TWI778573B - Method and system for integrating payment platform - Google Patents

Abstract

The present invention provides a method for integrating a payment platform and a system thereof, which are connected to a payment server through an application program set on an electronic device to capture bill barcode information, further link to an intermediary host, and then link to a service via the intermediary host The server generates billing information according to the billing barcode information or the corresponding payment information, and makes payment through the payment server. Through the present invention, the collection financial institutions of the service server can share the bills, which greatly improves the use of electronic products by the general public. Willingness to pay for the instrument.

Description

Method and system for integrating payment platform

The present invention relates to a method and system for integrating a payment platform.

With the diversified development of digital finance and the fact that most of the people have one mobile phone, their payment methods have gradually changed. From the previous cash payment or plastic currency payment, mobile payment has been replaced. The current mobile payment products , including e-payment, e-ticket and third-party payment. Most of the payment providers and business units in the current market use individual interfaces. A single wallet application can only pay the bills of its partner business units, and business units must sign contracts with payment providers individually. , system interface, account reconciliation and write-off, etc. Users who want to make payments must also download multiple wallet applications or applications dedicated to business units, so that they can pay various bills separately.

Although ready-made payment providers can directly connect to the system of individual business units and provide payment by credit card or stored value account, the cost of direct connection is high and cannot cover all payment instruments, resulting in service gaps and inconveniences. Waiting for a few hours to a few days, you can only know whether the payment is successful when the system of the individual institution and the payment provider clears it. The back-end payment settlement efficiency is not high. At the same time, because the institution has to face multiple collection banks, The procedures for reconciliation and write-off are quite complicated.

According to the above content, the present invention provides a method for integrating a payment platform and a system thereof, wherein an application program set on an electronic device is linked to a payment server to retrieve bill barcode information, and further linked to an intermediary host, and then connected to an intermediary host. Connect to the service server through the intermediary host, and generate billing information according to the billing barcode information or the corresponding payment information, and provide the customer with the payment tool for payment through the payment server. This method enables the service server to collect financial services Institutions can share bills, integrate multiple payment tools such as credit cards, financial cards, financial accounts, and electronic payment accounts, provide functions such as real-time inquiry/payment/offset, etc., and have the feature of expanding payment items to improve the convenience of payment services. sex.

An object of the present invention is to provide a method for integrating a payment platform, which is connected to a payment server through an application program set on an electronic device to capture the bill barcode information, further link to an intermediary host, and then link to an intermediary host via the intermediary host The service server generates billing information according to the billing barcode information or the corresponding payment information, and provides customers with payment tools to choose from through the payment server. Through this method, the collection financial institutions of the service server can share the bills , providing users who want to make payments to use the mobile payment service through any payment provider's wallet application, without having to download multiple applications, greatly increasing the general public's willingness to use electronic payment tools.

Another object of the present invention is to provide a system for integrating payment platforms, using an intermediary host to connect multiple service servers and multiple payment servers, so that electronic devices can be connected to the payment servers through an application program for payment, thereby increasing consumption The convenience of paying with existing accounts, debit cards, credit cards and electronic payment accounts.

In view of the above-mentioned purpose, the present invention provides a method for integrating a payment platform, the steps of which include: an electronic device sets up an application, and executes the application to link to a payment page of a payment server; the electronic device retrieves an account single barcode information, and send the bill barcode information or corresponding payment information to the payment page; the payment server is connected to an intermediary host, the intermediary host is connected to a service server, and the service server receives and according to the bill The barcode information or the payment information generates a billing information and transmits it to the intermediary host; the intermediary host reads a corresponding payment tool information stored in the intermediary host corresponding to the electronic device; the intermediary host transmits the billing information to a first financial server corresponding to the payment instrument information; and the first financial server confirms the payment instrument information and pays a payment amount according to the billing information.

The present invention provides an embodiment, wherein after the first financial server confirms the payment instrument information and pays a payment amount according to the billing information, it includes the step of: the service server obtains a first corresponding to the billing information by the service server. 2. The financial server receives the payment amount.

The present invention provides an embodiment, wherein after the step of receiving the payment amount by the service server through a second financial server corresponding to the billing information, it includes the step of: when the service server receives the payment through the second financial server When the payment amount is generated, a charge-off message is generated and sent to the intermediary host; and the intermediary host sends the charge-off message to the service server.

The present invention provides an embodiment, wherein the billing information has the payment amount and the second financial server corresponding to the billing information.

The present invention provides an embodiment, wherein the payment server is at least one of a financial institution server, a digital wallet information or an electronic payment information.

In view of the above-mentioned another object, the present invention provides a system for integrating payment platforms, which includes: a payment server, which can have a payment page; an intermediary host, which is connected to the payment server; a first financial server , which is linked to the intermediary host; a service server that is linked to the intermediary host; and an electronic device that is linked to the intermediary host via the payment server; wherein the electronic device is linked to a payment server for payment page, the electronic device retrieves a bill barcode information, and transmits the bill barcode information or a corresponding payment information to the payment page, the service server receives and generates a bill according to the bill barcode information or the payment information bill information, and transmit it to the intermediary host, the intermediary host reads a corresponding payment instrument information stored in the electronic device in the intermediary host, and the intermediary host transmits the billing information to a corresponding payment instrument information A first financial server, the financial server confirms the payment instrument information, and pays a payment amount according to the billing information.

An embodiment of the present invention further includes a second financial server, and the service server receives the payment amount through the second financial server corresponding to the billing information.

The present invention provides an embodiment, wherein when the service server receives the payment amount via the second financial server, a charge-off message is generated and sent to the intermediary host, and the intermediary host sends the charge-off message to the service server .

The present invention provides an embodiment, wherein the billing information has the payment amount and the second financial server corresponding to the billing information.

The present invention provides an embodiment, wherein the payment server is at least one of a financial institution server, a digital wallet information or an electronic payment information.

In order to make your examiners have a further understanding and understanding of the features of the present invention and the effects achieved, I would like to supplement the preferred embodiments and cooperate with detailed descriptions, and the descriptions are as follows:

It is known that payment providers can directly connect to the system of individual business units and provide credit card or stored value account for payment, but the system interface cost of the direct connection method is high, and it cannot cover all payment instruments, resulting in service gaps and inconveniences. Therefore, the present invention A method for integrating a payment platform and a system thereof are provided. An application program set on an electronic device is linked to a payment server to retrieve bill bar code information, further linked to an intermediary host, and then linked to a service server via the intermediary host, and The billing information is generated according to the billing barcode information or the corresponding payment information, and the payment server is used to provide customers with a choice of payment tools for payment, so that the service server and the financial host do not need to be connected one by one, while reducing the service server and financial services. The development and maintenance cost of the host computer, while improving the convenience of the consumer side.

Hereinafter, the present invention will be described in detail by illustrating various embodiments of the present invention by means of the drawings. The concepts of the invention may, however, be embodied in many different forms and should not be construed as limited to the exemplary embodiments set forth herein.

First, please refer to the first figure, which is a flow chart of a method according to an embodiment of the present invention. As shown in the figure, it is a method of integrating payment platforms, and its steps include:

Step S1: an electronic device sets up an application, and executes the application to link to a payment page of a payment server;

Step S3: the electronic device captures a bill barcode information, and transmits the bill barcode information or corresponding payment information to the payment page;

Step S5: the payment server is connected to an intermediary host, the intermediary host is connected to a service server, and the service server receives and generates a billing information according to the billing barcode information or the payment information, and transmits it to the intermediary host;

Step S7: the intermediary host reads a payment tool information corresponding to the electronic device stored in the intermediary host;

Step S9: the intermediary host transmits the billing information to a first financial server corresponding to the payment instrument information; and

Step S11: The first financial server confirms the payment instrument information, and pays a payment amount according to the bill information.

Please also refer to the second figure, which is a schematic diagram of a system according to an embodiment of the present invention. As shown in the figure, it is a system integrating a payment platform, which includes a payment server 1, an intermediary host 2, a first financial server 3, a service server 4, an electronic device 5 and a second financial server 6, wherein the payment The server 1 has a payment page A; the intermediary host 2 is connected to the payment server 1; the first financial server 3 and the service server 4 are respectively connected to the intermediary host 2; the electronic device 5 is provided with an application program APP; the second financial server 6. The method of connecting with the service server 4 and implementing the integrated payment platform with this system is described below.

As shown in step S1, in this embodiment, an application program APP is set on the electronic device 5 to link to the payment page A of the payment server 2, wherein the electronic device 5 includes but is not limited to a smart phone, a personal computer, a tablet computer or a notebook computer; Application APP includes but is not limited to payment applications such as financial institution mobile internet banking or e-commerce institution wallet application .

As shown in step S3, the electronic device 5 retrieves the bill barcode information, and transmits the bill barcode information or the corresponding payment information to the payment page A, wherein the bill barcode information includes the payment amount and payment information.

As shown in step S5, the payment server 1 is connected to the service server 4 through the intermediary host 2, and the service server 4 receives and generates billing information according to the billing barcode information or payment information, and transmits it to the intermediary host 2. Example When the bill barcode information is Asia Pacific Telecom bill, including but not limited to telecom bill, parking fee and utility bill, etc., it is linked to the corresponding Asia Pacific Telecom service server through the intermediary host 2 4, and query its bill barcode information or payment information through the service server 4 to generate bill information, wherein the bill information includes but not limited to the payment amount and the second financial server 6 corresponding to the bill information.

As shown in step S7, the intermediary host 2 reads a corresponding payment instrument information stored in the electronic device 5 in the intermediary host 2, and then as shown in step S9, the intermediary host 2 transmits the billing information to the corresponding payment instrument The first financial server 3 of the information, finally as shown in step S11, the first financial server 3 confirms the payment instrument information to provide the customer with the payment instrument selected, and pays the payment amount according to the payment instrument selected by the customer and the billing information.

The present embodiment further includes step S13 after step S11, wherein the steps include:

Step S13: The service server receives the payment amount through a second financial server corresponding to the billing information.

As shown in step S13, the service server 4 receives the payment amount through the billing bank corresponding to the bill information, that is, the service server receives the payment amount through the second financial server 6, and the payment process is completed.

The embodiment further includes steps S15-S17 after step S13, wherein the steps include:

Step S15: when the service server receives the payment amount via the second financial server, generate a charge-off message and send it to the intermediary host; and

Step S17: The intermediary host sends the debit message to the service server.

As shown in step S15, when the service server 4 receives the payment amount via the second financial server 6, it will generate a charge-off message to the intermediary host 2, and then proceed to step S17, and transmit the charge-off message to the service server via the intermediary host 2 4.

In the above-mentioned embodiments, the present invention provides a method for integrating a payment platform and a system thereof, wherein the application program set on the electronic device is connected to the payment server to capture the barcode information of the bill, and further link to the intermediary host, and then Connect to the service server through the intermediary host, generate billing information based on the billing barcode information or the corresponding payment information, and pay through the payment server, that is, the concept of "bill sharing", providing users who want to pay through any A payment provider wallet application, you can use the mobile payment service without downloading multiple applications, which greatly increases the general public's willingness to use electronic payment tools.

Therefore, the present invention is indeed novel, progressive and available for industrial use, and it should meet the requirements for patent application under my country's patent law.

However, the above descriptions are only preferred embodiments of the present invention, and are not intended to limit the scope of implementation of the present invention. All changes and modifications made in accordance with the shape, structure, features and spirit described in the scope of the patent application of the present invention are equivalent. , shall be included in the scope of the patent application of the present invention.

1: Payment server 2: Intermediary host 3: The first financial server 4: Service Server 5: Electronic device 6: Second Financial Server A: Payment page APP: application S1-S17: Steps

Figure 1: It is a flow chart of a method of one embodiment of the present invention; and Figure 2: It is a schematic diagram of a system according to an embodiment of the present invention.

S1-S17: Steps

Claims (10)

A method for integrating payment platforms, the steps of which include: An electronic device sets an application, and executes the application to link to a payment page of a payment server; The electronic device captures a bill barcode information, and transmits the bill barcode information or a corresponding payment information to the payment page; The payment server is connected to an intermediary host, the intermediary host is connected to a service server, and the service server receives and generates a billing information according to the billing barcode information or the payment information, and transmits it to the intermediary host; The intermediary host reads information corresponding to a payment instrument stored in the electronic device corresponding to the intermediary host; the intermediary host transmits the billing information to a first financial server corresponding to the payment instrument information; and The first financial server confirms the payment instrument information, and pays a payment amount according to the billing information. The method for integrating a payment platform according to claim 1, wherein after the first financial server confirms the payment instrument information and pays a payment amount according to the bill information, the method comprises the steps of: The service server receives the payment amount via a second financial server corresponding to the billing information. The method for integrating a payment platform according to claim 2, wherein after the service server receives the payment amount via a second financial server corresponding to the billing information, the method includes the steps of: When the service server receives the payment amount via the second financial server, a charge-off message is generated and sent to the intermediary host; and The intermediary host transmits the debit message to the service server. The method for integrating a payment platform as claimed in claim 2, wherein the bill information has the payment amount and the second financial server corresponding to the bill information. The method for integrating a payment platform according to claim 1, wherein the payment server is at least one of a financial institution server, a digital wallet information or an electronic payment information. A system for integrating payment platforms, which includes: a payment server having a payment page; an intermediary host connected to the payment server; a first financial server connected to the intermediary host; a service server connected to the intermediary host; and an electronic device connected to the intermediary host via the payment server; The electronic device is linked to a payment page of a payment server, the electronic device captures a bill barcode information, and transmits the bill barcode information or a corresponding payment information to the payment page, the service server receives and Generate billing information according to the billing barcode information or the payment information, and transmit it to the intermediary host, the intermediary host reads the corresponding payment tool information stored in the electronic device in the intermediary host, and the intermediary host transmits The bill information is sent to a first financial server corresponding to the payment instrument information, the financial server confirms the payment instrument information, and pays a payment amount according to the bill information. The system for integrating payment platforms as described in claim 6, further includes: a second financial server, the service server receives the payment amount through the second financial server corresponding to the billing information. The system for integrating payment platforms as described in claim 7, wherein when the service server receives the payment amount via the second financial server, a charge-off message is generated and sent to the intermediary host, and the intermediary host transmits the charge-off message message to the service server. The system for integrating billing platforms as described in claim 7, wherein the billing information has the billing amount and the second financial server corresponding to the billing information. The system for integrating payment platforms according to claim 6, wherein the payment server is at least one of a financial institution server, a digital wallet information or an electronic payment information.

Images