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MULTIPLE PAYMENT

Overview

Multiple payment is a process that provides physical or online stores to complete customer payments with any type of electronic or cashless payment. Nowadays, it includes credit card payment, QR code payment, loyalty points payment, electronic transport ticket payment (e.g., EasyCard, iPASS), direct carrier billing, etc. Furthermore, the industry is evolving toward AI agent-based commerce and transaction security technologies to establish a secure multi-payment environment. According to the "World Payments Report 2026" published by Capgemini, the growth momentum of global non-cash transactions is strong, with the volume expected to double from 2024 to 2029, exceeding 3.5 trillion transactions. In response to future AI development trends, continuous investment is being directed into the research and development of technologies such as AI agent-based commerce to meet the demands of next-generation business applications.
MULTIPLE PAYMENT

CORE TECHNOLOGY

  • Intelligent Payment Gateway Technology
  • Accept Contactless Payments with NFC Technology
  • Mobile Payment with Credit Card Tokenization and Encryption Technology
  • Direct Carrier Billing Technology
  • AI Agent-based Transaction Technology

Multiple payment usage scenarios

MULTIPLE PAYMENT

Application Status

  • Provide multiple payment gateways for restaurants, retail, transportation, parking, medical care, and multiple payment collection services for county and city governments. Currently, it supports 27 payment tools.
  • Mobile payment technology is applied to Chunghwa Telecom Hi QR Pay APP to provide store-specific scanning code payment service.
  • The Direct Carrier Billing technology is applied to Chunghwa Telecom's mobile bill collection service. Making use of the personalization and security mechanism of mobile phones. We provide consumers with Chunghwa Telecom's mobile phone equipment for consumption deduction. And charges are incorporated into mobile telecommunications bills. With monthly follow-up Mobile telecommunications billing allows mobile phone customers to have a more convenient payment choice for their Internet consumption.
  • AI agent-based commerce architecture is currently in the early exploration phase, with development moving toward enabling AI agents to securely interact with merchant APIs, initiate purchases, and manage settlement processes.
  • A total of 10 related patents (granted and pending) as of 2026.