中，該電子錢包伺服器還儲存有一指示自動折抵或不自動折抵的折抵設定資料，該電子錢包伺服器於接收到來自該商店端電子裝置的該錢包識別資料及一商品金額後，且於傳送該折抵金額請求給該會員管理伺服器前，判斷該折抵設定資料指示自動折抵或不自動折抵，當該電子錢包伺服器判斷該折抵設定資料指示自動折抵，該電子錢包伺服器傳送該折抵金額請求給該會員管理伺服器，當該電子錢包伺服器判斷該折抵設定資料指示不自動折抵，該電子錢包伺服器傳送包含該商品金額及該使用者付款資料的該支付請求給該收單主機。In some implementations, the electronic wallet server also stores a set of discount data indicating automatic or non-automatic discount, the electronic wallet server receives the wallet identification data from the store-side electronic device and After a commodity amount, and before sending the discount amount request to the member management server, determine whether the discount setting data indicates automatic discount or not, when the electronic wallet server determines the discount setting data indication Automatically offset, the e-wallet server sends the request for the amount of the offset to the member management server. When the e-wallet server determines that the set-off data indicates no automatic offset, the e-wallet server sends the amount containing the product And the payment request of the user's payment data to the acquiring host.

在一些實施態樣中，該電子錢包伺服器於判斷該折抵設定資料指示不自動折抵後，該電子錢包伺服器還傳送一包含該商品金額的點數儲存請求給該會員管理伺服器，該點數儲存請求使該會員管理伺服器根據該商品金額產生一新增點數，並使該會員管理伺服器將該會員點數加上該新增點數。In some implementation forms, after the electronic wallet server determines that the discount setting data indicates that automatic discounting is not performed, the electronic wallet server also sends a point storage request containing the amount of the commodity to the member management server, The point storage request causes the member management server to generate an additional point based on the commodity amount, and causes the member management server to add the member point to the added point.

在一些實施態樣中，於接收到該可折抵金額後，該電子錢包伺服器是根據該商品金額及該可折抵金額產生該支付淨額及一實際折抵金額，且該電子錢包伺服器將該實際折抵金額傳送給該會員管理伺服器，該實際折抵金額使該會員管理伺服器根據該實際折抵金額產生一折抵點數，並使該會員管理伺服器將該會員點數扣除該折抵點數。In some implementations, after receiving the deductible amount, the e-wallet server generates the net payment and an actual deduction amount based on the commodity amount and the deductible amount, and the e-wallet server The actual discount amount is sent to the member management server by the server, the actual discount amount causes the member management server to generate a discount point according to the actual discount amount, and causes the member management server to transfer the member point Deduct the discount points.

本新型至少具有以下功效：藉由該電子錢包伺服器於接收到來自該商店端電子裝置的該錢包識別資料及該商品金額後傳送包含該錢包識別資料對應的該會員識別資料的該折抵金額請求給該會員管理伺服器，且藉由該電子錢包伺服器於接收到來自該會員管理伺服器的該可折抵金額後根據該商品金額及該可折抵金額產生該支付淨額並傳送包含該支付淨額及該使用者付款資料的該支付請求給該收單主機，使得儲存在歸屬於該第二商店的該會員管理伺服器的該會員點數能夠被用來折抵在該第一商店的消費，從而使該會員點數不僅能在該第二商店使用，還能用於跨商店折抵消費，此外，藉由該電子錢包伺服器傳送包含該支付淨額或該商品金額的點數儲存請求給該會員管理伺服器，使該會員管理伺服器根據該點數儲存請求將該會員點數加上該新增點數，從而使得在該第一商店的消費也能累積該第二商店的該會員點數。The present invention has at least the following functions: after the electronic wallet server receives the wallet identification data and the commodity amount from the store-side electronic device, it transmits the credit amount including the member identification data corresponding to the wallet identification data Request to the member management server, and after receiving the deductible amount from the member management server, the e-wallet server generates the net payment based on the commodity amount and the deductible amount and transmits The net payment and the payment request of the user's payment information are sent to the acquiring host so that the member points stored in the member management server belonging to the second store can be used to offset the first The consumption of the store, so that the member points can be used not only in the second store, but also can be used to offset the consumption across stores. In addition, the e-wallet server transmits the point containing the net payment or the amount of the product The data storage request is sent to the member management server, so that the member management server adds the member points to the newly added points according to the point storage request, so that the consumption in the first store can also accumulate the second The member's points in the store.

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 present invention is described in detail, it should be noted that in the following description, similar elements are denoted by the same number.

參閱圖1，本新型電子錢包支付系統100的一第一實施例，適於與一商店端電子裝置800及一會員管理伺服器900通訊，該電子錢包支付系統100包含一供一使用者操作的消費端電子裝置1、一電子錢包伺服器2及一收單主機3。Referring to FIG. 1, a first embodiment of the new electronic wallet payment system 100 is suitable for communicating with a store-side electronic device 800 and a member management server 900. The electronic wallet payment system 100 includes a user-operated Consumer electronic device 1, an electronic wallet server 2 and an acquiring host 3.

該商店端電子裝置800歸屬於一第一商店。在本實施例中，該商店端電子裝置800為一商店端銷售點終端機，但不以此為限。The store-side electronic device 800 belongs to a first store. In this embodiment, the store-side electronic device 800 is a store-end point-of-sale terminal, but it is not limited thereto.

該會員管理伺服器900歸屬不同於該第一商店的一第二商店，並儲存有一會員識別資料D1，及一對應於該會員識別資料D1的會員點數D2。該會員識別資料D1是該使用者註冊成為該第二商店的會員時產生的。The member management server 900 belongs to a second store different from the first store, and stores a member identification data D1 and a member point D2 corresponding to the member identification data D1. The member identification data D1 is generated when the user registers as a member of the second store.

該消費端電子裝置1例如是一智慧型手機或一平板電腦，但不以上述舉例為限，並儲存有一錢包識別資料D3。The consumer electronic device 1 is, for example, a smart phone or a tablet computer, but not limited to the above example, and stores a wallet identification data D3.

該電子錢包伺服器2透過通訊網路電連接於該消費端電子裝置1及該收單主機3，且儲存該錢包識別資料D3、對應於該錢包識別資料D3的該會員識別資料D1、一對應於該錢包識別資料D3的使用者付款資料D4，及一指示自動折抵或不自動折抵的折抵設定資料D5。該錢包識別資料D3是該使用者於該電子錢包伺服器2註冊成為電子錢包會員時產生，於註冊後該使用者提供該會員識別資料D1及該使用者付款資料D4給該電子錢包伺服器2，並設定該折抵設定資料D5的內容。該使用者付款資料D4例如為一可用於付款的***資料。The electronic wallet server 2 is electrically connected to the consumer electronic device 1 and the acquiring host 3 through a communication network, and stores the wallet identification data D3, the member identification data D1 corresponding to the wallet identification data D3, one corresponding to The user's payment data D4 of the wallet identification data D3, and a discount setting data D5 indicating automatic or non-automatic discount. The wallet identification data D3 is generated by the user when registering as an e-wallet member on the e-wallet server 2, and after registration the user provides the member identification data D1 and the user payment data D4 to the e-wallet server 2 And set the content of the discount setting data D5. The user payment data D4 is, for example, a credit card data that can be used for payment.

參閱圖1及圖2，以下說明本實施例中該電子錢包支付系統100所執行的步驟。首先，如步驟S01所示，該使用者於該第一商店的實體店面消費時，該消費端電子裝置1於鄰近該商店端電子裝置800時提供該錢包識別資料D3給該商店端電子裝置800。該商店端電子裝置800於接收到該錢包識別資料D3後，會將該錢包識別資料D3及一相關於該使用者要購買的一商品的商品金額傳送給該電子錢包伺服器2。該消費端電子裝置1可以是透過短距離無線通訊（例如NFC）將該錢包識別資料D3提供給該商店端電子裝置800，但不以此為限，該消費端電子裝置1也可以例如是顯示一指示該錢包識別資料D3的一維或二維條碼供該商店端電子裝置800掃描。1 and 2, the following describes the steps performed by the electronic wallet payment system 100 in this embodiment. First, as shown in step S01, when the user spends at the physical storefront of the first store, the consumer-side electronic device 1 provides the wallet identification data D3 to the store-side electronic device 800 when it is adjacent to the store-side electronic device 800 . After receiving the wallet identification data D3, the store-side electronic device 800 transmits the wallet identification data D3 and a commodity amount related to a commodity to be purchased by the user to the electronic wallet server 2. The consumer-side electronic device 1 may provide the wallet identification data D3 to the store-side electronic device 800 through short-range wireless communication (eg, NFC), but not limited to this, the consumer-side electronic device 1 may also be a display, for example A one-dimensional or two-dimensional barcode indicating the wallet identification data D3 is scanned by the store-side electronic device 800.

接著，如步驟S02所示，該電子錢包伺服器2接收來自該商店端電子裝置800的該錢包識別資料D3及該商品金額。Next, as shown in step S02, the electronic wallet server 2 receives the wallet identification data D3 from the store-side electronic device 800 and the product amount.

接著，如步驟S03所示，該電子錢包伺服器2會判斷消費端電子裝置1的該折抵設定資料D5是指示自動折抵或不自動折抵，若該電子錢包伺服器2判斷該折抵設定資料D5指示不自動折抵，則接著執行步驟S04，若該電子錢包伺服器2判斷該折抵設定資料D5指示自動折抵，則接著執行步驟S06。Next, as shown in step S03, the electronic wallet server 2 determines that the credit setting data D5 of the consumer electronic device 1 indicates automatic discount or not, if the electronic wallet server 2 determines the discount If the setting data D5 indicates no automatic credit, then proceed to step S04. If the electronic wallet server 2 determines that the discount setting data D5 indicates automatic credit, then proceed to step S06.

如步驟S04所示，當該電子錢包伺服器2判斷該折抵設定資料D5指示不自動折抵，該電子錢包伺服器2會傳送一包含該商品金額的點數儲存請求給該會員管理伺服器900，該點數儲存請求使該會員管理伺服器900根據該商品金額產生一新增點數，並使該會員管理伺服器900將該會員點數D2加上該新增點數。As shown in step S04, when the e-wallet server 2 determines that the set-off data D5 indicates no automatic rebate, the e-wallet server 2 will send a point storage request containing the product amount to the member management server 900. The point storage request causes the member management server 900 to generate an additional point according to the amount of the commodity, and causes the member management server 900 to add the member point D2 to the additional point.

接著，如步驟S05所示，該電子錢包伺服器2會接著傳送包含該商品金額及該使用者付款資料D4的一支付請求給該收單主機3。Then, as shown in step S05, the e-wallet server 2 will then send a payment request containing the product amount and the user payment data D4 to the acquiring host 3.

接著，如步驟S12所示，當該收單主機3接收到該支付請求，該收單主機3執行一相關於該支付請求的收單程序以付款給該第一商店。Next, as shown in step S12, when the acquiring host 3 receives the payment request, the acquiring host 3 executes an acquiring procedure related to the payment request to pay to the first store.

另一方面，當該電子錢包伺服器2於步驟S03判斷該折抵設定資料D5指示自動折抵，則接著在步驟S06中，該電子錢包伺服器2傳送一包含該錢包識別資料D3對應的該會員識別資料D1的折抵金額請求給該會員管理伺服器900。該會員管理伺服器900在接收到來自該電子錢包伺服器2所傳送的該折抵金額請求後，會根據該會員識別資料D1所對應的該會員點數D2產生一可折抵金額，並將該可折抵金額回傳回該電子錢包伺服器2。On the other hand, when the electronic wallet server 2 determines in step S03 that the discount setting data D5 indicates an automatic discount, then in step S06, the electronic wallet server 2 transmits a message corresponding to the wallet identification data D3. The credit amount of the member identification data D1 is requested to the member management server 900. After receiving the credit amount request sent from the e-wallet server 2, the member management server 900 will generate a credit amount according to the member points D2 corresponding to the member identification data D1, and will The deductible amount is returned to the electronic wallet server 2.

接著，如步驟S07所示，該電子錢包伺服器2接收來自該會員管理伺服器900的該可折抵金額。Next, as shown in step S07, the electronic wallet server 2 receives the deductible amount from the member management server 900.

接著，如步驟S08所示，該電子錢包伺服器2在接收到該可折抵金額後，會根據該商品金額及該可折抵金額產生一消費者最終須支付的支付淨額，及一實際上利用該會員點數D2所折抵之金額的實際折抵金額。舉例來說，若該商品金額為500元，該可折抵金額為200元，則該支付淨額為300元，且該實際折抵金額為200元；若該商品金額為500元，該可折抵金額為700元，則該支付淨額為0元，且該實際折抵金額為500元；若該商品金額為500元，該可折抵金額為500元，則該支付淨額為0元，且該實際折抵金額為500元。Next, as shown in step S08, after receiving the deductible amount, the e-wallet server 2 will generate a net payment amount that the consumer must eventually pay based on the commodity amount and the deductible amount, and an actual The actual deducted amount of the amount deducted by the member's points D2. For example, if the commodity amount is 500 yuan, and the deductible amount is 200 yuan, the net payment is 300 yuan, and the actual deductible amount is 200 yuan; if the commodity amount is 500 yuan, the available The discount amount is 700 yuan, then the net payment is 0 yuan, and the actual discount amount is 500 yuan; if the commodity amount is 500 yuan, the discount amount is 500 yuan, then the net payment is 0 Yuan, and the actual discount amount is 500 yuan.

接著，如步驟S09所示，該電子錢包伺服器2會將該實際折抵金額傳送給該會員管理伺服器900，該實際折抵金額使該會員管理伺服器900根據該實際折抵金額產生一折抵點數，並使該會員管理伺服器900將該會員點數D2扣除該折抵點數。Next, as shown in step S09, the electronic wallet server 2 sends the actual discount amount to the member management server 900, and the actual discount amount causes the member management server 900 to generate an amount based on the actual discount amount The credit points, and cause the member management server 900 to deduct the credit points from the member points D2.

接著，如步驟S10所示，該電子錢包伺服器2還傳送一包含該支付淨額的點數儲存請求給該會員管理伺服器900，該點數儲存請求使該會員管理伺服器900根據該支付淨額產生一新增點數，並使該會員管理伺服器900將該會員點數D2加上該新增點數。Next, as shown in step S10, the e-wallet server 2 also transmits a point storage request including the net payment amount to the member management server 900, and the point storage request causes the member management server 900 to perform payment based on the payment The net amount generates an additional point and causes the member management server 900 to add the additional point to the member point D2.

接著，如步驟S11所示，該電子錢包伺服器2傳送一包含該支付淨額及該使用者付款資料D4的支付請求給該收單主機3。步驟S11執行完之後則接著執行步驟S12，也就是該收單主機3執行相關於該支付請求的該收單程序。Next, as shown in step S11, the electronic wallet server 2 transmits a payment request including the net payment amount and the user payment data D4 to the acquiring host 3. After step S11 is executed, step S12 is then executed, that is, the acquiring host 3 executes the acquiring program related to the payment request.

本新型電子錢包支付系統100的一第二實施例與該第一實施例相近，其差異說明如下。在該第二實施例中，該商店端電子裝置800是一網路商店伺服器，也就是說該第一商店為一網路商店，該消費端電子裝置1在此實施態樣中不以行動通訊裝置為限，該消費端電子裝置1也可以例如是桌上型電腦或膝上型電腦。該消費端電子裝置1藉由網路電連接該商店端電子裝置800，而在步驟S01中，該消費端電子裝置1是透過網路提供該錢包識別資料D3給該商店端電子裝置800。A second embodiment of the new electronic wallet payment system 100 is similar to the first embodiment, and the differences are described as follows. In the second embodiment, the store-side electronic device 800 is an online store server, that is to say the first store is an online store, and the consumer-side electronic device 1 does not take action in this embodiment The communication device is limited, and the consumer electronic device 1 may be, for example, a desktop computer or a laptop computer. The consumer-side electronic device 1 is electrically connected to the store-side electronic device 800 via a network, and in step S01, the consumer-side electronic device 1 provides the wallet identification data D3 to the store-side electronic device 800 via the network.

綜上所述，本新型電子錢包支付系統100藉由該電子錢包伺服器2於接收到來自該商店端電子裝置800的該錢包識別資料D3及該商品金額後傳送包含該錢包識別資料D3對應的該會員識別資料D1的該折抵金額請求給該會員管理伺服器900，且藉由該電子錢包伺服器2於接收到來自該會員管理伺服器900的該可折抵金額後根據該商品金額及該可折抵金額產生該支付淨額並傳送包含該支付淨額及該使用者付款資料D4的該支付請求給該收單主機3，使得儲存在歸屬於該第二商店的該會員管理伺服器900的該會員點數D2能夠被用來折抵在該第一商店的消費，從而使該會員點數D2不僅能在該第二商店使用，還能用於跨商店折抵消費；此外，藉由該電子錢包伺服器2傳送包含該支付淨額或該商品金額的點數儲存請求給該會員管理伺服器900，使該會員管理伺服器900根據該點數儲存請求將該會員點數D2加上該新增點數，從而使得在該第一商店的消費也能累積該第二商店的該會員點數D2，故確實能達成本新型之目的。In summary, the new electronic wallet payment system 100 uses the electronic wallet server 2 to receive the wallet identification data D3 from the store-side electronic device 800 and the amount of goods after sending the corresponding information including the wallet identification data D3. The credit amount of the member identification data D1 is requested to the member management server 900, and after receiving the deductible amount from the member management server 900 by the e-wallet server 2, according to the commodity amount and The deductible amount generates the net payment amount and transmits the payment request including the net payment amount and the user payment data D4 to the acquiring host 3 so that it is stored in the member management server belonging to the second store The member point D2 of 900 can be used to offset the consumption in the first store, so that the member point D2 can be used not only in the second store, but also for cross-store discount consumption; The electronic wallet server 2 transmits a point storage request including the net payment amount or the amount of the commodity to the member management server 900, so that the member management server 900 adds the member point D2 according to the point storage request The newly added points are added, so that the consumption in the first store can also accumulate the member points D2 of the second store, so 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 the new model cannot be limited by this, any simple equivalent changes and modifications made according to the patent application scope and patent specification content of the new model are still regarded as Within the scope of this new patent.

1:消費端電子裝置 2:電子錢包伺服器 3:收單主機 100:電子錢包支付系統 800:商店端電子裝置 900:會員管理伺服器 D1:會員識別資料 D2:會員點數 D3:錢包識別資料 D4:使用者付款資料 D5:折抵設定資料 S01~S12:步驟 1: Consumer electronic devices 2: Electronic wallet server 3: acquiring host 100: electronic wallet payment system 800: Store-side electronic device 900: Member Management Server D1: Member identification information D2: Member points D3: Wallet identification information D4: User payment information D5: Discount setting data S01~S12: 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是本新型電子錢包支付系統的一第一實施例的一硬體連接關係示意圖；及 圖2是該第一實施例的一流程圖。 Other features and functions of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: 1 is a schematic diagram of a hardware connection relationship of a first embodiment of the new electronic wallet payment system; and FIG. 2 is a flowchart of the first embodiment.

1:消費端電子裝置 1: Consumer electronic devices

2:電子錢包伺服器 2: Electronic wallet server

3:收單主機 3: acquiring host

100:電子錢包支付系統 100: electronic wallet payment system

800:商店端電子裝置 800: Store-side electronic device

900:會員管理伺服器 900: Member Management Server

D1:會員識別資料 D1: Member identification information

D2:會員點數 D2: Member points

D3:錢包識別資料 D3: Wallet identification information

D4:使用者付款資料 D4: User payment information

D5:折抵設定資料 D5: Discount setting data

Claims (5)

一種電子錢包支付系統，適於與一歸屬於一第一商店的商店端電子裝置及一歸屬於一第二商店的會員管理伺服器通訊，該會員管理伺服器儲存有一會員識別資料，及一對應於該會員識別資料的會員點數，該電子錢包支付系統包含： 一消費端電子裝置，儲存有一錢包識別資料； 一電子錢包伺服器，電連接該消費端電子裝置並儲存有該錢包識別資料、對應於該錢包識別資料的該會員識別資料及一對應於該錢包識別資料的使用者付款資料；及 一收單主機，電連接該電子錢包伺服器； 該消費端電子裝置提供該錢包識別資料給該商店端電子裝置； 該電子錢包伺服器於接收到來自該商店端電子裝置的該錢包識別資料及一商品金額後，傳送一包含該錢包識別資料對應的該會員識別資料的折抵金額請求給該會員管理伺服器，該折抵金額請求使該會員管理伺服器根據該會員識別資料對應的該會員點數產生一可折抵金額，並使該會員管理伺服器將該可折抵金額回傳給該電子錢包伺服器； 於接收到該可折抵金額後，該電子錢包伺服器根據該商品金額及該可折抵金額產生一支付淨額，並傳送一包含該支付淨額及該使用者付款資料的支付請求給該收單主機； 當該收單主機接收到該支付請求，該收單主機執行一相關於該支付請求的收單程序。 An electronic wallet payment system is suitable for communicating with a store-side electronic device belonging to a first store and a member management server belonging to a second store. The member management server stores a member identification data and a correspondence For the member points of the member identification data, the electronic wallet payment system includes: A consumer electronic device that stores a wallet identification data; An electronic wallet server electrically connected to the consumer electronic device and storing the wallet identification data, the member identification data corresponding to the wallet identification data, and a user payment data corresponding to the wallet identification data; and An acquiring host, electrically connected to the electronic wallet server; The consumer electronic device provides the wallet identification data to the store electronic device; After receiving the wallet identification data and a commodity amount from the store-side electronic device, the electronic wallet server sends a request for a discount amount including the member identification data corresponding to the wallet identification data to the member management server, The credit amount request causes the member management server to generate a deductible amount based on the member points corresponding to the member identification data, and causes the member management server to return the deductible amount to the e-wallet server ; After receiving the deductible amount, the e-wallet server generates a net payment based on the commodity amount and the deductible amount, and transmits a payment request containing the net payment and the user's payment information to the Acquiring host; When the acquiring host receives the payment request, the acquiring host executes an acquiring program related to the payment request. 如請求項1所述的電子錢包支付系統，其中，該電子錢包伺服器還傳送一包含該支付淨額的點數儲存請求給該會員管理伺服器，該點數儲存請求使該會員管理伺服器根據該支付淨額產生一新增點數，並使該會員管理伺服器將該會員點數加上該新增點數。The electronic wallet payment system according to claim 1, wherein the electronic wallet server also transmits a point storage request including the net payment amount to the member management server, and the point storage request causes the member management server An additional point is generated based on the net payment amount, and the member management server is caused to add the additional point to the member point. 如請求項1所述的電子錢包支付系統，其中，該電子錢包伺服器還儲存有一指示自動折抵或不自動折抵的折抵設定資料； 該電子錢包伺服器於接收到來自該商店端電子裝置的該錢包識別資料及一商品金額後，且於傳送該折抵金額請求給該會員管理伺服器前，判斷該折抵設定資料指示自動折抵或不自動折抵； 當該電子錢包伺服器判斷該折抵設定資料指示自動折抵，該電子錢包伺服器傳送該折抵金額請求給該會員管理伺服器； 當該電子錢包伺服器判斷該折抵設定資料指示不自動折抵，該電子錢包伺服器傳送包含該商品金額及該使用者付款資料的該支付請求給該收單主機。 The electronic wallet payment system according to claim 1, wherein the electronic wallet server also stores a set of discount data indicating automatic or non-automatic discount; After receiving the wallet identification data and a commodity amount from the store-side electronic device, the electronic wallet server determines that the discount setting data indicates automatic discount before sending the discount amount request to the member management server With or without automatic discount; When the e-wallet server determines that the set-off data indicates an automatic offset, the e-wallet server sends the request for the amount of the offset to the member management server; When the e-wallet server determines that the set-off data indicates no automatic rebate, the e-wallet server transmits the payment request containing the product amount and the user's payment data to the acquiring host. 如請求項3所述的電子錢包支付系統，其中，該電子錢包伺服器於判斷該折抵設定資料指示不自動折抵後，該電子錢包伺服器還傳送一包含該商品金額的點數儲存請求給該會員管理伺服器，該點數儲存請求使該會員管理伺服器根據該商品金額產生一新增點數，並使該會員管理伺服器將該會員點數加上該新增點數。The electronic wallet payment system according to claim 3, wherein after the electronic wallet server determines that the discount setting data indicates no automatic discount, the electronic wallet server also transmits a point storage request including the amount of the product To the member management server, the point storage request causes the member management server to generate an additional point based on the amount of the commodity, and causes the member management server to add the member point to the additional point. 如請求項1所述的電子錢包支付系統，其中，於接收到該可折抵金額後，該電子錢包伺服器是根據該商品金額及該可折抵金額產生該支付淨額及一實際折抵金額，且該電子錢包伺服器將該實際折抵金額傳送給該會員管理伺服器，該實際折抵金額使該會員管理伺服器根據該實際折抵金額產生一折抵點數，並使該會員管理伺服器將該會員點數扣除該折抵點數。The electronic wallet payment system according to claim 1, wherein after receiving the deductible amount, the e-wallet server generates the net payment and an actual discount based on the commodity amount and the deductible amount Amount, and the e-wallet server sends the actual discount amount to the member management server, the actual discount amount causes the member management server to generate a discount point based on the actual discount amount, and causes the member The management server deducts the member points from the credit points.
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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI808381B (en) * 2021-02-09 2023-07-11 國泰人壽保險股份有限公司 Insurance product premium discount method and system, insurance company server

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI808381B (en) * 2021-02-09 2023-07-11 國泰人壽保險股份有限公司 Insurance product premium discount method and system, insurance company server

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