TWM632018U - Multi-person money collection service system - Google Patents

Abstract

A multi-person collection service system includes a multi-person collection service host and a bank account host. The multi-person collection service host generates a collection task identification data corresponding to a payee's bank account and a collection service invitation website including the collection task identification data. When a payer's electronic device is linked to the multi-person payment service host through the payment service invitation website, the multi-person payment service host receives a payer identification data from the payer's electronic device and generates a correspondence corresponding to the payer The identification data and the identification data of the collection task and the reconciliation code used by the payer to fill in a remark field when making payment. The multi-person collection service host inquires whether the bank account host stores a transaction record remitted to the payee's bank account and the remark field contains the reconciliation code.

Description

Multi-person collection service system

The new model relates to a collection system, in particular to a multi-person collection service system.

In group social activities, there is often a situation where multiple people receive and pay. For example, for a dinner party, one of the diners pays the meal fee to the restaurant in full, and the rest of the diners pay the meal fee to the rest of the diners. diners. After paying the meal substitute, the five codes after the transfer account should be provided for reconciliation by the meal substitute.

Manual reconciliation by the beneficiary using the five-digit number after the transfer out of the account is not only time-consuming but also prone to errors. How to develop a new multi-person payment collection service system to improve the convenience of payment collection and account reconciliation by the beneficiary is the subject to be further discussed in this new model.

Therefore, the purpose of the present invention is to provide a multi-person payment service system.

Therefore, the novel multi-person payment service system is suitable for communicating with a payee electronic device operated by a payee and a plurality of payer electronic devices respectively operated by a plurality of payers, and includes a multi-payer electronic device. A payment service host and a bank account host. The bank account host is electrically connected to the multi-person collection service host via a communication network.

When the multi-person payment service host receives a payment task establishment request from the payee's electronic device and corresponding to a payee's bank account, the multi-person payment service host generates a corresponding bank account of the payee The collection task identification data, and a collection service invitation URL including the collection task identification data, and transmit the collection service invitation URL to the payee electronic device for the payee electronic device to share with the payee Wait for the payer's electronic device.

When one of the payer electronic devices is linked to the multi-person payment service host through the payment service invitation website, the multi-person payment service host provides a payment service invitation page to the payer's electronic device, and the payee The payment service invitation page includes a payer identification field for the payer to fill in a payer identification information.

When the multi-person payment service host receives the payer identification data from the payer electronic device, the multi-person payment service host generates a reconciliation code corresponding to the payer identification data and the payment task identification data, And a reconciliation code notification page containing the reconciliation code is provided to the payer's electronic device, and the reconciliation code is used for the payer to fill in a remark field during payment.

When the multi-person payment service host receives a payment task progress query corresponding to the payee's bank account from the payee's electronic device, the multi-person payment service host will search for all accounts corresponding to the payee's bank account. For each of all reconciliation codes corresponding to the payment task identification data, query whether the bank accounting host stores a transaction record remitted to the payee's bank account and the remarks field contains the reconciliation code, and in When it is found out that the bank account host stores a transaction record that has been remitted to the payee's bank account and the remark field contains the reconciliation code, a receipt record corresponding to the reconciliation code is generated according to the transaction record , the payment record includes the identification data of the payer corresponding to the reconciliation code and an inward amount of the transaction record.

The multi-person payment service host transmits all payment records to the payee's electronic device for the payee's electronic device to display all the payment records.

In some implementation aspects, the multi-person payment collection service host generates the reconciliation code corresponding to the payer identification data and the payment task identification data in a random manner, and for the payee bank account number This reconciliation code is unique.

In some implementation aspects, the payment collection task establishment request includes a number of people who should pay, the multi-person collection service host makes the number of people who should be paid correspond to the payment task identification data, and the multi-person collection service host also according to all The collection record and the number of payables corresponding to each collection task identification data generate a paid number and an unpaid number of people corresponding to each collection task identification data, and transmit them to the payee electronic device for The payee's electronic device displays the paid number and the unpaid number of persons corresponding to each payment task identification data.

In some implementation aspects, the collection task creation request includes a deadline, and the multi-person collection service host makes the deadline correspond to the payment task identification data.

In some implementations, the payment record further includes an import date of the transaction record.

The effect of the present invention is that: the multi-person payment service host receives the payer identification data from the payer electronic device, and generates the payer identification data and the payment task identification data corresponding to the payer identification data and is used for the payment The reconciliation code in the remarks field is filled in by the recipient when making payment, and the bank account number stored in the bank account host is checked by the multi-person collection service host and the remarks field contains When there is a transaction record of the reconciliation code, generate a receipt record corresponding to the reconciliation code and including the payer identification data corresponding to the reconciliation code and the remitted amount of the transaction record according to the transaction record, Thereby, the convenience of collection and reconciliation of the beneficiary is improved.

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

Referring to FIG. 1 , an embodiment of the new multi-person payment service system 100 is suitable for working with a payee electronic device 200 operated by a payee and a plurality of payer electronic devices respectively operated by a plurality of payers 300 communication, and includes a multi-person collection service host 1 and a bank account host 2. The bank account host 2 is electrically connected to the multi-person payment service host 1 via a communication network.

The payee electronic device 200 is installed with a predetermined application program corresponding to the multi-person payment service host 1 and can cooperate with the multi-person payment service host 1 . The payee electronic device 200 is, for example, a smart phone or a tablet computer.

The payer electronic devices 300 do not need to install the predetermined application program corresponding to the multi-person payment service host 1, but only need to install a general web browser program. Each of the payer electronic devices 300 is, for example, a smart phone, a tablet computer, a laptop computer, or a desktop computer.

Referring to FIG. 1 and FIG. 2 , the following describes the steps of the novel multi-person payment collection service system 100 for executing a payment collection task establishment procedure. First, as shown in step S01, when the multi-person payment service host 1 receives a payment task establishment request from the payee's electronic device 200 and corresponding to a payee's bank account, the multi-person payment service host 1. Generate a collection task identification data corresponding to the payee's bank account, and a collection service invitation URL including the collection task identification data, and transmit the collection service invitation URL to the payee's electronic device 200 , for the electronic device 200 of the payee to share with the electronic devices 300 of the payer. The payee electronic device 200 shares the payment service invitation URL with the payer electronic devices 300, for example, through an instant messaging application, or provides the payer electronic device 300 with a QR Code corresponding to the payment service invitation URL. Scan to get the payment service invitation URL.

In this embodiment, the payment collection task establishment request includes a number of payables and a deadline, and the multi-person payment service host 1 makes the number of payables and the deadline correspond to the identification data of the payment task. The payment task establishment request may also include, for example, a payment reason.

Next, as shown in step S02, when one of the payer electronic devices 300 is linked to the multi-person payment service host 1 through the payment service invitation website, the multi-person payment service host 1 provides a payment service The invitation page is sent to the payer electronic device 300, and the payment service invitation page includes a payer identification information field for the payer to fill in a payer identification information (eg, the payer's name or nickname).

Next, as shown in step S03, when the multi-person payment service host 1 receives the payer identification data from the payer electronic device 300, the multi-person payment service host 1 generates a pair corresponding to the payer identification data and The reconciliation code of the payment task identification data, and a reconciliation code notification page containing the reconciliation code is provided to the payer's electronic device 300, and the reconciliation code is used for the payer to fill in a remark when making payment field.

In this embodiment, the multi-person payment service host 1 generates the reconciliation code corresponding to the payer identification data and the payment task identification data in a random manner, and for the payee's bank account number This reconciliation code is unique. That is, there will be no duplicate reconciliation codes for the same recipient bank account number.

Referring to FIG. 1 and FIG. 3 , the following describes the steps of executing a payment progress inquiry program in the novel multi-person payment service system 100 . First, as shown in step S11, when the multi-person payment service host 1 receives a payment task progress query corresponding to the payee's bank account number from the payee's electronic device 200, the multi-person payment service host 1 For each of all reconciliation codes corresponding to all payment task identification data corresponding to the payee's bank account number, inquire whether the bank account host 2 stores the remittance into the payee's bank account number and the remarks field A transaction record containing the reconciliation code, and when inquiring that the bank account host 2 stores a transaction record remitted to the payee's bank account and the remark field contains the reconciliation code, according to the transaction The record generates a receipt record corresponding to the reconciliation code, and the receipt record includes the payer identification data corresponding to the reconciliation code and an inward amount and an inward date of the transaction record.

In this embodiment, the multi-person payment service host 1 also generates a paid number of people corresponding to each payment task identification data according to all the payment records and the payable number corresponding to each payment task identification data and one outstanding person.

Next, as shown in step S12, the multi-person payment service host 1 transmits all payment records to the payee electronic device 200 for the payee electronic device 200 to display all the payment records.

In this embodiment, the multi-person payment service host 1 also transmits the paid number and the unpaid number to the payee electronic device 200 for the payee electronic device 200 to display the identification of each payment task The number of people who have paid and the number of people who have not paid corresponding to the data.

To sum up, the new multi-person payment service system 100 receives the payer identification data from the payer electronic device 300 through the multi-person payment service host 1, and generates the payer identification data and the payee corresponding to the payer identification data. The payment task identification data is used for the payer to fill in the reconciliation code in the remarks field when making payment, and the multi-person collection service host 1 finds out that the bank account host 2 stores the remittance When the bank account number of the payee and the remarks field contains a transaction record of the reconciliation code, a transaction record corresponding to the reconciliation code and including the payer identification data and the reconciliation code corresponding to the reconciliation code is generated according to the transaction record. The receipt record of the remitted amount in the transaction record improves the convenience of the recipient and the reconciliation, so it can indeed achieve the purpose of this new model.

However, the above are only examples of the present invention, which should not limit the scope of implementation of the present invention. Any simple equivalent changes and modifications made according to the scope of the patent application for this new model and the contents of the patent specification are still within the scope of the present invention. within the scope of this patent.

100: Multi-person collection service system 1: Multi-person collection service host 2: Bank account host 200: Payee electronic device 300: Payer Electronic Device S01~S03: Steps S11~S12: Steps

Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, wherein: 1 is a schematic diagram of a hardware connection relationship of an embodiment of the novel multi-person payment service system; Fig. 2 is a flow chart of this embodiment, illustrating a collection task establishment procedure; and FIG. 3 is another flow chart of the embodiment, illustrating a payment progress inquiry procedure.

100: Multi-person collection service system

1: Multi-person collection service host

2: Bank account host

200: Payee electronic device

300: Payer Electronic Device

Claims (5)

A multi-person payment service system, suitable for communicating with a payee electronic device operated by a payee and a plurality of payer electronic devices respectively operated by a plurality of payers, and comprising: One multi-person collection service host; and a bank account host, electrically connected to the multi-person collection service host via a communication network; When the multi-person payment service host receives a payment task establishment request from the payee's electronic device and corresponding to a payee's bank account, the multi-person payment service host generates a corresponding bank account of the payee The collection task identification data, and a collection service invitation URL including the collection task identification data, and transmit the collection service invitation URL to the payee electronic device for the payee electronic device to share with the payee and other electronic devices of the payer; When one of the payer electronic devices is linked to the multi-person payment service host through the payment service invitation website, the multi-person payment service host provides a payment service invitation page to the payer's electronic device, and the payee The payment service invitation page includes a payer identification information field for the payer to fill in a payer identification information; When the multi-person payment service host receives the payer identification data from the payer electronic device, the multi-person payment service host generates a reconciliation code corresponding to the payer identification data and the payment task identification data, and provide a reconciliation code notification page containing the reconciliation code to the payer's electronic device, and the reconciliation code is used for the payer to fill in a remarks field during payment; When the multi-person payment service host receives a payment task progress query corresponding to the payee's bank account from the payee's electronic device, the multi-person payment service host will search for all accounts corresponding to the payee's bank account. For each of all reconciliation codes corresponding to the payment task identification data, query whether the bank accounting host stores a transaction record remitted to the payee's bank account and the remarks field contains the reconciliation code, and in When it is found out that the bank account host stores a transaction record that has been remitted to the payee's bank account and the remark field contains the reconciliation code, a receipt record corresponding to the reconciliation code is generated according to the transaction record , the receipt record includes the payer identification information corresponding to the reconciliation code and an inward amount of the transaction record; The multi-person payment service host transmits all payment records to the payee's electronic device for the payee's electronic device to display all the payment records. The multi-person payment service system according to claim 1, wherein the multi-person payment service host generates the reconciliation code corresponding to the payer identification data and the payment task identification data in a random manner, and This reconciliation code is unique to the recipient's bank account number. The multi-person payment collection service system according to claim 1, wherein the collection task establishment request includes a number of payables, the multi-person collection service host makes the number of payables correspond to the collection task identification data, and the The multi-person payment service host also generates a paid number and an unpaid number corresponding to each payment task identification data according to all the payment records and the payable number corresponding to each payment task identification data, and transmits them To the payee's electronic device, for the payee's electronic device to display the paid number and the unpaid number of persons corresponding to each payment task identification data. The multi-person collection service system according to claim 1, wherein the collection task establishment request includes a deadline, and the multi-person collection service host makes the deadline correspond to the collection task identification data. The multi-person payment collection service system according to claim 1, wherein the payment record further includes an import date of the transaction record.

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