TWM673035U - Digital payment system dedicated to trust services - Google Patents

Abstract

A trust-based digital payment system includes a communication unit, a storage unit, and a processing unit that communicates with a user terminal device and a merchant terminal device through the communication unit; the processing unit provides a mobile payment credit to the user on time according to the agreement between the trust operator and the principal, records the mobile payment credit in the storage unit, and displays the mobile payment credit on the user terminal device; the processing unit receives a message from the user terminal device or the merchant terminal device containing the user's user identification information, the merchant's merchant identification information, and a transaction When a transaction amount is received, the processing unit deducts the transaction amount contained in the transaction information from the mobile payment limit recorded in the storage unit based on the user identification information contained in the transaction information, and causes the user terminal device to display the updated mobile payment limit; the processing unit transfers the funds corresponding to the transaction amount to the designated merchant account based on the merchant identification information contained in the transaction information; and the processing unit transfers the funds corresponding to the transaction amount from the trust account of the trust operator to the designated receiving account based on the transaction amount contained in the transaction information.

Description

Trust-specific digital payment system

This invention relates to a digital payment system, and more particularly to a trust-only digital payment system that uses a trust account as a consumer debit account.

There are two common methods for utilizing trust assets. One is to transfer payment funds according to the user's payment instructions. The principal must notify the trustee (e.g., a trust company) to transfer the payment funds according to the user's payment instructions. The other is to transfer payment funds to a deposit account in the same currency at a financial institution provided by the principal to the user or the designated institution. Cash payments are not permitted. Therefore, additional payment instructions or designated institutions must be agreed upon in advance with the trustee through a contract. This approach makes the use of trust assets inflexible and increases operational costs. Furthermore, the above approach cannot support users to conduct transactions via mobile payments. Users can only make payments themselves after cash transactions or credit card transactions. This not only easily leads to other risks, but is also not user-friendly for trust assets.

Therefore, the purpose of this new technology is to provide a trust-specific digital payment system that at least solves the problems of the above-mentioned prior art, allowing users of trust assets to use digital payment methods for consumption, thereby increasing the diversification of the use of trust assets.

Therefore, the present invention provides a new type of trust-based dedicated digital payment system, which can communicate with a user's user terminal device and a merchant's merchant terminal device, and mainly includes a communication unit, a storage unit, and a processing unit; the communication unit can establish a communication channel with the user terminal device and the merchant terminal device; the processing unit is electrically connected to the communication unit and the storage unit to communicate with the user terminal device and the merchant terminal device through the communication unit and access the storage unit.

The processing unit provides a mobile payment credit to the user on time and records the mobile payment credit in the storage unit according to an agreement between a trust operator and a principal. The processing unit also causes a mobile payment application on the user's terminal device to display the mobile payment credit.

When the processing unit receives transaction information including user identification information of the user, merchant identification information of the merchant, and a transaction amount from the user terminal device or the merchant terminal device, the processing unit deducts the transaction amount from the mobile payment limit of the user recorded in the storage unit based on the user identification information included in the transaction information, and causes the mobile payment application to display the updated mobile payment limit; wherein the transaction information is generated by the mobile payment application of the user terminal device scanning a merchant payment code provided by the merchant terminal device, or by the merchant terminal device scanning a user payment code displayed by the mobile payment application of the user terminal device.

The processing unit transfers an item corresponding to the transaction amount to a merchant account designated by the merchant according to the merchant identification information included in the transaction information.

The processing unit transfers the amount corresponding to the transaction amount from a trust account designated by the trust operator to a receiving account according to the transaction amount included in the transaction information.

In some embodiments of the present invention, after the processing unit deducts the transaction amount from the user's mobile payment credit, it also sends a transaction success message to the mobile payment application of the user's terminal device and the merchant's terminal device.

In some implementations of the present invention, when the processing unit determines that the mobile payment credit has not been used up when a preset usage period expires, the mobile payment credit is reset to zero.

In some embodiments of the present invention, the processing unit generates and provides the merchant payment code to the merchant or requires the merchant terminal device to provide the merchant payment code that can be scanned by the mobile payment application; the user payment code is generated by the processing unit and provided to the mobile payment application or generated by the mobile payment application.

In some embodiments of the present invention, the processing unit receives the transaction information and, based on a merchant name included in the merchant identification information contained in the transaction information, confirms that the merchant name is one of a plurality of merchant names contained in a merchant whitelist stored in the storage unit. Only then does the processing unit accept the transaction information and, based on the user identification information contained in the transaction information, deduct the transaction amount from the mobile payment limit of the user recorded in the storage unit.

The utility of this new technology lies in that, through the trust-specific digital payment system, the user can use the mobile payment credit pre-agreed upon by the trust operator and the principal to make digital payments at specific stores through the user's terminal device. This solves the problem of existing digital payment mechanisms requiring the digital payment user and the owner of the digital payment debit account to be the same person.

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

Referring to FIG. 1 , an embodiment of the novel trust-based digital payment system is shown, which implements the trust-based consumer deduction and digital payment process steps shown in FIG. The trust-based digital payment system 3 is provided by a financial institution (e.g., a bank) and is a computer device installed on a network as a digital payment server (digital payment platform). It can communicate with a user terminal device 1 of a user and a merchant terminal device 2 of a merchant via, for example, the internet. In practice, the trust-based digital payment system 3 can simultaneously communicate with the user terminal devices 1 of multiple users and the merchant terminal devices 2 of multiple merchants. However, for ease of explanation, FIG. 2 and the following text illustrate only one user terminal device 1 and one merchant terminal device 2.

The user terminal device 1 is held by the user and mainly refers to but is not limited to a smartphone or a mobile communication device with similar functions. The user terminal device 1 is installed with a mobile payment application (hereinafter referred to as the mobile payment APP) and interacts with the trust-specific digital payment system 3 through the mobile payment APP. The merchant terminal device 2 is provided at the merchant and may be, but is not limited to, a desktop personal computer, a notebook computer, a tablet computer or a smartphone with an Internet connection function, such as a payment collection system (such as a POS system), and the merchant terminal device 2 interacts with the trust-specific digital payment system 3 through the payment collection system.

As shown in Figure 1, the trust-based digital payment system 3 primarily comprises a communication unit 31, a storage unit 32, and a processing unit 33. The communication unit 31 is a communication interface (e.g., a network card) that can establish a communication channel by connecting to the user terminal device 1 and the merchant terminal device 2 via, for example, the Internet. The storage unit 32 is a general term for a computer-readable recording medium (e.g., a memory module, a hard drive, etc.) used to store data.

The processing unit 33 is a processor with computing capabilities, such as a central processing unit (CPU). It is electrically connected to the communication unit 31 and the storage unit 32 to communicate with the user terminal device 1 and the merchant terminal device 2 via the communication unit 31 and access the storage unit 32. The processing unit 33 implements the method flow shown in FIG. 1 by loading and executing a software program stored on a computer-readable recording medium (e.g., the storage unit 32).

Thus, when the processing unit 33 executes the software program, as shown in step S1 of Figure 2, the processing unit 33 provides a "trust payment benefit amount" (hereinafter referred to as a mobile payment amount) (for example, NT$50,000) belonging to the user (which may be the principal himself or the beneficiary) on time (for example, every month) according to an agreement between a trust operator and a principal, and records the mobile payment amount in the storage unit 32. In addition, the processing unit 33 displays the mobile payment amount when the mobile payment APP of the user terminal device 1 is opened, so that the user can check how much mobile payment amount he has available at any time.

In addition, in this embodiment, the storage unit 32 stores a merchant whitelist, which includes a plurality of merchant names. The merchants corresponding to these merchant names (special merchants) are stores or medical institutions, etc. that have been jointly agreed upon in advance between the financial institution and the trust operator. That is, the merchant whitelist restricts the user to making digital payments only at the merchants listed in the merchant whitelist, thereby ensuring the user's consumption security. In this embodiment, the merchant name of the merchant is one of the merchant names included in the merchant whitelist.

Furthermore, the processing unit 33 will generate a merchant payment code that can be scanned and decoded by the mobile payment APP of the user terminal device 1 in advance based on the merchant identification information of the merchant, and provide the merchant payment code to the merchant for use; alternatively, the merchant terminal device 2 may also generate the merchant payment code that can be scanned and decoded by the mobile payment APP of the user terminal device 1 based on the merchant identification information; and the processing unit 33 will generate a user payment code corresponding to the user based on the user identification information of the user, and provide the user payment code to the mobile payment APP; alternatively, the mobile payment APP may also generate the user payment code based on the user identification information of the user.

Thus, when the user needs to pay a transaction amount when consuming at the store, the user can open the mobile payment APP of the user terminal device 1 and scan the merchant payment code provided by the payment system of the merchant terminal device 2 (or the merchant payment code printed on a physical object by the merchant) to obtain the merchant identification information from the merchant payment code. After the mobile payment APP accepts the transaction amount input by the user, it generates a transaction information including the merchant identification information, the transaction amount and the user identification information, and transmits it to the communication unit 31. The transaction information is transmitted to the processing unit 33; alternatively, the payment system of the merchant terminal device 2 may scan the user payment code displayed by the mobile payment app of the user terminal device 1 to obtain the user identification information from the user payment code, and the payment system of the merchant terminal device 2 includes the transaction amount, the merchant identification information, and the user identification information in the transaction information, and transmits the transaction information to the processing unit 33 via the communication unit 31; in addition, the transaction information may also include the name and quantity of a transaction product.

Next, as shown in step S2 of FIG2 , when the processing unit 33 receives the transaction information from the user terminal device 1 or the merchant terminal device 2, the processing unit 33 first confirms that the merchant name included in the merchant identification information contained in the transaction information is one of the merchant names in the merchant whitelist stored in the storage unit 32. Only then does the processing unit 33 accept the transaction information and process the transaction information according to the merchant name included in the transaction information. The processing unit 33 uses the user identification information to deduct the transaction amount from the user's mobile payment limit recorded in the storage unit 32, and causes the mobile payment app to display the updated mobile payment limit (i.e., the mobile payment limit remaining after deducting the transaction amount). At the same time, the processing unit 33 transmits a transaction success message to the mobile payment app on the user terminal device 1 and the merchant terminal device 2 to notify the user and the merchant that the transaction has been completed.

It is worth mentioning that in other implementations, the above-mentioned merchant whitelist can also be omitted, that is, the merchant that does not restrict the user's consumption must be one of the merchants listed in the merchant whitelist. In this case, in the above-mentioned step S2, when the processing unit 33 receives the transaction information, it can omit the action of confirming whether the merchant is one of the merchants in the merchant whitelist.

Thereafter, as shown in step S3 of FIG2 , when the merchant requests payment in batches from the trust-based dedicated digital payment system 3 via the merchant terminal device 2 , the processing unit 33 transfers the items corresponding to the transaction amount to a merchant account designated by the merchant based on the merchant identification information included in the transaction information.

As shown in step S4 of FIG. 2 , the processing unit 33 may transfer the amount corresponding to the transaction amount from a trust account designated by the trust operator to a receiving account designated by the financial institution based on the transaction amount included in the transaction information on a date agreed upon between the financial institution and the trust operator (e.g., today or a specific date).

In addition, when the processing unit 33 determines that the mobile payment quota has not been used up when a preset usage period expires, the mobile payment quota will be reset to zero and the mobile payment quota belonging to the user will be provided to the user again on time for use; alternatively, the processing unit 33 may not reset the mobile payment quota to zero and provide the mobile payment quota belonging to the user again on time for use. In this case, the mobile payment quota may accumulate gradually and continue to increase.

In summary, this embodiment allows the user to use the mobile payment credit pre-agreed upon by the trustee and the principal to make digital payments at specific stores using the user terminal device 1, thereby resolving the issue of the user having to wait for the trustee (trustee) to transfer funds before making any purchases. In addition, existing digital payment mechanisms require that the user of digital payment and the owner of the digital payment debit account must be the same person. However, this embodiment allows the user of digital payment and the owner of the debit account (trust account) to be different people, thereby resolving the problem that the beneficiary of the trust account (the user) cannot use the trust account as a debit account for digital payment, and therefore cannot make purchases through digital payment. It also solves the problem that the existing digital payment mechanism cannot apply (support) the use of a trust account as a debit account, and truly achieves the efficacy and purpose of this new model.

Furthermore, the present invention also has the following advantages:

1. This dedicated trust digital payment system3 facilitates channel sharing and fund interoperability, meeting the convenient payment needs of users or clients.

2. By connecting to contracted stores through the trust-specific digital payment system 3, users can choose from a wider range of suitable contracted stores, rather than being limited to contracted institutions with the trust operator.

3. This trust-specific digital payment system3 can improve the efficiency of overall fund settlement and payment operations in the trust market.

4. Through this trust-specific digital payment system3, users of trust account assets can directly make digital payments using a pre-agreed "trust payment entitlement limit" (i.e., the aforementioned mobile payment limit). Trust account settlements can be performed within an agreed-upon period, ensuring the purpose and recipient of payments and ensuring that settled funds are not misappropriated (trust purpose).

5. This trust-specific digital payment system3 resolves the issue of the trust (general) account being a single number assigned to the settlor, preventing users of the trust property from using the trust (general) account for mobile payments.

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

1: User terminal device 2: Merchant terminal device 3: Trust-specific digital payment system 31: Communication unit 32: Storage unit 33: Processing unit S1~S4: Steps

Other features and functions of the present invention will be clearly shown in the implementation method of the reference drawings, in which: Figure 1 is a block diagram of the main components included in an embodiment of the new trust-based digital payment system; and Figure 2 is the main process steps of implementing trust-based consumer deductions and digital payments in this embodiment.

1: User terminal device

2: Merchant terminal device

3: Trust-only digital payment system

31: Communication unit

32: Storage unit

33: Processing unit

Claims (4)

A trust-based digital payment system capable of communicating with a user terminal device of a user and a merchant terminal device of a merchant, and comprising: a communication unit capable of establishing a communication channel with the user terminal device and the merchant terminal device; a storage unit; and a processing unit electrically connected to the communication unit and the storage unit to communicate with the user terminal device and the merchant terminal device through the communication unit and access the storage unit. wherein the processing unit provides a mobile payment credit to the user on time and records the mobile payment credit in the storage unit according to an agreement between a trust operator and a principal, and the processing unit causes a mobile payment application of the user terminal device to display the mobile payment credit; the processing unit receives a message from the user terminal device or the merchant terminal device containing a user identification information of the user, a merchant identification information of the merchant, When the processing unit receives transaction information including a transaction amount, the processing unit deducts the transaction amount from the mobile payment limit of the user recorded in the storage unit according to the user identification information included in the transaction information, and causes the mobile payment application to display the updated mobile payment limit; wherein the transaction information is generated by the mobile payment application of the user terminal device scanning a merchant payment code provided by the merchant terminal device or the merchant terminal device The merchant terminal device generates a user payment code displayed by the mobile payment application of the user terminal device by scanning the user payment code; the processing unit transfers an amount corresponding to the transaction amount to a merchant account designated by the merchant based on the merchant identification information included in the transaction information; and the processing unit transfers the amount corresponding to the transaction amount from a trust account designated by the trust operator to a receiving account based on the transaction amount included in the transaction information. The trusted dedicated digital payment system as described in claim 1, wherein, after the processing unit deducts the transaction amount from the user's mobile payment quota, it also sends a transaction success message to the mobile payment application of the user's terminal device and the merchant's terminal device. The trust-based digital payment system as described in claim 1, wherein the processing unit resets the mobile payment amount to zero when it determines that the mobile payment amount has not been used up when a preset usage period expires. A trusted, dedicated digital payment system as described in claim 1, wherein the processing unit generates and provides the merchant payment code to the merchant or requires the merchant terminal device to provide the merchant payment code that can be scanned by the mobile payment application; the user payment code is generated by the processing unit and provided to the mobile payment application or generated by the mobile payment application; the processing unit receives the transaction information and, based on a merchant name included in the merchant identification information contained in the transaction information, confirms that the merchant name is one of a plurality of merchant names contained in a merchant whitelist stored in the storage unit, only then does the processing unit accept the transaction information and, based on the user identification information contained in the transaction information, deduct the transaction amount from the mobile payment limit of the user recorded in the storage unit.