TWM595269U - Cross-platform payment system - Google Patents

Abstract

A cross-platform payment system includes a financial industry terminal and a payment processing platform. The financial industry terminal includes a service platform and a backend platform. The service platform is configured to receive trade information from a user terminal and determine whether the trade information is valid. The service platform generates bonus discount information according to a bonus discount option of the user terminal if the trade information is determined to be valid. The backend terminal is configured to generate charge result information depending on the bonus discount information, charge information and bonus balance information. The payment processing platform is communicatively connected to the financial industry terminal, and is configured to generate the charge information according to reception of the trade information, receive the charge result information from the backend platform and forward the charge result information to the service provider.

Description

Cross-platform payment system

The present invention relates to a cross-platform payment system, and particularly to a cross-platform payment system with bonus discount function.

With the advancement of information technology, the development of digital finance, and changes in consumption and payment habits, mobile payment has become one of the main means of consumption and payment in daily life. Mobile payment is the use of mobile devices for consumer payment. Its applications mainly include image barcode scanning and near-field communication (NFC) and other modes. In the design of mobile payment, the security and reliability of the system must be considered as the main consideration to avoid the risk of financial losses and damage to business reputation suffered by financial operators due to abnormal transactions.

The purpose of this new model is to provide a cross-platform payment system with a bonus discount function and an anti-repetitive transaction and anti-counterfeiting mechanism to ensure the security of the system and the user experience.

Based on the above purpose, the present invention proposes a cross-platform payment system, which includes the financial industry side and a payment processing platform. The financial industry includes service Platform and back-end platform, where the service platform is configured to receive transaction information from the client, and determine whether the transaction information is a valid transaction, and under the condition that the transaction information is a valid transaction, select the setting according to the user's bonus discount Dividend discount information is generated, and the back-end platform is configured to generate deduction result information based on the bonus discount information, deduction information, and remaining bonus information. The payment processing platform communicates with the financial industry, and is configured to receive transaction information from the service platform and generate deduction information accordingly, and receive deduction result information from the back-end platform and forward the deduction result information to the service platform.

According to an embodiment of the present invention, the above-mentioned service platform discriminating whether the transaction information belongs to a valid transaction includes: discriminating this transaction information from the previous one under the condition that the service platform receives the previous transaction information within a preset time interval before receiving the transaction information 1. Whether the transaction information is a transaction of the same amount for the same user; if not, the service platform judges that the transaction information is a valid transaction.

According to another embodiment of the present invention, the above-mentioned service platform discriminating whether the transaction information is a valid transaction includes: discriminating whether there is any outstanding transaction of the same client within a preset time interval before the service platform receives the transaction information; if not, the service The platform determines that this transaction information is a valid transaction.

According to another embodiment of the present invention, if the service platform does not receive the deduction result information transmitted by the back-end platform within a preset time interval after receiving the transaction information, the service platform changes the transaction information to be an invalid transaction.

According to the above purpose, the present invention also proposes a cross-platform payment system, which includes a financial industry terminal and a payment processing platform. The financial industry includes a service platform and a back-end platform. The service platform is configured to receive transaction information from the consumer platform and generate bonus discount information based on the user's bonus discount selection settings. This transaction information is generated by the consumer platform by reading the graphic barcode provided by the client. The back-end platform is configured to determine whether the transaction information is a valid transaction, and under the condition that the transaction information is a valid transaction, the deduction result information is generated based on the bonus discount information, deduction information, and remaining bonus information. The payment processing platform communicates with the financial industry, and is configured to receive transaction information from the service platform and generate deduction information accordingly, and receive deduction result information from the back-end platform and forward the deduction result information to the service platform.

According to an embodiment of the present invention, the above-mentioned back-end platform discriminating whether the transaction information is a valid transaction includes: judging that the back-end platform receives the previous deduction information within a preset time interval before receiving the deduction information Whether the deduction information and the previous deduction information are the same amount transaction of the same user; if not, the back-end platform judges that the transaction information is a valid transaction.

According to yet another embodiment of the present invention, the above-mentioned back-end platform determining whether the transaction information is a valid transaction includes: determining whether there is any outstanding transaction from the same client within a preset time interval before the back-end platform receives the deduction information; if not , The back-end platform determines that the transaction information is a valid transaction.

According to another embodiment of the present invention, the above-mentioned back-end platform updates the remaining bonus information based on the bonus discount information and the deduction information, and then sends the remaining bonus information to the service platform.

100‧‧‧ Cross-platform payment system

120‧‧‧Financial industry

122‧‧‧Service platform

124‧‧‧Back-end platform

130‧‧‧Payment processing platform

200‧‧‧ Cross-platform payment system

220‧‧‧Financial industry

222‧‧‧Service platform

224‧‧‧Back-end platform

240‧‧‧ payment processing platform

MP‧‧‧Consumption platform

U1‧‧‧Client

U2‧‧‧Client

For a more complete understanding of the embodiment and its advantages, reference is now made to the following description made in conjunction with the accompanying drawings, in which:

[FIG. 1] is a schematic diagram of a cross-platform payment system according to an embodiment of the present invention; and

[FIG. 2] is a schematic diagram of a cross-platform payment system according to another embodiment of the present invention.

The embodiments of the present invention are discussed in detail below. However, it can be understood that the embodiments provide many applicable new concepts, which can be implemented in a variety of specific contents. The specific embodiments discussed are for illustrative purposes only, and are not intended to limit the scope of the present invention.

In the present invention, the service platform, back-end platform and payment processing platform of the financial industry may each include one or more physical servers, virtual servers and/or databases, and the service platforms and/or service platforms of the client and the financial industry The communication connection between the various platforms can be established through the Internet, intranet and/or other communication networks. For example, the client can communicate with the financial industry through an encrypted communication protocol (such as SSL) through the Internet.

Please refer to FIG. 1, which is a schematic diagram of a cross-platform payment system 100 according to an embodiment of the present invention. The cross-platform payment system 100 is suitable for transactions in the main scan mode, that is, the user scans the image barcode provided by the store or business unit using the electronic device, and then the electronic device is connected to the cross-platform payment system 100 for subsequent transaction operations . In addition, the cross-platform payment system 100 supports bonus discount transactions, and the bonus discount method may be full discount or partial discount.

As shown in FIG. 1, the cross-platform payment system 100 includes a financial industry terminal 120 and a payment processing platform 130. The financial industry terminal 120 includes a service platform 122 and a back-end platform 124. The service platform 122 is configured to receive transaction information from the user terminal U1 and determine whether the transaction information provided by the user terminal U1 is a valid transaction. If it is determined that the transaction information provided by the client U1 is a valid transaction, the service platform 122 generates bonus discount information according to the transaction information. The back-end platform 124 is configured to generate deduction result information based on the bonus discount information, deduction information, and remaining bonus information. The payment processing platform 130 is configured to receive transaction information from the service platform 122 and generate deduction information accordingly, and receive deduction result information from the back-end platform 124 and forward the deduction result information to the service platform 122.

The flow of the cross-platform payment system 100 is as follows. First, the service platform 122 connects with the user terminal U1 to receive transaction information from the user terminal U1. In this embodiment, the user terminal U1 senses the image barcode provided by the store or business unit through the camera module, and then generates transaction information according to the identification content of the image barcode, and transmits the transaction information to the service platform 122. In other embodiments, the store or business unit may provide identification content (such as business unit name, transaction amount, transaction currency, and/or other information) to the user terminal U1 by means other than the image barcode. The device used by the user terminal U1 may be, for example, a smart phone, a tablet computer, etc., but is not limited thereto. The transaction information may include user account information, business unit name, transaction amount, transaction currency, bonus discount selection information and/or other information.

After receiving the transaction information of the client U1, the service platform 122 determines whether the transaction information provided by the client U1 is a valid transaction. If it is determined that the transaction information provided by the user U1 is a valid transaction, the service platform 122 generates bonus discount information based on this transaction information. In an embodiment, the method for the service platform 122 to determine whether the transaction information provided by the client U1 is a valid transaction includes: under the condition that the service platform 122 receives the previous transaction information within a preset time interval before receiving the transaction information, Determine whether the transaction information and the previous transaction information are the same amount of transactions for the same user; if not, the service platform 122 determines that the transaction information is a valid transaction. In another embodiment, the method for the service platform 122 to determine whether the transaction information provided by the client U1 is a valid transaction includes: determining whether there is any unsuccessful transaction of the same client U1 within a preset time interval before the service platform 122 receives the transaction information Complete the transaction; if not, the service platform 122 determines that the transaction information is a valid transaction.

After judging that the transaction information of the client U1 is a valid transaction, the service platform 122 generates bonus discount information according to the client's bonus discount selection setting, and transmits the bonus discount information to the back-end platform 124. If the user's bonus deduction option is set to enable bonus deduction, the bonus deduction information includes the bonus balance corresponding to the user account, so that the back-end platform 124 will subsequently use the bonus balance for consumption deduction.

Next, the service platform 122 is connected to the payment processing platform 130, and the payment processing platform 130 performs authorization verification of the image barcode. After the authorization verification is completed, the payment processing platform 130 generates the deduction information according to the image barcode, and transmits the deduction information to the back-end platform 124. After receiving the deduction information, the back-end platform 124 performs the consumption discount operation, deducts the transaction amount from the bonus balance used, and generates the deduction result information based on it, and transmits the deduction result information to the payment processing platform 130, and updates The remaining bonus information, and send the remaining bonus information to the service platform 122 for the service platform 122 to update the stored bonus surplus amount. The payment processing platform 130 forwards the received deduction result information to the service platform 122, and then the service platform 122 returns the transaction result to the user terminal U1 according to the deduction result.

In addition to the main scan mode, the bonus discount function can also be used in the scanned mode. Please refer to FIG. 2, which is a schematic diagram of a cross-platform payment system 200 according to another embodiment of the present invention. The cross-platform payment system 200 is suitable for transactions in the scanned mode, that is, users use electronic device image barcodes for scanning by a consumer platform (such as a host of a store or an institution, but not limited to this), and then the consumer platform Connect with the cross-platform payment system 200 for subsequent transaction operations. In addition, the cross-platform payment system 200 also supports bonus discount transactions, and the bonus discount method can also be full discount or partial discount.

As shown in FIG. 2, the cross-platform payment system 200 includes a financial industry terminal 220 and a payment processing platform 240. The financial industry terminal 220 includes a service platform 222 and a back-end platform 224. The service platform 222 is configured to receive transaction information from the consumer platform MP, and generate bonus discount information according to the bonus discount selection setting of the client U2. This transaction information is for the consumer platform MP by reading the graphic barcode provided by the client U2. produce. The back-end platform 224 is configured to determine whether the transaction information is a valid transaction, and if the transaction information is determined to be a valid transaction, generate the deduction result information based on the bonus discount information, deduction information, and remaining bonus information. The payment processing platform 240 communicates with the financial industry terminal 220 and is configured to receive transaction information from the service platform 222 and generate deduction information accordingly, and receive deduction result information from the back-end platform 224 and forward the deduction result information to the service platform 222 .

The flow of the cross-platform payment system 200 is as follows. First, the service platform 222 connects with the user terminal U2 to receive an image barcode generation request message and bonus discount selection setting message from the user terminal U2. If the user's bonus discount option is set to enable bonus discount, the service platform 222 sends the user account and bonus discount information set by the client U2 to the back-end platform 224 for the back-end platform 224 to use the bonus balance for subsequent Consumption discount operation. The bonus discount information contains the bonus balance corresponding to the user account.

Then, the back-end platform 224 transmits a payment token to the service platform 222, and the service platform 222 forms an image barcode according to the payment token, and transmits the image barcode to the user terminal U2. The generated image barcode may be a barcode that complies with the basic encoding rule (BER), but it is not limited to this. The user terminal U2 can display the image barcode through the display for the consumer platform MP to read. The consumer platform MP can sense the image barcode provided by the user U2 through a barcode scanner, camera module or other device, and then generates transaction information based on the identification content of the image barcode and the transaction-related content provided by the consumer platform MP, and The transaction information is transmitted to the service platform 222. In other embodiments, the user terminal U2 may provide the identification content to the consumer platform MP by means other than the image barcode. The consumer platform MP may be, for example, a smart phone with a payment function, a point of sale (POS) system, etc., but it is not limited thereto. The transaction information may include user account information, business unit name, transaction amount, transaction currency, and/or other information.

Next, the service platform 222 is connected to the payment processing platform 240, and the payment processing platform 240 performs authorization verification of the image barcode. Authorization verification After completion, the payment processing platform 240 generates deduction information according to the image barcode and transmits the deduction information to the back-end platform 224.

After receiving the deduction information, the back-end platform 224 determines whether the transaction information provided by the consumer platform MP is a valid transaction. If it is determined that the transaction information provided by the consumer platform MP is a valid transaction, the back-end platform 224 generates the deduction result information based on the bonus discount information, deduction information, and remaining bonus information. In one embodiment, the way for the back-end platform 224 to determine whether the transaction information provided by the consumer platform MP is a valid transaction includes: receiving the previous deduction information within a preset time interval before the back-end platform 224 receives the deduction information Under the condition of, determine whether the deduction information and the previous deduction information are the same amount of transactions for the same user; if not, the back-end platform 224 determines that the transaction information provided by the consumer platform MP is a valid transaction. In another embodiment, the way for the back-end platform 224 to determine whether the transaction information provided by the consumer platform MP is a valid transaction includes: determining whether there is any same client within a preset time interval before the back-end platform 224 receives the deduction information U2's unfinished transaction; if not, the back-end platform 224 determines that the transaction information provided by the consumer platform MP is a valid transaction.

After the back-end platform 224 determines that the transaction information provided by the consumer platform MP is a valid transaction, it then performs a consumer discount operation, deducts the transaction amount from the bonus balance used, and generates deduction result information based on it and transmits the deduction result information To the payment processing platform 240, the remaining bonus information is updated at the same time, and the remaining bonus information is sent to the service platform 222 for the service platform 222 to update the stored bonus balance. The payment processing platform 240 forwards the received deduction result information to the service platform 222, and then the service platform 222 according to the deduction The payment result returns the transaction result to the consumer platform MP. The deduction result information is sent to the payment processing platform 240, and the remaining bonus information is updated at the same time, and the remaining bonus information is sent to the service platform 222 for the service platform 222 to update the stored bonus balance. The payment processing platform 240 forwards the received deduction result information to the service platform 222, and then the service platform 222 returns the transaction result to the consumer platform MP according to the deduction result. In addition, the back-end platform 224 reports the transaction result to the user U2 through the service platform 222.

Although the present invention has been disclosed as above with examples, it is not intended to limit the present invention. Anyone who has ordinary knowledge in the technical field can make some changes and retouching without departing from the spirit and scope of the present invention. The scope of protection of this new model shall be subject to the scope defined in the appended patent application.

100‧‧‧ Cross-platform payment system

120‧‧‧Financial industry

122‧‧‧Service platform

124‧‧‧Back-end platform

130‧‧‧Payment processing platform

U1‧‧‧Client

Claims (8)

A cross-platform payment system, including: A financial industry, including a service platform and a back-end platform, the service platform is configured to receive a transaction information from a user terminal, and determine whether the transaction information is a valid transaction, and is determined that the transaction information is a valid transaction Under the conditions, a bonus discount information is generated according to the bonus discount selection setting of the client, and the back-end platform is configured to generate a deduction result information based on the bonus discount information, a deduction information, and a remaining bonus information; as well as A payment processing platform that communicates with the financial industry terminal, the payment processing platform is configured to receive the transaction information from the service platform and generate the deduction information accordingly, and receive the deduction result information from the back-end platform and transfer the Debit result information is sent to the service platform. The cross-platform payment system as described in item 1 of the patent application scope, in which the service platform determines whether the transaction information is a valid transaction includes: Under the condition that the service platform receives the previous transaction information within a preset time interval before receiving the transaction information, it is determined whether the transaction information and the previous transaction information are the same amount of transactions for the same user; if not, then the The service platform determines that the transaction information is a valid transaction. The cross-platform payment system as described in item 1 of the patent application scope, in which the service platform determines whether the transaction information is a valid transaction includes: Determine whether there is any outstanding transaction of the client within a preset time interval before the service platform receives the transaction information; if not, the service platform determines that the transaction information belongs to a valid transaction. The cross-platform payment system as described in item 1 of the patent application scope, wherein the back-end platform updates the remaining bonus information according to the bonus discount information and the deduction information, and then sends the remaining bonus information to the service platform . A cross-platform payment system, including: A financial industry, including a service platform and a back-end platform, the service platform is configured to receive a transaction information from a consumer platform, and generate a bonus discount information according to a user's bonus discount selection settings, wherein the transaction The information is generated by the consumer platform by reading a graphic barcode provided by the client, and the back-end platform is configured to determine whether the transaction information is a valid transaction, and under the condition that the transaction information is a valid transaction , Generate a deduction result information based on the dividend discount information, a deduction information, and a remaining dividend information; and A payment processing platform that communicates with the financial industry terminal, the payment processing platform is configured to receive the transaction information from the service platform and generate the deduction information accordingly, and receive the deduction result information from the back-end platform and transfer the Debit result information is sent to the service platform. The cross-platform payment system as described in item 5 of the patent application scope, where the back-end platform determines whether the transaction information is a valid transaction includes: Under the condition that the back-end platform receives the previous deduction information within a preset time interval before receiving the deduction information, it is determined whether the deduction information and the previous deduction information are the same amount transaction of the same user; If not, the back-end platform determines that the transaction information is a valid transaction. The cross-platform payment system as described in item 5 of the patent application scope, where the back-end platform determines whether the transaction information is a valid transaction includes: Determine whether there is any outstanding transaction of the client within a preset time interval before the back-end platform receives the debit information; if not, the back-end platform determines that the transaction information is a valid transaction. The cross-platform payment system as described in item 5 of the patent application scope, wherein the back-end platform updates the remaining bonus information according to the bonus discount information and the deduction information, and then sends the remaining bonus information to the service platform .

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