TWM541074U - Electronic payment system - Google Patents

Abstract

An electronic payment system includes a mobile device, a first server, a second server and a third server. The mobile device scans a two-dimensional barcode for obtaining a barcode information and transmitting the barcode information. The first server receives the barcode information by a first communication link and transmits a payment information corresponding to the barcode information. The second server uses for receiving the payment information by a second communication link, determining that whether the payment information is correct to generate an examination result, searching that whether a payment corresponding to the payment information is a to-be paid state to generate a searching result, and transmitting the examination result and the searching result to the first server. The third server establishes a third communication to the first server. The third server executes a payment procedure, transmits a transaction result, and records a transaction data and the transaction result corresponding to one of the payment selections.

Description

Electronic payment system

This case is about an electronic payment system. In particular, there is an electronic system for applying mobile devices for payment.

At present, the policyholders of the property insurance company or the life insurance company can pay the premium by giving the premium to the salesperson, or can use the application installed in the mobile device to pay the fee. However, it is more time-consuming to pay the premiums manually. Even if the policyholders pay the premiums through the application installed in the mobile device, they need to fill in more information before they can obtain the policy information or payment information. Therefore, the current mobile device The application on the web still has considerable limitations, making it difficult to provide a convenient premium payment method.

Therefore, how to provide a convenient premium payment system to enable the policyholders to complete the payment efficiently has become a problem to be solved by relevant personnel in the field.

In order to solve the above problems, one aspect of the present invention is to provide an electronic payment system. The electronic payment system includes a mobile device, a first host, a second host, and a third host. The mobile device is configured to scan a two-dimensional barcode to obtain barcode information of the two-dimensional barcode and transmit the barcode information. The first host is configured to establish a first communication link with the mobile device, receive the barcode information by using the first communication link, and transmit a payment information corresponding to the barcode information. The second host is configured to establish a second communication link with the first host, receive the payment information by using the second communication link, determine whether the payment information is correct, to generate a check result, and query whether the payment amount corresponding to the payment information is A pending status is generated to generate a query result, and the check result and the query result are transmitted to the first host. The third host establishes a third communication link with the first host, and the third host performs a payment procedure, a return transaction result, a record transaction data, and a transaction result of one of the corresponding payment mode options. Wherein, the first host judges whether the check result represents that the payment information is correct, and if the check result indicates that the payment information is correct, it is determined whether the check result represents the payment amount corresponding to the payment information is the pending state, and if the check result represents the check result If the payment amount corresponding to the payment information is pending, a payment interface is sent to the mobile device.

In summary, the application of the two-dimensional bar code allows the policy holder or other users who wish to pay the fee to scan the two-dimensional bar code by using the mobile device, thereby quickly obtaining the payment interface. Learn about the payment-related information and choose the payment method through the payment interface to provide a more convenient payment process. You can also find out the relevant information (such as insurance period, other precautions, etc.) that the insurance company wants to inform. In addition, the case can also provide a more payment method for the policyholders or other users who wish to pay the fee through a card reader that includes a variety of communication transmission methods.

100, 300‧‧‧Electronic payment system

10‧‧‧Mobile devices

11‧‧‧ camera lens

TG‧‧‧2D barcode

L1, L2, L3‧‧‧ communication links

S1, S2, S3‧‧‧ host

20‧‧‧ card reader

ST‧‧‧ slots

200‧‧‧Electronic payment method

210~290‧‧‧Steps

The above and other objects, features, advantages and embodiments of the present disclosure will become more apparent and understood. The accompanying drawings are as follows. FIG. 1 is a block diagram of an electronic payment system according to an embodiment of the present invention. 2A-2B are flowcharts of an electronic payment method according to an embodiment of the present invention; and FIG. 3 is a block diagram of an electronic payment system according to an embodiment of the present invention.

Please refer to the figures 1 and 2A-2B. FIG. 1 is a block diagram of an electronic payment system 100 according to an embodiment of the present invention. 2A-2B are flowcharts of an electronic payment method 200 according to an embodiment of the present invention. In one embodiment, the electronic payment system 100 includes a mobile device 10 and hosts S1 to S3. In an embodiment, the line The mobile device 10 can be a tablet computer, a smart phone or other portable electronic device, and the host S1~S3 can be implemented as a server, a desktop computer, a notebook computer or other electronic devices. In an embodiment, the mobile device 10 includes an imaging lens 11.

In an embodiment, the host S1 is a bank host, the host S2 is an insurance company host, and the host S3 is a billing host. The policyholder can obtain the insurance payment information through the electronic payment system 100, and use the personal bank account payment, credit card payment, financial card payment or other payment method according to the insurance payment information to deposit the premium into the account of the insurance company to complete the payment. Premium.

In an embodiment, the host S2 includes a storage device for storing insurance materials, payment items, payment amounts (for example, total amount to be paid), and/or user data, etc. corresponding to the payment information. In one embodiment, the storage device can be implemented by a memory, a hard disk, a flash drive memory card, or the like.

In one embodiment, the mobile device 10 and the hosts S1 S S3 each include a processor for performing various operations, and the processors may each be implemented as a micro control unit, a microprocessor, and a digital signal processor. (digital signal processor), application specific integrated circuit (ASIC) or a logic circuit.

In one embodiment, the mobile device 10 and the hosts S1 S S3 each include a communication device for establishing a communication connection with each other (eg, communication links L1, L2, L3), and the communication device may be a routing crystal. A chip, a data processing component, and a network card. For example, the communication device in the mobile device 10 can establish a communication connection L1 with the communication device in the host S1, and the communication device in the host S1 can establish a communication connection L2 with the communication device in the host S2, and the communication device in the host S3 can be connected to the host device. The communication device in S1 establishes a communication link L3. The communication links L1, L2, and L3 may be wired or wireless (for example, a network) communication link.

In an embodiment, the information transmitted in each step of the electronic payment method 200 is encrypted, wherein the account is written to the host S3 when the insurance company agrees with the bank, and the host S3 records the corresponding account. Transaction information and/or transaction results of the account. Among them, all the important information recorded by the host S1~S3 will not be transmitted in the clear text in the transaction process. Therefore, this information has not been tampered with.

In step 210, the mobile device 10 is configured to scan the two-dimensional barcode to obtain the barcode information of the two-dimensional barcode TG and transmit the barcode information.

In one embodiment, the two-dimensional barcode TG refers to a barcode that can store information in a two-dimensional space in both horizontal and vertical directions. In an embodiment, the two-dimensional barcode TG is a Quick Response Code (QR code). For example, the bank may print the quick response matrix code on the payment slip. When the policyholder receives the payment slip, the policy can be The fast response matrix code is captured by the camera lens 11 of the mobile device 10 to enable the mobile device 10 to obtain bar code information of the fast response matrix code (for example, the mobile device 10 can be The application for scanning the fast response matrix code to read out the bar code information).

In an embodiment, the information stored by the two-dimensional barcode TG is encrypted information, such as a transaction code, an insurance company name, an insurance company code, an identity card number, a payment amount, and the like.

In step 220, the host S1 receives the barcode information through the communication link L1, and transmits the payment information corresponding to the barcode information. In an embodiment, the host S1 can decrypt the received encrypted barcode information to obtain payment information, and then transmit the payment information to the host S2 through the communication link L2.

In an embodiment, the host S2 is an insurance company host for receiving payment information (for example, a transaction code, an insurance company name, an insurance company code, an identity card number, and a payment amount) from the host S1 (such as a bank host).

In step 230, the host S2 receives the payment information, determines whether the payment information is correct, and generates a check result, and queries whether the payment amount corresponding to the payment information is a pending status to generate a query result. In an embodiment, the host S2 transmits the check result and the query result to the host S1.

In an embodiment, the host S2 determines whether the payment information received by the host S2 is the same as the content of each of the payment information stored in the storage device (for example, determining whether the payment item and the payment amount are correct), and generating a check according to the judgment result. Nuclear results.

In addition, the host S2 can query whether the payment amount corresponding to the payment information stored in the storage device is a pending status according to the received payment information, that is, whether the payment amount (for example, a premium of 10,000 yuan) is The status to be paid, and the result of the inquiry is generated based on the judgment result.

Thereby, the host S2 can immediately check whether the payment information is correct and whether the payment amount is in a pending state; then, the host S2 transmits the check result and the query result to the host S1.

In step 240, the host S1 determines whether the check result represents that the payment information is correct, and if so, proceeds to step 260, otherwise proceeds to step 250.

In step 250, the host S1 transmits information of the payment information error to the mobile device 10. Thereby, the mobile device 10 can display the related information of the payment information error through the user interface.

In step 260, the host S1 determines whether the check result represents the payment amount corresponding to the payment information is the pending state, and if yes, proceeds to step 280, otherwise proceeds to step 270.

In step 270, the host S1 transmits the paid information to the mobile device 10. In this way, the mobile device 10 can display the related information (for example, the message indicating that there is no pending information) by the user interface, and the policy holder (or the user of the mobile device 10) can obtain the information. I know that there is no need to pay.

In step 280, the host S1 transmits a payment interface to the mobile device 10.

In an embodiment, the host S1 determines whether the check result represents that the payment amount corresponding to the payment information is a pending status, and if so, the host S1 transmits the information of the payment mode option to the mobile device 10, so that the mobile device 10 can The payment interface is updated to present a plurality of payment method options for the policyholder (or the user of the mobile device 10) to select.

In one embodiment, the payment interface is used to display a payment item, a payment amount, and a plurality of payment method options. The payment method option includes at least one of a financial card payment mode option, a credit card payment mode option, and/or a personal bank account payment mode option. Thereby, the policy holder (or the user of the mobile device 10) can view the payment interface through the screen of the mobile device 10 to know the payment related information.

In an embodiment, the policy holder (or the user of the mobile device 10) can learn the option of the payment method through the payment interface. In an example, the payment interface displays three payment method options, respectively, for the payment method of the financial card. Option, credit card payment mode option and personal bank account payment mode option, the mobile device 10 can select one of the payment mode options provided by the payment interface (step 281), by the host S3 (ie, the account host) A payment procedure is performed (step 282).

In an example, the policy holder (or the user of the mobile device 10) can click on the credit card payment option to perform the credit card payment procedure (eg, the host S1 transmits the credit card information interface). To the mobile device 10, the policy holder (or the user of the mobile device 10) can input the card number, credit card expiration date, confirmation code, etc. through the credit card information interface.

In one example, the policy holder (or the user of the mobile device 10) can click on the financial card payment method option to enter the financial card payment program.

In one example, the policy holder (or the user of the mobile device 10) can click on the personal bank account payment method option to enter the personal bank account payment procedure.

In an embodiment, the payment procedure, the return transaction result, the record transaction data, and/or the transaction result corresponding to the various payment methods are performed by the host S3. In other words, the host S3 executes a payment program corresponding to one of the plurality of payment method options, a return transaction result, a record transaction data, and a transaction result. In an embodiment, the host S3 is configured to determine whether the payment is successful (step 283). If yes, after the payment is completed, the host S3 transmits a transaction completion success message to the host S1 (step 284), and the host S1 receives a transaction. After confirming the message, the transaction completion confirmation message and the related information of the transaction are transmitted to the host S2 (step 285), whereby the host S2 can change the payment amount corresponding to the payment information to the paid state (step 286). The host S1 transmits the transaction completion success message to the mobile device 10, and the mobile device 10 can display a transaction completion interface to allow The policy holder (or the user of the mobile device 10) is informed that the transaction is complete (step 287).

In an embodiment, if the host S3 determines that the payment fails, the process proceeds to step 288. In step 288, the host S3 transmits a transaction failure message to the host S1. After receiving the transaction failure message, the host S1 transmits the transaction failure message and related information of the transaction to the host S2 (step 289), and the host S1 will again The transaction failure message is transmitted to the mobile device 10, and the mobile device 10 can display a transaction failure interface to let the policy holder (or the user of the mobile device 10) know that the transaction failed (step 290).

In an embodiment, please refer to FIG. 3, which is a block diagram of an electronic payment system 300 according to an embodiment of the present invention. The electronic payment system 300 of FIG. 3 is different from the electronic payment system 100 of FIG. 1 in that the electronic payment system 300 further includes a card reader 20 coupled to the mobile device 10 (which can be connected by wire or wireless communication) . In an embodiment, the card reader 20 can include a slot ST for inserting a credit card or a financial card to read at least one financial information stored in the credit card or the financial card, and transmitting the financial information to the mobile device 10 in.

In one embodiment, the card reader 20 includes at least one of a Near Field Communication (NFC) device, a wireless network device, a Bluetooth device, a network interface card, and an infrared communication device. With such communication devices, the card reader 20 can communicate with the mobile device 10 to transmit financial information. It is delivered to the mobile device 10. Thereby, the electronic payment system 100 can provide a multi-payment payment method for the user through the card reader 20 including a plurality of communication transmission methods.

In summary, the application of the two-dimensional barcode allows the policy holder or other users who wish to pay the fee to scan the 2D barcode using the mobile device, thereby quickly obtaining the payment interface to learn the payment related information and pay the fee. The interface selects the payment method to provide a more convenient payment process, and also knows the relevant information that the insurance company wants to inform (such as insurance period, other considerations, etc.). In addition, the case can also provide a more payment method for the policyholders or other users who wish to pay the fee through a card reader that includes a variety of communication transmission methods.

Although the present invention has been disclosed in the above embodiments, it is not intended to limit the present case. Anyone skilled in the art can make various changes and refinements without departing from the spirit and scope of the present case. The scope defined in the patent application is subject to change.

100‧‧‧Electronic payment system

10‧‧‧Mobile devices

11‧‧‧ camera lens

TG‧‧‧2D barcode

L1, L2, L3‧‧‧ communication links

S1, S2, S3‧‧‧ host

Claims (10)

An electronic payment system comprising: a mobile device for scanning a two-dimensional barcode to obtain barcode information of the two-dimensional barcode and transmitting the barcode information; and a first host for establishing a a communication link, the barcode information is received by the first communication link, and a payment information corresponding to the barcode information is transmitted; and a second host is configured to establish a second communication link with the first host, The second communication link receives the payment information, determines whether the payment information is correct, generates a check result, and queries whether the payment amount corresponding to the payment information is a pending status to generate a query result, and The check result and the query result are transmitted to the first host; a third host is configured to establish a third communication link with the first host, and execute a payment program corresponding to one of the plurality of payment mode options, a return transaction result, a record transaction data and a transaction result; wherein the first host determines whether the check result represents the payment information is correct, if judged If the inspection result indicates that the payment information is correct, it is determined whether the inspection result represents the payment amount corresponding to the payment information is the pending payment status, and if the verification result represents that the payment information corresponds to the payment amount, the payment amount is In the pending state, a payment interface is transmitted to the mobile device. Such as the electronic application mentioned in the first item of patent scope The payment system, wherein the two-dimensional barcode is a Quick Response Code (QR code). The electronic payment system of claim 1, wherein the first host is a bank host, the second host is an insurance company host, and the third host is a billing host. The electronic payment system of claim 1, wherein the payment interface is used to display the payment method options; wherein the payment method options include a financial card payment mode option, a credit card payment mode option, or a person At least one of the bank account payment method options. The electronic payment system of claim 4, further comprising: a card reader coupled to the mobile device, the card reader for reading at least one financial account stored in a credit card or a financial card. Information and transmitting the at least one financial information to the mobile device. The electronic payment system of claim 5, wherein the card reader comprises a Near Field Communication (NFC) device, a wireless network device, a Bluetooth device, and a network interface card. Infrared pass At least one of the devices. The electronic payment system of claim 4, wherein the mobile device is configured to select one of the payment method options provided by the payment interface. The electronic payment system of claim 1, wherein the first host establishes the first communication link with the mobile device by using a first communication device, and the second host uses a second communication device Establishing the second communication link with the first host, the third host establishes the third communication link with the first host by using a third communication device. The electronic payment system of claim 1, wherein the second host comprises a storage device for storing insurance information, a payment item, the payment amount or a user corresponding to the payment information. data. The electronic payment system of claim 1, wherein the third host comprises a storage device.