TWM610169U - Integrated payment wallet system - Google Patents
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Abstract
本創作係提供一種整合支付錢包之系統，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，銷售端伺服器依據交易資訊傳送對應銷售端伺服器之第一支付伺服器之結帳資訊至消費端電子裝置，若消費端電子裝置不支援第一支付伺服器時，第一支付伺服器將會與仲介主機連結，並傳送對應消費端電子裝置之第二支付伺服器至仲介主機，再經由仲介主機傳送結帳資訊至第二支付伺服器進行支付，如此一來，銷售端伺服器與金融主機不需逐一進行串接，而可提供消費端電子裝置以現有支付伺服器進行支付，增加其便利性以及降低開發成本。 This creation is to provide a system for integrating payment wallets. When a consumer electronic device is used to conduct transactions on the transaction page of the sales server, the sales server sends the corresponding transaction information to the first payment server of the sales server according to the transaction information. The account information is sent to the consumer electronic device. If the consumer electronic device does not support the first payment server, the first payment server will connect with the intermediary host and send the second payment server corresponding to the consumer electronic device to the intermediary host , And then send the checkout information to the second payment server through the intermediary host for payment. In this way, the sales-side server and the financial host do not need to be serially connected one by one, and the consumer electronic device can be provided for payment with the existing payment server , Increase its convenience and reduce development costs.
Description
本創作係關於一種支付系統，特別是指一種整合支付錢包之系統。This creation is about a payment system, especially a system that integrates payment wallets.
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，從以往的現金支付或塑膠貨幣支付，取而代之的是行動支付，現行各家行動支付產品，包含電子支付、電子票證以及第三方支付，並依據其法令規章以及其支付通路的不同進行劃分，而行動支付為一種將實體支付工具與行動裝置結合的支付方式，於近端交易時，其可透過行動裝置內的支付工具所提供之專屬快速響應矩陣圖碼(Quick Response Code, QR-code) 或者利用行動裝置之近距離無線通訊(Near-field communication, NFC)技術，使得銷售端可透過行動裝置刷條碼或感應的方式完成交易。With the diversified development of digital finance, coupled with the fact that most people have one machine, their consumption methods have gradually changed. From cash payment or plastic currency payment in the past, mobile payment is replaced by mobile payment products. , Including electronic payment, electronic ticket and third-party payment, and are divided according to their laws and regulations and their payment channels. Mobile payment is a payment method that combines physical payment tools with mobile devices. In near-end transactions, it You can use the exclusive Quick Response Code (QR-code) provided by the payment tool in the mobile device or use the Near-field communication (NFC) technology of the mobile device to make the sales end The mobile device scans the barcode or sensor to complete the transaction.
另一方面，則是遠端交易，如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***/金融卡付款、網頁或額外下載安裝於手機的應用程式等，但這樣一來，必須由銷售端逐一與各種支付伺服器進行簽約綁定後才能使用，而消費者亦必須使用銷售端綁定之支付伺服器進行交易支付，因此同時有多個不同的銷售端且其分別綁定不同的支付伺服器，消費者就必須同時安裝多的支付伺服器，對於消費者相當不便。On the other hand, it is a remote transaction, such as e-commerce online transactions, consumers need to pay through the payment methods limited by the sales end, such as credit/financial card payment, web pages or additional downloads and applications installed on mobile phones, etc. However, in this way, the sales end must be signed and bound with various payment servers one by one, and consumers must also use the payment server bound to the sales end to make transaction payments. Therefore, there are multiple different sales ends at the same time. In addition, they are bound to different payment servers, and consumers must install multiple payment servers at the same time, which is quite inconvenient for consumers.
依據上述內容可以知道，本創作為提供一種整合支付錢包之系統，藉由仲介主機使得銷售端伺服器可透過仲介主機介接，以提供銷售端伺服器支援跨平台、多元付款應用程式之電子商務交易，使得銷售端伺服器不需逐一與各家支付伺服器進行串接，同時減少銷售端伺服器的串接成本，同時金融機構端透過仲介主機將其支付伺服器上架，而不需個別與銷售端伺服器串接，亦可降低開發維護成本，並同時提供消費端電子裝置以現有的支付伺服器進行支付，而不需逐一下載安裝其銷售端伺服器限定之支付伺服器。Based on the above content, it can be known that this creation is to provide a system for integrating payment wallets. Through the intermediary host, the sales-end server can be interfaced through the intermediary host to provide the sales-end server to support e-commerce with cross-platform and multiple payment applications. The transaction eliminates the need for the sales-side servers to be connected with each payment server one by one, and reduces the cost of connection with the sales-side servers. At the same time, the financial institutions put their payment servers on the shelves through the intermediary host instead of individually connecting with them. The serial connection of the sales-end server can also reduce development and maintenance costs. At the same time, it provides consumer electronic devices to pay with the existing payment server, instead of downloading and installing the payment servers limited by the sales-end server one by one.
本創作之一目的，在於提供一種整合支付錢包之系統，其金融主機可透過仲介主機與銷售端伺服器連結，以提供銷售以提供銷售端伺服器支援跨平台、多元付款應用程式之電子商務交易，大幅增加其便利性以及降低技術成本。One of the purposes of this creation is to provide a system for integrating payment wallets. The financial host can be connected to the sales-end server through the intermediary host to provide sales. The sales-end server supports cross-platform and multi-payment application e-commerce transactions. , Which greatly increases its convenience and reduces technical costs.
針對上述之一目的，本創作提供一種整合支付錢包之系統，其包含:一銷售端伺服器，其具有一交易頁面以及對應於該銷售端伺服器之一第一支付伺服器；一仲介主機，其透過該第一支付伺服器與該銷售端伺服器連結；以及一消費端電子裝置，其具有一第二支付伺服器；其中該消費端電子裝置透過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至該銷售端伺服器，該銷售端伺服器依據該交易資訊傳送一結帳資訊至該消費端電子裝置，當該消費端電子裝置不支援該第一支付伺服器時，該第一支付伺服器與一仲介主機連結，並傳送對應於該消費端電子裝置之該第二支付伺服器至該仲介主機，並透過該仲介主機傳送該結帳資訊至對應於該消費端電子裝置之該第二支付伺服器，使得該第二支付伺服器依據該結帳資訊進行支付該第一支付伺服器。Aiming at one of the above-mentioned purposes, this creation provides a system for integrating payment wallets, which includes: a sales-end server having a transaction page and a first payment server corresponding to the sales-end server; an intermediary host, It is connected to the sales-end server through the first payment server; and a consumer-end electronic device having a second payment server; wherein the consumer-end electronic device clicks on at least one product information through the transaction page to generate And send a transaction information to the sales end server, the sales end server sends a checkout information to the consumer electronic device according to the transaction information, when the consumer electronic device does not support the first payment server, the The first payment server is connected with an intermediary host, and transmits the second payment server corresponding to the consumer electronic device to the intermediary host, and transmits the checkout information to the corresponding consumer electronic device through the intermediary host The second payment server enables the second payment server to pay the first payment server according to the checkout information.
本創作提供一實施例，其中該第二支付伺服器更進一步依據該結帳資訊生成一支付頁面，並透過該第二支付伺服器傳送至該消費端電子裝置，該消費端電子裝置透過該支付頁面進行支付，以生成並傳送一支付結果至該仲介主機，並經該仲介主機傳送該支付結果至該銷售端伺服器之該第一支付伺服器。The present invention provides an embodiment in which the second payment server further generates a payment page based on the checkout information, and transmits it to the consumer electronic device through the second payment server, and the consumer electronic device uses the payment The page performs payment to generate and send a payment result to the intermediary host, and send the payment result to the first payment server of the sales end server via the intermediary host.
本創作提供一實施例，其中該第二支付伺服器更進一步依據該結帳資訊生成一支付命令，並傳送該支付命令至對應於該第二支付伺服器之一金融主機，該金融主機依據該支付命令生成該支付頁面，並透過該第二支付伺服器傳送至該消費端電子裝置進行支付，以生成並傳送該支付結果至該仲介主機，並經該仲介主機傳送該支付結果至該銷售端伺服器之該第一支付伺服器。This creation provides an embodiment, wherein the second payment server further generates a payment command based on the checkout information, and transmits the payment command to a financial host corresponding to the second payment server, and the financial host according to the The payment command generates the payment page, and sends it to the consumer electronic device for payment through the second payment server, so as to generate and send the payment result to the intermediary host, and send the payment result to the sales end via the intermediary host The first payment server of the server.
本創作提供一實施例，其中該結帳資訊具有該交易資訊以及該銷售端伺服器之一交易類型清單。This creation provides an embodiment, wherein the checkout information has the transaction information and a transaction type list of the sales server.
本創作提供一實施例，其中該第一支付伺服器以及該第二支付伺服器為一金融機構伺服器、一數位錢包資料伺服器或一電子支付資料伺服器的至少其中之一。The present invention provides an embodiment, wherein the first payment server and the second payment server are at least one of a financial institution server, a digital wallet data server, or an electronic payment data server.
為使 貴審查委員對本創作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 to have a better understanding and understanding of the features of this creation and the effects achieved, I would like to provide a better embodiment and detailed explanations. The explanations are as follows:
習知支付方式需透過銷售端伺服器逐一與各家金融主機進行串接，而消費端電子裝置則必須以銷售端伺服器所串接之各家金融主機的支付伺服器進行支付，為此，本創作提供一種整合支付錢包之系統，其銷售端伺服器經仲介主機與金融主機進行連結，以提供銷售端伺服器支援跨平台、多元付款應用程式之電子商務交易，使得銷售端伺服器與金融主機不需逐一進行串接，同時降低銷售端伺服器與金融主機之間的串接服務的開發維護成本，且提供消費端電子裝置以現有的支付伺服器進行支付，提升消費端之便利性。The conventional payment method needs to be connected to each financial host one by one through the sales-end server, and the consumer electronic device must be paid by the payment server of each financial host connected to the sales-end server. For this reason, This creation provides a system for integrating payment wallets. The sales-end server is connected with the financial host through the intermediary host, so as to provide the sales-end server to support cross-platform and multi-payment application e-commerce transactions, so that the sales-end server and financial The host does not need to be serialized one by one, and at the same time, the development and maintenance cost of the serial connection service between the sales-end server and the financial host is reduced, and the consumer-end electronic device is provided for payment with the existing payment server, which improves the convenience of the consumer-end.
在下文中，將藉由圖式來說明本創作之各種實施例來詳細描述本創作。然而本創作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。In the following, various embodiments of the present creation will be described in detail by illustrating various embodiments of the present creation through drawings. However, the concept of this creation may be embodied in many different forms, and should not be construed as being limited to the exemplary embodiments described herein.
首先，請參閱第一圖，其為本創作之一實施例之方法流程圖。如圖所示，其為一種整合支付錢包之方法，其步驟包含：First of all, please refer to the first figure, which is a flowchart of a method according to an embodiment of the creation. As shown in the figure, it is a method of integrating payment wallets, 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: 該消費端電子裝置依據該交易頁面之至少一商品資訊，生成並傳送一交易資訊至該銷售端伺服器；Step S3: The consumer electronic device generates and transmits a transaction information to the sales server according to at least one product information on the transaction page;
步驟S5: 該銷售端伺服器依據該交易資訊傳送對應於該銷售端伺服器之一第一支付伺服器之一結帳資訊至該消費端電子裝置；Step S5: The sales end server transmits checkout information corresponding to one of the first payment servers of the sales end server to the consumer electronic device according to the transaction information;
步驟S7: 當該消費端電子裝置不支援該第一支付伺服器且該第一支付伺服器連結一仲介主機時，該消費端電子裝置透過該第一支付伺服器連結一仲介主機；Step S7: When the consumer electronic device does not support the first payment server and the first payment server is connected to an intermediary host, the consumer electronic device connects to an intermediary host through the first payment server;
步驟S9: 該仲介主機依據該結帳資訊傳送對應於該消費端電子裝置之該第二支付伺服器的一轉址頁面至該消費端電子裝置；Step S9: The intermediary host transmits a forwarding page corresponding to the second payment server of the consumer electronic device to the consumer electronic device according to the checkout information;
步驟S11: 該消費端電子裝置依據該轉址頁面連結並取得對應之至少一電子錢包資料；Step S11: The consumer electronic device obtains at least one corresponding electronic wallet data according to the forwarding page link;
步驟S13: 該消費端電子裝置依據該電子錢包資料與該結帳資訊透過該仲介主機傳送一支付資料至該第二支付伺服器；以及Step S13: The consumer electronic device transmits a payment data to the second payment server through the intermediary host according to the e-wallet data and the checkout information; and
步驟S15: 該第二支付伺服器依據支付資料生成一支付結果並透過該仲介主機傳送至該第一支付伺服器。Step S15: The second payment server generates a payment result according to the payment data and transmits it to the first payment server through the intermediary host.
請一併參閱第二A圖至第二E圖，其為本創作之一實施例之系統示意圖。如圖所示，其為一種整合支付錢包之系統，其包含銷售端伺服器1、消費端電子裝置2、仲介主機3，其中銷售端伺服器1具有交易頁面A以及對應於銷售端伺服器1之第一支付伺服器11，而仲介主機3透過第一支付伺服器11與銷售端伺服器1連結，消費端電子裝置2具有第二支付伺服器21，並以整合支付錢包之系統執行整合支付錢包之方法，分述如下。Please also refer to the second A to the second E, which are schematic diagrams of the system according to an embodiment of the creation. As shown in the figure, it is an integrated payment wallet system, which includes a sales-
於步驟S1中，如第二A圖所示，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，本實施例係以智慧型手機作為舉例說明。In step S1, as shown in Figure 2A, in this embodiment, the consumer
於步驟S3中，如第二A圖所示，使用者透過消費端電子裝置2於交易頁面A上點擊至少一商品資訊，使消費端電子裝置2依據商品資訊生成對應之交易資訊T至銷售端伺服器1，其中交易資訊T具有商品資訊、銷售端伺服器之收帳資訊以及銷售端伺服器之轉址指令。In step S3, as shown in Figure 2A, the user clicks on at least one item of product information on the transaction page A through the consumer
於步驟S5中，如第二B圖所示，銷售端伺服器1依據交易資訊傳送對應銷售端伺服器1之第一支付伺服器11之結帳資訊R至消費端電子裝置2，使消費端電子裝置2顯示結帳資訊R，其中結帳資訊R具有銷售端伺服器之收帳資訊、銷售端伺服器之交易類型清單P1以及銷售端伺服器之轉址指令，即銷售端伺服器所支援的交易類型清單，如支援***、金融卡或其它等支付伺服器，本實施例係以第一支付伺服器11對應之第一支付與仲介主機3對應之整合支付作為舉例。In step S5, as shown in Figure 2B, the sales-
於步驟S7中，如第二B圖所示，當消費端電子裝置2不支援第一支付伺服器11時，即使用者在消端電子裝置2所顯示之交易類型清單P1中，判斷消費端電子裝置2無支援第一支付伺服器11對應之第一支付，因而點選仲介主機3對應之整合支付的選項，至此消費端電子裝置2即透過第一支付伺服器11連結仲介主機3，其中第一支付伺服器11為金融機構伺服器、數位錢包資料伺服器或電子支付資料伺服器的至少其中之一。In step S7, as shown in Figure 2B, when the consumer
於步驟S9中，如第二C圖所示，仲介主機3即接收來自於消費端電子裝置2之結帳資訊R並依據結帳資訊R產生對應之一轉址頁面P2，仲介主機3依據結帳資訊R將對應消費端電子裝置2之第二支付伺服器21之轉址頁面P2傳送至消費端電子裝置2，轉址頁面P2上具有至少一電子錢包資料的選項，因而對應提供連結，以連結對應之電子錢包資料，本實施例係以第一電子錢包資料與第二電子錢包資料作為舉例，以供使用者選取對應之電子錢包資料。In step S9, as shown in Figure 2C, the
於步驟S11中，如第二D圖所示，該消費端電子裝置2依據該轉址頁面P2連結並取得對應之至少一電子錢包資料，因而顯示對應之電子錢包資料P3，並對應結帳資訊R而讓使用者確認以電子錢包資料，本實施例係以第二電子錢包資料作為舉例說明，其中第二電子錢包資料之餘額為20000元，待使用者確認是否以第二電子錢包資料進行支付；In step S11, as shown in the second diagram D, the consumer
於步驟S13中 ，如第二D圖所示，使用者於按下確認支付之按鈕後，消費端電子裝置2依據電子錢包資料P3與結帳資訊R而產生對應之一支付資料PD，且消費端電子裝置2透過仲介主機3將支付資料PD傳送至第二支付伺服器21；以及In step S13, as shown in the second diagram D, after the user presses the payment confirmation button, the consumer
如步驟S15所示，如第二E圖所示，第二支付伺服器21依據支付資料PD提撥支付金額M並透過仲介主機3撥付至第一之付伺服器11，且第二支付伺服器21生成支付結果後傳送至仲介主機3，最後經由仲介主機3傳送支付結果至銷售端伺服器1之第一支付伺服器12，以進行交易。As shown in step S15, as shown in the second diagram E, the
請進一步參閱第一B圖，，其中步驟S15中，步驟包含:Please further refer to Figure 1B, where in step S15, the steps include:
步驟S152: 該第二支付平台依據該支付資料透過該仲介主機撥付對應之一支付金額至第一支付伺服器，以產生並傳送該支付結果至該仲介主機；以及Step S152: The second payment platform allocates a corresponding payment amount to the first payment server through the intermediary host according to the payment data, so as to generate and transmit the payment result to the intermediary host; and
步驟S154: 該仲介主機傳送該支付結果至該第一支付伺服器。Step S154: The intermediary host transmits the payment result to the first payment server.
如步驟S152所示，第二支付伺服器21依據支付資料PD生成支付命令而將第二支付伺服器21所連結之金融主機提撥支付金額M至第二支付伺服器21，以將支付金額M透過仲介主機3轉撥至第一支付伺服器11，因而生成一支付結果至仲介主機3。As shown in step S152, the
如步驟S154所示，經由仲介主機3傳送支付結果至銷售端伺服器1之第一支付伺服器12，以完成交易，同時，仲介主機3更可傳送支付結果PR至消費端電子裝置2，使消費端電子裝置2對應顯示完成支付訊息P4之畫面訊息，同時，讓使用者確認是否繼續購物或離開交易頁面。As shown in step S154, the payment result is sent to the first payment server 12 of the sales-
以上所述之實施例，本創作提供一種整合支付錢包之系統，其銷售端伺服器經仲介主機與金融主機進行連結，使得銷售端伺服器與金融主機不需逐一進行串接，同時降低銷售端伺服器與金融主機之開發維護成本，且提供消費端電子裝置以現有的支付伺服器進行支付，提升消費端之便利性。In the above-mentioned embodiments, this creation provides a system for integrating payment wallets. The sales-end server is connected with the financial host through the intermediary host, so that the sales-end server and the financial host do not need to be serially connected one by one, and at the same time reduce the sales end. The development and maintenance cost of the server and the financial host, and the provision of consumer electronic devices to pay with the existing payment server to enhance the convenience of the consumer.
故本創作實為一具有新穎性、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，爰依法提出新型專利申請，祈鈞局早日賜准專利，至感為禱。Therefore, this creation is really novel, progressive, and available for industrial use. It should meet the patent application requirements of my country's patent law. Undoubtedly, Yan filed a new patent application in accordance with the law. I pray that the Bureau will grant the patent as soon as possible.
惟以上所述者，僅為本創作之較佳實施例而已，並非用來限定本創作實施之範圍，舉凡依本創作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，均應包括於本創作之申請專利範圍內。However, the above are only the preferred embodiments of this creation, and are not used to limit the scope of implementation of this creation. For example, the equivalent changes and modifications of the shape, structure, characteristics and spirit described in the scope of the patent application for this creation are made. , Should be included in the scope of patent application for this creation.
1:銷售端伺服器 11:第一支付伺服器 2:消費端電子裝置 21:第二支付伺服器 3:仲介主機 A:交易頁面 M:支付金額 R:結帳資訊 P1:交易類型清單 P2:轉址頁面 P3:電子錢包資料 P4:完成支付訊息 PD:支付資料 PR:支付結果 S1-S15:步驟 S152-S154:步驟 T:交易資訊 1: Sales server 11: The first payment server 2: Consumer electronics 21: The second payment server 3: Intermediary host A: Transaction page M: payment amount R: Checkout information P1: List of transaction types P2: Forwarding page P3: Electronic wallet information P4: Complete payment message PD: payment information PR: payment result S1-S15: steps S152-S154: steps T: Transaction Information
第一A圖：其為本創作之一實施例之流程圖； 第一B圖 ：其為本創作之一實施例之支付步驟之流程圖；以及 第二A圖至第二E圖：其為本創作之一實施例之系統示意圖。 Figure 1 A: It is a flowchart of an embodiment of this creation; Figure 1 B: It is a flowchart of the payment steps of an embodiment of this creation; and The second A to the second E: which are schematic diagrams of the system of an embodiment of the creation.
1:銷售端伺服器 1: Sales server
11:第一支付伺服器 11: The first payment server
2:消費端電子裝置 2: Consumer electronics
21:第二支付伺服器 21: The second payment server
3:仲介主機 3: Intermediary host
R:結帳資訊 R: Checkout information
P2:轉址頁面 P2: Forwarding page
P3:電子錢包資料 P3: Electronic wallet information
Claims (4)
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| TW109212489U TWM610169U (en) | 2020-09-22 | 2020-09-22 | Integrated payment wallet system |
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| TW109212489U TWM610169U (en) | 2020-09-22 | 2020-09-22 | Integrated payment wallet system |
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| TWM610169U true TWM610169U (en) | 2021-04-11 |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI778573B (en) * | 2021-04-12 | 2022-09-21 | 財金資訊股份有限公司 | Method and system for integrating payment platform |
| TWI786437B (en) * | 2020-09-22 | 2022-12-11 | 財金資訊股份有限公司 | Method and system for integrating payment wallets |
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2020
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI786437B (en) * | 2020-09-22 | 2022-12-11 | 財金資訊股份有限公司 | Method and system for integrating payment wallets |
| TWI778573B (en) * | 2021-04-12 | 2022-09-21 | 財金資訊股份有限公司 | Method and system for integrating payment platform |
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