Cross-border QR code payment system

Abstract

A cross-border QR code payment system includes an e-wallet server unit, a financial institution server unit, a management server unit, and an acquiring institution server unit. The e-wallet server unit transmits merchant information corresponding to a merchant identification code to a user terminal device and receives a transaction amount corresponding to the merchant information from the user terminal device. The acquiring institution server unit generates a transaction request containing the merchant information and the corresponding transaction amount based on a transaction notification and transmits it to the management server unit. The e-wallet server unit executes a wallet deduction procedure based on an account balance and the transaction amount included in the transaction request to generate a transaction completion notification containing the merchant information and the corresponding transaction amount.

Claims

1. A cross-border QR code payment system, suitable for communicating with a user terminal device and a merchant terminal device, comprising: an e-wallet server unit electrically connected to the user terminal device and storing user account information, the user account information including an account balance; a financial institution server unit electrically connected to the e-wallet server unit; a management server unit electrically connected to the financial institution server unit and storing multiple merchant identification codes and multiple merchant information corresponding to the merchant identification codes; and an acquiring institution server unit electrically connected to the management server unit and the merchant terminal device; the e-wallet server unit receives a merchant barcode from the user terminal device and transmits the merchant barcode to the financial institution server unit; the financial institution server unit transmits the merchant barcode to the management server unit; the management server unit identifies the merchant identification code that matches the merchant barcode, and the management server unit transmits the merchant information corresponding to the matching merchant identification code to the financial institution server unit; the financial institution server unit transmits the merchant information corresponding to the merchant identification code to the e-wallet server unit; The e-wallet server unit transmits the merchant information corresponding to the merchant identification code to the user terminal device, and receives a transaction amount corresponding to the merchant information from the user terminal device; the e-wallet server unit sends a transaction notification containing the merchant information and the transaction amount corresponding to the merchant information to the financial institution server unit; the financial institution server unit sends the transaction notification to the management server unit; the management server unit sends the transaction notification to the acquiring institution server unit; the acquiring institution server unit generates a transaction request containing the merchant information and the transaction amount corresponding to the merchant information based on the transaction notification, and sends the transaction request to the management server unit; the management server unit sends the transaction request to the financial institution server unit; the financial institution server unit sends the transaction request to the e-wallet server unit; the e-wallet server unit executes a wallet deduction procedure based on the account balance and the transaction amount included in the transaction request to generate a transaction completion notification containing the merchant information and the transaction amount corresponding to the merchant information; the e-wallet server unit sends the transaction completion notification to the financial institution server unit; the financial institution server unit sends the transaction completion notification to the management unit; The management server unit transmits the transaction completion notification to the acquiring institution server unit; the acquiring institution server unit transmits the transaction completion notification to the merchant terminal device.

2. The cross-border QR code payment system as described in claim 1, wherein, After the e-wallet server receives the transaction amount corresponding to the merchant information from the user's terminal device, it recalculates the transaction amount based on a conversion exchange rate and the transaction amount.

3. A cross-border QR code payment system, suitable for communicating with a user terminal device and a merchant terminal device, comprising: an e-wallet server unit electrically connected to the user terminal device and storing user account information, the user account information including an account balance; a financial institution server unit electrically connected to the e-wallet server unit; a management server unit electrically connected to the financial institution server unit and storing multiple merchant identification codes and multiple merchant information corresponding to the merchant identification codes; and an acquiring institution server unit electrically connected to the management server unit and the merchant terminal device; the e-wallet server unit receives a merchant barcode from the user terminal device and transmits the merchant barcode to the financial institution server unit; the financial institution server unit transmits the merchant barcode to the management server unit; the management server unit identifies the merchant identification code that matches the merchant barcode, and the management server unit transmits the merchant information corresponding to the matching merchant identification code to the financial institution server unit; the financial institution server unit transmits the merchant information corresponding to the merchant identification code to the e-wallet server unit; The e-wallet server unit transmits the merchant information corresponding to the merchant identification code to the user terminal device, and receives a transaction amount corresponding to the merchant information from the user terminal device; the e-wallet server unit executes a wallet deduction procedure based on the account balance and the transaction amount, and generates a transaction completion notification containing the merchant information and the transaction amount corresponding to the merchant information; the e-wallet server unit transmits the transaction completion notification to the financial institution server unit; the financial institution server unit transmits the transaction completion notification to the management server unit; the management server unit transmits the transaction completion notification to the acquiring institution server unit; the acquiring institution server unit transmits the transaction completion notification to the merchant terminal device.

4. The cross-border QR code payment system as described in claim 3, wherein, After the e-wallet server receives the transaction amount corresponding to the merchant information from the user's terminal device, it recalculates the transaction amount based on a conversion exchange rate and the transaction amount.

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