TWI644268B - Payment method - Google Patents

Abstract

A payment method includes the following steps: (A) when a server receives consumption data from a payment terminal, the server stores the consumption data, the consumption data includes a merchant identification code and a generation time; (B) when When the server receives a consumption request from a user, the consumption request includes a use identification code, merchant code data, a receiving time, and a consumption instruction. The server determines whether the merchant identification code matches the merchant code data and Whether the difference between the generation time and the first reception time is less than a predetermined time; (C) when the determination result in step (B) is affirmative, the server generates and transmits confirmation consumption data to the user; and (D) when When the server receives the billing information from the user, the server sends the billing information to the payment terminal.

Description

payment method

The invention relates to a payment method, in particular to a mobile payment method based on a point of sale information system.

Mobile payments are services that use mobile devices to make payments. Without the use of cash, checks or credit cards, consumers can use mobile devices to pay for services or digital and physical goods, eliminating the need for complicated steps such as changing, checking credit cards, and swiping cards.

Most existing point of sale (POS) systems include a product barcode scanner, a card reader, and a host computer. Most of them only support payment methods such as cash, checks, and credit cards, and cannot support mobile payments. Although some POS systems support mobile payment (such as LINE Pay), users use a mobile phone to generate a payment barcode, and the merchant scans the payment barcode with the POS system for checkout. However, in order for the POS system to support mobile payment, the merchant replaced the POS system. The internal hardware of the POS system enables scanning of the payment barcode.

However, the large number of POS systems for internal hardware replacement, coupled with the provision of education and training for the changed POS system of the employees of the merchants, require huge costs and time.

It is therefore an object of the present invention to provide a payment method that is convenient, low cost, and performs mobile payments without changing the hardware of the existing point-of-sale information system.

Therefore, the payment method of the present invention is implemented by a server, the server is connected via a first communication network, a user via a second communication network is connected to a plurality of senders, and one is connected via the first communication network. Corresponding to the payment end of the merchant end of these senders, each sender is used to send a merchant code information related to the corresponding merchant end. The payment method includes the following steps:

(A) When the server receives consumption data from the payment terminal, the consumption data includes a merchant identification code related to one of the merchants, a consumption amount, and a generation time related to the consumption data. , With the server storing the consumption data;

(B) When the server receives a consumption request from the consumer, the consumer request contains a usage identification code related to the consumer, and the merchant receives the merchant from one of the senders Code data, a first reception time related to the merchant code data received by the consumer, and a consumption instruction, and the server determines whether the merchant identification code of the consumer data matches the merchant code of the consumption request Whether the difference between the generation time of the consumption data and the first reception time of the consumption request is less than a predetermined time;

(C) When the server determines that the merchant identification code matches the merchant code data, and the difference between the generation time and the first reception time is less than the predetermined time, the server generates and sends confirmation consumption data to the server The end of use; and

(D) When the server receives the billing information from the user, the server sends the billing information to the payment terminal.

Another object of the present invention is to provide a payment method that is convenient, low cost, and performs mobile payment without changing the hardware of the existing point-of-sale information system.

Therefore, the payment method of the present invention is implemented by a user, which uses a first communication network to connect to a server of a payment terminal via the first communication network, and connects a plurality of senders via a second communication network. The payment terminal also connects a plurality of merchant terminals corresponding to the senders via the first communication network, and each sender is used to send a merchant code data related to the corresponding merchant terminal. The payment method includes the following steps: :

(A) When the consumer receives the merchant code data from one of the senders, the consumer sends a consumption request to the server through the consumer, the consumption request includes a use related to the consumer An identification code, the merchant code data, a first reception time related to the receipt of the merchant code data, and a consumption instruction to the server, so that the server determines whether a merchant identification containing a merchant code data is stored Code, and a target consumer data whose difference from the first reception time is less than a predetermined time of generation; and

(B) When the client receives the confirmed consumption data from the server, the client generates and sends the billing information to the server, so that the server sends the billing information to the payment terminal.

Another object of the present invention is to provide a payment method that is convenient, low cost, and performs mobile payment without changing the hardware of the existing point-of-sale information system.

Therefore, the payment method of the present invention is implemented by a user, which uses a first communication network to connect a server of a merchant service server and a payment server via the first communication network, and passes a The second communication network is connected to a plurality of senders, and the merchant service server is also connected to a plurality of merchants corresponding to the senders via the first communication network, and each sender is used to send a corresponding merchant End the merchant code data to the second communication network, the payment method includes the following steps:

(A) When the consumer receives the merchant code data from one of the senders, a consumer request is sent to the server through the consumer, and the consumer request includes a request related to the consumer. Using the identification code, the merchant code data, a first reception time related to the receipt of the merchant code data, and a consumption instruction to the server, so that the server determines whether a store containing a merchant that matches the merchant code data is stored An identification code and a target consumer data whose difference from the first reception time is less than a predetermined time of generation; and

(B) When the client receives the confirmed consumption data from the server, the client generates and sends the billing data to the payment server through the client.

Another object of the present invention is to provide a payment method that is convenient, low cost, and performs mobile payment without changing the hardware of the existing point-of-sale information system.

Therefore, the payment method of the present invention is implemented by a server, the server is connected via a first communication network, the user is connected via a second communication network to a plurality of senders, and a payment server, It is used to send a merchant code data related to the corresponding merchant end. The payment method includes the following steps:

(A) When the server receives consumer data from one of the merchants, the consumer data includes a merchant identification code related to the merchant, a consumption amount, and a generation time related to the consumption data. , With the server storing the consumption data;

(B) When the server receives a consumption request from the consumer, the consumer request contains a usage identification code related to the consumer, and the merchant receives the merchant from one of the senders Code data, a first reception time related to the merchant code data received by the consumer, and a consumption instruction, and the server determines whether the merchant identification code of the consumer data matches the merchant code of the consumption request Data and whether the difference between the generation time of the consumption data and the first reception time of the consumption request is less than a predetermined time; and

(C) When the server determines that the merchant identification code matches the merchant code data, and the difference between the generation time and the first reception time is less than the predetermined time, the server generates and sends confirmation consumption data to the server The client, so that the client generates and sends the billing information to the request server.

The effect of the present invention is that the payment information or the merchant service server is used to transmit the consumption data received by the merchant to the server. When the consumer receives the merchant code data from the sender, the The user sends the consumption request to the server, and the server determines whether to send the confirmed consumption data to the user according to the consumption data and the consumption request. When the user receives the confirmed consumption data from the server, the The client sends the billing information to the payment terminal through the server or directly sends the billing information to the payment server. Therefore, by adding the server and the senders, and changing the content of the consumer data sent by the merchant to the payment or merchant service server in software, the merchant does not need to communicate with the merchant. The user terminal interacts so that the merchant terminal can perform mobile payment without replacing internal hardware. Among them, one server can serve multiple merchant terminals, compared to replacing the internal hardware of multiple merchant terminals, The required cost is lower.

1, a first system 100 for implementing a first embodiment of a payment method of the present invention is described. The first system 100 includes a server 11, a user 12, a plurality of senders 13, a plurality of merchants 14, and a payment. End 15.

The server 11 is connected to the user 12 and the payment terminal 15 via a first communication network 16. The server 11 stores a lookup table of a merchant identification code to a business name, and the lookup table includes a plurality of business identification codes and a plurality of business names corresponding to the business identification codes.

The using end 12 is connected to the sending ends 13 through a second communication network 17. In this embodiment, the use terminal 12 is, for example, a smart mobile device.

The transmitting terminals 13 correspond to the merchant terminals 14, and each transmitting terminal 13 is used to transmit a merchant code data related to the corresponding merchant terminal 14. In this embodiment, each transmitting end 13 is, for example, a beacon.

The merchant terminals 14 are connected to the payment terminal 15 through the first communication network 16. In this embodiment, each merchant end 14 is, for example, a point-of-sale information system.

The first embodiment of the payment method of the present invention includes a coupon providing program, a payment request program, and a payment program.

Referring to FIG. 1 and FIG. 2, the coupon provider includes the following steps.

In step 201, when the consumer 12 receives the merchant code data from one of the senders 13, the consumer 12 sends a discount coupon request to the server 11. The coupon request includes a correlation The use identification code at the user end 12, the merchant code data received by the user end 12 from the sender 13, a first reception time and a discount related to the merchant end data received by the user end 12 Coupon instructions. It is worth noting that the signal from the sender 13 corresponding to the merchant code data received by the user 12 is relatively strong, that is, the distance between the user 12 and the sender 13 is relatively short.

It is worth mentioning that, in this embodiment, when the user terminal 12 receives the merchant code data, the user terminal 12 displays multiple options, such as a discount coupon option and a consumption option. The terminal 12 also generates a coupon request in response to a coupon selection operation performed by a user and related to the coupon option.

In step 202, when the server 11 receives the coupon request from the client 12, it sends coupon information including a discount parameter to the client 12.

Referring to FIG. 1 and FIG. 3, the claim process includes the following steps.

In step 301, the merchant end 14 corresponding to the sender 13 generates and transmits to the payment end 15 consumer data related to at least one product purchased by a consumer. The consumer data includes a consumer data related to the merchant end 14. A merchant identification code, a consumption amount related to the at least one product, a generation time related to the consumption data, and a service identification code related to the server 11.

In step 302, when the payment terminal 15 receives the consumption data from the merchant terminal 14, the payment terminal 15 transmits the consumption data to the service terminal 11 according to the service identification code.

It is worth mentioning that, in this embodiment, the actions between the merchant end 14 and the payment end 15 are roughly similar to the actions between the conventional merchant end and the conventional payment end. The difference is that the merchant in this case The consumption data transmitted by the terminal 14 also includes the service identification code, so that the payment terminal 15 transmits the consumption data to the corresponding server 11 according to the service identification code.

In step 303, when the server 11 receives the consumption data from the payment terminal 15, the server 11 stores the consumption data and sends a confirmation message indicating the receipt of the consumption data to the payment terminal 15. .

Referring to FIGS. 1 and 4, the payment process includes the following steps.

In step 401, when the consumer 12 receives the merchant code data from the sender 13 in step 201, the consumer 12 generates and transmits a consumption request to the server 11, the consumption request including the use identification Code, the merchant code data, a second receiving time related to the merchant terminal 12 receiving the merchant code data, and a consumption instruction to the server 11.

It is worth mentioning that, in this embodiment, when the user terminal 12 receives the merchant code data, the user terminal 12 displays the options and responds to a purchase that passes through the user and is related to the consumption option. Select operation to generate the consumption request.

In step 402, when the server 11 receives the consumption request from the user 12, the server 11 determines whether the merchant identification code of the consumption data stored in step 303 matches the merchant of the consumption request. Whether the difference between the generation time of the code data and the second reception time of the consumption request is less than a predetermined time. If the determination result is positive, the process proceeds to step 403. Otherwise, the process proceeds to step 404.

In step 403, when the server 11 determines that the merchant identification code matches the merchant code data, and the difference between the generation time and the second reception time is less than the predetermined time, the server 11 according to the merchant identification code and The lookup table obtains a pair of merchant names corresponding to the merchant identification code, and generates and transmits confirmation consumption data to the user terminal 12, the confirmation consumption data includes the merchant name, the consumption amount, the generation time and a consumption code.

In step 404, when the server 11 determines that the merchant identification code does not match the merchant code data, or the difference between the generation time and the second reception time is greater than the predetermined time, the server 11 transmits a payment failure Message to the client 12.

In step 405, when the user terminal 12 receives the confirmed consumption data from the server terminal 11, the user terminal 12 generates and transmits the checkout data to the server terminal 11. The checkout data includes the use identifier, the merchant A name, a payment amount obtained by the user terminal 12 according to the consumption amount and the discount parameter, and the consumption code.

In step 406, when the server 11 receives the settlement information from the user 12, the server 11 sends the settlement information to the payment terminal 15.

In step 407, when the payment terminal 15 receives the settlement information from the server 11, the payment terminal 15 performs a deduction according to the settlement information, and sends a debit message indicating that the deduction is successful. The server 11 and the merchant 14. It is worth noting that the payment terminal 15 transmits the checkout information to a bank (not shown) related to the consumer for the bank to debit.

In step 408, when the server 11 receives the deduction message from the payment terminal 15, it sends the deduction message to the using terminal 12.

Referring to FIG. 5, a second system 500 for implementing a second embodiment of the payment method of the present invention is described, which includes a server 51, a user 52, multiple senders 53, multiple merchants 54, and a merchant. The service server 55 and a request server 56.

The server 51 is connected to the user 52 and the merchant service server 55 via a first communication network 57. The server 51 stores a lookup table of a business identification code to a business name. The lookup table includes a plurality of business identification codes and a plurality of business names corresponding to the business identification codes.

The using end 52 is connected to the claim server 56 through the first communication network 57, and is connected to the sending ends 53 through a second communication network 58.

The sending ends 53 correspond to the merchant ends 54, and each sending end 53 is used to send a merchant code data related to the corresponding merchant end 54.

The merchants 54 are connected to the merchant service server 55 via the first communication network 57.

The second embodiment of the payment method of the present invention includes a coupon providing program, a payment request program, and a payment program.

5 and 6, the coupon provider includes the following steps.

In step 601, when the consumer 52 receives the merchant code data from one of the senders 53, the consumer 52 sends a coupon request to the server 51, and the coupon request includes a correlation The use identification code at the user end 52, the merchant code data received by the user end 52 from the sending end 53, the first reception time related to the merchant end data received by the user end 52, and a discount coupon Instructions.

In step 602, when the server 51 receives the coupon request from the client 52, it sends coupon information including a discount parameter to the client 52.

Referring to FIG. 5 and FIG. 7, the claim process includes the following steps.

In step 701, one of the merchants 54 generates and transmits consumer data related to at least one product purchased by a consumer to the merchant service server 55. The consumer data includes a merchant 54 related to the merchant 54 A merchant identification code, a consumption amount related to the at least one product, a generation time related to the consumption data, and a service identification code related to the server 51.

In step 702, when the merchant service server 55 receives the consumption data from the merchant terminal 54, the merchant service server 55 sends the consumption data to the server 51 according to the service identification code.

In step 703, when the server 51 receives the consumption data from the merchant service server 55, the server 51 stores the consumption data and sends a confirmation message indicating the receipt of the consumption data to the merchant. Service server 55.

5 and 8, the payment process includes the following steps.

In step 801, when the consumer 52 receives the merchant code data from the sender 53 in step 601, the consumer 52 generates and transmits a consumption request to the server 51, and the consumption request includes the use identification Code, the merchant code data, a second receiving time related to receiving the merchant code data, and a consumption instruction to the server 51.

In step 802, when the server 51 receives the consumption request from the user 52, the server 51 determines whether the merchant identification code of the consumption data stored in step 703 matches the merchant of the consumption request. Whether the difference between the generation time of the code data and the second reception time of the consumption request is less than a predetermined time. If the determination result is positive, the flow proceeds to step 803. Otherwise, the process proceeds to step 804.

In step 803, when the server 51 determines that the merchant identification code matches the merchant code data and the difference between the generation time and the second receiving time is less than the predetermined time, the server 51 according to the merchant identification code and The lookup table obtains a pair of merchant names corresponding to the merchant identification code, and generates and transmits confirmation consumption data to the user terminal 52. The confirmation consumption data includes the merchant name, the consumption amount, the generation time and a consumption code.

In step 804, when the server 51 determines that the merchant identification code does not match the merchant code data, or the difference between the generation time and the second reception time is greater than the predetermined time, the server 51 fails to transmit a payment. Message to the client 52.

In step 805, when the consumer 52 receives the confirmed consumption data from the server 51, the consumer 52 generates and sends settlement information to the payment server 56. The settlement information includes the use identifier, The merchant name, a payment amount obtained by the user terminal 52 according to the consumption amount and the discount parameter, and the consumption code.

In step 806, when the payment request server 56 receives the settlement information from the user terminal 52, the payment request server 56 performs the deduction according to the settlement information, and sends a deduction indicating the successful deduction. Message to the client 52. It is worth noting that the payment request server 56 sends the checkout information to a bank (not shown) related to the consumer for the bank to debit.

In step 807, when the user terminal 52 receives the deduction message from the payment server 56, the user terminal 52 sends the deduction message to the server 51.

In step 808, when the server 51 receives the deduction message from the user 52, the server 51 sends the deduction message to the merchant service server 55.

In step 809, when the merchant service server 55 receives the charge message from the server 51, the merchant service server 55 sends the charge message to the merchant 54.

Referring to FIG. 5, a third system for implementing a third embodiment of a payment method of the present invention is similar to the second system 500 except that the third system does not include the merchant service server 55.

The third embodiment of the payment method of the present invention includes a coupon providing program, a payment request program, and a payment program.

The coupon providing program includes the same steps as steps 601 and 602 (FIG. 6) of the coupon providing program of the second embodiment.

Referring to FIG. 5 and FIG. 9, the claim process includes the following steps.

In step 901, one of the merchants 54 generates and transmits to the server 51 consumer data related to at least one product purchased by a consumer, and the consumer data includes a merchant related to the merchant 54 An identification code, a consumption amount related to the at least one commodity, a generation time related to the consumption data, and a service identification code related to the server 51.

In step 902, when the server 51 receives the consumption data from the merchant terminal 54, the server 51 stores the consumption data.

Referring to FIG. 5 and FIG. 10, the payment procedure includes steps 101 to 108, wherein steps 101 to 107 are similar to steps 801 to 807 (FIG. 8) of the second embodiment, respectively. The following describes the difference between this embodiment and the second embodiment.

In step 108, when the server 51 receives the debit message from the user 52, the server 51 sends the debit message to the merchant 54.

To sum up, in the payment method of the present invention, the payment terminal 15 (the merchant service server 55) transmits the consumption data received by the merchant terminal 14 (54) to the server 11 (51). When the client 12 (52) receives the merchant code data from the sender 13 (53), the client 12 (52) generates and sends the consumption request to the server 11 (51), and the server according to the The consumption data and the consumption request determine whether the confirmed consumption data is generated and transmitted to the user 12 (52). When the user 12 (52) receives the confirmed consumption data from the server 11 (51), the use The terminal 12 (52) generates and sends the settlement information to the payment terminal 15 (or directly sends the settlement information to the payment server 56) via the server 11 (51), thereby joining the service by Terminal 11 (51) and these sending terminals 13 (53), and change the content of the consumption data transmitted by the merchant terminal 14 (54) to the payment terminal 15 (the merchant service server 55) by software, The merchant end 14 (54) does not need to interact with the user end 12 (52), so that the merchant end 14 (54) can perform mobile payment without replacing internal hardware. Wherein a server can service multiple business end, respectively, compared to the replacement of a plurality of internal hardware merchant terminal, the lower the cost required, it can really achieve the object of the present invention.

However, the above are only examples of the present invention. When the scope of implementation of the present invention cannot be limited by this, any simple equivalent changes and modifications made according to the scope of the patent application and the contents of the patent specification of the present invention are still Within the scope of the invention patent.

<TABLE border = "1" borderColor = "# 000000" width = "85%"> <TBODY> <tr> <td> 100 </ td> <td> First System </ td> <td> 52 </ td> <td> using side </ td> </ tr> <tr> <td> 11 </ td> <td> server </ td> <td> 53 </ td> <td> sending side </ td> td> </ tr> <tr> <td> 12 </ td> <td> Consumer </ td> <td> 54 </ td> <td> Merchant </ td> </ tr> <tr> <td> 13 </ td> <td> sender </ td> <td> 55 </ td> <td> merchant service server </ td> </ tr> <tr> <td> 14 </ td > <td> Merchant side </ td> <td> 56 </ td> <td> Request server </ td> </ tr> <tr> <td> 15 </ td> <td> Payment side < / td> <td> 57 </ td> <td> First communication network </ td> </ tr> <tr> <td> 16 </ td> <td> First communication network </ td> <td > 58 </ td> <td> Second communication network </ td> </ tr> <tr> <td> 17 </ td> <td> First communication network </ td> <td> 601, 602 < / td> <td> step </ td> </ tr> <tr> <td> 201, 202 </ td> <td> step </ td> <td> 701 ~ 703 </ td> <td> step </ td> </ tr> <tr> <td> 301 ~ 303 </ td> <td> Step </ td> <td> 801 ~ 809 </ td> <td> Step </ td> </ tr > <tr> <td> 401 ~ 408 </ td> <td> Step </ td> <td> 901, 902 </ td> <td> Step </ td> </ tr> <tr> <td> 500 </ td> <td> second system </ td> td> <td> 101 ~ 108 </ td> <td> Step </ td> </ tr> <tr> <td> 51 </ td> <td> Server </ td> <td> </ td > <td> </ td> </ tr> </ TBODY> </ TABLE>

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 illustrating, by way of example, a method for implementing a first embodiment of a payment method of the present invention; First system; FIG. 2 is a flowchart illustrating a coupon providing program of the first embodiment; FIG. 3 is a flowchart illustrating a payment procedure of the first embodiment; FIG. 4 is a flowchart, Describe a payment procedure of the first embodiment; FIG. 5 is a block diagram illustrating an example of a second system for implementing a second embodiment of a payment method of the present invention; FIG. 6 is a flowchart illustrating the A coupon providing program of the second embodiment; FIG. 7 is a flowchart illustrating a payment procedure of the second embodiment; FIG. 8 is a flowchart illustrating a payment procedure of the second embodiment; FIG. 9 Is a flowchart illustrating a payment procedure of a third embodiment of a payment method of the present invention; and FIG. 10 is a flowchart illustrating a payment procedure of the third embodiment.

Claims (8)

A payment method is implemented by a server. The server stores a lookup table of a business identification code to a business name. The lookup table includes a plurality of business identification codes and a plurality of business names corresponding to the business identification codes. The service The terminal is connected via a first communication network, a user terminal connected to a plurality of sending terminals via a second communication network, and a plurality of payment terminals corresponding to the merchant terminals corresponding to the sending terminals via the first communication network. It is a beacon and is used to send a merchant code data related to the corresponding merchant end. The payment method includes the following steps: (A) When the server receives a coupon request from the user, the coupon request includes A use identifier related to the user, the merchant code data received by the user from one of the senders, a second reception time related to the user code data received by the user, and a The discount coupon instructs that, through the server, the coupon information including a discount parameter is transmitted to the user; (B) when the server receives a coupon from the payment terminal; In the case of data, the consumption data includes a merchant identification code related to one of the merchants, a consumption amount, and a generation time related to the consumption data, and the consumption data is stored by the server; (C ) When the server receives a consumption request from the consumer, the consumer request includes the use identification code, the merchant code information received by the consumer from the sender, and a message related to the consumer receiving the The first receiving time of the merchant code data and a consumption instruction, and the server determines whether the consumer data and the merchant identification code after the second receiving time match the merchant code data of the consumption request and the consumption. Whether the difference between the generation time of the data and the first reception time of the consumption request is less than a predetermined time; (D) when the server determines that the merchant identification code matches the merchant code data and the generation time is consistent with the first When the difference between the receiving times is less than the predetermined time, the server obtains a pair of business names corresponding to the business identification code according to the business identification code and the lookup table, and And send confirmation consumption data to the user, the confirmation consumption data includes the merchant name, the consumption amount, the generation time and a consumption code; and (E) when the server receives the settlement information from the user, The server sends the checkout information to the payment terminal, and the checkout information includes the use identification code, the name of the merchant, a payment amount obtained by the server based on the consumption amount and the discount parameter, and the Consumption code. The payment method according to claim 1, after step (E), further includes the following steps: (G) When the server receives a debit message from the payment terminal and indicates that the debit is successful, the service uses the service Send the debit message to the user. The payment method according to claim 1, after step (C), further includes the following steps: (H) When the server determines that the merchant identification code does not match the merchant code data, and the generation time is equal to the first When the difference between the receiving times is greater than one of the predetermined times, a payment failure message is transmitted to the using terminal through the server. A payment method is implemented by a user. The user connects to a server of a payment terminal via a first communication network, and connects to a plurality of senders through a second communication network. The payment The terminal also connects a plurality of merchant terminals corresponding to the senders via the first communication network. Each sender is a beacon and is used to send a merchant code data related to the corresponding merchant terminal. The payment method includes the following: Step: (A) When the client receives the merchant code data from one of the senders, the client sends a discount coupon request to the server through the client, so that the server returns a Discount coupon information for discount parameters, the coupon request includes a use identification code related to the user end, the merchant code data, a second reception time related to the receipt of the merchant code data, and a coupon instruction; (B) When the consumer receives the merchant code data from the sender, the consumer sends a consumption request to the server through the consumer. The consumer request includes the use identifier, Merchant code data, a first reception time related to the merchant code data received after the second reception time, and a consumption instruction to the server, so that the server determines whether it contains a message that matches the merchant code The merchant identification number of the data, and a target consumption data whose difference from the first reception time is less than a predetermined time of generation time; and (C) when the user receives the confirmation consumption data from the server, the confirmation consumption The data includes the name of the merchant, the consumption amount, the generation time and a consumption code. With the use terminal, the settlement information is generated and transmitted to the server, so that the server transmits the settlement information to the payment terminal and the settlement. The account information includes the use identification code, the merchant name, a payment amount obtained by the user according to the consumption amount and the discount parameter, and the consumption code. A payment method is implemented by a user, which uses a first communication network to connect a server of a merchant service server and a payment server via the first communication network, and via a second communication network It is connected to a plurality of sending ends by way of communication, and the merchant service server also connects a plurality of business ends corresponding to the sending ends through the first communication network. Each sending end is a beacon and is used to send a message corresponding to its corresponding one. The merchant's merchant code data is transmitted to the second communication network, and the payment method includes the following steps: (A) When the consumer receives the merchant code data from one of the senders, through the consumer, Send a coupon request to the server, so that the server returns coupon information including a discount parameter, the coupon request includes a use identification code related to the user, the merchant code information, and The second receiving time of the merchant code data and a discount coupon instruction; (B) When the client receives the merchant code data from the sender, the client sends a A fee request is sent to the server, and the consumption request includes the use identification code, the merchant code data, a first reception time related to the merchant code data received and after the second reception time, and a consumption instruction to the service End, so that the server determines whether to store a target consumer data containing a merchant identification code that matches the merchant code data and a generation time that differs from the first reception time by less than a predetermined time; and (C) when the When the client receives the confirmed consumption data from the server, the confirmed consumption data includes the name of the merchant, the consumption amount, the generation time, and a consumption code, and the user generates and sends the billing information to the payment. The server, the checkout information includes the use identification code, the merchant name, a payment amount obtained by the user according to the consumption amount and the discount parameter, and the consumption code. The payment method according to claim 5, after step (C), further includes the following steps: (D) When the user receives a debit message from the request server and indicates that the debit is successful, by The client sends the debit message to the server. A payment method is implemented by a server. The server stores a lookup table of a business identification code to a business name. The lookup table includes a plurality of business identification codes and a plurality of business names corresponding to the business identification codes. The service The terminal is connected through a first communication network, a user terminal connected to a plurality of sending terminals through a second communication network, and a request server. Each sending terminal is a beacon and is used to send a message related to its corresponding merchant terminal. Merchant code information, the payment method includes the following steps: (A) When the server receives a coupon request from the user, the coupon request includes a use identification code related to the user, and the user from the user Waiting for the merchant code data received by one of the sending end, the second receiving time related to the merchant end receiving the merchant code data, and a discount coupon instruction, the server transmits a discount parameter containing a discount parameter. Discount coupon information to the consumer; (B) When the server receives consumer information from one of the merchants, the consumer information includes a The merchant's identification code, a consumption amount and a generation time related to the consumption data, the consumption data is stored by the server; (C) when the server receives a consumption request from the consumer, the consumption The request includes the use identification code, the merchant code data received by the consumer from the sender, a first reception time related to the merchant code data received by the consumer and after the second reception time, and a The consumption instruction determines whether the merchant identification code of the consumption data matches the merchant code data of the consumption request and whether the difference between the generation time of the consumption data and the first reception time of the consumption request is determined by the server. Less than a predetermined time; and (D) when the server determines that the merchant identification code matches the merchant code data, and the difference between the generation time and the first receiving time is less than the predetermined time, by the server, according to The merchant identification code and the lookup table obtain a pair of merchant names corresponding to the merchant identification code, and generate and send confirmation consumption data to the user. The confirmation consumption data Including the business name, the amount of consumption, the consumer generation time and a code so that the end use to generate and transmit billing data to the server section please. The payment method as described in claim 7, further comprising the following steps after step (C): (E) when the server determines that the merchant identification code does not match the merchant code data, and the generation time is equal to the first When the difference between the receiving times is greater than one of the predetermined times, a payment failure message is transmitted to the using terminal through the server.