CN103679531A - Mobile financial transaction system and method - Google Patents

Abstract

A mobile financial transaction system and method are applied in the mobile payment and financial security service platform environment. When a handheld mobile communication device is used to conduct a mobile transaction, after obtaining the checkout information through the network and/or image capture, a microSD flash memory card with personalized financial information and an embedded security chip and/or a near field communication (NFC) sensing payment device are used to obtain the payment information, and the payment information is transmitted to a payment gateway to complete the financial transaction. The subsequent financial services provided by the secure value-added service platform can be carried out to realize a safe and convenient mobile payment mechanism and financial value-added services.

Description

Mobile financial transaction system and method

technical field

The present invention relates to a financial transaction system and method. More specifically, it relates to a mobile financial transaction system and method applied to a mobile payment and financial security service platform environment to provide safe and convenient mobile financial and value-added services.

Background technique

In the current mobile financial services, users can use personal computers, notebook computers, and tablet computers to obtain online banking services through the Internet. However, the biggest disadvantage of this type of mobile financial services is that due to network security problems, and often put users' financial accounts at great risk of being stolen by others.

Moreover, in the mobile financial service level of the current mobile phone, the financial service that can be provided is that after the credit card is swiped, the transaction amount and content will be notified to the user in the form of a short message, but other services cannot be provided. The reason is that However, since the mobile financial information is not encrypted and decrypted, there are potential information security concerns in the transmission of information between the mobile phone and the mobile financial server.

In addition, with the rapid development of mobile communication technology, the continuous improvement of wireless data transmission rate, and the popularization of mobile communication devices or mobile phones, mobile communication devices or mobile phones have become mobile payment tools in mobile financial transactions. , for example, online shopping and payment in the electronic store on the webpage displayed on the screen, however, as far as the payment mechanism of the mobile phone is concerned, it still does not deviate from the small payment form and/or online shopping credit card number provided by the mobile phone operator Payment methods and/or ATM transfer methods. However, these payment mechanisms either have security issues in financial transactions or convenience issues. Therefore, there is still room for improvement in mobile shopping and payment mechanisms.

Therefore, how to find a mobile financial transaction system and method that can provide a safe and convenient mobile shopping and payment mechanism when performing mobile financial transaction services, and can provide financial value-added services, and after the financial transaction is completed, it can be done in a safe and confidential manner. Providing confirmation notification messages is an issue to be resolved.

Contents of the invention

The main purpose of the present invention is to provide a mobile financial transaction system and method, which can be applied in the mobile payment and financial security service platform environment, and can provide a safe and convenient mobile shopping and payment mechanism when performing mobile financial transaction services. Provide financial value-added services, and after the financial transaction is completed, a confirmation notification message can be provided in a safe and confidential manner.

Yet another object of the present invention is to provide a mobile financial transaction system and method, which can be applied to mobile payment and financial security service platform environments, and provide easy-to-use and install microSD cards with personalized financial information and embedded security chips. Flash memory card and/or NFC (Near Field Communication) induction payment device, as well as subsequent financial services provided by payment gateway and Secure Value Added Service platform to achieve security and convenience Mobile payment mechanism and financial value-added services.

Another object of the present invention is to provide a mobile financial transaction system and method, which can be applied in mobile payment and financial security service platform environment, combined with microSD flash memory card and/or with personalized financial information and embedded security chip Or short-range wireless communication NFC method and/or image capture, as well as payment gateway and security value-added service platform, so as to realize safe and convenient mobile payment mechanism and financial value-added service.

According to the purpose described above, the present invention provides a mobile financial transaction system, which at least includes a microSD flash memory card with personalized financial information and an embedded security chip, a payment gateway, and a security value-added service platform , wherein, the microSD flash memory card with personalized financial information and built-in security chip is located in a hand-held mobile communication device, such as Android mobile phone, iPhone, tablet computer, iPad.

The microSD flash memory card with personalized financial information and embedded security chip, the microSD flash memory card with mobile payment application App (Payment App) with personalized financial information and embedded security chip is located in the handheld mobile communication In the device (for example, Android mobile phone, iPhone, tablet computer, iPad); when the mobile payment application App obtains the checkout information through the network and/or image capture of the handheld mobile communication device, the payment information will be generated, and By using a handheld mobile communication device, using a microSD flash memory card with personalized financial information and a built-in security chip and/or short-range wireless communication NFC (Near Field Communication) to sense the payment device to obtain payment information, and the payment The information is sent to the payment gateway.

Payment gateway, the payment gateway can be located at the cash flow acquiring end as a payment mechanism. After receiving the payment information, the payment gateway will be connected to the bank acquiring system to successfully complete the financial transaction.

Security value-added service platform. When the financial transaction is completed, the bank acquiring system will send the transaction information to the security value-added service platform connected with it, and the security value-added service platform will provide its follow-up financial services to achieve a safe and convenient mobile payment mechanism and financial Value-added services, here, the follow-up financial services are, for example, sending transaction messages or short messages to the handheld mobile device that completes the mobile financial transaction, informing the user that the mobile financial transaction has been completed, and/or, timing or not Regularly send the security statement to the handheld mobile device in the form of message or short message to inform the user.

When using the mobile financial transaction system of the present invention to carry out the flow of the mobile financial transaction method, first, the handheld mobile communication device will be used to allow the mobile payment application program App to be obtained through the network and/or image capture of the handheld mobile communication device Checkout information; then, after obtaining the checkout information, the mobile payment application App will use a microSD flash memory card with personalized financial information and an embedded security chip and/or short-range wireless communication NFC to sense the payment device Generate payment information, and transmit the payment information to the payment gateway through the handheld mobile communication device; then, after receiving the payment information, the payment gateway will connect to the bank acquiring system to successfully complete the financial transaction; and , when the financial transaction is completed, the bank acquiring system will send the transaction information to the security value-added service platform connected with it, and the security value-added service platform will provide its follow-up financial services to achieve a safe and convenient mobile payment mechanism and Financial value-added services, here, the follow-up financial services are, for example, sending transaction messages or short messages to handheld mobile devices that complete mobile financial transactions, informing users that the mobile financial transactions have been completed, and/or, timing or From time to time, the security statement is sent to the handheld mobile device in the form of message or short message to inform the user.

In order to make those skilled in the art understand the purpose, features and effects of the present invention, the present invention is described in detail as follows by the following specific embodiments and in conjunction with the accompanying drawings:

Description of drawings

FIG. 1 is a schematic diagram of a system, which is used to illustrate the system architecture and operation of the mobile financial transaction system of the present invention;

Fig. 2 is a flow chart, is used for displaying and explaining the process steps of using the mobile financial transaction system of the present invention as in Fig. 1 to carry out the mobile financial transaction method;

FIG. 3 is a schematic diagram for illustrating an embodiment of the mobile financial transaction system of the present invention and its operation;

Fig. 4 is a flow chart, is used for displaying and explaining the process steps of using the embodiment of the mobile financial transaction system of the present invention as in Fig. 3 to carry out the mobile financial transaction method;

Fig. 5 is a schematic diagram for illustrating yet another embodiment of the mobile financial transaction system of the present invention and its operation; and

FIG. 6 is a flow chart for illustrating the process steps of a mobile financial transaction method using another embodiment of the mobile financial transaction system of the present invention as shown in FIG. 5 .

Wherein, the reference signs are explained as follows:

1 Mobile Financial Trading System

2 MicroSD flash memory card with personalized financial information and embedded security chip

3 payment gateway

4 Security value-added service platform

5 Handheld mobile communication device

6 wireless network

7 website

8 Cash flow receiving end

9 Bank acquiring system

10 Cash Flow Receiver

11 Bank acquiring system

21 Mobile Payment Application App

22 memory card interface

23 control chip

24 flash modules

25 security control chip

26 microSD interface

27 Personalized financial information

31 32 33 34 steps

41 42 43 44 steps

51 52 53 54 steps

100 Checkout Information

110 Checkout Information

200 payment information

210 Payment Information

300 transaction message

310 transaction information

400 Transaction SMS

410 Transaction SMS

500 Security Statement

Detailed ways

FIG. 1 is a schematic diagram of the system, which is used to illustrate the system architecture and operation of the mobile financial transaction system of the present invention. As shown in Figure 1, the mobile financial transaction system 1 at least includes a microSD flash memory card 2 with personalized financial information and an embedded security chip, a payment gateway 3, and a security value-added service platform 4, wherein the personalized The financial information and the microSD flash memory card 2 embedded with the security chip are located in the handheld mobile communication device (not shown in the figure, for example, Android mobile phone, iPhone, tablet computer, iPad).

A microSD flash memory card 2 with personalized financial information and an embedded security chip, the microSD flash memory card 2 with personalized financial information and an embedded security chip has a mobile payment application App21; when the mobile payment application App21 passes After obtaining the checkout information (not shown) through the network (not shown) and/or image capture (not shown) of the handheld mobile communication device, it will use the personalized financial information and embedded security chip The microSD flash memory card and/or the short-range wireless communication NFC method induces the payment device to generate payment information (not shown in the figure), and uses the handheld mobile communication device to transmit the payment information to Payment Gateway3.

Payment gateway 3, the payment gateway 3 can be located at the cash flow acquiring end (not shown in the figure) as a payment mechanism, and the payment gateway 3 will be connected to the bank acquiring system (not shown in the figure) after receiving the payment information, To successfully complete financial transactions.

Security value-added service platform 4. After the financial transaction is completed, the bank acquiring system transmits the transaction message (not shown) to the security value-added service platform 4 connected with it, and the security value-added service platform 4 will provide its follow-up mobile financial services to realize Safe and convenient mobile payment mechanism and financial value-added services. Here, the follow-up mobile financial services are, for example, sending confidential/encrypted transaction messages or short messages to handheld mobile devices that complete mobile financial transactions (not shown in the figure) output), notify the user that the mobile financial transaction has been completed, and/or, regularly or irregularly, send the security statement to the handheld mobile device in a confidential/encrypted message or short message to inform the user.

FIG. 2 is a flowchart for illustrating the process steps of the mobile financial transaction method using the mobile financial transaction system of the present invention as shown in FIG. 1 . As shown in Figure 2, first, in step 31, the billing information is obtained through the network and/or image capture; the handheld mobile communication device will be used to allow the mobile payment application App to pass through the network of the handheld mobile communication device And/or image capture to obtain checkout information, and go to step 32.

In step 32, the payment information is generated and sent to the payment gateway; when the checkout information is obtained, the mobile payment application App will use the microSD flash memory card with personalized financial information and embedded security chip and/or Or short-distance wireless communication NFC method induction payment device generates payment information, and by handheld mobile communication device, utilizes wireless communication method, and this payment information is sent to payment gateway, and enters step 33; Here, for example, the The short-range wireless communication NFC method induces the payment device to generate payment information, which refers to the use of a mobile device with NFC function to read non-contact or contactless financial cards and/or credit cards and/or transportation cards, etc. and/or any payment function A contactless chip card that generates financial information.

In step 33 , after receiving the payment information, the payment gateway will connect to the bank acquiring system to complete the financial transaction, and proceed to step 34 .

In step 34, after the financial transaction is completed, the follow-up financial services provided by the Secure Value Added Service platform can be performed; the bank acquiring system sends the transaction information to the connected Secure Value Added Service platform, the The security value-added service platform will provide its follow-up mobile financial services to realize safe and convenient mobile payment mechanisms and financial value-added services. Here, the follow-up financial services are, for example, handheld mobile financial services that can complete mobile financial transactions. The device sends a transaction message or a short message to notify the user that the mobile financial transaction has been completed, and/or regularly or irregularly sends the security statement to the handheld mobile device in the form of a message or short message to inform the user.

FIG. 3 is a schematic diagram for illustrating an embodiment and operation of the mobile financial transaction system of the present invention. As shown in Figure 3, the mobile financial transaction system 1 at least includes a microSD flash memory card 2 with personalized financial information and an embedded security chip, a payment gateway 3, and a security value-added service platform 4, wherein the personalized Financial information and a microSD flash memory card 2 embedded with a security chip are located in a handheld mobile communication device 5, such as an Android phone. The microSD flash memory card 2 with personalized financial information and a built-in security chip has at least mobile payment In addition to the application program App21, it can further include a memory card interface 22 and/or a control chip 23 and/or a flash memory module 24 and/or a security control chip 25 and/or a microSD interface 26 and/or a personalized financial information 27, so as to communicate with The handheld mobile communication device 5 provides other corresponding services in conjunction with and/or according to user needs.

The microSD flash memory card 2 with personalized financial information and embedded security chip will generate payment information 200 after the mobile payment application program App21 obtains the billing information 100 through the wireless network 6 of the handheld mobile communication device 5 , And by handheld mobile communication device 5, utilize wireless communication, and this payment information 200 is sent to payment gateway 3; webpage (not shown) and/or shopping program (not shown in the figure) to purchase the desired product (not shown), after the product is selected and purchased, the shopping page where the shopping page is located and/or the shopping program is located The connected website 7 will generate checkout information 100 according to the purchase situation of the commodity, and transmit it to the handheld mobile communication device 5 via the wireless network 6 .

Payment gateway 3, the payment gateway 3 can be located at the cash flow acquirer 8 as a payment mechanism. After receiving the payment information 200, the payment gateway 3 will connect to the bank acquirer system 9 to successfully complete the financial transaction.

Security value-added service platform 4. After the financial transaction is completed, the bank acquiring system 9 transmits the transaction message 300 to the security value-added service platform 4 connected with it, and the security value-added service platform 4 will provide its follow-up mobile financial services to achieve safe and convenient Mobile payment mechanism and financial value-added service. Here, the follow-up mobile financial service is, for example, a confidential/encrypted transaction message or short message 400 that can be sent to the hand-held mobile device 5 that completes the mobile financial transaction to notify the user of the action. The financial transaction is completed.

FIG. 4 is a flowchart for illustrating the process steps of the mobile financial transaction method using the embodiment of the mobile financial transaction system of the present invention as shown in FIG. 3 . As shown in Fig. 4, first, at step 41, the billing information 100 is obtained via the wireless network 6; the handheld mobile communication device 5 will be used to allow the mobile payment application program App21 to pass through the wireless network of the handheld mobile communication device 5 6. Acquire the billing information 100, and proceed to step 42.

In step 42, the payment information 200 is generated and sent to the payment gateway 3; after obtaining the billing information 100, the mobile payment application program App21 will generate the payment information 200, and through the handheld mobile communication device 5, The payment information 200 is transmitted to the payment gateway 3 by wireless communication, and the process proceeds to step 43 .

In step 43 , after receiving the payment information 200 , the payment gateway 3 will connect to the bank acquiring system 9 to complete the financial transaction, and proceed to step 44 .

In step 44, after the financial transaction is completed, the follow-up financial services provided by the security value-added service platform 4 can be performed; the bank acquiring system 9 sends the transaction message 300 to the security value-added service platform 4 connected to it, and the security The value-added service platform 4 will provide its follow-up mobile financial services to realize safe and convenient mobile payment mechanisms and financial value-added services. Here, the follow-up financial services are, for example, handheld mobile devices that can complete mobile financial transactions. The device 5 sends a confidential/encrypted transaction message or short message 400 to notify the user that the mobile financial transaction has been completed.

FIG. 5 is a schematic diagram for illustrating yet another embodiment of the mobile financial transaction system of the present invention and its operation. As shown in Figure 5, the mobile financial transaction system 1 at least includes a microSD flash memory card 2 with personalized financial information and an embedded security chip, a payment gateway 3, and a security value-added service platform 4, wherein the personalized The financial information and the microSD flash memory card 2 embedded with the security chip are located in the handheld mobile communication device 5, such as a tablet computer.

A microSD flash memory card 2 with personalized financial information and an embedded security chip, the microSD flash memory card 2 with personalized financial information and an embedded security chip has a mobile payment application App21; when the mobile payment application App21 passes After the wireless network 6 and image capture of the handheld mobile communication device 5 obtains the billing information 110, it will use the microSD flash memory card with personalized financial information and embedded security chip and/or the short-range wireless communication NFC method to sense The payment device generates payment information 210, and transmits the payment information 210 from the handheld mobile communication device 5 to the payment gateway 3 by means of wireless communication through the handheld mobile communication device 5; The camera (not shown) of the mobile communication device 5 captures the barcode image of the checkout information and analyzes it to generate the checkout information 110 .

Payment gateway 3, the payment gateway 3 can be located at the cash flow acquiring terminal 10, and can be a short-range wireless communication NFC induction payment mechanism. After receiving the payment information 210, the payment gateway 3 will be connected to the bank acquiring system 11, To successfully complete financial transactions.

Security value-added service platform 4. After the financial transaction is completed, the bank acquiring system 11 sends the transaction message 310 to the security value-added service platform 4 connected with it, and the security value-added service platform 4 will provide its follow-up mobile financial services to achieve safe and convenient Mobile payment mechanism and financial value-added service. Here, the follow-up mobile financial service is, for example, a confidential/encrypted transaction message or short message 410 that can be sent to the hand-held mobile device 5 that completes the mobile financial transaction to notify the user of the action. The financial transaction has been completed, and/or, the security statement 500 is sent to the handheld mobile device 5 in the form of a confidential/encrypted message or short message to inform the user.

FIG. 6 is a flow chart for illustrating the process steps of a mobile financial transaction method using another embodiment of the mobile financial transaction system of the present invention as shown in FIG. 5 . As shown in Figure 6, first, at step 51, the billing information 110 is obtained through the wireless network 6 or image capture; the handheld mobile communication device 5 will be used to allow the mobile payment application program App21 to pass through the handheld mobile communication device 5 wireless network 6 or image capture to obtain the billing information 110, and proceed to step 52.

In step 52, the payment information 210 is generated and sent to the payment gateway 3; after obtaining the checkout information 110, the mobile payment application program App21 will use the microSD flash memory with personalized financial information and embedded security chip The payment information 210 is generated by the card and/or short-range wireless communication (NFC) induction payment device, and the payment information 210 is transmitted to the payment gateway 3 through the handheld mobile communication device 5 by means of wireless communication, and then proceeds to step 53 .

In step 53 , after receiving the payment information 210 , the payment gateway 3 will connect to the bank acquiring system 9 to complete the financial transaction, and proceed to step 54 .

In step 54, after the financial transaction is completed, follow-up financial services provided by the security value-added service platform 4 can be performed; the bank acquiring system 9 sends the transaction message 310 to the security value-added service platform 4 connected with it, and the security value-added service platform 4 The value-added service platform 4 will provide its follow-up mobile financial services to realize safe and convenient mobile payment mechanisms and financial value-added services. Here, the follow-up mobile financial services are, for example, hand-held financial services that can complete mobile financial transactions The mobile device 5 transmits a confidential/encrypted transaction message or short message 410 to notify the user that the mobile financial transaction has been completed, and/or transmits the security statement 500 to the handheld mobile device in a confidential/encrypted message or short message. device 5 to inform the user.

Combining the above embodiments, we can obtain a mobile financial transaction system and method of the present invention, which can be applied to mobile payment and financial security service platform environments. Using the mobile financial transaction system and method of the present invention, it can be used in hand-held mobile When the communication device conducts mobile transactions, after obtaining the checkout information through the network and/or image capture, use the microSD flash memory card with personalized financial information and embedded security chip and/or short-range wireless communication NFC to sense The payment device generates payment information, and transmits the payment information to the payment gateway to complete the financial transaction, and can perform subsequent financial services provided by the security value-added service platform, so as to realize a safe and convenient mobile payment mechanism and financial value-added services . The mobile financial transaction system and method of the present invention include the following advantages:

When conducting mobile financial transaction services, it can provide safe and convenient mobile shopping and payment mechanisms, and can provide financial value-added services. After the financial transaction is completed, it can provide confirmation notification messages in a safe and confidential manner.

Provide easy-to-use and install microSD flash memory cards with personalized financial information and embedded security chips and/or short-range wireless communication NFC induction payment devices, as well as follow-up services provided by payment gateways and security value-added service platforms Financial services to achieve safe and convenient mobile payment mechanisms and financial value-added services.

Combined with microSD flash memory card with personalized financial information and built-in security chip and/or short-range wireless communication NFC method and/or image capture, as well as payment gateway and security value-added service platform, it can achieve security and convenience Mobile payment mechanism and financial value-added services. When conducting mobile financial services, it can improve network security and reduce the risk of account theft.

The above descriptions are only preferred embodiments of the present invention, and are not intended to limit the scope of the present invention; all other equivalent changes or modifications that do not deviate from the spirit disclosed by the present invention should be included in the following patents within range.

Claims (11)

1. A mobile financial transaction method, applied in mobile payment and financial security service platform environment, characterized in that it comprises the following procedures: Handheld mobile devices obtain checkout information through wireless networks and/or image capture; After obtaining the checkout information, generate payment information, and send the payment information to the payment gateway; After receiving the payment information, the payment gateway will connect to the bank acquiring system to complete the financial transaction; and After the financial transaction is completed, subsequent financial services provided by the security value-added service platform can be performed. 2. The mobile financial transaction method according to claim 1, wherein the subsequent financial service is that the security value-added service platform can send encrypted transaction messages or short messages to the handheld mobile device that completes the financial transaction. information, notifying that the financial transaction has been completed, and/or sending the security statement to the handheld mobile device in the form of a message or short message at regular or irregular intervals. 3. A mobile financial transaction method, applied to mobile payment and financial security service platform environments, characterized in that it includes the following procedures: The mobile payment application App in the microSD flash memory card with personalized financial information and embedded security chip in the handheld mobile communication device obtains the result through the wireless network and/or image capture of the handheld mobile communication device account information; After obtaining the checkout information, the mobile payment application App will use the microSD flash memory card with personalized financial information and embedded security chip and/or the short-range wireless communication NFC method to induce the payment device to generate payment information, and borrow Using the handheld mobile communication device to transmit the payment information to the payment gateway by means of wireless communication; After receiving the payment information, the payment portal will connect to the bank acquiring system to complete the financial transaction; and The bank acquiring system transmits the transaction information to the security value-added service platform connected with it, and the security value-added service platform will provide its follow-up mobile financial services. 4. The mobile financial transaction method according to claim 3, characterized in that, the microSD flash memory card with personalized financial information and built-in security chip can further include memory card interface and/or control chip and/or flash memory Module and/or security control chip and/or microSD interface and/or personalized financial information. 5. The mobile financial transaction method as claimed in claim 3, characterized in that, the short-range wireless communication NFC mode inductive payment device generates payment information, which refers to using a mobile device with NFC function to read non-contact or inductive financial transactions. Card and/or credit card and/or transportation card, etc. and/or any contactless chip card with payment function, which generates financial information. 6. The mobile financial transaction method according to claim 3, 4 or 5, wherein the subsequent financial service is that the security value-added service platform can transmit encrypted A transaction message or a short message, notifying that the financial transaction has been completed, and/or sending the security statement to the handheld mobile device in the form of a message or a short message regularly or irregularly. 7. A mobile financial transaction system, applied to mobile payment and financial security service platform environments, characterized in that it includes: MicroSD flash memory card with personalized financial information and embedded security chip, the microSD flash memory card with personalized financial information and embedded security chip, combined with a handheld mobile communication device, the mobile payment application App , obtain billing information through the wireless network and/or image capture of the handheld mobile communication device; microSD flash memory card and/or short-range wireless communication (NFC) sensing payment device generates payment information, and transmits the payment information by means of wireless communication through the handheld mobile communication device; Payment gateway, after receiving the payment information, the payment gateway will connect to the bank acquiring system to complete the financial transaction; and The security value-added service platform, the bank acquiring system transmits the transaction information to the security value-added service platform connected with it, and the security value-added service platform will provide its follow-up mobile financial services. 8. The mobile financial transaction system according to claim 7, wherein the subsequent financial service is that the security value-added service platform can send encrypted transaction messages or short messages to the handheld mobile device that completes the financial transaction. information, notifying that the financial transaction has been completed, and/or sending the security statement to the handheld mobile device in the form of message or short message at regular or irregular intervals. 9. The mobile financial transaction system according to claim 7 or 8, characterized in that, in addition to the microSD flash memory card with personalized financial information and embedded security chip, it can further include a memory card interface and/or Control chip and/or flash memory module and/or security control chip and/or microSD interface and/or personalized financial information. 10. The mobile financial transaction system according to claim 7 or 8, wherein the payment gateway is a payment mechanism located at the cash flow acquirer, and the handheld mobile device is a smart phone or a tablet computer. 11. The mobile financial transaction system as claimed in claim 7 or 8, wherein the payment gateway is located at the cash flow acquiring end, and can be a short-range wireless communication NFC induction payment mechanism, and the handheld mobile device has an NFC (Near Field Communication) enabled smartphone or tablet computer.

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