TWI859549B - Multi-person payment collection service system and multi-person payment collection method - Google Patents

Abstract

A multi-person payment collection service system includes a multi-person payment collection service host and a bank account host. The multi-person payment collection service host generates a payment collection task identification data corresponding to a payee's bank account number and a payment collection service invitation website containing the payment collection task identification data. When a payee's electronic device is connected to the multi-person payment collection service host through the payment collection service invitation website, the multi-person payment collection service host receives a payee identification data from the payee's electronic device and generates a reconciliation code corresponding to the payee identification data and the payment collection task identification data and used for the payee to fill in a remark field when making a payment. The multi-person payment service host queries the bank account host to determine whether a transaction record in which the payment is transferred into the payee's bank account and the remark field contains the reconciliation code is stored.

Description

Multi-person payment collection service system and multi-person payment collection method

The present invention relates to a payment collection system, in particular to a multi-person payment collection service system. The present invention also relates to a multi-person payment collection method.

In group social activities, there are often situations where multiple people have to pay for meals. For example, at a dinner party, one person first pays the meal bill for the rest of the diners and pays the full amount to the restaurant. The rest of the diners then pay the meal bill to the person who paid for them. After paying the person who paid for them, you need to provide the last five digits of the transfer account number for the person who paid for them to reconcile.

The manual reconciliation of the last five digits of the transfer account by the payee is not only time-consuming but also prone to errors. How to develop a new multi-person payment service system to improve the convenience of payment collection and reconciliation by the payee is a further topic to be explored in the present invention.

Therefore, the purpose of the present invention is to provide a multi-person payment service system.

Another object of the present invention is to provide a method for collecting payment by multiple persons.

Therefore, the multi-person payment service system of the present invention is suitable for communicating with a payment receiving electronic device operated by a payment receiving party and multiple payment receiving electronic devices respectively operated by multiple payment receiving parties, and includes a multi-person payment receiving service host and a bank account host. The bank account host is electrically connected to the multi-person payment receiving service host via a communication network.

When the multi-person payment service host receives a payment task establishment request corresponding to a payment party bank account from the payment party's electronic device, the multi-person payment service host generates a payment task identification data corresponding to the payment party's bank account and a payment service invitation URL containing the payment task identification data, and transmits the payment service invitation URL to the payment party's electronic device for the payment party's electronic device to share with the payer electronic devices.

When one of the payee electronic devices is linked to the multi-person payment service host through the payment service invitation URL, the multi-person payment service host provides a payment service invitation page to the payee electronic device, and the payment service invitation page includes a payee identification information field for the payee to fill in a payee identification information.

When the multi-person payment collection service host receives the payee identification data from the payee electronic device, the multi-person payment collection service host generates a reconciliation code corresponding to the payee identification data and the payment collection task identification data, and provides a reconciliation code notification page containing the reconciliation code to the payee electronic device. The reconciliation code is used for the payee to fill in a remark field when making payment.

When the multi-person payment service host receives a payment task progress inquiry corresponding to the payment party's bank account number from the payment party's electronic device, the multi-person payment service host queries the bank account service host for each of all the reconciliation codes corresponding to all the payment task identification data corresponding to the payment party's bank account number to see whether the bank account service host has stored the payment task progress inquiry corresponding to the payment party's bank account number and the remark field includes When a transaction record containing the reconciliation code is found in the bank account host computer, and a transaction record containing the reconciliation code in which the bank account of the payee is transferred is stored, a receipt record corresponding to the reconciliation code is generated according to the transaction record, and the receipt record contains the identification data of the payee corresponding to the reconciliation code and a remitted amount of the transaction record.

The multi-person payment service host transmits all payment records to the payment recipient's electronic device, so that the payment recipient's electronic device can display all payment records.

In some implementations, the multi-person payment service host randomly generates the reconciliation code corresponding to the payee identification data and the payment task identification data, and the reconciliation code is unique to the payee's bank account number.

In some implementations, the payment collection task creation request includes a number of payees, and the multi-person payment collection service host makes the number of payees correspond to the payment collection task identification data. The multi-person payment collection service host also generates a number of paid people and a number of unpaid people corresponding to each payment task identification data based on all payment collection records and the number of payees corresponding to each payment task identification data, and transmits it to the payee's electronic device so that the payee's electronic device can display the number of paid people and the number of unpaid people corresponding to each payment task identification data.

In some implementations, the payment collection task creation request includes a deadline, and the multi-person payment collection service host makes the deadline correspond to the payment collection task identification data.

In some implementations, the payment record also includes a transfer date of the transaction record.

The multi-person payment collection method of the present invention is implemented by a multi-person payment collection service system. The multi-person payment collection service system is suitable for communicating with a payment collection electronic device for operation by a payment collection party and a plurality of payment collection electronic devices for operation by a plurality of payment collection parties, and comprises a multi-person payment collection service host and a bank account service host. The method comprises: when the multi-person payment collection service host receives a payment collection task establishment request from the payment collection electronic device and corresponding to a payment collection party bank account number, the multi-person payment collection service host generates a payment collection task identification data corresponding to the payment collection party bank account number, and a payment collection task identification data including the payment collection task identification data. The payment service invitation URL of the payee's electronic device is transmitted to the payee's electronic device for the payee's electronic device to share with the payee's electronic devices; when one of the payee's electronic devices is connected to the multi-person payment service host through the payment service invitation URL, the multi-person payment service host provides a payment service invitation page to the payee's electronic device, and the payment service invitation page includes a payee identification information field for the payee to fill in a payee identification information; when the multi-person payment service host receives the payee identification information from the payee's electronic device, the payee's electronic device receives the payee identification information from the payee's electronic device, and the payee's electronic device receives the payee identification information from the payee's electronic device. The multi-person payment service host generates a reconciliation code corresponding to the payee identification data and the payment task identification data, and provides a reconciliation code notification page including the reconciliation code to the payee electronic device, wherein the reconciliation code is used for the payee to fill in a remark field when making a payment; when the multi-person payment service host receives a payment task progress inquiry corresponding to the payee bank account number from the payee electronic device, the multi-person payment service host inquires the bank account number of each of all the reconciliation codes corresponding to all the payment task identification data corresponding to the payee bank account number. The multi-person payment collection service host computer checks whether the electronic device of the payee stores a transaction record in which the bank account number of the payee is transferred and the remark field includes the reconciliation code, and when it is found that the bank account service host computer stores a transaction record in which the bank account number of the payee is transferred and the reconciliation code is included in the remark field, a payment collection record corresponding to the reconciliation code is generated according to the transaction record, and the payment collection record includes the payee identification data corresponding to the reconciliation code and a transfer amount of the transaction record; and the multi-person payment collection service host computer transmits all payment collection records to the electronic device of the payee, so that the electronic device of the payee displays all payment collection records.

The effect of the present invention is that: the multi-person payment service host receives the payee identification data from the payee's electronic device, and generates the reconciliation code corresponding to the payee identification data and the payment task identification data and used for the payee to fill in the remark field when making payment. When the multi-person payment service host inquires about a transaction record stored in the bank account host in which the payee's bank account number is imported and the remark field contains the reconciliation code, a payment record corresponding to the reconciliation code and containing the payee identification data corresponding to the reconciliation code and the remitted amount of the transaction record is generated according to the transaction record, thereby improving the convenience of the payee in receiving and reconciling.

Before the present invention is described in detail, it should be noted that similar components are represented by the same reference numerals in the following description.

Referring to FIG. 1 , an embodiment of the multi-person payment service system 100 of the present invention is suitable for communicating with a payee electronic device 200 operated by a payee and a plurality of payee electronic devices 300 respectively operated by a plurality of payers, and comprises a multi-person payment service host 1 and a bank account host 2. The bank account host 2 is electrically connected to the multi-person payment service host 1 via a communication network.

The payee electronic device 200 is installed with a predetermined application corresponding to the multi-person payee service host 1, and can cooperate with the multi-person payee service host 1. The payee electronic device 200 is, for example, a smart phone or a tablet computer.

The payee electronic devices 300 do not need to install the predetermined application corresponding to the multi-person payment service host 1, but only need to install a general web browser. Each payee electronic device 300 is, for example, a smart phone, a tablet computer, a laptop computer, or a desktop computer.

Referring to FIG. 1 and FIG. 2 , the following describes the steps of executing a payment task establishment procedure of the multi-person payment service system 100 of the present invention. First, as shown in step S01, when the multi-person payment service host 1 receives a payment task establishment request corresponding to a payment party bank account number from the payment party electronic device 200, the multi-person payment service host 1 generates a payment task identification data corresponding to the payment party bank account number and a payment service invitation URL including the payment task identification data, and transmits the payment service invitation URL to the payment party electronic device 200 for the payment party electronic device 200 to share with the payee electronic devices 300. The payee electronic device 200, for example, shares the payment service invitation URL with the payee electronic devices 300 via an instant messaging application, or provides the payee electronic devices 300 with a QR Code corresponding to the payment service invitation URL to scan and obtain the payment service invitation URL.

In this embodiment, the payment task establishment request includes a number of payees and a deadline, and the multi-person payment service host 1 makes the number of payees and the deadline correspond to the payment task identification data. The payment task establishment request may also include a payment reason.

Next, as shown in step S02, when one of the payee electronic devices 300 is connected to the multi-person payment service host 1 through the payment service invitation URL, the multi-person payment service host 1 provides a payment service invitation page to the payee electronic device 300, and the payment service invitation page includes a payee identification information field for the payee to fill in a payee identification information (such as the payee's name or nickname).

Next, as shown in step S03, when the multi-person payment collection service host 1 receives the payee identification data from the payee electronic device 300, the multi-person payment collection service host 1 generates a reconciliation code corresponding to the payee identification data and the payment collection task identification data, and provides a reconciliation code notification page including the reconciliation code to the payee electronic device 300. The reconciliation code is used for the payee to fill in a remark field when making payment.

In this embodiment, the multi-person payment service host 1 generates the reconciliation code corresponding to the payee identification data and the payment task identification data in a random manner, and the reconciliation code is unique to the payee bank account number. In other words, the same payee bank account number will not have a duplicate reconciliation code.

Referring to FIG. 1 and FIG. 3, the following describes the steps of executing a payment progress inquiry procedure of the multi-person payment collection service system 100 of the present invention. First, as shown in step S11, when the multi-person payment collection service host 1 receives a payment task progress inquiry corresponding to the bank account number of the payee from the payee electronic device 200, the multi-person payment collection service host 1 inquires whether the bank account service host 2 has stored the payment task progress inquiry corresponding to the bank account number of the payee for each of all the reconciliation codes corresponding to all the payment task identification data corresponding to the bank account number of the payee. The remark field includes a transaction record of the reconciliation code, and when the bank account host 2 is queried to store a transaction record of the reconciliation code and the remark field includes the reconciliation code, a receipt record corresponding to the reconciliation code is generated according to the transaction record, and the receipt record includes the payee identification data corresponding to the reconciliation code and an remitted amount and an remittance date of the transaction record.

In this embodiment, the multi-person payment service host 1 also generates a number of paid persons and a number of unpaid persons corresponding to each payment task identification data based on all payment records and the number of payees corresponding to each payment task identification data.

Next, as shown in step S12, the multi-person payment service host 1 transmits all payment records to the payee electronic device 200, so that the payee electronic device 200 can display all payment records.

In this embodiment, the multi-person payment service host 1 also transmits the number of people who have paid and the number of people who have not paid to the payee electronic device 200, so that the payee electronic device 200 can display the number of people who have paid and the number of people who have not paid corresponding to each payment task identification data.

In summary, the multi-person payment service system 100 of the present invention receives the payee identification data from the payee electronic device 300 through the multi-person payment service host 1, and generates the reconciliation code corresponding to the payee identification data and the payment task identification data and used for the payee to fill in the remark field when making payment, and the multi-person payment service host 1 queries the bank account When the service host 2 stores a transaction record in which the bank account number of the payee is transferred and the remark field includes the reconciliation code, a payment record corresponding to the reconciliation code and including the payee identification data corresponding to the reconciliation code and the transfer amount of the transaction record is generated according to the transaction record, thereby improving the convenience of the payee in receiving payment and reconciliation, and thus the purpose of the present invention can be achieved.

However, the above is only an embodiment of the present invention and should not be used to limit the scope of implementation of the present invention. All simple equivalent changes and modifications made according to the scope of the patent application of the present invention and the content of the patent specification are still within the scope of the present patent.

100: Multi-person payment service system 1: Multi-person payment service host 2: Bank account host 200: Payee electronic device 300: Payee electronic device S01~S03: Steps S11~S12: Steps

Other features and functions of the present invention will be clearly presented in the implementation method of the reference figures, wherein: FIG. 1 is a schematic diagram of a hardware connection relationship of an implementation of the multi-person payment collection service system of the present invention; FIG. 2 is a flow chart of the implementation, illustrating a payment collection task establishment procedure; and FIG. 3 is another flow chart of the implementation, illustrating a payment collection progress inquiry procedure.

100:Multi-person payment service system

1: Multi-person payment service host

2: Bank account host

200: Payee's electronic device

300: Payer's electronic device

Claims (10)

A multi-person payment collection service system is suitable for communicating with a payment collection electronic device operated by a payment collection party and multiple payer electronic devices respectively operated by multiple payers, and comprises: a multi-person payment collection service host; and a bank account service host, electrically connected to the multi-person payment collection service host via a communication network; when the multi-person payment collection service host receives a payment collection task establishment request from the payment collection electronic device and corresponding to a payment collection party bank account number, the multi-person payment collection service host generates a payment collection task identification data corresponding to the payment collection party bank account number, and a payment collection service invitation URL containing the payment collection task identification data, and transmits the payment collection service invitation URL to the payment collection electronic device for the payment collection electronic device to share with the payer electronic devices; When one of the payee electronic devices is linked to the multi-person payment service host through the payment service invitation URL, the multi-person payment service host provides a payment service invitation page to the payee electronic device, and the payment service invitation page includes a payee identification data field for the payee to fill in a payee identification data; When the multi-person payment service host receives the payee identification data from the payee electronic device, the multi-person payment service host generates a reconciliation code corresponding to the payee identification data and the payment task identification data, and provides a reconciliation code notification page including the reconciliation code to the payee electronic device, and the reconciliation code is used for the payee to fill in a remark field when making payment; When the multi-person payment service host receives a payment task progress inquiry corresponding to the payment party's bank account number from the payment party's electronic device, the multi-person payment service host queries the bank account service host for each of all the reconciliation codes corresponding to all the payment task identification data corresponding to the payment party's bank account number to see whether the bank account service host has stored the payment task progress inquiry corresponding to the payment party's bank account number and the remark field includes When the bank account service host computer stores a transaction record containing the reconciliation code and the remark field contains the reconciliation code, a payment record corresponding to the reconciliation code is generated according to the transaction record, and the payment record contains the identification data of the payee corresponding to the reconciliation code and a remitted amount of the transaction record; The multi-person payment service host computer transmits all payment records to the electronic device of the payee, so that the electronic device of the payee can display all payment records. A multi-person payment collection service system as described in claim 1, wherein the multi-person payment collection service host generates the reconciliation code corresponding to the payee identification data and the payment collection task identification data in a random manner, and the reconciliation code is unique to the payee's bank account number. A multi-person payment collection service system as described in claim 1, wherein the payment collection task establishment request includes a number of payees, and the multi-person payment collection service host makes the number of payees correspond to the payment collection task identification data. The multi-person payment collection service host also generates a number of paid persons and a number of unpaid persons corresponding to each payment collection task identification data based on all payment collection records and the number of payees corresponding to each payment collection task identification data, and transmits the number of paid persons and the number of unpaid persons corresponding to each payment collection task identification data, and transmits the number of paid persons and the number of unpaid persons to the payment collection party's electronic device so that the payment collection party's electronic device can display the number of paid persons and the number of unpaid persons corresponding to each payment collection task identification data. A multi-person payment collection service system as described in claim 1, wherein the payment collection task establishment request includes a deadline, and the multi-person payment collection service host makes the deadline correspond to the payment collection task identification data. A multi-person payment service system as described in claim 1, wherein the payment record further includes an import date of the transaction record. A multi-person payment collection method is implemented by a multi-person payment collection service system, which is suitable for communicating with a payee electronic device operated by a payee and multiple payee electronic devices respectively operated by multiple payers, and includes a multi-person payment collection service host and a bank account service host. The method includes: When the multi-person payment collection service host receives a payment collection task establishment request from the payee electronic device and corresponding to a payee bank account, the multi-person payment collection service host generates a payment collection task identification data corresponding to the payee bank account, and a payment collection service invitation URL containing the payment collection task identification data, and transmits the payment collection service invitation URL to the payee electronic device for the payee electronic device to share with the payee electronic devices; When one of the payee electronic devices is linked to the multi-person payment service host through the payment service invitation URL, the multi-person payment service host provides a payment service invitation page to the payee electronic device, and the payment service invitation page includes a payee identification data field for the payee to fill in a payee identification data; When the multi-person payment service host receives the payee identification data from the payee electronic device, the multi-person payment service host generates a reconciliation code corresponding to the payee identification data and the payment task identification data, and provides a reconciliation code notification page including the reconciliation code to the payee electronic device, and the reconciliation code is used for the payee to fill in a remark field when making payment; When the multi-person payment service host receives a payment task progress inquiry corresponding to the payment party's bank account number from the payment party's electronic device, the multi-person payment service host queries each of all reconciliation codes corresponding to all payment task identification data corresponding to the payment party's bank account number to see whether the bank account service host has stored the payment party's bank account number and the remarks field contains When the bank account service host computer finds a transaction record with the reconciliation code, and the bank account service host computer stores a transaction record with the bank account number of the payee and the remark field contains the reconciliation code, a payment record corresponding to the reconciliation code is generated according to the transaction record, and the payment record contains the payee identification data corresponding to the reconciliation code and a remitted amount of the transaction record; and the multi-person payment service host computer transmits all payment records to the payee electronic device, so that the payee electronic device can display all payment records. A multi-person payment collection method as described in claim 6, wherein the multi-person payment collection service host randomly generates the reconciliation code corresponding to the payee identification data and the payment collection task identification data, and the reconciliation code is unique to the payee's bank account number. A multi-person payment collection method as described in claim 6, wherein the payment collection task establishment request includes a number of payees, and the multi-person payment collection service host makes the number of payees correspond to the payment collection task identification data. The multi-person payment collection service host also generates a number of paid persons and a number of unpaid persons corresponding to each payment task identification data based on all payment collection records and the number of payees corresponding to each payment task identification data, and transmits the number of paid persons and the number of unpaid persons to the payee's electronic device so that the payee's electronic device can display the number of paid persons and the number of unpaid persons corresponding to each payment task identification data. A multi-person payment collection method as described in claim 6, wherein the payment collection task establishment request includes a deadline, and the multi-person payment collection service host makes the deadline correspond to the payment collection task identification data. A multi-person payment method as described in claim 6, wherein the payment record further includes an import date of the transaction record.

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