TWI537854B - Computer product and operating method - Google Patents

Description

Computer program product and operation method

The present invention relates to software technology, and in particular to computer program products and methods of operation.

With the development and progress of modern society, various expenses that people need to pay in life, such as water fees, electricity bills, traffic tickets, insurance, etc. Generally speaking, due to work reasons, people often do not have time to pay in the bank, so users can pay through the convenience store agent, which is very convenient. However, if the user does not want to buy something, but instead goes to the convenience store counter to pay the fee, it still takes a little time for the user.

On the other hand, online payment can be done by users through online banking at home, but it needs to use a computer with a bank chip card, which is quite convenient. The billing method is based on the user's own automatic account deduction, but the supported billing categories are small, making it difficult to pay multiple fees at one time.

In order to solve the above problems, the relevant fields have not exhausted their efforts to seek solutions, but the methods that have not been applied for a long time have been developed. Therefore, how to integrate the payment platform is one of the current important research and development topics, and it has become the goal of improvement in the relevant fields.

One aspect of the present invention is to provide a computer program product and method of operation to solve the problems of the prior art.

The operation method provided by the present invention comprises: (a) after the payment element of the electronic device scans the payment barcode on the physical bill, the payment operation is performed according to the payment barcode; (b) after the input component of the electronic device obtains the payment code, According to the payment code, the payment operation is performed; (c) after the transmission component of the electronic device receives the electronic message, the electronic message is converted into image data, and whether the payment barcode is recognized in the image data, when the payment barcode is judged to be read, In addition, according to the payment barcode, the payment operation is performed.

In one embodiment, the payment operation includes linking to a third party payment platform for debiting.

In one embodiment, the payment operation includes online credit card payments.

In one embodiment, the payment operation includes payment via an electronic coupon.

In an embodiment, the payment of the electronic coupon certificate includes: scanning the first serial number component of the electronic coupon and the one password recorded by the second barcode component through the imaging component of the electronic device, and transmitting the component through the network And the password is transmitted to a coupon management system. When the coupon management system determines that the serial number matches the password, the balance of the electronic coupon is used to deduct the payment.

In another aspect, the computer program product provided by the present invention includes an application that loads an application via an electronic device to perform the above operation method.

In summary, the present invention starts from an integrated payment platform. An application (APP) based on the payment of electronic devices (such as mobile phones) allows all kinds of payment in the current situation to be carried out by the mobile APP.

The above description will be described in detail in the following embodiments, and further explanation of the technical solutions of the present invention will be provided.

The above and other objects, features, advantages and embodiments of the present invention will become more apparent and understood.

100‧‧‧Electronic devices

110‧‧‧Processing components

120‧‧‧Storage components

130‧‧‧Photographing components

140‧‧‧Transmission components

150‧‧‧ input components

160‧‧‧Display components

191‧‧‧ Third-party payment platform

192‧‧‧Internet Banking

193‧‧ Gift Voucher Management System

200‧‧‧Electronic Gift Certificate

210‧‧‧The first bar code part

220‧‧‧Second bar code parts

300‧‧‧How to operate

310, 320, 330, 340, 350, 360‧‧‧ steps

The above and other objects, features, advantages and embodiments of the present invention will become more apparent and understood. 2 is a front view of a surface according to an embodiment of the invention; and FIG. 3 is a flow chart of an operation method according to an embodiment of the invention.

The embodiments are described in detail below with reference to the accompanying drawings, but the embodiments are not intended to limit the scope of the invention, and the description of structural operations is not intended to limit the order of execution thereof The structure, which produces equal devices, is within the scope of the present invention. In addition, the drawings are for illustrative purposes only and are not drawn to the original dimensions. For ease of understanding, the same elements in the following description will be denoted by the same reference numerals.

The terms "first", "second", ..., etc., as used herein, are not intended to refer to the order or order, and are not intended to limit the invention. It is only for the purpose of distinguishing between elements or operations described in the same technical terms.

As used herein, "about", "about" or "substantially" generally means that the error or range of the index value is within about 20%, preferably within about 10%, and more preferably, It is about five percent. In the text, unless otherwise stated, the numerical values referred to are regarded as approximations, that is, the errors or ranges indicated by "about", "about" or "roughly".

In addition, the term "coupled" or "connected" as used herein may mean that two or more elements are in direct physical or electrical contact with each other, or indirectly in physical or electrical contact with each other, or Multiple components operate or act upon each other.

Due to the popularity of the Internet, computer software can be stored directly on the network in addition to the recording medium, without being stored on a recording medium (such as a compact disc). Therefore, the technical aspect of the present invention is a computer program product, which is an application (APP) that can be read by a computer (such as a tablet computer, a smart phone, etc.) and is not limited to an external form. . The application is loaded by the electronic device to perform the operation method. It is worth mentioning that the application is compatible with each operating system, so that various payment rates can be performed by electronic devices (eg, smart phones). The convenience of paying anytime, anywhere. The basic structure of the electronic device will be described below with reference to FIG. 1, and the specific embodiment of the operation method will be described with reference to FIG.

FIG. 1 is a block diagram of an electronic device 100 according to an embodiment of the invention. The electronic device 100 can be a mobile phone, a tablet, a notebook computer, or other electronic product. As shown in FIG. 1, the electronic device 100 includes a processing element 110, a storage element 120, an imaging element 130, an input element 150, a transmission element 140, and a display element 160. For example, the processing component 110 can be medium The central processing unit, the microcontroller or other processor, the storage component 120 can be a hard disk, a flash memory or the like, and the imaging component 130 can be a built-in imaging component or an external imaging device. The transmission component 140 can be a mobile wireless transceiver (eg, 3G, 4G, Wi-Fi module) or a transmission port (eg, USB) that can be connected to an external wireless network card. Input component 150 can be a keyboard, touch device, or other input device, and display component 160 can be a liquid crystal display, an electronic paper display, or other display. Furthermore, the input component 150 and the display component 160 can also be integrated into a touch screen.

The processing component 110 is electrically connected to the storage component 120, the imaging component 130, the transmission component 140, the input component 150, and the display component 160. The storage component 120 stores an application, and the processing component 110 can execute the application to enable the electronic device. 100 becomes an integrated payment platform. In practice, the payment method can be divided into at least three types, which are described below.

In an embodiment, the first payment method: the user scans the payment barcode on the physical bill with the imaging component 130 of the electronic device 100, and the processing component 110 performs a payment operation according to the payment barcode. In this way, the user does not need to hold the physical bill to the physical channel (such as a bank or a convenience store) to pay the deposit, and the electronic device 100 can take the barcode at any time and anywhere.

In another embodiment, the second payment method: the user can input the payment code through the electronic device 100, and after the input component 150 obtains the payment code, the processing component 110 performs a payment operation according to the payment code. In this way, the user does not need to go to the multimedia machine (MMK) of the convenience store to input the payment code, and then pay the bill printed by the multimedia machine to the counter. As long as the electronic device 100 inputs the code, the payment can be made anytime and anywhere.

In still another embodiment, the third payment method: the user's electronic device 100 can receive an electronic message (eg, an electronic bill). After the transmission component 140 receives the image data, the processing component 110 converts the electronic message into For the image data, the processing component 110 identifies whether there is a payment barcode in the image data, such as an optical character recognition (OCR). When the payment bar code is read by the processing element 110, the processing element 110 further performs a payment operation based on the payment bar code. In this way, the user does not need to make complicated network payment through the electronic bill, and the electronic device 100 can take a bar code to pay the fee anytime and anywhere.

In the above embodiments, the payment operations performed by the electronic device 100 are also classified into at least three types, which are described below.

In an embodiment, the first type of payment flow: the user selects a third-party payment function in the application, so that the electronic device 100 connects the third-party payment platform 191 through the transmission component 140 to perform deduction. Third-party payment is a payment method derived from the relationship between "the contract cannot be fulfilled at the same time" and the "lack of trust base". For example, it is generally referred to as a non-financial institution that uses a third-party payment institution as a credit intermediary and establishes an effective and taboo connection between consumers, merchants, and banks through an agreement with the bank on an Internet basis. A series of functions such as currency payment, cash flow and fund settlement from consumers to merchants and financial institutions. In order to protect the rights and interests of buyers and sellers, and to solve trading risks, fake cards, bad debts, cross-border certification, language and other issues.

In another embodiment, the second payment stream: the user selects the online credit card function in the application, so that the electronic device 100 connects the online bank 192 through the transmission component 140 for online credit card payment. When paying online credit card, you need to enter the card number, the validity period of the credit card, and the number next to the signature bar on the back of the card. Code, online transaction password, sometimes need to enter the name, the verification code randomly generated on the web page. Once the input is complete, click Submit to complete the online payment.

In still another embodiment, the third payment flow stream is paid through the electronic coupon vouchers 200 as shown in FIG. 2, wherein the first barcode component 210 of the electronic coupon vouchers 200 records the serial number of the coupon, and the second barcode component 220 records The corresponding password, such as the coupon management system 193 shown in FIG. 1, records the related information (including the verification information and the gold flow information) of the electronic coupon 200. Specifically, referring to the first and second figures, the user selects the coupon electronic payment function in the application, causes the electronic device 100 to activate the imaging component 130, and scans the electronic coupon 200 through the imaging component 130 of the electronic device 100. The serial number recorded by the one code component 210 and the password described by the second barcode component 220 are transmitted by the transmission component 140 to the coupon management system 193 via the network, and the coupon management system 193 determines that the serial number matches the password. At that time, the balance of the electronic coupon voucher 200 is used to deduct the money, thereby making the gift voucher circulation function more.

For a further description of the operation method performed by the application of the present invention, a specific implementation manner of the operation method will be described below with reference to FIG. 3, and FIG. 3 is an operation method 300 according to an embodiment of the present invention. Flow chart.

As shown in FIG. 3, steps 310, 320, and 330 represent three payment methods, and steps 340, 350, and 360 represent three payment flows. It should be understood that the steps mentioned in the embodiment can be adjusted according to actual needs, and can be performed simultaneously or partially simultaneously, unless the order is specifically stated. As for the hardware device for implementing these steps, since the above embodiment has been specifically disclosed, the description thereof will not be repeated.

In the first payment method, in step 310, the user scans the payment barcode on the physical bill with the imaging component of the electronic device, and after the imaging component of the electronic device scans the payment barcode on the physical bill, according to the payment barcode, in step 340 , 350, 360, any one of the payment operations. In this way, the user does not need to pay the physical bill to the physical channel (such as a bank or a convenience store) to pay the bill, as long as the electronic device takes the barcode, the payment can be made anytime and anywhere.

In the second payment method, in step 320, the user inputs the payment code by using the input component of the electronic device, and after the input component of the electronic device obtains the payment code, the payment is performed according to any one of the steps 340, 350, and 360 according to the payment code. operation. In this way, the user does not need to go to the multimedia machine (MMK) of the convenience store to input the payment code, and then pay the bill printed by the multimedia machine to the counter. As long as the electronic device inputs the code, the payment can be made anytime and anywhere.

The third payment method, in step 330, the user's electronic device can receive an electronic message (eg, an electronic bill), and after the electronic component's transmission component receives the electronic message, the electronic message is converted into image data, and the image is recognized. Whether there is a payment barcode in the data, and when the payment barcode is judged to be read, the payment operation is performed in any of steps 340, 350, 360 according to the payment barcode. In this way, the user does not need to make complicated network payment through the electronic bill, and the electronic device 100 can take a bar code to pay the fee anytime and anywhere.

The payment operations implemented in steps 340, 350, 360 will be explained in more detail below.

The first type of payment flow, in step 340, links to a third party payment platform for debiting. In this way, the user selects the third-party payment function in the application, so that the electronic device can connect to the third-party payment platform through the transmission component.

The second payment flow, in step 350, online credit card payment. The user can select the online credit card function in the application to connect the electronic device to the online banking.

The third type of payment is to be paid in step 360 through an electronic coupon. Specifically, the imaging component of the electronic device scans the serial number recorded by the first barcode component of the electronic coupon and the password recorded by the second barcode component, and the transmission component of the electronic device transmits the serial number and password to the coupon management through the network. The system; when the coupon management system determines that the serial number matches the password, the balance of the electronic coupon is used to deduct the money, thereby allowing the coupon circulation function to be more.

In summary, the present invention starts with an integrated payment platform, and develops an application (APP) based on payment by an electronic device (such as a mobile phone), so that various payment rates can be performed by the mobile APP.

Although the present invention has been disclosed in the above embodiments, it is not intended to limit the present invention, and the present invention can be modified and modified without departing from the spirit and scope of the present invention. The scope is subject to the definition of the scope of the patent application attached.

300‧‧‧How to operate

310, 320, 330, 340, 350, 360‧‧‧ steps

Claims (10)

An operation method is applicable to an electronic device, the method includes: after receiving a electronic message by a transmission component of the electronic device, converting the electronic message into an image data, and identifying whether the image data has a payment barcode When the payment barcode is judged to be read, the payment operation is performed according to the payment barcode. The method of operation of claim 1, wherein the payment operation comprises linking to a third party payment platform for debiting. The method of operation of claim 1, wherein the payment operation comprises an online credit card payment. The method of operation of claim 1, wherein the payment operation comprises paying through an electronic coupon. The method of claim 4, wherein the electronic coupon payment comprises: scanning, by the imaging component of the electronic device, a serial number recorded by the first barcode component of the electronic coupon and a recorded by the second barcode component The password, the transmission component transmits the serial number and the password to a coupon management system via the network, and when the coupon management system determines that the serial number matches the password, the balance of the electronic coupon is used to debit. A computer program product, comprising an application, loading an application via an electronic device to perform an operation method, the method comprising: converting an electronic message to a transmission component of the electronic device after receiving an electronic message An image data is used to identify whether there is a payment barcode in the image data, and when the payment barcode is judged to be read, the payment operation is performed according to the payment barcode. The computer program product of claim 6, wherein the payment operation comprises linking to a third party payment platform for debiting. The computer program product of claim 6, wherein the payment operation comprises an online credit card payment. The computer program product of claim 6, wherein the payment operation comprises paying through an electronic coupon. The computer program product of claim 9, wherein the electronic coupon payment comprises: scanning, by the imaging component of the electronic device, a serial number recorded by the first barcode component of the electronic coupon and a second barcode component A password, the transmission component transmits the serial number and the password to a coupon management system via the network, and when the coupon management system determines that the serial number matches the password, the balance of the electronic coupon is used to debit.