TWI643141B - Payment service equipment that can perform payment operations with multiple third-party payment platforms and payment method - Google Patents

Abstract

A payment service device and a payment method capable of performing payment operations with a plurality of third-party payment platforms, comprising: providing a payment server, and implementing a payment operation with a plurality of third-party payment platforms through the payment server, the transaction request end The data connection can be established through the payment server and the plurality of third-party payment platforms, and the payment service and the transaction information can be sent to the corresponding third-party payment platform through the payment server during the transaction of the commodity store and the consumer of the transaction requesting end. After confirming the processing result of the payment operation, the third-party payment platform replies the processing result and the settlement information to the transaction requesting end through the payment server; therefore, through the payment service device and the payment method of the present invention, the special store can provide the consumer more More third-party payment services.

Description

Payment service equipment that can perform payment operations with multiple third-party payment platforms and payment method

The invention relates to a payment device and a payment method for a third-party payment operation, in particular to a payment service device and a payment method capable of performing payment operations with a plurality of third-party payment platforms.

Third-party payment (Third-Party Payment) generally means that the payment method of the non-direct financial conversion between the buyer and the seller is a third-party payment; on the other hand, the payment of the payment using the smart phone has become more and more popular. Mobile payment allows consumers to pay without having to use cash or a physical payment card (such as a credit card, financial card or stored value card).

The third-party payment that is currently under development is basically one of the e-commerce. Although the types of third-party payment and the number of participants are known, the payment with the smart phone is the current mainstream application mode. There are many types of application modes known to be used for third party payment, as exemplified below.

One of the application modes uses Near Field Communication (NFC) technology combined with App software, which is connected to various financial cards or electronic wallets. Consumers use close-end stores that support NFC-enabled terminal devices for close range. Interconnection sensing can complete the payment. For example, the conversion of Point of Sales (POS) from China UnionPay Corporation to NFC-enabled "flash payment" is an example. However, to make With NFC, in addition to the NFC function of the smart phone, the payment card information must be written into the SIM card (Subscriber Identity Module), and the terminal device used in the special store (such as the point sales management system, POS for short) must also be hardware. The replacement of equipment, and the replacement of a large number of POS end equipment will cost a lot of money and time.

Another application mode uses QR-Code App software, which first connects to a credit card or financial card certified by a telecom operator. When it is consumed, it scans the QR-Code generated by the special store. Payment can be completed by connecting the back-end network card system or the financial card transfer system. For example, Starbuck Company of the United States virtualizes a member's stored-value card into an app. When a member starts an app payment on a smart phone, the QR bar code is first displayed on the smart phone, and the end-end device (such as a POS or cash register) of the special store is configured. The scanner reads the QR barcode to complete the payment.

Another application mode is to use the e-wallet directly through the smart phone's app software, and the transaction is settled by the end-to-end device of the Bluetooth or Sonic Link special store. At present, many special stores convert the physical stored value card or gift card (Gift Card) into This mode is used when mobile payment or third-party paid value-added accounts are to expand the payment service of the physical store. One of the known examples is the “sound wave payment” technology launched by the third-party payment provider “Alipay” in mainland China. After the consumer launches the app named Alipay Wallet among the smart phones, it then selects the goods of the vending machine. After clicking "pay in face" to confirm the payment, the smart phone sends a specific sound wave, and the payment can be completed offline at the vending machine.

From the various application examples described above in connection with third-party payment and mobile payment, it can be known that a mobile device, such as a smart phone, capable of data connection, such as a smart phone, can replace the physical credit card, financial card, stored value card, electronic ticket or cash. Concession store or sales terminal shopping Or the payment of the transaction at the same time, and Near Field Communication (NFC), Bluetooth, QR-code, and even sound waves can be applied to achieve third-party payment and action. Pay. Although various application modes combining third-party payment and mobile payment have been developed, for the special store, if it is to provide consumers with more third-party payment and mobile payment services, it is necessary to spend more hardware. Change cost and build time.

The present invention provides a payment service device and a payment method that can perform payment operations with a plurality of third-party payment platforms. With the payment service device and payment method of the present invention, the special store can provide more third-party payment services for consumers.

An embodiment of the payment service device that can perform payment operations with a plurality of third-party payment platforms includes at least one payment server (Pay Box), and the payment server includes: a communication module and a third-party payment module, and a communication module The group is used to establish a data connection with the transaction requesting end and the third-party payment platform; the third-party payment module is electrically connected with the communication module, and the third-party payment module obtains the payment request and the transaction information generated by the transaction requesting end through the communication module. The third-party payment module connects to the corresponding third-party payment platform through the communication module, performs payment operations according to a built-in payment processing program, and returns the processing result of the payment operation and the settlement information to the transaction requesting end.

In an embodiment of the present invention, the payment processing program built in the third party payment module includes a payment option program, and the payment option program can generate a transaction operation interface, and the transaction operation interface includes at least a plurality of payment options for the consumer. Select one of several third-party payment platforms for third-party payment operations.

In an embodiment of the present invention, a payment processing program built in a third party payment module This includes: a payment procedure that requests a third-party payment platform to pay for the purchase, and a refund procedure that requests the third-party payment platform to return the purchase price.

In an embodiment of the payment server of the present invention, a registration module is further included, and the special store stores the payment server of the present invention for the first time, and the initialization setting of the payment server can be completed through the registration module.

In an embodiment of the payment server of the present invention, a servo module is further included to serve a plurality of transaction request terminals.

In an aspect of the present invention, the payment server further includes: a point transaction system (POS) module (hereinafter referred to as a POS module) and a display, and the provider can directly use the payment server of the present invention without setting the terminal device. Trade with consumers and perform third-party payment operations.

Another embodiment of the payment service device of the present invention that can perform payment operations with a plurality of third-party payment platforms includes a plurality of payment servers and an attached balancer, and the balancer is connected to a plurality of transaction request terminals and a plurality of payment servers. Used to balance the load of several payment servers.

In one aspect of the invention, a method of implementing a payment operation with a plurality of third party payment platforms via the payment server is presented.

An embodiment of the payment method of the present invention for performing payment operations with a plurality of third-party payment platforms includes the steps of: providing a payment server and a transaction requesting end, and a plurality of third-party payment platforms to establish a data connection; accepting the transaction through the payment server Transaction request made by the requesting party and obtaining transaction information; Transmitting, by the payment server, a payment request and transaction information to the corresponding third-party payment platform according to the transaction request; obtaining, by the payment server, the processing result and the settlement information of the payment operation replied by the third-party payment platform; and the payment operation by the payment server The processing result and the checkout information are sent to the transaction requester.

In an embodiment of the method of the present invention, an option for providing a payment method is provided for the consumer to select a payment method, and a payment request and transaction information are sent to the corresponding third-party payment platform according to the payment method selected by the consumer.

In an embodiment of the invention, an embodiment of the transaction information includes: a consumer identity code, an order number, an order amount, and an ERP-specific field.

In an embodiment of the present invention, the identity identification code has different information forms according to the identity authentication manner of the third-party payment platform, including but not limited to any one of a two-dimensional barcode, a sound wave, and an account number, or a combination thereof.

In an embodiment of the invention, the identity identification code comprises any one or a combination of biometric features consisting of a fingerprint, a palm print, a pupil, and a face.

In an embodiment of the method of the present invention, the initialization setting of the payment server is further included, and the registration setting is used to perform initial setting of the payment server.

The payment service device and the payment method for the payment operation can be performed with the plurality of third-party payment platforms by the present invention, and the special store can quickly connect with the plurality of third payment platforms through the payment server without using too much hardware cost. Consumers have more third-party payment services.

10‧‧‧Payment Server

10A‧‧‧ Payment Service Server

20‧‧‧Communication Module

30‧‧‧ Third party payment module

40‧‧‧ Input device

50‧‧‧ Registration Module

60‧‧‧Servo Module

70‧‧‧Loading balancer

80‧‧‧ trading system module

81‧‧‧ display

M‧‧‧Mobile Vehicle

D‧‧‧End equipment

D01‧‧‧ display

F01‧‧‧ trading interface

P01‧‧‧ Payment Processing Procedure

P02‧‧‧Payment Option Program

P03‧‧‧Payment procedure

P04‧‧‧ refund procedure

S01‧‧‧ Third Party Payment Platform Options

S02‧‧‧Payment

S03‧‧‧ refund

TPP-A~TPP-D‧‧‧ third-party payment platform

1 is an architectural diagram of an embodiment of a payment service device that can perform payment operations with a plurality of third party payment platforms.

FIG. 2 is a flow chart of an embodiment of a payment method for a payment operation with a plurality of third-party payment platforms according to the present invention, illustrating a payment process through a third-party payment platform.

FIG. 3 is a flow chart of an embodiment of a payment method for a payment operation with a plurality of third-party payment platforms according to the present invention, illustrating a refund process through a third-party payment platform.

FIG. 4 is a flow chart showing an embodiment of a payment method for performing payment operations with a plurality of third-party payment platforms according to the present invention, and shows a process for initial setting of a payment server initial setting by a special store.

Figure 5 is a block diagram of another embodiment of a payment service device that can perform payment operations with a plurality of third party payment platforms.

Figure 6 is a block diagram of another embodiment of a payment service device that can perform payment operations with a plurality of third party payment platforms.

Figure 7 is a block diagram of an embodiment of a payment service device capable of performing payment operations with a plurality of third party payment platforms.

8A-8B are diagrams showing an embodiment of a transaction operation interface provided by the present invention.

The payment service device (hereinafter referred to as the payment service device) capable of performing payment operations with a plurality of third-party payment platforms is applied to a third-party payment service operation between the transaction requesting end and a plurality of third-party payment platforms, in the present invention In the embodiments disclosed below, the so-called transaction request side includes a consumer and a special store; in one of the embodiments disclosed below, the consumer may Using the mobile vehicle M to connect through the terminal equipment D of the special store (such as the point trading system - POS) and the payment service device of the present invention and the third party trading platform, the mobile vehicle disclosed in the following description and drawings is usually intelligent. The mobile phone, but not limited thereto; in a further embodiment of the present invention, the consumer can use the mobile vehicle to directly connect with the third party transaction platform through the payment service device of the present invention; therefore, when the consumer goes to the special store to conduct the transaction, The third-party payment service operation is performed by connecting the corresponding third-party payment platform to the payment service device of the present invention. Various embodiments of the payment service device of the present invention are described below in conjunction with the drawings.

[Example 1]

First, please refer to FIG. 1 , which is an architectural diagram of an embodiment of a payment service device capable of performing payment operations with a plurality of third-party payment platforms. An embodiment of the payment service device that can perform payment operations with a plurality of third-party payment platforms includes at least one payment server 10, and the payment server 10 includes: a communication module 20 and a third-party payment module 30, and a communication module Group 20 is used to establish data connection with the transaction requesting end and a plurality of third-party payment platforms TPP-A~TPP-D, usually through the Internet (Internet) and third-party payment platform TPP-A~TPP-D data connection. The third-party payment module 30 is electrically connected to the communication module 20, and the third-party payment module 30 obtains the payment request and transaction information generated by the transaction request terminal through the communication module 20, and the third-party payment The module 30 connects to the corresponding third-party payment platform (one of TPP-A~TPP-D) through the communication module 20, performs payment operations according to the built-in payment processing program P01, and processes the payment processing result and checkout The information is replied to the transaction requesting terminal via the communication module 20.

In an embodiment of the invention, the communication interface of the communication module 20 includes: an Ethernet, a universal serial bus (USB), a Bluetooth, and a wireless network ( WiFi), serial port (example): RS-232 serial port, near Near field communication (NFC), sonic transceiver (such as a combination of microphone and speaker), radio frequency identification (RFID), or any combination thereof.

In an embodiment of the present invention, the payment processing program P01 built in the third-party payment module 30 includes a payment option program P02, and the payment option program P02 can generate a transaction operation interface F01 (refer to FIG. 8A), and the transaction operation interface F01 is usually an application programming interface (API), and the transaction operation interface F01 can be displayed on the end device D of the special store (for example, the display D01 of the POS or a similar output device). In another embodiment, the transaction operation The interface F01 can be displayed on the display 81 connected to the payment server 10 (see Fig. 7). The transaction operation interface F01 can provide a payment option, and the payment option includes at least a plurality of third-party payment platform options S01 available for the consumer, and a payment option including the payment S02 and the refund S03 for the consumer to select (refer to FIG. 8B). And then generating a corresponding payment request and transaction information according to the payment option selected by the consumer, and the payment request includes at least one of a payment request and a refund request.

In an embodiment of the present invention, the payment processing program P01 built in the third-party payment module 30 further includes: a payment program P03 for requesting the third-party payment platform to pay the payment, and a refund program P04 for requesting the third-party payment platform to return the payment; The corresponding third-party payment platform is connected through the payment program and the refund program to perform payment and refund operations for the transaction amount between the account of the consumer and the account of the special merchant.

In an embodiment of the invention, the content of the transaction information includes: a consumer identity code, an order number, an order amount, and an ERP-specific field. In an embodiment, the order number, order amount, and ERP-specific fields may be generated by the end store of the contract store.

In an embodiment of the invention, wherein the identity identifier of the consumer is based on a third party There are different forms of information for the payment platform (one of TPP-A~TPP-D), including but not limited to the following: barcode, such as one generated by the APP software of the smart phone. Dimension bar code or 2D bar code; sound wave; account number, such as an account registered by a consumer on a third-party payment platform, or an account recognized by a third-party payment platform, such as an account of Facebook (Facebook) and LINE communication software; The identity identifier can be received by an input device 40 (such as, but not limited to, a bar code scanner, a keyboard, a handwriting input device, a sound wave receiver, and a camera) connected to a terminal device D (eg, a POS). It is transmitted to the payment server 10 of the present invention; in another example, the input device 40 can be directly connected to the communication module 20 of the payment server 10 of the present invention, and the third-party payment module 30 of the payment server 10 of the present invention directly connects through the connection. The input device 40 of the communication module 20 obtains the identity identifier of the consumer.

In an embodiment of the present invention, the identity identification code may also be any one or a combination of biometric features consisting of a fingerprint, a palm print, a pupil, and a face, and the identity identifier of the consumer may be connected to the end. An input device 40 of device D (e.g., POS), such as, but not limited to, a fingerprint scanner, a palmprint scanner keyboard, an iris scanner, and a camera, or any combination thereof, is received and transmitted to the payment server 10 of the present invention.

In an embodiment of the present invention, the ERP-specific field may be used in a JSON format to transmit information of an ERP transaction field, such as a material that has been registered with a third-party payment provider by a special store for use by a third-party payment platform in a consumer's account. Processing of the gold flow between the account of the special business desk, including: payment and refund of the transaction amount.

An embodiment of the payment method of the present invention for performing a payment operation with a plurality of third-party payment platforms includes the following steps: providing a payment server and a transaction requesting end, and establishing a data connection by a plurality of third-party payment platforms The payment server receives the payment request generated by the transaction requesting end, and obtains the transaction information; sends the payment request and the transaction information to the corresponding third-party payment platform through the payment server according to the transaction request; and obtains the reply from the third-party payment platform through the payment server. The processing result of the payment operation and the checkout information; and the processing result of the payment operation and the checkout information are sent to the transaction requesting end by the payment server.

Please refer to FIG. 2, which illustrates an example of a payment process for requesting a third party payment platform to perform a payment operation through the payment server of the present invention according to the above method steps of the present invention. The following description is for explaining the above method steps of the present invention, and is not for Limit its implementation.

As shown in Figure 2, first the consumer holds the mobile vehicle (such as a smart phone) to the counter of the special store for payment (step 201); the special store uses the terminal device for the checkout operation (step 202), the special store is usually Using the terminal device D to generate transaction information corresponding to the transaction content (for example: order number, order amount, and content of the ERP-specific field); when the consumer requests payment by the third-party payment method, it leads to the operation interface provided by the payment server of the present invention. (step 203); the consumer selects one of the third party payment platforms (eg, Alipay) and the payment option for payment (step 204) in the transaction interface (see Figures 8A and 8B); the consumer presents the identity with the mobile vehicle An identification code (for example, a two-dimensional barcode), and reading the identity identifier of the consumer via the barcode scanner and sending it to the payment server of the present invention (step 205); the payment server of the present invention generates a corresponding payment option according to the payment option selected by the consumer. The payment request (in this case, the payment request), the payment server of the present invention according to the content of the payment option (including the third-party payment platform - Alipay) and payment Request corresponding to third parties The application platform (API) of the payment platform establishes a data connection, and sends the payment request and transaction information to a third-party payment platform (step 206); the third-party payment platform performs identity verification on the identity identifier of the consumer, and passes the identity. After verifying and confirming the balance of the corresponding account, the payment can be made, the payment operation is performed according to the content of the transaction information (the corresponding fee is paid to the special store), and the processing result of the payment operation and the checkout information are returned to the payment server of the present invention. (step 207); the payment server of the present invention then returns the processing result of the payment operation and the settlement information to the terminal device D of the transaction requesting end via the communication module 20 (step 208); the terminal device D of the special store completes the checkout operation (step 209); then returning the processing result of the payment operation and the checkout information to the consumer (step 210) (may be sent to the mobile vehicle or directly displayed on the display D01 of the terminal device D).

In an embodiment of the method of the present invention, the method further includes a refund processing step of connecting a third-party payment platform by a refund program and performing a refund operation by the following steps, including: accepting a refund request by the transaction requesting end through the payment server And obtain the refund information; send a refund request and refund information to the corresponding third-party payment platform through the payment server according to the refund request; obtain the processing result and the result of the refund operation replied by the third-party payment platform through the payment server And the payment server sends the processing result of the refund operation and the checkout information to the transaction requesting end.

Please refer to FIG. 3, which illustrates an example of a refund process for requesting a third party payment platform to perform a refund operation through the above-described method steps of the present invention. The following description is illustrative of the steps of the method of the present invention. Used to limit its implementation.

As shown in Figure 3, first the consumer holds a mobile vehicle (such as a smart phone) to Refunds are made at the counters of the special store (step 301); the special store uses the terminal equipment to perform the refund operation (step 302); when the consumer wants to perform the refund operation of the third-party payment platform, the special store can use the terminal device D to guide the book. Inventing the operation interface F01 provided by the payment server (see Figures 8A and 8B) (step 303); the consumer selects one of the third-party payment platforms (such as Alipay) for which the refund operation is to be performed on the transaction operation interface, and the refund Payment option, and querying the transaction information of the previous payment operation (including the order number, the order amount, and the ERP-specific field) through the terminal device (step 304); the payment server of the present invention generates a corresponding payment request according to the payment option selected by the consumer. (in this example, a refund request), the payment server of the present invention establishes a data connection with the application interface (API) of the corresponding third-party payment platform according to the content of the payment option (including the refund request and transaction information), and Sending payment requests and transaction information to a third-party payment platform (step 305); third-party payment platforms are based on payment requests and transaction information The content is refunded (returning the corresponding fee from the account of the special store to the account of the consumer), and the processing result of the payment operation and the checkout information are returned to the payment server of the present invention (step 306); The processing result of the payment operation and the settlement information are returned to the terminal device D of the transaction requesting end via the communication module 20 (step 307); the terminal device D of the special store completes the refunding operation (step 308); and then the processing result of the payment job is completed. And the checkout information is returned to the consumer (step 309) (may be sent to the mobile vehicle M, or directly to the display D01 of the terminal device D).

In an embodiment of the payment server 10 of the present invention, as shown in FIG. 1, a registration module 50 is further included. For a special store registered as a third-party payment platform, the payment server 10 of the present invention can be used for the first time. The third party payment platform registration is completed through the registration module 50, and the initialization setting of the payment server 10 is completed, so that the payment server 10 of the present invention can be quickly utilized to provide consumers with more third party payment services.

Regarding the initial setting procedure of installing the payment server of the present invention for the first time, please refer to FIG. 4, which shows the setting procedure of the initial setting of the payment server by the registration module after installing the payment server of the present invention for the first time. The initialization setting process as shown in FIG. 4 includes: the special store can use the terminal device to connect to the payment server of the present invention and enter a setting page generated by the registration module (step 401); and then input the special store has paid the platform to the third party. Registered and approved registration information (step 402); the payment server of the present invention sends the registration information to the third-party payment platform for registration check (step 403); the third-party payment platform replies the registration result to the payment server of the present invention (step 404); The inventing payment server transmits the reply registration result to the end device to complete the setting (step 405).

[Example 2]

As shown in FIG. 5, the architecture of the payment service device that can perform payment operations with a plurality of third-party payment platforms is substantially the same as that of Embodiment 1, except that the payment server 10 further includes a servo module 60. Instead, it becomes a payment service server 10A, and therefore, the payment service server 10A will be able to serve a plurality of transaction request terminals (including the mobile vehicle M and the terminal device D).

[Example 3]

As shown in FIG. 6, another embodiment of the payment service device in which the present invention can perform payment operations with a plurality of third-party payment platforms is basically the same as Embodiment 2 except that the architecture of the payment service device is Further comprising a plurality of payment service servers 10A and an attached balancer 70, the load balancer 70 is connected to a plurality of transaction request terminals (including the mobile vehicle M and the terminal device D) and a plurality of payment service servers 10A for The load of several payment service servers 10A is allocated.

[Embodiment 4]

As shown in FIG. 7, another embodiment of the payment service device in which the present invention can perform payment operations with a plurality of third-party payment platforms is substantially the same as Embodiment 1, except that the payment server 10 further includes a transaction. System (POS) module 80 (hereinafter referred to as POS module) and a display 81, the special store can directly use the payment server 10 of the present invention and the consumer (for example, the consumer holds the device D without setting the terminal device D). Action Vehicle M) Conduct transactions and third party payment operations. In one aspect, the aforementioned input device 40 (such as, but not limited to, a bar code scanner, a keyboard, a handwriting input device, a sound wave receiver, and a camera) can be directly coupled to the communication module 20 of the payment server 10 of the present invention. The third-party payment module 30 of the payment server 10 of the present invention directly obtains information related to the transaction through the input device 40 connected to the communication module 20, such as but not limited to the identity identifier of the consumer, and reads by using the barcode scanner. The barcode of the product is used for the checkout operation.

In the above embodiments of the present invention, the disclosed communication module 20, the third-party payment module 30, the registration module 50, the servo module 60, and the POS module 80 are generally permeable to firmware or through software. The computer architecture of hardware and hardware is implemented, and those skilled in the art will be able to understand and implement it after fully understanding the technical contents disclosed in the present invention.

While the present invention has been described above by way of example, the present invention is not intended to limit the invention, and the invention may be modified and modified without departing from the spirit and scope of the invention. The scope of patent protection shall be subject to the definition of the scope of the patent application.

Claims (12)

A payment service device that can perform payment operations with a plurality of third-party payment platforms, and is applied to a third-party payment service between a transaction requesting end and a third-party payment platform, comprising: at least one payment server, wherein the payment server comprises: a communication module a registration module and a third-party payment module, the communication module is configured to establish a data connection with the transaction requesting end and the third-party payment platform; the registration module generates a setting page for the transaction requesting end to input Registration information registered and approved by the third-party payment platform, the registration module sends the registration information to the third-party payment platform through the communication module for registration check, and completes the payment server and the transaction after passing the registration check The initial setting of the requesting end further provides a third-party payment service between the transaction requesting end and the third-party payment platform; the third-party payment module is electrically connected to the communication module, and the third-party payment module transmits the communication module The group obtains the payment request and transaction information generated by the transaction requesting end, and the third party payment module transmits the communication module Receiving the corresponding third-party payment platform and performing a payment operation according to a built-in payment processing program, and returning the processing result of the payment operation and the settlement information to the transaction requesting end, the payment processing program includes a payment option program. The payment option program can generate a transaction interface that provides payment options, the payment option including at least a plurality of third party payment platform options available to the consumer, and a payment option including payment and refund, the The three-party payment module obtains the corresponding payment request and the transaction information according to the payment option selected by the consumer, wherein the payment request includes at least one of a payment request and a refund request. The payment service device capable of performing payment operations with a plurality of third-party payment platforms, as described in claim 1, the communication interface of the communication module includes: Ethernet, universal serial bus, Bluetooth, wireless network, and string Lennon, near field communication, sonic transceiver, radio frequency identification Kind or a combination thereof. The payment service device capable of performing a payment operation with a plurality of third-party payment platforms, as described in claim 1, the payment server includes a point transaction system module and a display, and the display is connected with the communication module to display the transaction operation interface. . The payment service device capable of performing payment operations with a plurality of third-party payment platforms, as described in claim 1, the payment processing program comprising: requesting payment procedures for payment by the third-party payment platform, and requesting the third-party payment platform to return the payment. Refund procedure. The payment service device that can perform payment operations with a plurality of third-party payment platforms, as described in claim 1, the content of the transaction information includes: a consumer identity code, an order number, an order amount, and an ERP-specific field. The payment service device that can perform a payment operation with a plurality of third-party payment platforms, wherein the communication module of the payment server is connected to at least one input device, and the input device is configured to obtain the identity identification of the consumer. code. A payment service device capable of performing a payment operation with a plurality of third party payment platforms, as described in claim 6, the input device comprising any one or a combination of a bar code scanner, a keyboard, a handwriting input device, a sound wave receiver, and a camera. The payment service device that can perform a payment operation with a plurality of third-party payment platforms, as described in claim 1, wherein the payment server includes a server module to form a payment service server for serving a plurality of the transaction request terminals. A payment service device capable of performing payment operations with a plurality of third-party payment platforms, as described in claim 8, comprising a plurality of the payment service servers and an attached balancer, the load balancer and the plurality of transaction request terminals and the plurality of The payment service server is connected to allocate a number of the payment The load of the service server. A payment method for performing a payment operation by using a payment service device according to any one of claims 1 to 9 and a plurality of third-party payment platforms, comprising: providing the payment server and the transaction requesting end and a plurality of the third party payment The platform establishes a data connection; accepts a payment request generated by the transaction requesting end by the payment server, and obtains transaction information; provides a payment option for the consumer to select a third-party payment platform that can provide a third-party payment service, and selects according to the consumer The payment option sends the payment request and the transaction information to the corresponding third-party payment platform; the payment option includes at least a plurality of third-party payment platform options available to the consumer, and a payment option including payment and refund; Transmitting, by the payment server, sending the payment request and the transaction information to the corresponding third-party payment platform; obtaining, by the payment server, a processing result of the payment operation and the settlement information replied by the third-party payment platform; and passing the payment The server processes the payment operation and the checkout Be sent to the transaction requester. The payment method as claimed in claim 10, wherein the content of the transaction information includes: a consumer identity code, an order number, an order amount, and an ERP-specific field. The payment method of claim 11, comprising: a payment step of requesting the third party payment platform to pay the payment, and a refund step of requesting the refund of the third party payment platform, the payment step comprising obtaining the identity identifier of the consumer, and Sending the identity code to the third party to pay Steps to verify the platform.