TW202109408A - Account payment managing system and method thereof - Google Patents

Abstract

An account payment managing system is applied on a trading behavior between a user mobile device and a payment platform. The payment platform generates a payment message according to the trading behavior, and a payment service terminal pays for the trading behavior according to an electronic purse of the user mobile device and the payment message. The account payment managing system includes an account managing device connected to the payment platform and the payment service terminal. The account managing device includes a storage and a pay authentication transmitting module. The storage is configured for storing the account data of the electronic purse. The pay authentication transmitting module is configured for receiving the payment message and achieving the account data from the storage according to the payment message, and transmits the payment message and the account data to the payment service terminal.

Description

Management account payment system and method

The present invention relates to a management account payment system, and in particular, to a management account payment system that can improve the security of personal information.

With the vigorous development of the Internet, society is moving towards a paperless era, which also changes people's lifestyles. People gradually use the Internet to handle various matters, such as transactions, mail exchanges or data transmission. In various online activities, the way of trading transactions has changed significantly. Automatic payment is one of the common transaction methods. Users can store credit cards and electronic wallets in mobile devices (such as mobile phones) to pay for various services, digital goods, or physical goods. Mobile payment methods include SMS-based transfer payment, mobile bill payment, mobile online payment, QR code payment, etc. When users use mobile payment, they conduct transactions through transaction platforms, such as LINE Pay, Apple Pay, Alipay, and Jiekou payment. Therefore, users do not need to bring a physical wallet, and only need to use a mobile phone to conduct transactions.

Due to the popularity of mobile payment, open banking (Open Banking) transactions have also been developed. Open Banking is composed of Account Information Service Provider (AISP), Payment Initiation Service Provider (PISP) and Account Servicing Payment Service Providers (ASPAP). AISP can provide applications, which can include The user's electronic wallet can also display the user's account balance. The PISP can be an electronic payment platform, an e-commerce platform, a payment agent or a special credit card store, etc., and can conduct transactions with the user's electronic wallet. And ASPAP can be a financial institution (such as a bank). When a user uses an electronic wallet to make a payment, PISP first generates a payment message, and AISP sends the user's electronic wallet account and password to PISP according to the payment message; then PISP sends the payment message and the electronic wallet account secret To ASPAP for transaction; finally, ASPAP transfers the balance after the transaction to AISP according to the e-wallet account to complete the payment.

In a normal open bank payment process, the user's e-wallet account and password need to be transmitted between AISP and PISP for the subsequent transaction process. However, the types of PISP are numerous and complex, and the design and transaction agreement of each PISP are different. Therefore, when the user's e-wallet account and password are sent to the PISP, there may be a risk of personal data leakage.

Therefore, it is necessary to develop a payment system that can conduct transactions and payments without sending the account and password of the electronic wallet to the transaction platform to solve the problems of the prior art.

In view of this, one of the scopes of the present invention is to provide a management account payment system that can receive payment messages from the payment platform and directly send the payment messages and the e-wallet account and password to the payment server, so as to enhance the user's personal security.

According to an embodiment of the present invention, the management account payment system is applied to a transaction between a user's mobile device and a payment transaction platform. The payment transaction platform generates a payment message according to the transaction behavior. A payment server performs payment for the transaction according to the payment message and an electronic wallet of the user's mobile device. The management account payment system includes an account management device Receive payment transaction platform and payment server. The account management device further includes a storage unit and a payment authentication transmission module. The storage unit is used to store the account information of the electronic wallet. The payment authentication transmission module is connected to the storage unit. The payment authentication transmission module is used to receive payment information from the payment transaction platform, obtain account information from the storage unit according to the payment information, and send the payment information and account information to the payment server.

Among them, the account management device further includes an encryption module and a segmentation module, and the encryption module and the segmentation module are connected to the storage unit. The encryption module encrypts the account data to form an encrypted file, the dividing module divides the encrypted file into a plurality of divided encrypted files, and stores the plurality of divided encrypted files in the storage unit. In addition, the account management device further includes a decryption module connected to the storage unit and the payment authentication transmission module. The decryption module restores a plurality of divided encrypted files into account data, and transmits the account data to the payment authentication transmission module.

Among them, the payment authentication transmission module is used to receive a settlement message generated after payment by the payment server, and send the settlement message to the electronic wallet of the user's mobile device.

Among them, the payment authentication transmission module is connected to a blockchain network. The payment authentication transmission module is used to receive the settlement message generated after payment by the payment server, and send the payment message and the settlement message to the blockchain network to form a block in a blockchain.

Wherein, the payment authentication transmission module further includes an authentication module, and the authentication module transmits account data to the payment server according to authentication information of one of the user's mobile devices.

One category of the present invention is to provide a management account payment method. The payment method for managing the account includes the following steps: the payment transaction platform generates a payment message based on the transaction behavior with the user's mobile device; the payment transaction platform sends the payment message to the account management device; the account management device obtains the payment information from the storage unit of the account management device according to the payment information Electricity in the user's mobile device The account information of the sub-wallet; and the account management device sends payment messages and account information to the payment server to pay for the transaction.

Wherein, the management account payment method further includes the following steps: the payment authentication transmission module is used to receive the settlement message generated after payment by the payment server, and transmit the settlement message to the electronic wallet of the user's mobile device.

Among them, the management account payment method further includes the following steps: The payment authentication transmission module is used to receive the settlement message generated after payment by the payment server, and send the payment message and the settlement message to the blockchain network to form a blockchain In the block.

Wherein, in the step of sending the payment message and account data to the payment server, the following step is further included: the payment authentication transmission module sends the payment message and account data to the payment server according to the authentication information of the user's mobile device.

In summary, the management account payment system of the present invention can receive payment information from the payment platform through the account management device and obtain the account information of the electronic wallet based on the payment information, and can directly transmit the payment information and account information to the payment through the payment authentication transmission module The server can conduct transactions, thereby enhancing the personal security of users.

1‧‧‧Manage account payment system

11‧‧‧Account Management Device

111‧‧‧Storage Unit

112‧‧‧Payment authentication transmission module

1121‧‧‧Authentication Module

113‧‧‧Encryption Module

114‧‧‧Split Module

115‧‧‧Decryption Module

2‧‧‧User's mobile device

21‧‧‧Electronic Wallet

3‧‧‧Payment transaction platform

4‧‧‧Payment server

5‧‧‧Blockchain network

S1~S6, S41‧‧‧Step

Fig. 1 is a functional block diagram of a management account payment system according to a specific embodiment of the present invention.

Fig. 2 is a functional block diagram of a management account payment system according to a specific embodiment of the present invention.

Fig. 3 shows a flow of steps of a method for managing account payment according to a specific embodiment of the present invention Cheng Tu.

FIG. 4 is a flowchart illustrating the steps of a method for managing account payment according to a specific embodiment of the present invention.

Fig. 5 is a flowchart showing the steps of a method for managing account payment according to a specific embodiment of the present invention.

Fig. 6 is a flowchart showing the steps of a method for managing account payment according to a specific embodiment of the present invention.

In order to make the advantages, spirit and characteristics of the present invention easier and clearer to understand, the following will use specific embodiments and refer to the accompanying drawings for detailed and discussion. It should be noted that these specific embodiments are only representative specific embodiments of the present invention, and the specific methods, devices, conditions, materials, etc. exemplified therein are not intended to limit the present invention or the corresponding specific embodiments. In addition, each device in the figure is only used to express its relative position and is not drawn according to its actual scale, which is described first.

Please refer to Figure 1. FIG. 1 is a functional block diagram of a management account payment system 1 according to a specific embodiment of the present invention. In this specific embodiment, the management account payment system 1 of the present invention is applied to a transaction between the user's mobile device 2 and the payment transaction platform 3, and this transaction can be paid by the payment server 4. The payment transaction platform 3 generates a payment message according to the transaction behavior, and the payment server 4 performs payment to the transaction bank according to the payment message and the electronic wallet 21 of the user's mobile device 2. As shown in FIG. 1, the management account payment system 1 is connected to the user's mobile device 2, and further, the account management device 11 of the management account payment system 1 is connected to the electronic wallet 21 of the user's mobile device 2. The account data of the electronic wallet 21 can be stored in the storage unit 111 of the account management device 11. Therefore, the management account payment system 1 can obtain the user’s electronic account from the storage unit 111. Account information of wallet 21. The management account payment system 1 is connected to the payment transaction platform 3. Therefore, the management account payment system 1 can transmit data with the payment transaction platform 3 for transactions. In addition, the management account payment system 1 is also connected to the payment server 4, so the payment server 4 can make payments based on the information sent by the management account payment system 1.

In practice, the user's mobile device 2 can be a smart phone, a tablet, etc., and the payment transaction platform 3 can be a transaction device of a store or a merchant, such as a POS machine, a wireless card reader, or an application integrated with the payment device. The electronic wallet 21 can be a virtual credit card, a virtual passbook, or an electronic money stored in an application program and stored in the user's mobile device 2. The account data may be the account and password of the electronic wallet 21 of the corresponding user. In Figure 1, the number of electronic wallet 21 is one, but in practice it is not limited to this. The number of electronic wallet 21 can be one or more than two. Therefore, the number of account data corresponding to the electronic wallet 21 can be either One or more than two. The electronic wallet 21 and the payment transaction platform 3 can be built in the same application. Please note that although the management account payment system 1 and the payment transaction platform 3 in FIG. 1 are connected by a solid line, they can also be wirelessly connected in practice. When the user mobile device 2 establishes a transaction with the payment transaction platform 3, the payment transaction platform 3 can generate a payment message according to the account number of the electronic wallet 21. The payment server 4 can be a financial institution such as a bank or a post office. When the user's mobile device 2 establishes a transaction with the payment transaction platform 3 to generate a payment message, the payment server 4 can make a payment based on the account information and the payment message.

The account management payment system 1 of the present invention may include an account management device 11. The account management device 11 may further include a storage unit 111 and a payment authentication transmission unit 112. The storage unit 111 is used to store the account information of the electronic wallet 21. The payment authentication transmission module 112 is connected to the storage unit 111. The payment authentication transmission module 112 is used to receive payment information, obtain account information from the storage unit 111 according to the payment information, and send the payment information and account information to the payment server 4. In practice, the account management device 11 can be a server for connecting and processing transactions and payments between the user's mobile device 2, the payment transaction platform 3, and the payment server 4. The storage unit 111 can be a hard disk, and the payment authentication transmission module 112 can be a processor that integrates authentication, control, calculation, and transmission functions. The number of account management device 11, user mobile device 2, payment transaction platform 3, and payment server 4 can be one or more than two. Furthermore, one account management device 11 can be connected to multiple user mobile devices 2, Payment transaction platform 3 and payment server 4.

When the user mobile device 2 establishes a transaction with the payment transaction platform 3, the payment transaction platform 3 generates a transaction message and transmits it to the account management device 11. At this time, the transaction message may include transaction type information, transaction amount, transaction account number, and so on. In practice, the user’s mobile device 2 can establish transactions with the payment transaction platform 3 through QR code, Bar code, NFC, etc., and the payment transaction platform 3 can determine the electronic value of the user’s mobile device 2 through QR code, Bar code, and NFC. The type of the wallet 21, and a payment message matching the type of the electronic wallet 21 of the user's mobile device 2 is generated. The payment authentication transmission module 112 of the account management device 11 obtains the account data corresponding to the transaction message from the storage unit 111 according to the transaction message. For example: when the transaction type information in the transaction message is jiekou payment, the payment authentication transmission module 112 selects from the storage unit 111 the account of the e-wallet 21 for jiekou payment; and when the transaction type information in the transaction message is Apple Pay At this time, the payment authentication transmission module 112 selects the account number of the credit card bound to Apple Pay in the electronic wallet 21 from the storage unit 111. After the payment authentication transmission module 112 obtains the account data corresponding to the transaction message, the payment authentication transmission module 112 transmits the transaction message and the account data to the payment server 4. After the payment server 4 receives the transaction message and account data, the payment server 4 can compare whether the transaction account number in the transaction message is the same as the account number of the account data. If so, the payment server 4 can further follow the transaction message Of the transaction amount to make the payment for the account and generate a settlement message. The settlement message can be the total transaction amount Amount, the account balance of the electronic wallet 21, etc. Therefore, the transaction between the user's mobile device 2 and the payment transaction platform 3 can receive payment information through the payment authentication transmission module 112 and obtain the account data of the electronic wallet 21 from the storage unit 111, and directly communicate with the payment server 4 and complete it. The account data of the electronic wallet 21 does not need to be transacted through the payment transaction platform 3 to enhance the security of the user’s personal data.

The number of payment server 4 in FIG. 1 is one, but it is not limited to this in practice, and the number can be one or more than two. Since the user's electronic wallet 21 may contain accounts of different financial institutions, when the payment authentication transmission module 112 transmits the payment message and account data to the payment server 4, the payment server corresponding to the financial institution to which the account data belongs 4Receive payment information and account information and make payment. The number of account management devices 11 can also be one or more than two. Furthermore, one account management device 11 can be connected to multiple user mobile devices 2, payment transaction platform 3 and payment server 4. Therefore, the account management device 11. In a specific embodiment, the management account payment system 1 and the payment server 4 may further include an integration mechanism (not shown). When the payment authentication transmission module 112 transmits the payment message and account data to the payment server 4, the integration institution first receives the payment message and account data, and then transmits the payment message and account data according to the payment server 4 to which the payment message and account data belong To the corresponding payment server 4. In practice, the integration agency can be a third-party integration agency such as: FISC (Financial Information Co., Ltd.), FISC can connect multiple banks to FISC's integration platform, and can be based on the payment sent by the payment authentication transmission module 112 The information and account information are sent to the corresponding bank for payment, so that the management account payment system 1 can obtain a secure transaction environment.

Please refer to Figure 2. FIG. 2 is a functional block diagram of the management account payment system 1 according to a specific embodiment of the present invention. Differences between this specific embodiment and the foregoing specific embodiments The reason is that the payment authentication transmission module 112 further includes an encryption module 113 and a segmentation module 114. The encryption module 113 and the segmentation module 114 can be connected to the electronic wallet 21 and the storage unit 111. In practice, the encryption module 113 may be an encryption program, and the partition module 114 may be a partition program. Before the account data of the electronic wallet 21 is stored in the storage unit 111, the encryption module 113 can first encrypt the account data to form an encrypted file, and then the dividing module 114 divides the encrypted file to form a plurality of divided encrypted files, and finally Then, a plurality of divided encrypted files are scattered and stored in the storage unit 111. By encrypting and storing the above account data, the account and password of the user's electronic wallet 21 can be protected, and the user's personal data can be protected from being stolen by others to improve the security of the user's personal data.

In addition, the payment authentication transmission module 112 may also further include a decryption module 115 connected to the storage unit 111 and the payment authentication transmission module 112. In practice, the decryption module 115 may be a decryption program. When the account management device 11 receives the payment message, and the payment authentication transmission module 112 obtains the account data corresponding to the payment message from the storage unit 111, the decryption module 115 restores the plurality of divided encrypted files into encrypted files and converts the encrypted files After decrypting into account data, the account data is sent to the payment authentication transmission module 112.

The aforementioned payment authentication transmission module 112 can send the payment server 4 to the electronic wallet 21 of the user's mobile device 2 via the settlement message generated after payment. In practice, the payment server 4 can return the transaction information after the transaction between the user's mobile device 2 and the payment transaction platform 3 to the electronic wallet 21 of the user's mobile device 2 through the payment authentication transmission module 112. For example, after the bank processes a LINE Pay transaction, the bank can return the transaction amount and account balance to the electronic wallet 21 corresponding to the account data through the payment authentication transmission module 112 according to the LINE Pay account data. Therefore, the user can view relevant transaction information through the electronic wallet 21. In a specific embodiment, the payment authentication transmission module 112 can be connected to a blockchain network 5, and can connect the payment server 4 The settlement information and payment information generated after payment are sent to the blockchain network 5 to form blocks in the blockchain. Since the blockchain is non-modifiable, the transaction between the user’s mobile device 2 and the payment transaction platform 3 can use the payment authentication transmission module 112 to send payment messages and settlement messages to the blockchain network 5 to improve Transaction reliability. In yet another specific embodiment, the payment server 4 and the payment authentication transmission module 112 are both connected to the blockchain network 5, and the payment server 4 and the payment authentication transmission module 112 can be transmitted in the settlement of the same transaction. Messages and payment messages to the blockchain network5.

Please refer to Figure 1 again. The payment authentication transmission module 112 may further include an authentication module 1121. The authentication module 1121 transmits account data to the payment server 4 according to a piece of authentication information of the user's mobile device 2. In practice, the authentication module 1121 can be an identification chip. When the account management device 11 receives the payment message and the payment authentication transmission module 112 obtains the account information corresponding to the payment message from the storage unit 111, the authentication module 1121 generates an authentication message and displays it on the user mobile device 2. The authentication message It can be a password, an ID number, or an identification code when registering an e-wallet, etc. When the user inputs the authentication information that matches the authentication message, the authentication module 1121 obtains the account data from the storage unit 111, and sends the payment message and the account data to the payment server 4 together.

Please refer to Figure 1 and Figure 3 together. FIG. 3 is a flowchart illustrating the steps of a method for managing account payment according to a specific embodiment of the present invention. Another category of the present invention provides a management account payment method. Among them, the management account payment method shown in FIG. 3 can be achieved through the management account payment system 1 shown in FIG. 1. The management account payment method includes the following steps: Step S1: The payment transaction platform 3 generates a payment message based on the transaction behavior with the user's mobile device 2; Step S2: The payment transaction platform 3 sends the payment message to the account management device 11; Step S3: Account Management equipment Setting 11 obtains the account data of the electronic wallet 21 in the user’s mobile device 2 from the storage unit 111 of the account management device 11 according to the payment message; and Step S4: the account management device 11 sends the payment message and account data to the payment server 4 for verification Payment for transaction behavior.

In practice, the payment message can be generated from the electronic wallet 21 of the user's mobile device 2 through the payment transaction platform 3. Then, the payment transaction platform 3 transmits the payment message to the account management device 11. After the account management device 11 receives the payment message, the payment authentication transmission module 112 of the account management device 11 obtains the account information of the electronic wallet 21 from the storage unit 111 of the account management device 11 according to the payment message. Then, the payment authentication transmission module 112 transmits the payment message and account data to the payment server 4 again. Finally, the payment server 4 makes the payment according to the payment information and account information. The functions of the elements mentioned in this specific embodiment are substantially the same as the functions of the elements in the foregoing specific embodiments, and will not be repeated here.

Please refer to Figure 2 and Figure 4 together. FIG. 4 is a flowchart illustrating the steps of a method for managing account payment according to a specific embodiment of the present invention. In a specific embodiment, the management account payment method may further include the following steps: Step S5: The payment authentication transmission module 112 is used to receive the settlement message generated by the payment server 4 after payment, and send the settlement message to the user The electronic wallet 21 of the mobile device 2. In practice, after the payment server 4 in step S4 generates a settlement message through payment, the settlement message can be transmitted back to the electronic wallet 21 of the user's mobile device 2 through the payment authentication transmission module 112, so that the user can view the relevant Transaction information.

Please refer to Figure 2 and Figure 5 together. Fig. 5 is a flowchart showing the steps of a method for managing account payment according to a specific embodiment of the present invention. In a specific embodiment, the management account payment method may further include the following steps: Step S6: The payment authentication transmission module 112 is used to receive the settlement message generated by the payment server 4 after payment, and transmit the payment message and the settlement message To block Chain network 5 to form blocks in the blockchain. In practice, after the settlement message generated by the payment server 4 in step S4 after payment, the payment server 4 may return the payment message and the settlement message to the payment authentication transmission module 112, and use the payment authentication transmission module The group 112 sends the payment information and settlement information to the blockchain network 5. The functions of the blockchain network 5 are substantially the same as those of the components in the foregoing specific embodiments, and will not be repeated here.

Please refer to Figure 1 and Figure 6 together. Fig. 6 is a flowchart showing the steps of a method for managing account payment according to a specific embodiment of the present invention. In a specific embodiment, the management account payment method may further include the following steps: Step S41: The payment authentication transmission module 112 transmits a payment message and account information to the payment server 4 according to the authentication information of the user's mobile device 2 for the transaction Behavior payment. In practice, the authentication message can be input by the user, and the payment authentication transmission module 112 includes an authentication module 1121 for generating the authentication message, and when the user inputs the authentication information corresponding to the authentication message, the authentication module 1121 will The payment message and account information are sent to the payment server 4.

In summary, the management account payment system of the present invention can receive payment information from the payment platform through the account management device and obtain the account information of the electronic wallet based on the payment information, and can directly transmit the payment information and account information through the payment authentication transmission module To the payment server to conduct transactions, thereby enhancing the user’s personal security.

Through the detailed description of the above preferred embodiments, it is hoped that the characteristics and spirit of the present invention can be described more clearly, and the scope of the present invention is not limited by the preferred embodiments disclosed above. On the contrary, its purpose is to cover various changes and equivalent arrangements within the scope of the patent for which the present invention is intended. Therefore, the scope of the patent application for the present invention The category should be interpreted in the broadest way based on the above description, so that it covers all possible changes and equivalent arrangements.

1‧‧‧Manage account payment system

11‧‧‧Account Management Device

111‧‧‧Storage Unit

112‧‧‧Payment authentication transmission module

1121‧‧‧Authentication Module

2‧‧‧User's mobile device

21‧‧‧Electronic Wallet

3‧‧‧Payment transaction platform

4‧‧‧Payment server

Claims (10)

A management account payment system is applied to a transaction behavior between a user's mobile device and a payment transaction platform. The payment transaction platform generates a payment message according to the transaction behavior, and a payment server uses the payment message and the user action An electronic wallet of the device performs payment for the transaction, the management account payment system includes: an account management device connected to the payment transaction platform and the payment server, the account management device further includes: a storage unit for storing the The account data of the electronic wallet; and a payment authentication transmission module connected to the storage unit, the payment authentication transmission module is used to receive the payment message from the payment transaction platform and obtain the account number from the storage unit according to the payment message Data, and send the payment message and the account information to the payment server. For example, the management account payment system described in item 1 of the scope of patent application, wherein the account management device further includes an encryption module and a segmentation module, the encryption module and the segmentation module are connected to the storage unit, and the encryption module Encrypting the account data to form an encrypted file, the dividing module divides the encrypted file into a plurality of divided encrypted files, and stores the plurality of divided encrypted files in the storage unit. For example, in the management account payment system described in item 2 of the scope of patent application, the account management device further includes a decryption module connected to the storage unit and the payment authentication transmission module, and the decryption module sets the plural number A divided encrypted file is restored to the account data, and the account data is sent to the payment authentication transmission module. For example, the management account payment system described in item 1 of the scope of patent application, wherein the payment authentication transmission module is used to receive payment from the payment server Generate a settlement message and send the settlement message to the electronic wallet of the user's mobile device. For example, the management account payment system described in item 1 of the scope of patent application, wherein the payment authentication transmission module is connected to a blockchain network, and the payment authentication transmission module is used to receive payment from the payment server. Settlement message, and send the payment message and the settlement message to the blockchain network to form a block in a blockchain. For example, the management account payment system described in item 1 of the scope of patent application, wherein the payment authentication transmission module further includes an authentication module, and the authentication module transmits the account data to the payment according to the authentication information of a mobile device of the user Server. A management account payment method includes the following steps: a payment transaction platform generates a payment message based on a transaction with a user’s mobile device; the payment transaction platform transmits the payment message to an account management device; the account management device is based on The payment message obtains the account data of an electronic wallet in the user's mobile device from a storage unit of the account management device; and the account management device sends the payment message and the account data to a payment server for the transaction Behavior payment. For example, the method described in item 7 of the scope of patent application further includes the following steps: the payment authentication transmission module is used to receive a settlement message generated after payment by the payment server, and send the settlement message to the user The e-wallet of the mobile device. The method described in item 7 of the scope of patent application further includes the following steps Step: The payment authentication transmission module is used to receive a settlement message generated by the payment server after payment, and send the payment message and the settlement message to a blockchain network to form a block chain One block. The method described in item 7 of the scope of patent application, wherein the step of sending the payment message and the account data to a payment server by the account management device to pay for the transaction further includes the following steps: the payment authentication transmission mode The group sends the payment message and the account data to the payment server according to one of the authentication information of the user's mobile device to pay for the transaction.

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