TWM609751U - System for digitizing payment method - Google Patents

Abstract

This creation provides a system for digitizing payment tools. The user can apply for a financial account on the financial server through the first electronic device, and generate the electronic wallet account and the first electronic wallet password through the electronic wallet server to the first Electronic device, so the user can conduct transactions on the consumer business platform based on the e-wallet account and the first e-wallet password, and enjoy the convenience of obtaining an e-wallet account and making payments in real time. At the same time, the e-wallet account can also be used for cross-border consumption demand.

Description

Digital payment system

This creation is about a system of digitalization of payment tools.

According to survey data, Taiwan has reached 17.1 million people going abroad in 2019, and the statistics of Taiwan's cross-border online shopping in 2018 by the Institute of Information Technology (MIC) survey shows that more than 50% of netizens have cross-border shopping and cross-border shopping. Websites include Rakuten, Amazon, eBay, Taobao, Tmall, etc., and the annual consumption of NT$12,125 on these cross-border websites, accounting for nearly 40% of the total online shopping expenditure, of which 26-40 years old is the main ethnic group.

Moreover, according to the Statistics Department of the Ministry of Economic Affairs, the e-shopping industry has grown at an annual rate of 4.8% due to the rapid growth of the online shopping market in recent years, and has been growing positively for 11 consecutive years. The average annual growth of turnover is 7.4%, which is better than the overall retail sales. 1.9% in the retail industry and 5.6% in the retail industry without a storefront. Coupled with the improvement of mobile applications, the payment method is quite simple, which also greatly increases consumers' willingness to spend on online shopping.

Online shopping is one of the forms of e-commerce transactions. Consumers use web browsers to purchase the goods or services they need on the Internet, and are not restricted by time and place. Therefore, they only need to operate on mobile devices or computers. Click on the item you want to buy on the webpage and check out via plastic currency payment or mobile payment or cash on delivery to enjoy the delivery service. However, for cross-border shopping, a credit card or signature combined with an international card organization is required Only account financial cards can be used for cross-border consumption.

However, financial institutions that are familiar with card issuance and international card organizations must go through the processes of physical card production, card verification, card mailing and consumers. The card production cost is high and time-consuming, and there is also the risk of fraudulent collection or loss during the card mailing process. If current consumers apply for a debit card with an existing account, they must go to the card issuing bank to apply for it at the counter, and only a few card issuing banks (in designated channels) can apply for it immediately, and most of them still have a waiting period for card production and cannot provide Consumers’ most immediate financial services have caused service gaps and inconveniences.

Based on the above content, it can be known that this creation is to provide a system for digitizing payment tools, providing users with electronic devices to apply for a financial account on a financial server. After the financial server performs identity verification, the electronic wallet server is used to produce electronic products. Wallet account, which uses an existing financial account to apply online for a charge card combined with an international card organization for consumers to conduct induction or scan code payment at domestic and foreign designated stores.

One purpose of this creation is to provide a payment tool digitization system, which uses the payment tool digitization method to send identification information to the electronic wallet server through the financial server after applying for a financial account at the financial server to produce electronic products. Wallet account and e-wallet passwords allow the user to conduct transactions on the consumer business platform based on the e-wallet account and e-wallet password. Through this service, consumers do not need to obtain a physical card and then perform the cash flow service, and can obtain digital payments in real time Vehicles can be used for transfer, payment, tax payment, consumer shopping in domestic/overseas special stores, and enjoy the convenience of mobile payment and instant payment. At the same time, it can be applied to meet the different needs of consumers in cross-border areas or preferential activities, thereby increasing consumption Convenience of using existing financial accounts for payment.

Aiming at one of the above-mentioned purposes, this creation provides a system for digitizing payment tools, which includes: a first electronic device for use by a user; a financial server, and the first electronic device Device connection; and an electronic wallet server respectively connected with the first electronic device and the financial server; wherein, the user terminal uses the first electronic device to apply for a financial account on the financial server, and the financial server The server sends one of the identification information corresponding to the client to the electronic wallet server, the financial server corresponds to the electronic wallet server, and the electronic wallet server generates an electronic wallet account and an electronic wallet password according to the identification information, And it is transmitted to the electronic device, and the user terminal uses the electronic wallet account and the electronic wallet password to perform transactions on a consumer business platform; wherein, one of the financial accounts of the financial account corresponds to one of the electronic wallet accounts.

The present invention provides an embodiment that further includes a second electronic device, wherein the user terminal uses the second electronic device to input the electronic wallet account and the first electronic wallet password in the electronic wallet server for the consumer business The platform conducts transactions.

The present invention provides an embodiment that further includes a third electronic device, wherein the user terminal uses the third electronic device to input the identification information and the electronic wallet account into the electronic wallet server, and the electronic wallet server according to the identification The information and the electronic wallet account generate a second electronic wallet password and send it to the electronic device. The user terminal uses the electronic wallet account and the second electronic wallet password to perform transactions on the consumer commerce platform.

This creation provides an embodiment in which the e-wallet account has an account number and an effective date.

1: The first electronic device

2: Financial server

3: Electronic wallet server

4: The second electronic device

5: The third electronic device

S: Consumer business platform

S1-S7: steps

The first figure: it is a flow chart of the method of an embodiment of the creation; the second figure: it is a schematic diagram of the system of an embodiment of the creation; The third figure: it is the method flow chart of another embodiment of creation; the fourth figure: it is the system schematic diagram of another embodiment of creation; the fifth figure: it is the method of another embodiment of creation Flow chart; and the sixth figure: it is a schematic diagram of the system of another embodiment of this creation.

In order to enable your reviewer to have a further understanding and understanding of the features of this creation and the effects achieved, I would like to provide a better embodiment and detailed explanations. The explanation is as follows: the combination of the issuance of conventional financial institutions and the international card organization Charging cards must go through the processes of physical card production, verification cards, mailing cards, and consumers. The card production is costly and time-consuming, and there is also the risk of fraudulent collection or loss during the card mailing process. If current consumers apply for a debit card with an existing account, they must go to the card issuing bank to do it at the counter, and only a few card issuing banks can receive it immediately at the designated channel. Most of them still have a waiting period for the card production and cannot provide consumers. The most immediate financial services.

In the following, various embodiments of the present creation will be described in detail by illustrating various embodiments of the present creation through drawings. However, the concept of this creation may be embodied in many different forms, and should not be construed as being limited to the exemplary embodiments described herein.

First of all, please refer to the first figure, which is a flowchart of a method according to an embodiment of the creation. As shown in the figure, it is a method of digitizing a payment tool. The steps include: Step S1: A user terminal uses a first electronic device to apply for a financial account on a financial server; Step S3: The financial server sends Corresponding to one of the identification information of the client to an electronic wallet server, the financial server corresponds to the electronic wallet server; Step S5: The electronic wallet server generates an electronic wallet account and a first electronic wallet password according to the identification information, and transmits them to the electronic device; Step S7: The user terminal uses the electronic wallet account and the first electronic wallet The password is traded on a consumer commerce platform.

Please also refer to the second figure, which is a system schematic diagram of an embodiment of the creation. As shown in the figure, it is a system for digitizing payment tools, which includes a first electronic device 1, a financial server 2, and an electronic wallet server 3. The first electronic device 1 is used by the user; the financial server 2 It is connected to the first electronic device 1 via the Internet, so that the user can apply for a financial account on the financial server 2 through the first electronic device 1; the electronic wallet server 3 is connected to the first electronic device 1 and the financial server 2 respectively , And send the identification information corresponding to the user end to the electronic wallet server 3 through the financial server 2, and the electronic wallet server 3 generates the electronic wallet account and the electronic wallet password, and executes the payment tool digital by the payment tool digitization system The methods of transformation are as follows.

As shown in step S1, in this embodiment, the user terminal uses the first electronic device 1 to connect to the financial server 2 to apply for a financial account. The first electronic device 1 includes, but is not limited to, a smart phone, a personal computer, a tablet, or Notebook computer.

As shown in step S3, the financial server 2 transmits the identification information corresponding to the user to the electronic wallet server 3, and the financial server 2 corresponds to the electronic wallet server 3. The identification information includes but is not limited to the user's ID card number, Date of birth and the financial account of the corresponding financial server.

As shown in step S5, the electronic wallet server 3 generates an electronic wallet account and a first electronic wallet password according to the identification information, and transmits them to the first electronic device 1, where the electronic wallet account is the transaction finance of the financial account corresponding to the identification information Account, with account number and expiration date, its debit financial card is combined with international card organization, and can be used for domestic/outside shopping, and the form of the first e-wallet password Including but not limited to passwords or other verification methods provided by the e-wallet that are sufficient to identify personal data, such as fingerprint recognition.

As shown in step S7, the user uses the e-wallet account and the first e-wallet password to make a transaction payment via the first electronic device 1 on the consumer commerce platform S, where the financial amount of the financial account corresponds to the e-wallet amount of the e-wallet account, meaning That is, the e-wallet account is a transaction financial account.

Refer to the third and fourth figures, which are the method flowchart and system schematic diagram of another embodiment of the creation, as shown in the figure. This creation further includes the second electronic device 4, and further includes the steps after step S5:

Step S51: The user uses a second electronic device to input the electronic wallet account and the first electronic wallet password on the electronic wallet server to perform transactions on the consumer commerce platform.

As shown in step S51, the user side can further use the second electronic device 4 to enter the electronic wallet account and the first electronic wallet password on the electronic wallet server 3, and perform transactions on the consumer commerce platform S, which means that the user can Use different electronic devices, and enter the acquired electronic wallet account and the first electronic wallet password in the electronic wallet server 3 through the electronic device, and conduct transactions in the consumer commerce platform S through different electronic devices, where the second electronic device 4 includes But it is not limited to smartphones, personal computers, tablets or notebooks.

Refer to the fifth and sixth figures, which are the method flowchart and system schematic diagram of another embodiment of the creation, as shown in the figure. The creation further includes the third electronic device 5, and further includes the steps after step S5:

Step S52: The user terminal uses a third electronic device to input the identification information and the electronic wallet account into the electronic wallet server.

Step S54: The electronic wallet server generates a second electronic wallet password according to the identification information and the electronic wallet account, and transmits it to the electronic device.

Step S56: The user terminal uses the electronic wallet account and the second electronic wallet password to perform transactions on the consumer commerce platform.

As shown in step S52, the user terminal can further use the third electronic device 5 to input identification information and the electronic wallet account on the electronic wallet server 3. In this embodiment, when the user terminal loses the first electronic wallet password or wants to change the first electronic wallet password When an electronic wallet password or an electronic device is lost, the identification information and the electronic wallet account need to be input through another electronic device, namely the third electronic device 5. The third electronic device 5 includes, but is not limited to, a smart phone, a personal computer, and a tablet Computer or laptop.

As shown in step S54, the electronic wallet server 3 generates a second electronic wallet password based on the identification information input by the user terminal and the electronic wallet account, and transmits it to the third electronic device 5.

As shown in step S56, the user can use the electronic wallet account and the second electronic wallet password to perform transactions on the consumer commerce platform via the third electronic device.

In the above-mentioned embodiments, this creation provides a system for digitizing payment tools. The user can apply for a financial account at the financial server through the first electronic device, and generate an electronic wallet account and a first electronic wallet through the electronic wallet server After the password is sent to the first electronic device, the user can perform transactions on the consumer business platform based on the electronic wallet account and the first electronic wallet password. The user can directly obtain the electronic wallet account through this creation without having to obtain a physical card. Conduct transactions, reduce the time and cost of nuclear cards and issuance, and improve the efficiency of financial institutions.

Therefore, this creation is really novel, progressive, and available for industrial use. It should meet the patent application requirements of my country's patent law. Undoubtedly, Yan filed a new patent application in accordance with the law. I pray that the Bureau will grant the patent as soon as possible.

However, the above are only the preferred embodiments of this creation, and are not used to limit the scope of implementation of this creation. For example, the equivalent changes and modifications of the shape, structure, characteristics and spirit described in the scope of the patent application for this creation are made. , Should be included in the scope of patent application for this creation.

1: The first electronic device

2: Financial server

3: Electronic wallet server

S: Consumer business platform

Claims (5)

A system for the digitization of payment tools, comprising: a first electronic device for use by a user; a financial server connected to the first electronic device; and an electronic wallet server connected to the first electronic device, respectively The first electronic device is connected to the financial server; wherein, the user terminal uses the first electronic device to apply for a financial account on the financial server, and the financial server sends identification information corresponding to the user terminal to the electronic The wallet server, the financial server corresponds to the electronic wallet server, the electronic wallet server generates an electronic wallet account and an electronic wallet password according to the identification information, and sends them to the first electronic device, which is used by the user The electronic wallet account and the electronic wallet password are traded on a consumer commerce platform; wherein one of the financial account numbers corresponds to one of the electronic wallet accounts. The system for digitizing a payment tool according to claim 1, further comprising a second electronic device, wherein the user terminal uses the second electronic device to input the electronic wallet account and the first electronic wallet on the electronic wallet server Password to conduct transactions on the consumer commerce platform. The system for digitizing payment tools as described in claim 1, further comprising a third electronic device, wherein the user terminal uses the third electronic device to input the identification information and the electronic wallet account into the electronic wallet server, the The e-wallet server The identification information and the electronic wallet account generate a second electronic wallet password and send it to the third electronic device. The user terminal uses the electronic wallet account and the second electronic wallet password to perform transactions on the consumer commerce platform. The system for digitizing payment tools according to claim 3, wherein the first electronic device, the second electronic device, and the third electronic device are a smart phone, a personal computer, a tablet computer, or a notebook computer. The system for digitizing payment tools as described in claim 1, wherein the e-wallet account has an account number and an effective date.

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