TWM571530U - Payment system - Google Patents

Abstract

A payment system includes a one-way terminal, an enterprise server, and a mobile device. A user executes a web browser by the mobile device to input a web address provided by the enterprise server, thereby causing a display to display a web page stored by the enterprise server. The content of this webpage contains a current due amount and a minimum payable amount corresponding to the user. After receiving the payment amount generated by the mobile device, the enterprise server generates a first barcode corresponding to a payment cancellation code and a second barcode corresponding to the payment amount, and the first barcode is And the second barcode is transmitted to the mobile device. A red light scanner of the path terminal scans the first barcode and the second barcode displayed on the display to obtain corresponding data.

Description

Payment system

The present invention relates to a payment system, and more particularly to a payment system for a mobile device and free of application installation.

Existing consumers receive a paper bill or electronic bill from a bank, such as a credit card bill, and if the consumer wants to pay on a traditional physical channel, they need to carry the paper bill or carry it. Print out the electronic bills for payment in a physical channel, such as a convenience store.

In addition, if the consumer wants to perform the payment of the corresponding bill or the electronic bill on his mobile device, the file of the electronic bill must be downloaded in advance, or a specific application (APP) must be pre-installed, for example Payment can only be made by the issuing bank. Moreover, whether the consumer pays by traditional physical channels or through online payment of mobile devices, he or she can often choose only two methods of full payment or minimum preset payment. Therefore, the conventional payment system or method still has considerable inconvenience, and there should be a lot of room for improvement.

Therefore, the purpose of the present invention is to provide a more convenient payment system for the user.

Thus, the novel payment system includes a one-way terminal, an enterprise server, and a mobile device.

The path terminal includes a red light scanner. The enterprise server stores a current account payable amount and a minimum payable amount corresponding to a user, and also stores a webpage corresponding to a website, the content of the webpage includes the current payable amount and the minimum payable amount. . The mobile device corresponds to the user and establishes a connection with the enterprise server, and can execute a web browser and includes a display.

The enterprise server also transmits the website address to the mobile device corresponding to the user and displays it on the display of the mobile device. The user executes the web browser by the mobile device to input the web address, thereby causing the display to display the web page stored by the enterprise server.

The mobile device also generates a payment amount and transmits the payment amount to the enterprise server, the payment amount being between the current payable amount and the minimum payable amount.

After receiving the payment amount, the enterprise server generates a first barcode corresponding to a payment cancellation code and a second barcode corresponding to the payment amount, and transmits the first barcode and the second barcode. To the mobile device, such that the display of the mobile device displays the first barcode and the second barcode. The red light scanner of the path terminal scans the first barcode and the second barcode of the display to obtain corresponding data.

In some embodiments, the mobile device further includes a touch module, wherein the user knows the current payable amount and the minimum payable amount of the web page displayed by the display The touch module is input to generate the payment amount.

In some implementations, the enterprise server further stores a pair of open passwords for the webpage, and the user also performs the action by the mobile device by executing the web browser to input the webpage. The touch module of the device inputs the open password to cause the display to display the webpage stored by the enterprise server.

In another implementation manner, after receiving the payment amount, the enterprise server further generates a third barcode corresponding to a bank payment channel, and further transmits the third barcode to the mobile device. So that the display of the mobile device also displays the third barcode. The red light scanner of the path terminal also scans the third barcode of the display to obtain corresponding data.

In some implementations, wherein the path terminal further establishes a connection with the enterprise server, when the red light scanner of the path terminal has the first bar code, the second bar code, and the After the third barcode scans to obtain the corresponding data, the terminal terminal will correspond to the payment accounting code of the first barcode, the payment amount corresponding to the second barcode, and the bank corresponding to the third barcode. The payment channel is sent to the enterprise server for cancellation.

In other implementations, the path terminal further establishes a connection with the enterprise server, and when the red light scanner of the path terminal scans the first barcode and the second barcode of the display, After obtaining the corresponding data, the channel terminal transmits the payment accounting code corresponding to the first barcode and the payment amount corresponding to the second barcode to the enterprise server for sale.

The effect of the present invention is that the webpage including the current payable amount and the minimum payable amount is displayed on the display of the mobile device by the enterprise server, and the mobile device is used according to the mobile device The payment amount input by the touch module generates the first barcode and the second barcode, so that the mobile device does not need to pre-install a specific application, and only needs to display the first display on the display by using the web browser. A code and a second barcode (or a third barcode) are provided to provide scanning of the red light scanner of the terminal terminal, and then the accounting is performed with the enterprise server, which can actually improve the payment of the user on the bill. The convenience of the way.

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

Referring to FIG. 1, an embodiment of the present payment system includes a gateway terminal 3, an enterprise server 2, and a mobile device 1. The access terminal 3 is, for example, provided at a convenience store or a counter of the bank for use by a store clerk or a walker, and includes a red light scanner 31. The red light scanner 31 is, for example, a light emitting diode (LED) as a light emitting source, and is capable of scanning a one-dimensional or two-dimensional barcode (Barcode) to read and obtain the data content corresponding to the barcode.

The mobile device 1 is, for example, a smart phone, a tablet computer, or the like, and corresponds to a user, and is connected to the enterprise server 2, and can execute a web browser and includes a display. 11 and a touch module 12. The mobile device 1 is connected to the enterprise server 2 via various wireless methods such as a wireless network, a 3G mobile network, or a 4G mobile network.

The enterprise server 2 is, for example, a server of a bank, and stores a current account payable amount and a minimum payable amount corresponding to the user, and also stores a webpage corresponding to a URL (Uniform resource locator, URL). And a pair of opening passwords for the web page. The content of this webpage contains the current amount payable and the minimum payable amount. More specifically, the current payable amount and the minimum payable amount are, for example, the relevant amount of the user's bill for a certain period of the bank, but are not limited thereto. The opening password is previously requested or agreed by the user with the bank to be stored in the enterprise server 2.

The enterprise server 2 also transmits the website address to the mobile device 1 corresponding to the user. For example, the enterprise server 2 has previously stored the door number or email address of the mobile device 1 corresponding to the user. The enterprise server 2 transmits the website address to the mobile device 1 by means of a short message, an email, a social communication software (such as Line), or other instant messaging software. In addition, it should be added that the enterprise server 2 can also be multiple servers in the bank, for example, one of them is responsible for generating billing information and storing the current amount and the minimum amount corresponding to the user. The server that pays the amount, and the other server is responsible for generating the web page and the URL link that transmits the web address.

After receiving the web address from the enterprise server 2, the mobile device 1 displays the web address on the display 11 of the mobile device 1, for example, displaying the content of the short message notification or the email notification. When the mobile device 1 executes the web browser to input the web address, the user also inputs the open password through the touch module 12 of the mobile device 1 to cause the display 11 to display the enterprise. The web page stored by the server 2.

After the current amount and the minimum amount of the payable amount of the web page displayed on the display 11, the user inputs the amount by the touch module 12 to generate a payment amount. The mobile device 1 transmits the payment amount to the enterprise server 2, and the payment amount is between the current payable amount and the minimum payable amount. For example, the current payable amount is 10,000 yuan, the minimum payable amount is 1000 yuan, then the payment amount is less than or equal to 10,000 yuan, and greater than or equal to 1000 yuan.

After receiving the payment amount, the enterprise server 2 generates a first barcode corresponding to a payment cancellation code and a second barcode corresponding to the payment amount, and the first barcode and the second barcode The mobile device 1 is transmitted to the display device 11 of the mobile device 1 to display the first barcode and the second barcode. The red light scanner 31 of the path terminal 3 scans the first barcode and the second barcode of the display 11 to obtain corresponding data, that is, obtain the payment accounting code and the payment amount.

The path terminal 3 is also connected to the enterprise server 2, and the path terminal 3 is connected to the enterprise server 2 by various wireless methods such as a wireless network, a 3G mobile network, or a 4G mobile network. Wire, or, connect to the enterprise server 2 using wired mode of Ethernet. After the red light scanner 31 of the path terminal 3 scans the first barcode and the second barcode of the display 11 to obtain corresponding data, the path terminal 3 will respond to the first barcode. The payment account code and the payment amount corresponding to the second barcode are transmitted to the enterprise server 2 for sale.

In other embodiments, after receiving the payment amount, the enterprise server 2 further generates a third barcode corresponding to a bank payment channel, and further transmits the third barcode to the mobile device 1 to The display 11 of the mobile device 1 is also caused to display the third bar code. That is, the display 11 simultaneously displays the first barcode, the second barcode, and the third barcode. The red scanner 31 of the path terminal 3 also scans the third barcode of the display 11 to obtain corresponding data.

In addition, in this embodiment, the path terminal 3 is, for example, a computer host of the bank's counter, and the red scanner 31 only needs to scan the first barcode and the second barcode, that is, The third bar code is not required when the user wants to pay at the bank (ie the bank that generated the bill). In other embodiments, the path terminal 3 is, for example, a cash register host of a convenience store, and the red scanner 31 needs the first barcode, the second barcode, and the third barcode to provide the bank account. . In addition, according to the national laws and regulations, when the bank's bank or branch pays, the amount of the payment is not limited between the amount payable in the current period and the minimum amount payable, but in the super-commercial channel When paying the payment, the amount of the payment has a limit of 20,000 yuan. Therefore, when the amount payable in the current period exceeds 20,000 yuan, the payment cannot be made in full, so that the amount of the payment can be at most 20,000. yuan.

When the red scanner 31 of the path terminal 3 scans the first bar code, the second bar code, and the third bar code of the display 11 to obtain corresponding materials, the path terminal 3 will correspond to The payment code of the first code, the payment amount corresponding to the second code, and the bank payment channel corresponding to the third code are transmitted to the enterprise server 2 for sale.

In addition, in this embodiment, the method for generating the URL is encoded, and the encoded component randomly takes 8 characters from the Obfuscated code to form a string, such as hWV42Oaf, and randomly generates an offset. The two-digit number, then decompose the number of the year, month, and day corresponding to the bill, and add the offset, and then compare the character position of the obfuscated code to generate a billing code, such as 4haWVV05D2AODAaf, and then set Go to this URL.

In summary, the webpage including the current payable amount and the minimum payable amount is displayed on the display 11 of the mobile device 1 by the enterprise server 2, and according to the user The payment amount input by the touch module 12 of the mobile device 1 generates the first barcode and the second barcode (or a third barcode), so that the mobile device 1 does not need to install a specific application in advance. It is only necessary to use the web browser to display the first barcode and the second barcode (or a third barcode) on the display 11 to provide scanning by the red scanner 31 of the access terminal 3, and further to the enterprise servo. The sale of the device 2 does improve the convenience of the user in the payment method of the bill, so that the object of the present invention can be achieved.

However, the above is only the embodiment of the present invention. When the scope of the novel implementation cannot be limited thereto, all simple equivalent changes and modifications according to the scope of the patent application and the contents of the patent specification are still This new patent covers the scope.

1‧‧‧ mobile device

11‧‧‧ Display

12‧‧‧Touch Module

2‧‧‧Enterprise Server

3‧‧‧Terminal terminal

31‧‧‧Red Light Scanner

Other features and advantages of the present invention will be apparent from the description of the drawings, wherein: Figure 1 is a block diagram illustrating an embodiment of the present payment system.

Claims (6)

A payment system comprising: a channel terminal, comprising a red light scanner; an enterprise server storing a current payable amount corresponding to a user and a minimum payable amount, and storing a corresponding one of the web addresses a webpage, the content of the webpage includes the current payable amount and the minimum payable amount; and a mobile device corresponding to the user and establishing a connection with the enterprise server, and executing a web browser, and including a display, wherein the enterprise server further transmits the website address to the mobile device corresponding to the user and displayed on the display of the mobile device, and the user executes the web browser by the mobile device to input The website further causes the display to display the webpage stored by the enterprise server, the mobile device also generates a payment amount, and transmits the payment amount to the enterprise server, the payment amount is between the current period Between the amount payable and the minimum amount payable, after receiving the payment amount, the enterprise server generates a first code and a pair corresponding to a payment sales code. a second barcode of the payment amount, and transmitting the first barcode and the second barcode to the mobile device, so that the display of the mobile device displays the first barcode and the second barcode, the path terminal The red light scanner scans the first barcode and the second barcode of the display to obtain corresponding data. The payment system of claim 1, wherein the mobile device further comprises a touch module, wherein the user knows the current payable amount and the minimum payable amount of the web page displayed by the display The payment module is input to generate the payment amount. The payment system of claim 2, wherein the enterprise server further stores a pair of open passwords for the webpage, and the user borrows the webpage by the mobile device to input the webpage, and the user borrows The opening password is input by the touch module of the mobile device, so that the display displays the webpage stored by the enterprise server. The payment system of claim 1, wherein the enterprise server, after receiving the payment amount, generates a third barcode corresponding to a bank payment channel, and further transmits the third barcode to the The mobile device is configured such that the display of the mobile device further displays the third barcode, and the red scanner of the access terminal further scans the third barcode of the display to obtain corresponding data. The payment system of claim 4, wherein the access terminal further establishes a connection with the enterprise server, when the red light scanner of the access terminal has the first barcode and the second barcode of the display And after scanning the third barcode to obtain the corresponding data, the terminal terminal corresponding to the payment code of the first barcode, the payment amount corresponding to the second barcode, and the corresponding third barcode The bank payment channel is not transmitted to the enterprise server for sale. The payment system of claim 1, wherein the access terminal further establishes a connection with the enterprise server, when the red light scanner of the access terminal has the first barcode and the second barcode of the display After scanning to obtain the corresponding data, the channel terminal transmits the payment accounting code corresponding to the first barcode and the payment amount corresponding to the second barcode to the enterprise server for sale.