TW201926174A - Smart mobile device for mobile payment and payment method thereof, computer-readable recording medium and computer program product including a touch screen and a processor - Google Patents

Abstract

A smart mobile device for mobile payment comprises a touch screen for displaying QR codes and a processor for identifying the financial card/credit card identification code with the basic coding rule, wherein the transaction date and time, a transaction code, the remark field data, a transaction serial number, a transaction verification code, a financial card/credit card account number, a type of the mobile payment, and card issuing bank number are encoded into data of a base64 coding format. The financial card/credit card identification code, the transaction date and time, the transaction code, the information in the remarks column, the transaction serial number, the transaction verification code, the financial card/credit card account number, the type of mobile payment, and the card-issuing back number are translated into a QR code, and the QR code is transmitted to a touch screen.

Description

Smart mobile device for mobile payment and payment method thereof, computer readable recording medium and computer program product

The present invention relates to the field of financial institutions, and more particularly to a smart mobile device for mobile payment and a payment method thereof, a computer readable recording medium and a computer program product.

With the advancement of technology, the way financial institutions provide services has gradually extended from traditional physical bank locations to online services such as online banking, online credit card, mobile payment, etc. to enhance financial operations for customers and financial institutions. Convenience.

Mobile payment refers to a service that uses a smart mobile device for payment. Consumers can use smart mobile devices to pay for services or digital and physical goods without the use of cash, checks or credit cards. There are four main types of mobile payment methods: SMS-based transfer payments, action bill payments, smart mobile device network payments (WAP), and contactless payments (NFC).

The QR code payment is also a payment method in the current action payment. However, there is currently no QR code payment, which is mainly based on the current platform and verification mechanism of inter-bank transactions to complete the transaction and payment.

In view of the above problems, an object of the present invention is to provide a smart mobile device for mobile payment, a payment method thereof, a computer readable recording medium, and a computer program. Product, the QR code with transaction information is provided by the smart mobile device for the scanner scan of the store to complete the transaction and payment, and the QR code provided by the smart mobile device has a transaction verification code to verify the transaction and ensure the transaction. Security.

A first aspect of the present invention provides a smart mobile device for mobile payment, comprising: a touch screen, displaying a financial card/credit card identification code, a transaction date and time, a transaction code, and a remark column a QR code of one of a plurality of data, a transaction serial number, a transaction verification code, a financial card/credit card account number, a mobile payment type, and a card issuing code; and a processor that will be a basic encoding rule encoding format The financial card/credit card identification code, the transaction date and time, the transaction code, the remarks field data, the transaction serial number, the transaction verification code, the financial card/credit card account number, the action payment type, and the issuer code number The financial card/credit card identification code in a Base 64 encoded format, the transaction date and time, the transaction code, the remarks field data, the transaction serial number, the transaction verification code, the financial card/credit card account number, the action payment type And the issuer code, and the financial card/credit card identification code in the Base 64 encoding format, the transaction date and time, The transaction code, the remark field information, the transaction serial number, the transaction verification code, the financial card/credit card account number, the action payment type, and the card issuer code are translated into the QR code, and the QR code is transmitted. Code to the touch screen.

A second aspect of the present invention provides a payment method for a smart mobile device for mobile payment, the method being applied to the smart mobile device including a touch screen system and a processor, the payment method comprising the following steps : the financial card/credit card identification code to be a basic encoding rule encoding format by the processor, the transaction date and time, the transaction code, the remark field information, the transaction serial number, The transaction verification code, the financial card/credit card account number, the action payment type, and the card issuer code encoded into a Base 64 encoded format, the financial card/credit card identification code, the transaction date and time, the transaction code, and the remark field Data, the transaction serial number, the transaction verification code, the financial card/credit card account number, the action payment type, and the card issuer code; the financial card/credit card identification code that the processor will be in the Base 64 encoded format, the transaction The date code, the transaction code, the remarks field data, the transaction serial number, the transaction verification code, the financial card/credit card account number, the action payment type, and the card issuer code number are translated into the QR code, and Transmitting the QR code to the touch screen; and displaying, by the touch screen, the QR having the transaction time, the transaction account number, the transaction code, the remark field, the transaction verification code, and the card issuer Code.

The third aspect of the present invention provides a computer readable recording medium storing a program. When the smart mobile device loads and executes the program on the computer readable recording medium, the present invention can be completed. The second aspect of the method.

The fourth aspect of the present invention provides a computer program product for storing a program. When the smart mobile device is loaded into the program and executed by the computer program product, the second aspect of the present invention can be completed.

10‧‧‧Accounting platform

12‧‧‧Scanner

20‧‧‧Smart mobile device

22‧‧‧ Processor

24‧‧‧ touch screen

26‧‧‧Transport interface

30‧‧‧ Issuer Platform

40‧‧‧Encryption Server

1 is a schematic block diagram of a system architecture for mobile payment according to the present invention; and FIG. 2 is a flow chart of a payment method for mobile payment according to the present invention.

The present invention will be further understood by those of ordinary skill in the art to which this invention pertains. The constitution of the present invention and the effects to be achieved will be described in detail.

1 is a schematic block diagram of a system architecture for mobile payment according to the present invention. In FIG. 1, a smart mobile device 20 such as a smart phone or a tablet computer and a billing line platform 10, a card issuing platform 30, and an encryption server 40 perform bidirectional data transmission by wireless transmission, wherein the encryption is performed. The server 40 can be built into the issuer platform 30, or both can be independent of each other. The smart mobile device 20 includes a processor 22, a touch screen 24, and a transmission interface 26. The smart mobile device 20 also includes other conventional hardware components such as a memory, and the description thereof is omitted.

The smart mobile device 20 can load one financial card/credit card account of one of a plurality of virtual payment instruments (for example, a financial card or a credit card), and the consumer then uses the wallet software (Wallet app) built in the smart mobile device 20. The financial card/credit card account of the payment instrument to be used is selected for transaction. Therefore, it is only necessary to carry the smart mobile device 20 to go out and perform the transaction payment operation, thereby improving the convenience of the transaction.

When the consumer wants to make an action payment, the consumer operates the smart mobile device 20 to execute the wallet software, and the processor 22 sends a transaction request via the transmission interface 26 to the issuer platform 30, which the issuer platform 30 will perform according to the transaction request. One of the transaction number of the second action payment is transmitted to the processor 22 via the transmission interface 26, the transaction sequence number being valid for a predetermined transaction time period in which the card issuer platform 30 receives the transaction request, and if the predetermined transaction time period is exceeded, the action payment is performed. The issuing bank platform 30 determines that the action payment is invalid, thus preventing the risk of being stolen and fraudulent after the completion of the transaction due to the completion of the QR code production system.

After the processor 22 receives the transaction serial number transmitted by the issuer platform 30, the processor 22 transmits the transaction serial number and the transaction date and time of the action payment to the encryption server 40 via the transmission interface 26, and the encryption server 40 receives the transaction serial number. The transaction serial number and the transaction date and time are encrypted by a conventional encryption algorithm to obtain one transaction verification. The code, encryption server 40 transmits the transaction verification code to processor 22 via transmission interface 26. The transaction verification code obtained by encrypting the transaction number and the changed transaction date and time can also prevent the risk of being stolen and used after the QR code production is completed.

The QR code source data is encoded in a BER (Basic Encoding Rules) format, and the content is composed of one or more TLV objects, and each TLV object is composed of a tag, a length, and a value. to make.

In this embodiment, the financial card/credit card identification code, the transaction date and time, the transaction code, the remark field information, the transaction serial number, the transaction verification code, the financial card/credit card account number, the mobile payment type, and the card issuance in the basic encoding rule encoding format. The line code is as follows, for example:

61 68

4F 08 A000000172950001

C1 5C

32353431

3230313730353131313032353530

3030363030303030

31323334353637383930313233343536373839303132333435363738 3930

31323334353637383930313233343536

0830303030303030390008DAAB354267548385

31

The processor 22 will be the financial card/credit card identification code of the basic encoding rule encoding format, the transaction date and time, the transaction code, the remark field information, the transaction serial number, and the payment Easy verification code, financial card/credit card account number, mobile payment type and issuing bank code are encoded into a Base 64 encoded format financial card/credit card identification code, transaction date and time, transaction code, remarks field data, transaction serial number, transaction verification code , financial card / credit card account number, mobile payment type and the issuing bank code, the contents are as follows: YWhPCKAAAAFylQABwVwyNTQxMjAxNzA1MTExMDI1NTAwMDYwMDAwMDEyMzQ1Njc4OTAxMjM0NTY3ODkwMTIzNDU2Nzg5MDEyMzQ1Njc4OTAxMjM0NTYIMDAwMDAwMDkACNqrNUJnVIOFMQ==

The processor 22 will again be a financial card/credit card identification code in Base 64 encoded format, transaction date and time, transaction code, remark field data, transaction serial number, transaction verification code, financial card/credit card account number, mobile payment type, and issuer code. One or more of the groups are translated into a QR code, and the QR code is transmitted to the touch screen 24, and the QR code is displayed by the touch screen 24, as shown in FIG.

The scanner 12 of the store terminal device (not shown) scans the QR code on the touch screen 24 of the smart mobile device 20, and the scanner 12 interprets the scanned QR code from the financial card/credit card identification code and transaction. The date and time, the transaction code, the remarks field data, the transaction serial number, the transaction verification code, the financial card/credit card account number, the action payment type, and the issuer code number are all or all of them, and the store enters the transaction amount by the store terminal device, and Transaction amount, financial card/credit card identification code, transaction date and time, transaction code, remark field information, transaction serial number, transaction verification code, financial card/credit card account number, mobile payment type and issuer code number, etc. To the acquiring line platform 10.

The acquiring bank platform 10 will receive the transaction amount, financial card/credit card identification code, transaction date and time, transaction code, remark field information, transaction serial number, and Many or all of the easy verification code, financial card/credit card account number, mobile payment type and issuer code number are transmitted to the issuer platform 30 of the corresponding issuer code.

The issuing bank platform 30 encrypts the transaction serial number and the transaction date and time of the action payment by the same encryption algorithm as the encryption server 40 to obtain a verification comparison code, and verifies the verification comparison code and the received transaction verification. The code is compared.

If the issuer platform 30 determines that the verification comparison code is inconsistent with the transaction verification code, the issuer platform 30 transmits a transaction failure message to the smart mobile device 20, or the issuer platform 30 transmits a transaction failure message to the acquirer platform 10, the issuer platform. At the same time, the transaction failure message is forwarded to the smart mobile device 20, and the processor 22 receives the transaction failure message via the transmission interface 26 and transmits it to the touch screen 24 for display to the consumer for viewing; if the issuer platform 30 determines the verification comparison code In accordance with the transaction verification code, the issuer platform 30 debits according to the transaction amount and transmits a payment completion message to the smart mobile device 20, or the issuer platform 30 transmits the payment completion message to the acquirer platform 10, the issuer platform. At the same time, the payment completion message is forwarded to the smart mobile device 20, and the processor 22 receives the payment completion message via the transmission interface 26 and transmits it to the touch screen 24 for display to the consumer for viewing.

2 is a flow chart of a payment method for mobile payment according to the present invention. Referring to the system architecture of Figure 1, the process architecture of Figure 2 is illustrated.

In FIG. 2, when the consumer makes a mobile payment with the store, the consumer conducts the transaction through the payment tool (such as a financial card or a credit card) to be used by the wallet software built in the smart mobile device 20, and is operated by the consumer. The smart mobile device 20 executes the wallet software.

When the smart mobile device 20 performs mobile payment, the processor 22 sends a transaction request to the issuer platform 30 via the transmission interface 26 (step S40), the issuer platform 30. Based on the transaction request, one of the transaction numbers for which the action payment is made is transmitted to the processor 22 via the transmission interface 26 (step S42).

The transaction serial number is valid within a predetermined transaction time period in which the issuer platform 30 receives the transaction request. If the action payment is made beyond the predetermined transaction time limit, the issuer platform 30 determines that the action payment is invalid.

After receiving the transaction serial number transmitted by the issuer platform 30, the processor 22 sends the transaction serial number and the transaction date and time of the action payment to the encryption server 40 via the transmission interface 26, and the encryption server 40 receives the transaction serial number. The transaction serial number and the transaction date and time are encrypted by a conventional encryption algorithm to obtain a transaction verification code, and the encryption server 40 transmits the transaction verification code to the processor 22 via the transmission interface 26 (step S44).

Next, the processor 22 will be a financial card/credit card identification code, transaction date and time, transaction code, remark field data, transaction serial number, transaction verification code, financial card/credit card account number, and mobile payment type which are a basic encoding rule encoding format. And the issuing bank code coded into a Base 64 encoded format financial card/credit card identification code, transaction date and time, transaction code, remark field information, transaction serial number, transaction verification code, financial card/credit card account number, mobile payment type and the card issuance Line code.

The processor 22 will then use the financial card/credit card identification code in Base 64 encoding format, transaction date and time, transaction code, remark field information, transaction serial number, transaction verification code, financial card/credit card account number, mobile payment type and card issuing bank. One or more of the codes are translated into a QR code (step S46), and the QR code is transmitted to the touch screen 24, and the QR code is displayed by the touch screen 24, as shown in FIG.

The scanner 12 of the store's store terminal device scans the QR code on the touch screen 24 of the smart mobile device 20, and the scanner 12 interprets the scanned QR code. Out of the financial card / credit card identification code, transaction date and time, transaction code, remarks field information, transaction serial number, transaction verification code, financial card / credit card account number, mobile payment type and card issuer code, many or all of the store The store terminal device inputs the transaction amount, and the transaction amount, financial card/credit card identification code, transaction date and time, transaction code, remark field information, transaction serial number, transaction verification code, financial card/credit card account number, mobile payment type, and issuing bank A plurality or all of the code numbers are transmitted to the acquirer platform 10 (step S48).

The transaction amount, financial card/credit card identification code, transaction date and time, transaction code, remark field information, transaction serial number, transaction verification code, financial card/credit card account number, mobile payment type and card issuance received by the acquirer platform 10. Many or all of the line numbers are transmitted to the issuer platform 30 of the corresponding issuer code.

The transaction serial number and the transaction date and time of the action payment are encrypted by the issuing bank platform 30 in the same encryption algorithm as the encryption server 40 to obtain a verification comparison code (step S50).

The verified verification comparison code obtained by the issuing bank platform 30 is compared with the received transaction verification code (step S52). If the issuer platform 30 determines that the verification comparison code is inconsistent with the transaction verification code, the issuer platform 30 transmits a transaction failure message to the smart mobile device 20, or the issuer platform 30 transmits a transaction failure message to the acquirer platform 10, the issuer platform. At the same time, the transaction failure message is forwarded to the smart mobile device 20, and the processor 22 receives the transaction failure message via the transmission interface 26 and transmits it to the touch screen 24 for display to the consumer for viewing.

If the issuer platform 30 determines that the verification comparison code is consistent with the transaction verification code, the issuer platform 30 debits according to the transaction amount, and transmits a payment completion message to the smart mobile device 20, or the issuer platform 30 transmits the payment completion message. To the acquirer platform 10, the issuer platform 30 simultaneously forwards the payment completion message to the smart mobile device 20. The payment completion message is received by the processor 22 via the transmission interface 26 and transmitted to the touch screen 24 for display to the consumer for viewing (step S54).

The above-mentioned payment transaction method for providing a smart mobile device for mobile payment can be completed in a program type, and the program can be stored in a computer readable recording medium, and the smart mobile device is used in the computer. After the readable recording medium is loaded into the program and executed, the method steps as shown in the above description and the drawings can be completed.

Similarly, the above-mentioned payment transaction method for providing a smart mobile device for mobile payment can be completed by a computer program product, and can be completed when the smart mobile device downloads the computer program product from the network, for example, and executes it. The method steps as illustrated in the above description and the drawings.

The invention provides a smart mobile device for mobile payment, a payment method thereof, a computer readable recording medium and a computer program product, and a QR code with transaction information is provided by a smart mobile device for scanning by a scanner of a store. In order to complete the transaction and payment, and the QR code provided by the smart mobile device has the transaction verification code obtained by encrypting the transaction number and the changed transaction date and time, which can prevent the QR code from being completed after the transaction is completed. Steal the risk of fraudulent use to verify the transaction and ensure the security of the transaction.

The present invention has been described above with reference to the preferred embodiments and the accompanying drawings, and should not be considered as limiting. Various modifications, omissions and changes may be made without departing from the scope of the claims of the invention.

Claims (8)

A smart mobile device for mobile payment, comprising: a touch screen, displaying a financial card/credit card identification code, a transaction date and time, a transaction code, a remark field information, a transaction serial number, and a transaction a QR code of one of a verification code, a financial card/credit card account number, a mobile payment type, and a card issuing line code; and a processor that will be the financial card/credit card identification code in a basic encoding rule encoding format, The transaction date and time, the transaction code, the remarks field data, the transaction serial number, the transaction verification code, the financial card/credit card account number, the action payment type, and the issuer code number are encoded into a Base 64 encoded format. Card/credit card identification code, the transaction date and time, the transaction code, the remarks field data, the transaction serial number, the transaction verification code, the financial card/credit card account number, the action payment type, and the issuer code number, and then The financial card/credit card identification code of the Base 64 encoding format, the transaction date and time, the transaction code, the remark field The data, the transaction serial number, the transaction verification code, the financial card/credit card account number, the action payment type, and the card issuer code are translated into the QR code, and the QR code is transmitted to the touch screen. The smart mobile device of claim 1, further comprising a transmission interface, the processor receiving, by the transmission interface, the transaction serial number transmitted by a card issuing platform, the processor transmitting the transaction serial number and the transaction date and time via the transmission interface Up to an encryption server, and receiving the transaction verification code obtained by encrypting the transaction serial number and the transaction date and time by the encryption server, and the processor receives one of the issuer platform or an acquirer platform transmission via the transmission interface The payment completion message is sent and the payment completion message is transmitted to the touch screen for display. The smart mobile device of claim 1, wherein the touch screen displays the QR The code is scanned by a scanner, and the scanner interprets the scanned QR code to obtain the financial card/credit card identification code, the transaction date and time, the transaction code, the remark field information, the transaction serial number, and the transaction verification code. The financial card/credit card account number, the action payment type, and the card issuer code number, the scanner transmits a transaction amount, the financial card/credit card identification code, the transaction date and time, the transaction code, and the remark column The information, the transaction serial number, the transaction verification code, the financial card/credit card account number, the action payment type, and the card issuer code number are all to one of the acquirer platforms. A payment method for a smart mobile device for mobile payment, the method being applied to the smart mobile device including a touch screen and a processor, the transaction method comprising the following steps: a basic encoding by the processor The financial card/credit card identification code of the rule encoding format, the transaction date and time, the transaction code, the remark field information, the transaction serial number, the transaction verification code, the financial card/credit card account number, the action payment type, and the card issuance The bank code encodes the financial card/credit card identification code in a Base 64 encoded format, the transaction date and time, the transaction code, the remark field information, the transaction serial number, the transaction verification code, the financial card/credit card account number, the Action payment type and the issuer code: the financial card/credit card identification code that the processor will be in the Base 64 encoding format, the transaction date and time, the transaction code, the remark field information, the transaction serial number, the transaction The verification code, the financial card/credit card account number, the action payment type, and the plurality of groups of the issuer code are translated into QR code, and transmitting the QR code to the touch screen; and displaying, by the touch screen, the transaction time, the transaction account number, the transaction code, the remark field, the transaction verification code, and the card issuer The QR code. The transaction method of claim 4, further comprising the step of: receiving, by the processor, a card issuing platform via one of the smart mobile device transmission interfaces Transmitting the transaction serial number; the processor sends the transaction serial number and the transaction date and time to the encryption server via the transmission interface, and receives the transaction verification by encrypting the transaction serial number and the transaction date and time by the encryption server And receiving, by the processor, the payment completion message by the card issuing platform or the acquiring platform, and transmitting the payment completion message to the touch screen for display. The transaction method of claim 4, wherein the QR code displayed by the touch screen is scanned by a scanner, and the scanner interprets the scanned QR code to obtain the financial card/credit card identification code, the transaction date and time, The transaction code, the remark field information, the transaction serial number, the transaction verification code, the financial card/credit card account number, the action payment type, and the card issuer code number are transmitted by the scanner, and the transaction amount is The financial card/credit card identification code, the transaction date and time, the transaction code, the remarks field information, the transaction serial number, the transaction verification code, the financial card/credit card account number, the action payment type, and the card issuer code number One to one acquiring platform. A computer-readable recording medium storing a program, the method of any one of claims 4 to 6 being completed after a smart mobile device loads and executes the program on the computer-readable recording medium . A computer program product that stores a program, and when a smart mobile device loads and executes the program in the computer program product, the method of any one of claims 4 to 6 can be completed.