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TWI785093B - Payment system and method thereof - Google Patents

Payment system and method thereof Download PDF

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TWI785093B
TWI785093B TW107128216A TW107128216A TWI785093B TW I785093 B TWI785093 B TW I785093B TW 107128216 A TW107128216 A TW 107128216A TW 107128216 A TW107128216 A TW 107128216A TW I785093 B TWI785093 B TW I785093B
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payment
information
interface
server
accounting
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TW107128216A
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TW202009835A (en
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杜建宏
廖家霈
蕭名翊
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全家便利商店股份有限公司
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Abstract

The present disclosure provides a payment device. The electronic device includes an output interface, an acquiring interface, a paying interface and a transmitting interface. The acquiring interface can read the identified tag generated by an operating device, which the identified tag has a paying message and an amount of money corresponding to the paying message. The paying interface can receive a transfer instruction corresponding to the amount of money so as to output an accounting message. The transmitting interface can transmit the accounting message to an accounting server, which the accounting server determines whether transferring the amount of money successes or not in order to generate an update instruction. The transmitting interface can receive the update instruction and the output interface can output a feedback message according to the update instruction.

Description

繳費系統及其方法 Payment system and method thereof

本揭示文件係有關於一種繳費方法,並且係進一步有關於使用繳費裝置來繳費的方法。 The present disclosure relates to a method of paying fees, and further relates to a method of paying fees using a payment device.

基於網路時代的來臨,消費者透過網路來進行購物服務的現象大幅提升。舉例來說,消費者經由網路購物平台下單之後,可選擇貨物的寄送地址,或是選擇由便利超商先行代收貨物,再由消費者前往付款取貨。由於消費者至便利超商付款機制係使用現金來完成,同時,便利超商將代收到的款項再行交付給廠商的機制亦沒有具可信度的帳務記錄,所有的帳務流資訊均為人工方式來記錄。 Based on the advent of the Internet age, the phenomenon of consumers shopping through the Internet has increased significantly. For example, after placing an order through an online shopping platform, consumers can choose the delivery address of the goods, or choose to have the convenience store collect the goods first, and then the consumers go to pay and pick up the goods. Since the payment mechanism of consumers to Convenience Supermarkets is completed in cash, and at the same time, Convenience Supermarkets does not have a credible accounting record for the mechanism that Convenience Supermarkets re-delivers the funds received on behalf of the manufacturer, all account flow information are recorded manually.

由於人工方式產生帳務流的機制,往往會造成錯誤的帳務資訊,或者在某個環節當中遭致損失。有鑑於此,避免交易資訊的錯誤係亟欲解決的問題。 Due to the mechanism of manually generating account flow, it often results in wrong account information or losses in a certain link. In view of this, avoiding errors in transaction information is an urgent problem to be solved.

根據本揭示文件之一實施例,揭示一種繳費裝置,此繳費裝置包含輸出介面、擷取介面、繳費介面以及傳 輸介面。擷取介面用來讀取由操作裝置產生的識別碼,其中此識別碼具有繳費資訊以及對應繳費資訊之金額資料。繳費介面用來接收對應金額資料之匯款指令,以輸出帳務資訊。傳輸介面耦接於輸出介面、擷取介面以及繳費介面。傳輸介面用來傳送帳務資訊至帳務伺服器,其中帳務伺服器會判斷移轉帳務資訊之金額之成功與否,以對應產生更新指令。其中,傳輸介面會自帳務伺服器接收更新指令,以及輸出介面根據更新指令來輸出回饋資訊。其中,回饋資訊係記錄已繳付該繳費資訊之金額資料的訊息。 According to an embodiment of the disclosed document, a payment device is disclosed. The payment device includes an output interface, a capture interface, a payment interface and a transmission interface. input interface. The retrieval interface is used to read the identification code generated by the operating device, wherein the identification code has payment information and amount data corresponding to the payment information. The payment interface is used to receive the remittance instruction corresponding to the amount data to output the account information. The transmission interface is coupled to the output interface, the capture interface and the payment interface. The transmission interface is used to transmit the accounting information to the accounting server, wherein the accounting server will determine whether the transfer of the amount of the accounting information is successful or not, so as to generate an update command correspondingly. Wherein, the transmission interface receives an update command from the accounting server, and the output interface outputs feedback information according to the update command. Wherein, the feedback information is a message that records the amount data of the payment information that has been paid.

根據另一實施例,揭示一種繳費方法,適用於繳費裝置。繳費裝置包含輸出介面、擷取介面、繳費介面以及傳輸介面。傳輸介面耦接於輸出介面、擷取介面以及繳費介面。繳費方法包含以下步驟:擷取介面讀取識別碼,其中此識別碼具有繳費資訊以及對應繳費資訊之金額資料。繳費介面接收對應金額資料之匯款指令,以輸出帳務資訊。傳輸介面傳送帳務資訊至伺服器,其中帳務伺服器會判斷移轉帳務資訊之金額之成功與否,以對應產生更新指令。傳輸介面自帳務伺服器接收更新指令。以及,輸出介面根據更新指令輸出回饋資訊,其中回饋資訊記錄已繳付該繳費資訊之金額資料的訊息。 According to another embodiment, a payment method is disclosed, which is applicable to a payment device. The payment device includes an output interface, a capture interface, a payment interface and a transmission interface. The transmission interface is coupled to the output interface, the capture interface and the payment interface. The payment method includes the following steps: the retrieval interface reads the identification code, wherein the identification code has payment information and amount data corresponding to the payment information. The payment interface receives the remittance instruction corresponding to the amount data to output the account information. The transmission interface transmits the account information to the server, and the account server will determine whether the transfer of the amount of the account information is successful or not, so as to generate an update command correspondingly. The transmission interface receives update commands from the accounting server. And, the output interface outputs feedback information according to the update command, wherein the feedback information records the information that the amount data of the payment information has been paid.

為讓本揭示內容之上述和其他目的、特徵、優點與實施例能更明顯易懂,所附符號之說明如下: In order to make the above and other purposes, features, advantages and embodiments of the present disclosure more obvious and easy to understand, the accompanying symbols are explained as follows:

100:繳費系統 100:Payment system

110:繳費裝置 110: payment device

111:擷取介面 111: Capture interface

113:繳費介面 113:Payment interface

115:傳輸介面 115: Transmission interface

117:輸出介面 117: output interface

120:操作裝置 120: operating device

121:識別碼 121: identification code

130:中介系統 130: Intermediary system

500:帳務伺服器 500: Billing server

600:廠商伺服器 600: Manufacturer server

700:金融控管伺服器 700: Financial control server

200、300:繳費方法 200, 300: payment method

S210、S220、S230、S240、S250、S251、S252、S260、S261、S262、S270:步驟 S210, S220, S230, S240, S250, S251, S252, S260, S261, S262, S270: steps

以下詳細描述結合隨附圖式閱讀時,將有利於較佳地理解本揭示文件之態樣。應注意,根據說明上實務的 需求,圖式中各特徵並不一定按比例繪製。實際上,出於論述清晰之目的,可能任意增加或減小各特徵之尺寸。 When the following detailed description is read in conjunction with the accompanying drawings, it will help to better understand the aspect of the disclosed document. It should be noted that according to the practical requirements, the features in the drawings are not necessarily drawn to scale. In fact, the dimensions of the various features may be arbitrarily increased or decreased for clarity of discussion.

第1圖繪示根據本揭示文件一些實施例中一種繳費系統之功能方塊示意圖。 FIG. 1 is a schematic functional block diagram of a payment system according to some embodiments of the disclosure.

第2圖繪示根據本揭示文件一些實施例中一種繳費方法之步驟流程圖。 FIG. 2 shows a flow chart of the steps of a payment method according to some embodiments of the disclosed document.

第3圖繪示根據本揭示文件另一些實施例中一種繳費方法之步驟流程圖。 FIG. 3 shows a flow chart of the steps of a payment method according to other embodiments of the disclosure document.

以下揭示內容提供許多不同實施例或實例,以便實施本發明之不同特徵。下文描述元件及排列之特定實例以簡化本發明。當然,該等實例僅為示例性且並不欲為限制性。舉例而言,以下描述中在第二特徵上方或第二特徵上形成第一特徵可包括以直接接觸形成第一特徵及第二特徵的實施例,且亦可包括可在第一特徵與第二特徵之間形成額外特徵使得第一特徵及特徵可不處於直接接觸的實施例。另外,本發明可在各實例中重複元件符號及/或字母。此重複係出於簡明性及清晰之目的,且本身並不指示所論述之各實施例及/或配置之間的關係。 The following disclosure provides many different embodiments, or examples, for implementing different features of the invention. Specific examples of components and arrangements are described below to simplify the present disclosure. Of course, these examples are exemplary only and are not intended to be limiting. For example, in the following description, forming a first feature over or on a second feature may include embodiments where the first and second features are formed in direct contact, and may also include embodiments where the first and second features may be formed in direct contact. Embodiments where additional features are formed between features such that the first feature and features may not be in direct contact. In addition, the present invention may repeat element symbols and/or letters in each example. This repetition is for simplicity and clarity and does not in itself indicate a relationship between the various embodiments and/or configurations discussed.

請參閱第1圖,其繪示根據本揭示文件一些實施例中一種繳費系統100之功能方塊示意圖。如第1圖所示,繳費系統100包含繳費裝置110、操作裝置120以及中介系統130。繳費裝置110包含擷取介面111、繳費介面113、傳輸介 面115以及輸出介面117。傳輸介面115分別耦接擷取介面111、繳費介面113以及輸出介面117。操作裝置120用以經操作而產生具有資料之識別碼121。擷取介面111可以為可讀取一維條碼、二維條碼(例如Quick Response Code,QR code)或近場通訊標籤(Near Field Communication,NFC)之感測器或標籤讀取器。 Please refer to FIG. 1 , which shows a functional block diagram of a payment system 100 according to some embodiments of the present disclosure. As shown in FIG. 1 , the bill payment system 100 includes a bill payment device 110 , an operating device 120 and an intermediary system 130 . The payment device 110 includes a capture interface 111, a payment interface 113, a transmission medium Surface 115 and output interface 117. The transmission interface 115 is respectively coupled to the capturing interface 111 , the payment interface 113 and the output interface 117 . The operating device 120 is used to generate an identification code 121 with data through operation. The capture interface 111 can be a sensor or a tag reader capable of reading 1D barcodes, 2D barcodes (such as Quick Response Code, QR code) or Near Field Communication (NFC) tags.

在一些實施例中,繳費裝置110是設置在某一定點(例如全家便利超商或銀行等)之自動提款機(automated teller machine,ATM)。在另一些實施例,繳費裝置110是具有現金存款功能的自動提款機。繳費介面113可配置於上述自動提款機,此繳費介面113具有存款機構,並可提供存款功能,例如使用者可操作繳費裝置110上的現金轉帳功能鍵,繳費介面113的收取鈔票的機構會開啟,或者收取硬幣的機構可接收使用者直接投入的硬幣,繳費介面113會加總此些鈔票和/或硬幣的總金額。獲得總金額後,繳費裝置110向銀行後台更新資訊,以使得轉帳進入的銀行帳戶新增一筆存款資料,而完成存款(現金轉帳)。在一些實施例中,使用者可置入提款卡至繳費裝置110,繳費裝置110與銀行後台連線,透過轉帳功能,將使用者的銀行帳戶的金額轉出至指定的銀行帳戶,而完成存款(提款卡轉帳)。 In some embodiments, the payment device 110 is an automated teller machine (ATM) installed at a certain point (such as a Family Mart or a bank, etc.). In other embodiments, the payment device 110 is an automatic teller machine with a cash deposit function. The payment interface 113 can be configured in the above-mentioned automatic teller machine. This payment interface 113 has a deposit institution and can provide a deposit function. For example, the user can operate the cash transfer function key on the payment device 110. Open, or the mechanism for collecting coins can receive coins directly input by the user, and the payment interface 113 will add up the total amount of these banknotes and/or coins. After obtaining the total amount, the payment device 110 updates the information to the bank background, so that a new deposit information is added to the bank account into which the transfer is made, and the deposit (cash transfer) is completed. In some embodiments, the user can insert an ATM card into the payment device 110, and the payment device 110 is connected to the bank background, and through the transfer function, the amount of the user's bank account is transferred to the designated bank account to complete the payment. Deposit (ATM card transfer).

操作裝置120可提供複數個繳費功能,讓使用者透過操作裝置120上的顯示裝置(未繪示)來觀看並選擇欲繳付金錢的項目。操作裝置120會依據所選擇的項目(例如繳付代收費用),對應地產生識別碼121,此識別碼121具有繳費 資訊以及對應繳費資訊之金額資料。舉例來說,便利超商之店員欲繳付從顧客收取到的訂單費用給廠商,使用者可先從操作裝置120進行操作點選,操作裝置120會產生具有訂單相關資訊(例如買方名稱、賣方名稱、商品品項、交易通路、商品金額、收款者的銀行帳戶等)的識別碼121。該列印之識別碼可為一維條碼,或二維條碼。於產生識別碼121後,操作裝置120會列印此識別碼121,或者傳送此識別碼121至其他的電子裝置(未繪示)上顯示。因此,使用者可以持著操作裝置120所輸出的識別碼121(或顯示在前述電子裝置之識別碼12)至繳費裝置110之擷取介面111,由擷取介面111讀取此識別碼121。在一些實施例中,操作裝置120可以為多媒體機(例如FamiPort)或其他具備連網功能之電子裝置。 The operating device 120 can provide a plurality of payment functions, allowing the user to view and select the items to be paid through the display device (not shown) on the operating device 120 . The operating device 120 will generate an identification code 121 correspondingly according to the selected item (for example, payment of the billing fee), and the identification code 121 has a payment information and the amount data corresponding to the payment information. For example, if the clerk of a convenience store wants to pay the order fee received from the customer to the manufacturer, the user can first click on the operation device 120, and the operation device 120 will generate information related to the order (such as buyer name, seller name, etc.) Name, commodity item, transaction channel, commodity amount, bank account of the payee, etc.) identification code 121. The printed identification code can be a one-dimensional barcode or a two-dimensional barcode. After generating the identification code 121, the operating device 120 will print the identification code 121, or send the identification code 121 to other electronic devices (not shown) for display. Therefore, the user can hold the identification code 121 output by the operating device 120 (or the identification code 12 displayed on the aforementioned electronic device) to the capture interface 111 of the payment device 110, and the identification code 121 can be read by the capture interface 111. In some embodiments, the operating device 120 may be a multimedia machine (such as FamiPort) or other electronic devices capable of networking.

如第1圖所示,繳費裝置110之傳輸介面115係與帳務伺服器500通訊連接,傳輸介面115用以在帳務伺服器500之間的資料或指令的傳送與接收。帳務伺服器500分別與中介系統130以及金融控管伺服器700通訊連接。帳務伺服器500用以傳送帳務相關的結果通知至中介系統130,使中介系統130取得通知,以指示與中介系統130通訊連接之廠商伺服器600作後續處理。另一方面,帳務伺服器500亦會傳送帳務相關的結果至金融控管伺服器700,由金融控管伺服器700進行金融機構帳戶跨行結算、清分,並對於金錢流通作監控與管理。第1圖之繳費裝置110之詳細的運作步驟將於後說明。 As shown in FIG. 1 , the transmission interface 115 of the payment device 110 is communicatively connected with the accounting server 500 , and the transmission interface 115 is used for sending and receiving data or instructions between the accounting servers 500 . The accounting server 500 communicates with the intermediary system 130 and the financial control server 700 respectively. The accounting server 500 is used to send the accounting-related result notification to the intermediary system 130, so that the intermediary system 130 can obtain the notification and instruct the vendor server 600 communicated with the intermediary system 130 to perform subsequent processing. On the other hand, the accounting server 500 will also send accounting-related results to the financial control server 700, and the financial control server 700 will perform inter-bank settlement and clearing of financial institution accounts, and monitor and manage money circulation . The detailed operation steps of the payment device 110 in Fig. 1 will be described later.

請參閱第2圖,其繪示根據本揭示文件一些實施例中一種繳費方法200之步驟流程圖。為更清楚地說明繳費裝 置100執行之繳費方法200,請一併參閱第1圖以及第2圖。以下實施例將說明,例如在全家便利超商進行代繳服務之資訊流與帳務流的步驟流程。 Please refer to FIG. 2 , which shows a flow chart of the steps of a payment method 200 according to some embodiments of the disclosure document. To clarify the payment For the payment method 200 implemented at 100, please refer to Figure 1 and Figure 2 together. The following embodiments will illustrate, for example, the steps and flow of information flow and account flow for payment service in Family Mart.

於一些實施例中,使用者欲繳付代收的金額給相關的廠商。首先,使用者在操作裝置120點選繳付代收金額的服務而產生識別碼121,相關詳細操作已如前述。接著,使用者將此識別碼121放置到繳費裝置110的擷取介面111附近。在步驟S210中,擷取介面111讀取此識別碼121,並識別出識別碼121上的繳費資訊以及金額資料。其中,繳費資訊例如是訂單中的資訊,像是買方名稱、賣方名稱、商品品項、交易通路、商品金額、收款者的銀行帳戶等。金額資料例如是訂單資訊中的商品金額。 In some embodiments, the user wants to pay the collected amount to the relevant manufacturer. First, the user clicks on the service of paying the collection amount on the operating device 120 to generate an identification code 121 , and the related detailed operations are as described above. Then, the user puts the identification code 121 near the capture interface 111 of the payment device 110 . In step S210, the retrieval interface 111 reads the identification code 121, and identifies the payment information and amount data on the identification code 121. Wherein, the payment information is, for example, the information in the order, such as the name of the buyer, the name of the seller, the product item, the transaction channel, the amount of the product, the bank account of the payee, and the like. The amount data is, for example, the item amount in the order information.

接著,在一些實施例中,繳費介面113會隨著獲得訂單資訊後而開啟其收取鈔票的機構,提供使用者放置對應金額資料的現金。在另一些實施例中,繳費介面113會判斷是否讀取到使用者的提款卡的資料,進一步來進行提款卡帳戶扣款,並將金額轉入指定帳戶。在步驟S220中,使用者透過繳費裝置110的現金轉帳功能或者提款卡轉帳功能,繳費介面113接收到對應金額資料之匯款指令,以輸出帳務資訊。帳務資訊可以為繳費裝置110與銀行後台進行資訊交互的相關資訊,例如已收取的金額資料、提款卡已扣款金額、信用卡已授權扣款金額、收款者的銀行帳戶資料、商品項目、ATM編號等。其中,繳費介面113可以為自動提款機之現金存款電路、提款卡轉帳電路或信用卡授權扣款電路。舉例來說,繳費裝置 110之顯示螢幕(未繪示)上呈現擷取介面111讀取出的繳費金額以及入帳帳戶,並藉由顯示螢幕提供使用者來選擇其欲付款的方式。在使用者選擇以現金轉帳之實施例,繳費介面113為具有現金存款功能的機構,接收使用者放入的符合金額資料的鈔票或錢幣。 Then, in some embodiments, the payment interface 113 will open its mechanism for collecting banknotes after obtaining the order information, and provide the user with the cash placed in the corresponding amount information. In some other embodiments, the payment interface 113 will determine whether the information of the user's ATM card is read, and further debit the ATM card account, and transfer the amount to the designated account. In step S220, the user uses the cash transfer function or the ATM card transfer function of the payment device 110, and the payment interface 113 receives a remittance instruction corresponding to the amount data to output the account information. The account information can be information related to information interaction between the payment device 110 and the bank background, such as the amount received, the amount debited by the ATM card, the amount debited by the credit card authorized, the bank account information of the payee, and the commodity item , ATM number, etc. Wherein, the payment interface 113 can be a cash deposit circuit of an automatic teller machine, an ATM card transfer circuit or a credit card authorized deduction circuit. For example, payment device The display screen (not shown) of 110 presents the payment amount read by the capture interface 111 and the credit account, and the display screen provides the user with the choice of the payment method he wants to pay. In the embodiment where the user chooses to transfer funds by cash, the payment interface 113 is an institution with a cash deposit function, and receives banknotes or coins that match the amount data put in by the user.

接著,執行步驟S230,傳輸介面115將帳務資訊傳送至帳務伺服器500。在一些實施例中,帳務伺服器500可以為識別碼121中所記錄的收款者的銀行帳戶所屬的銀行後台系統,以存取各個銀行帳戶的金錢流通。 Next, step S230 is executed, and the transmission interface 115 transmits the accounting information to the accounting server 500 . In some embodiments, the account server 500 may be a bank background system to which the bank account of the payee recorded in the identification code 121 belongs, so as to access the money circulation of each bank account.

帳務伺服器500會將帳務資訊傳送至金融控管伺服器700,由控管交易環境安全的金融控管伺服器700來進行金融機構帳戶跨行結算、清分,並對於金錢流通作監控與管理。金融控管伺服器700例如是財金公司之獨立伺服器。 The accounting server 500 will send the accounting information to the financial control server 700, and the financial control server 700, which controls the security of the transaction environment, will perform inter-bank settlement and clearing of financial institution accounts, and monitor and monitor money circulation. manage. The financial control server 700 is, for example, an independent server of a financial company.

在步驟S240,帳務伺服器500接收到資料後,會判斷移轉前述帳務資訊之金額的過程是否成功,以對應產生更新指令。更新指令可以為指示此筆交易為成功或失敗的訊息。若帳務伺服器500判斷已成功移轉金額至指定銀行帳戶,接著,如步驟S250,帳務伺服器500判斷移轉前述帳務資訊之金額至收款者的銀行帳戶是有效的,則新增轉入金額以及相關交易資訊至收款者的銀行帳戶。同時,帳務伺服器500回傳更新指令至繳費裝置110之傳輸介面115,以將成功轉帳或匯款之相關資訊通知繳費裝置110。 In step S240, after receiving the data, the accounting server 500 will determine whether the process of transferring the amount of the aforementioned accounting information is successful, so as to generate an update command correspondingly. The update command can be a message indicating the success or failure of the transaction. If the accounting server 500 judges that the transfer amount has been successfully transferred to the designated bank account, then, as in step S250, the accounting server 500 judges that the transfer of the amount of the aforementioned accounting information to the payee's bank account is valid, then the new Add the transfer amount and related transaction information to the recipient's bank account. At the same time, the account server 500 sends back an update command to the transmission interface 115 of the payment device 110 to notify the payment device 110 of the relevant information of successful transfer or remittance.

接著,在步驟S260,繳費裝置110之輸出介面117根據前述的更新指令來輸出回饋資訊,其中回饋資訊記 錄有已繳付繳費資訊之金額資料的訊息,或者金額移轉失敗之警示訊息。舉例來說,輸出介面117可以為具備列印功能的電路或機構,輸出介面117進一步地列印有關於已繳付繳費資訊之繳費憑證的小白單(例如前述繳付代收金額的成功交易資訊),或者列印出此筆交易失敗的訊息。另一些實施例中,輸出介面117可以傳送繳費憑證至使用者的行動裝置(未繪示),因此繳費裝置110不須列印紙本的收據而同樣可讓使用者收到繳費憑證。 Next, in step S260, the output interface 117 of the payment device 110 outputs the feedback information according to the aforementioned update command, wherein the feedback information is A message that records the amount data of the payment information that has been paid, or a warning message that the transfer of the amount fails. For example, the output interface 117 can be a circuit or mechanism with a printing function, and the output interface 117 can further print a small white sheet with payment vouchers related to paid payment information (such as the successful transaction of the aforementioned payment collection amount message) or print a message that the transaction failed. In some other embodiments, the output interface 117 can send the payment voucher to the user's mobile device (not shown), so the payment device 110 does not need to print a paper receipt but also allows the user to receive the payment voucher.

據此,本揭示文件之繳費裝置100透過繳費裝置101的硬體功能,確實地將正確的金額交付至收款者的銀行帳戶,而避免了一般使用銷售點終端(Point of Sales,POS)系統讀取了識別碼121之後,由於一般POS機只能記錄刷取條碼的資料,再透過人工計數對應的金額,但此移轉代收款的方式並無法確保店員有將正確金額放入收銀機的問題。另一方面,店員或使用者可能會因為詐騙手段而獲得錯誤的匯款訊息,例如將匯款之收款人轉入詐騙帳戶,而使得店鋪蒙受損失。 Accordingly, the payment device 100 in this disclosed document will definitely deliver the correct amount to the payee's bank account through the hardware function of the payment device 101, thereby avoiding the general use of the point of sale terminal (Point of Sales, POS) system After reading the identification code 121, because the general POS machine can only record the data of swiping the barcode, and then manually count the corresponding amount, but this transfer collection method cannot ensure that the clerk puts the correct amount into the cash register The problem. On the other hand, store staff or users may obtain wrong remittance information due to fraudulent means, such as transferring the payee of the remittance to a fraudulent account, causing the store to suffer losses.

請復參閱第1圖,中介系統130通訊連接於帳務伺服器500,用以自帳務伺服器500接收帳務資訊。在一些實施例中,帳務伺服器500與中介系統130可以為專線資料傳輸。中介系統130收到帳務資訊之後,中介系統130會向帳務資訊當中對應之廠商伺服器600發出通知,向廠商伺服器600指示前述的帳務伺服器500已成功收取帳務資訊所指示的金額,詳細說明如後。 Please refer to FIG. 1 again, the intermediary system 130 is communicatively connected to the accounting server 500 for receiving accounting information from the accounting server 500 . In some embodiments, the billing server 500 and the intermediary system 130 may use a dedicated line for data transmission. After the intermediary system 130 receives the accounting information, the intermediary system 130 will send a notification to the manufacturer's server 600 corresponding to the accounting information, indicating to the manufacturer's server 600 that the aforementioned accounting server 500 has successfully received the information indicated by the accounting information. The amount is detailed below.

請參閱第3圖,其繪示根據本揭示文件另一些實施例中一種繳費方法300之步驟流程圖。為更清楚地說明繳費裝置100執行之繳費方法300,請一併參閱第1圖以及第3圖。以下實施例將說明,例如在全家便利超商代繳相關商品費用或在超商購買遊戲點數、電信服務儲值點數、電子禮券或其他儲值型態商品之資訊流與帳務流的步驟流程。其中,在繳費方法300中之步驟S210至S250分別相同於前述繳費方法200,相同元件及步驟以相同符號說明,於此不予重述。 Please refer to FIG. 3 , which shows a flow chart of the steps of a payment method 300 according to other embodiments of the disclosed document. For a clearer description of the payment method 300 performed by the payment device 100, please refer to Figure 1 and Figure 3 together. The following embodiments will illustrate, for example, the information flow and account flow of paying related commodity fees at FamilyMart or purchasing game points, telecommunication service stored value points, electronic gift certificates or other stored value commodities at supermarkets. step process. Wherein, steps S210 to S250 in the payment method 300 are respectively the same as the above-mentioned payment method 200, and the same components and steps are described with the same symbols, and will not be repeated here.

在帳務伺服器500產生更新指令後,接著執行步驟S251,帳務伺服器500傳送帳務資訊至中介系統130。於此步驟中,中介系統130得知帳務伺服器500已成功存入使用者輸入的金額,即收款人的銀行帳戶的收款狀態,經帳務伺服器500的確認已有對應的金額入帳。接著,在步驟S252中,中介系統130向廠商伺服器600發出通知,指示帳務伺服器500已成功收取金額。 After the account server 500 generates the update command, step S251 is executed, and the account server 500 sends the account information to the intermediary system 130 . In this step, the intermediary system 130 is notified that the account server 500 has successfully deposited the amount input by the user, that is, the payment status of the payee's bank account, and the corresponding amount has been confirmed by the account server 500 accounted for. Next, in step S252, the intermediary system 130 sends a notification to the vendor server 600, indicating that the billing server 500 has successfully collected the amount.

在使用者係購買需要由廠商寄出實體商品的實施例中,廠商伺服器600除了會收到繳費完成之通知訊息,同時也會收到訂單的相關資料,例如買方名稱、賣方名稱、商品品項、交易通路、商品金額等,而廠商會進一步向付費的使用者寄出其購買之商品至指定地址。 In the embodiment where the user purchases a physical product that needs to be sent by the manufacturer, the manufacturer's server 600 will not only receive the notification message that the payment is completed, but also receive the relevant information of the order, such as the name of the buyer, the name of the seller, the product item, transaction channel, product amount, etc., and the manufacturer will further send the purchased product to the designated address to the paying user.

另一方面,在步驟S251中,帳務伺服器500也會將更新指令回傳至繳費裝置110,而執行如第2圖所示之步驟S260,輸出介面117列印出有關於已繳付繳費資訊之繳費憑證的小白單,而完成使用者在超商代收相關商品費用之 流程。 On the other hand, in step S251, the account server 500 will also return the update command to the payment device 110, and execute step S260 as shown in FIG. The small white slip of the payment voucher of the information, and the completion of the user's payment of the relevant commodity fees in the supermarket process.

回到前述步驟S252,中介系統130向廠商伺服器600發出通知,指示帳務伺服器500已成功收取金額。在使用者係購買遊戲點數的實施例中,中介系統130會先向廠商伺服器600存取全新的遊戲點數卡的儲值序號。接著,中介系統130將取得之儲值序號,回傳至帳務伺服器500,使帳務伺服器500將此儲值序號編碼於更新指令中。接著,於步驟S261中,帳務伺服器500傳送更新指令至繳費裝置110之傳輸介面115。接著執行步驟S262,繳費裝置110透過傳輸介面115取得更新指令之後,繳費裝置110解碼此更新指令,獲得已成功存入款項之訊息,以及前述全新的遊戲點數卡之儲值序號。接著,輸出介面117根據更新指令來產生回饋資訊。舉例來說,輸出介面117以紙本方式列印出具有繳費憑證以及遊戲點數卡的儲值序號之小白單。 Returning to the aforementioned step S252, the intermediary system 130 sends a notification to the vendor server 600, indicating that the billing server 500 has successfully collected the amount. In the embodiment where the user purchases game points, the intermediary system 130 will first access the stored value serial number of the brand new game point card from the manufacturer's server 600 . Next, the intermediary system 130 returns the obtained stored value serial number to the account server 500, so that the account server 500 encodes the stored value serial number in the update command. Next, in step S261 , the account server 500 sends an update command to the transmission interface 115 of the payment device 110 . Then step S262 is executed, after the payment device 110 obtains the update command through the transmission interface 115, the payment device 110 decodes the update command, and obtains the message that the money has been successfully deposited, and the stored value serial number of the aforementioned brand new game point card. Next, the output interface 117 generates feedback information according to the updating command. For example, the output interface 117 prints out a small white slip with the payment voucher and the stored value serial number of the game point card in paper form.

在另一些實施例中,操作裝置120所產生的識別碼121中可預先編碼遊戲點數卡的儲值序號。因此,在繳費方法300的步驟S252中,中介系統130只需要向廠商伺服器600通知已成功收取金額,而不須向廠商伺服器600存取儲值序號、以及回傳儲值序號至帳務伺服器500。此時,在步驟S261中,帳務伺服器500傳送的更新指令不須帶有儲值序號。因此,在步驟S262中,繳費裝置110根據更新指令即可獲知識別碼121中遊戲點數卡的儲值序號可以啟用,使得輸出介面117直接輸出儲值序號以及繳費憑證即可。欲說明的是,前述可以啟用的儲值序號係指經過廠商伺服器600 的認可,讓使用者可以正常使用此儲值序號,而不會被廠商伺服器600所拒絕。 In some other embodiments, the stored value serial number of the game point card may be pre-encoded in the identification code 121 generated by the operating device 120 . Therefore, in step S252 of the payment method 300, the intermediary system 130 only needs to notify the manufacturer's server 600 that the amount has been successfully collected, and does not need to store the stored value serial number from the manufacturer's server 600 and return the stored value serial number to the account. Server 500. At this time, in step S261, the update command sent by the account server 500 does not need to carry the stored value serial number. Therefore, in step S262, the payment device 110 can obtain the stored value serial number of the game point card in the identification code 121 according to the update instruction to be activated, so that the output interface 117 can directly output the stored value serial number and the payment voucher. It should be noted that the aforementioned stored value serial numbers that can be activated refer to the The approval of the user allows the user to use the stored value serial number normally without being rejected by the manufacturer's server 600 .

綜上所述,本揭示文件之繳費裝置110以及繳費方法200與繳費方法300提供更健全的收費與繳費機制,讓企業與企業之間、一般消費者與企業之間或一般消費者之間在進行代收代繳交易時,可享受自動化產生繳費識別碼121來進行繳費的便利性,簡化消費者在店鋪的結帳流程。此外,本揭示文件提供之繳費機制係透過具有存款與提款功能的自動存提款機,完全記錄付款方與收款方的金錢流與資訊流,可確保收款方的銀行帳戶有收取到對應款項,一來除了店員不須經手現金,可降低店鋪保管現金時的風險,也可降低店員的勞務作業,二來因結帳流程轉移至繳費裝置110來完成,降低了店鋪被詐騙的風險。並且,在收款方是詐騙集團時,可以即時地凍結銀行帳戶,以避免付款方的金錢損失,將損害降到最低,同時,也可防堵不肖人士仿冒廠商或店員向代收款項之超商索取代收費用,保全在整體代收流程之健全性。 To sum up, the payment device 110, the payment method 200 and the payment method 300 of this disclosure document provide a more robust charging and payment mechanism, allowing business-to-business, general consumers to When performing collection and payment transactions, you can enjoy the convenience of automatically generating the payment identification code 121 for payment, simplifying the checkout process for consumers at the store. In addition, the payment mechanism provided in this disclosure document is to fully record the money flow and information flow between the payer and the payee through the automatic deposit and withdrawal machine with deposit and withdrawal functions, so as to ensure that the payee’s bank account has received Corresponding to the payment, firstly, except for the clerk who does not need to handle cash, it can reduce the risk of the store when keeping the cash, and can also reduce the labor work of the clerk. Second, because the checkout process is transferred to the payment device 110 to complete, the risk of being defrauded by the store is reduced. . Moreover, when the payee is a fraudulent group, the bank account can be frozen immediately to avoid the payer's money loss and minimize the damage. The commercial claim replaces the fee to ensure the soundness of the overall collection process.

上文概述若干實施例之特徵,使得熟習此項技術者可更好地理解本發明之態樣。熟習此項技術者應瞭解,可輕易使用本發明作為設計或修改其他製程及結構的基礎,以便實施本文所介紹之實施例的相同目的及/或實現相同優勢。熟習此項技術者亦應認識到,此類等效結構並未脫離本發明之精神及範疇,且可在不脫離本發明之精神及範疇的情況下產生本文的各種變化、替代及更改。 The features of several embodiments are summarized above so that those skilled in the art can better understand aspects of the present invention. Those skilled in the art will appreciate that the present invention may be readily used as a basis for designing or modifying other processes and structures in order to carry out the same purposes and/or achieve the same advantages of the embodiments described herein. Those skilled in the art should also realize that such equivalent structures do not depart from the spirit and scope of the invention, and that various changes, substitutions and alterations can be made herein without departing from the spirit and scope of the invention.

100:繳費系統 100:Payment system

110:繳費裝置 110: payment device

111:擷取介面 111: Capture interface

113:繳費介面 113:Payment interface

115:傳輸介面 115: Transmission interface

117:輸出介面 117: output interface

120:操作裝置 120: operating device

121:識別碼 121: identification code

130:中介系統 130: Intermediary system

500:帳務伺服器 500: Billing server

600:廠商伺服器 600: Manufacturer server

700:金融控管伺服器 700: Financial control server

Claims (10)

一種繳費系統,包含:一多媒體機,用以提供複數個繳費功能,並依據被選擇的項目而產生具有一繳費資訊以及對應該繳費資訊之一金額資料之一識別碼;以及一自動提款機,包含:一擷取介面,用以讀取該多媒體機產生之該識別碼;一繳費介面,具有一存款機構,其中當該擷取介面讀取到該識別碼的該繳費資訊及該金額資料,該繳費介面用以執行一現金轉帳或提款卡轉帳,並用以接收對應該金額資料之一匯款指令,以輸出一帳務資訊,使得該擷取介面讀取到該識別碼後,該存款機構根據該識別碼的該金額資料接收金錢或者一銀行帳戶根據該識別碼的該金額資料被扣款;一傳輸介面,耦接該擷取介面以及該繳費介面,該傳輸介面用以傳送該帳務資訊至一帳務伺服器,其中該帳務伺服器判斷移轉該帳務資訊之金額之成功與否,以對應產生一更新指令;以及一輸出介面,耦接該傳輸介面,其中該輸出介面根據該更新指令以輸出一回饋資訊,其中該回饋資訊記錄已繳付該繳費資訊之該金額資料的訊息。 A payment system, comprising: a multimedia machine, used to provide multiple payment functions, and generate an identification code with payment information and an amount corresponding to the payment information according to the selected item; and an automatic teller machine , including: an extraction interface for reading the identification code generated by the multimedia machine; a payment interface with a depository institution, wherein when the extraction interface reads the payment information and the amount information of the identification code , the payment interface is used to execute a cash transfer or ATM card transfer, and to receive a remittance instruction corresponding to the amount data, so as to output an accounting information, so that after the retrieval interface reads the identification code, the deposit An institution receives money according to the amount information of the identification code or a bank account is debited according to the amount information of the identification code; a transmission interface is coupled to the retrieval interface and the payment interface, and the transmission interface is used to transmit the account transaction information to an accounting server, wherein the accounting server judges whether the transfer of the amount of the accounting information is successful or not, so as to generate an update command correspondingly; and an output interface, coupled to the transmission interface, wherein the output The interface outputs a feedback information according to the updating instruction, wherein the feedback information records a message that the amount data of the payment information has been paid. 如請求項1所述之繳費系統,其中:一中介系統通訊連接該帳務伺服器,其中該中介系統用以自該帳務伺服器接收該帳務資訊,以向該帳務資訊對應之 一廠商伺服器通知該帳務伺服器已成功收取該帳務資訊之一金額,以及該中介系統接收自該廠商伺服器之一儲值序號。 The bill payment system as described in Claim 1, wherein: an intermediary system communicates with the accounting server, wherein the intermediary system is used to receive the accounting information from the accounting server, and to correspond to the accounting information A manufacturer's server notifies the accounting server that the amount of the accounting information has been successfully received, and the intermediary system receives a stored-value serial number from the manufacturer's server. 如請求項2所述之繳費系統,其中該中介系統回傳該儲值序號至該帳務伺服器,使該帳務伺服器產生之該更新指令包含該儲值序號。 The payment system as described in Claim 2, wherein the intermediary system returns the stored value serial number to the account server, so that the update command generated by the account server includes the stored value serial number. 如請求項2所述之繳費系統,其中該輸出介面根據該更新指令產生該回饋資訊包含:啟用對應該繳費資訊之該儲值序號、列印對應該繳費資訊之一繳費憑證、以及列印對應該繳費資訊之該儲值序號之至少其中一者。 The payment system as described in request item 2, wherein the output interface generates the feedback information according to the update command including: enabling the stored value serial number corresponding to the payment information, printing a payment voucher corresponding to the payment information, and printing the corresponding At least one of the stored value serial numbers of the payment information. 如請求項2所述之繳費系統,其中該輸出介面根據該更新指令產生該回饋資訊包含:該輸出介面傳送該繳費憑證和該儲值序號至一行動裝置。 The payment system as described in Claim 2, wherein the output interface generating the feedback information according to the update command includes: the output interface sending the payment voucher and the stored value serial number to a mobile device. 一種繳費方法,適用於一繳費系統,其中該繳費裝置包含一多媒體機以及一自動提款機,該繳費方法包含:透過該多媒體機以提供複數個繳費功能,並依據被選擇的項目而產生具有一繳費資訊以及對應該繳費資訊之一金額資料之一識別碼; 透過該自動提款機的一擷取介面讀取該多媒體機產生之該識別碼;透過該自動提款機的一繳費介面接收對應該金額資料之一匯款指令,以輸出一帳務資訊,使得該擷取介面讀取到該識別碼後,該繳費介面的一存款機構根據該識別碼的該金額資料接收金錢或者該銀行帳戶根據該識別碼的該金額資料被扣款,其中當該繳費介面讀取到該識別碼的該繳費資訊及該金額資料,透過該繳費介面的一存款機構執行一現金轉帳或提款卡轉帳,使得該繳費介面輸出該帳務資訊;透過該自動提款機的一傳輸介面傳送該帳務資訊至一伺服器,其中該帳務伺服器判斷移轉該帳務資訊之金額之成功與否,以對應產生一更新指令;透過該傳輸介面自該帳務伺服器接收該更新指令;以及透過該自動提款機的一輸出介面根據該更新指令輸出一回饋資訊,其中該回饋資訊記錄已繳付該繳費資訊之該金額資料的訊息。 A payment method, suitable for a payment system, wherein the payment device includes a multimedia machine and an automatic teller machine, the payment method includes: providing a plurality of payment functions through the multimedia machine, and generating a 1. payment information and an identification code of the amount data corresponding to the payment information; Read the identification code generated by the multimedia machine through a capture interface of the automatic teller machine; receive a remittance instruction corresponding to the amount data through a payment interface of the automatic teller machine to output an accounting information, so that After the retrieval interface reads the identification code, a depository institution of the payment interface receives money according to the amount information of the identification code or the bank account is debited according to the amount information of the identification code, wherein when the payment interface Read the payment information and the amount data of the identification code, execute a cash transfer or cash card transfer through a depository institution of the payment interface, so that the payment interface outputs the account information; through the automatic teller machine A transmission interface transmits the account information to a server, wherein the account server judges whether the transfer of the amount of the account information is successful or not, so as to generate an update command correspondingly; receiving the update instruction; and outputting feedback information according to the update instruction through an output interface of the automatic teller machine, wherein the feedback information records a message that the amount data of the payment information has been paid. 如請求項6所述之繳費方法,其中該方法還包含:一中介系統自該帳務伺服器接收該帳務資訊,以向該帳務資訊對應之一廠商伺服器通知該帳務伺服器已成功收取該帳務資訊之一金額。 The payment method as described in claim 6, wherein the method further includes: an intermediary system receives the accounting information from the accounting server, and notifies a vendor server corresponding to the accounting information that the accounting server has One of the amounts for this account information was successfully charged. 如請求項7所述之繳費方法,其中該方法還 包含:該中介系統回傳對應該繳費資訊之一儲值序號至該帳務伺服器,使該帳務伺服器產生之該更新指令包含該儲值序號。 The payment method as described in claim 7, wherein the method also Including: the intermediary system returns a stored value serial number corresponding to the payment information to the account server, so that the update command generated by the account server includes the stored value serial number. 如請求項6所述之繳費方法,其中該方法還包含:根據該識別碼之類別,列印對應該繳費資訊之一繳費憑證、列印對應該繳費資訊之一儲值序號、以及啟用對應該繳費資訊之該儲值序號之至少其中之一。 The payment method as described in claim 6, wherein the method also includes: according to the type of the identification code, printing a payment voucher corresponding to the payment information, printing a stored value serial number corresponding to the payment information, and enabling the corresponding At least one of the stored value serial numbers of the payment information. 如請求項9所述之繳費方法,其中該方法還包含:該輸出介面傳送該繳費憑證和該儲值序號至一行動裝置。 The payment method as described in Claim 9, wherein the method further includes: the output interface sends the payment voucher and the stored value serial number to a mobile device.
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Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWM506330U (en) * 2015-03-31 2015-08-01 President Chain Store Corp Electronic ticket buying system
TWM539662U (en) * 2016-06-15 2017-04-11 Sky Mirror Technology Co Ltd Payment management system and payment management device
TWM543412U (en) * 2016-12-29 2017-06-11 臺灣中小企業銀行股份有限公司 Electronic equipment that across counter service of medical institution and financial institution
TWM560068U (en) * 2018-01-10 2018-05-11 Modern Times Financial Information Co Ltd Counter QR code scanning and payment system

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWM506330U (en) * 2015-03-31 2015-08-01 President Chain Store Corp Electronic ticket buying system
TWM539662U (en) * 2016-06-15 2017-04-11 Sky Mirror Technology Co Ltd Payment management system and payment management device
TWM543412U (en) * 2016-12-29 2017-06-11 臺灣中小企業銀行股份有限公司 Electronic equipment that across counter service of medical institution and financial institution
TWM560068U (en) * 2018-01-10 2018-05-11 Modern Times Financial Information Co Ltd Counter QR code scanning and payment system

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