TWI515673B - Mobile device payment system and method - Google Patents

Description

Mobile device payment system and method

The present invention relates to a mobile device payment system and method, and more particularly to a payment system and method combining a smart phone and a two-dimensional barcode.

With the popularization of smart phones, using smart phones and other smart mobile devices to shop online has become a new trend in the industry. Faced with this epoch-making change, the financial industry has proposed a mobile payment mechanism that allows consumers to use smart mobile devices to complete payment while integrating online shopping and payment into a single mobile device system.

In order to achieve this goal, a number of patented methods have been proposed by the industry. For example, the Republic of China Patent Publication No. 2007-25459 discloses "a method for using a mobile phone to complete a credit card action payment authentication". After shopping in an online store, the consumer enters the credit card number, effective date, amount, and special store code on the mobile phone. Payment information is transferred from the mobile phone to the telecommunications carrier and the transaction server authorized by the bank. After the certification is completed, it is sent to the acquiring bank. Such a mechanism is prone to input errors and the risk of leaking personal and credit card information.

The Republic of China Patent Publication No. 200816068 is about "a method of using a handheld communication device as a transaction payment tool". When a consumer checks out a bill, the user dials the mobile phone to a third-party payment platform to provide information such as identity authentication, purchase amount, and store code. After the payment platform completes the certification, the store is notified, and the store confirms to the payment platform to complete the transaction. This trading method is complicated. There is also the danger of leaking personal information and credit card information.

The Republic of China Invention Patent No. I291825 discloses "an application method for completing a credit card or transfer by means of a mobile phone." After the consumer inputs the card number, date, amount, store code and the like on the mobile phone, the mobile phone transmits the message to the store in a short message. The store gets the information and passes it to the bank to complete the transaction. This method is prone to input errors and there is a danger of leaking personal information and credit card information.

The Republic of China invention patent I400929 proposes an "application architecture and method for using mobile phones and electronic tags as a service payment", which uses a mobile phone to read an electronic tag of an optional product or service, and generates a payment screen for the cardholder to authorize payment. After the payment is completed, notify the provider of the goods or services to complete the payment. This method is superior to the prior art, but it is prone to the problem of forging credit card numbers or forging electronic tags.

The Republic of China new patent M364921 proposes a "mobile two-dimensional bar code transaction device" that uses a video capture unit read by a mobile phone to capture a two-dimensional bar code image. The application software of the mobile phone parses an encrypted key data and a commodity transaction data from the two-dimensional barcode image. After the user inputs the payment payment data, an encrypted payment payment data is generated, and the commodity transaction data is transmitted to a plurality of remote transaction servers. The patent focuses on data encryption and transmission, and is not a method of authentication and processing of commodity transactions.

The above and other various mobile device payment mechanisms and methods attempt to provide a payment mechanism that is convenient to use, secures transactions, and prevents credit card numbers and personal data from being leaked. However, from the results, it is not possible to fully meet the above requirements.

Therefore, the object of the present invention is to provide a convenient use and to ensure authentication. A mobile device payment mechanism and method that is correct and prevents consumer credit card numbers and personal data from being leaked.

The mobile device payment mechanism according to the present invention provides a payment mechanism that can be implemented, for example, in the form of application software, in a mobile device, particularly a smart mobile device. The mechanism provides a store authentication module, which can automatically determine and obtain specific store authentication information according to the user's operation, and display it on the mobile device for verification by the product or service provider. The store authentication information may be displayed in a human sensory recognizable form, for example, in a specific image, text, animation, sound, or a combination thereof, displayed on the mobile device's image or sound output device for verification by the store.

The mobile device payment system of the present invention utilizes the input device and data communication capability of the mobile device itself to provide an input function for consumption information; and utilizes the powerful storage capability and high-speed computing capability of the authentication server for authentication. And with a special store certification module to ensure the correctness of the verification and confidentiality of the data. Achieve ease of use, correct verification, and prevent leaks.

The mobile device payment method of the present invention provides a store authentication step in which the authentication server provides store authentication information to the mobile device and displays it on its image or sound output device for verification by the store. In this way, the complicated certification and verification steps are reduced, and the correctness of the verification and the confidentiality of the data are ensured.

Preferred examples of the payment mechanism and method of the mobile device of the present invention are described below in accordance with the drawings. However, the description of the preferred embodiments is intended to illustrate several embodiments of the invention. The scope of the patent of the present invention should still be defined by the scope of the patent application.

10‧‧‧Mobile devices

11‧‧‧Information identification device

12‧‧‧ display device

13‧‧‧Store Certification Module

14‧‧‧Information storage device

15‧‧‧ comparison device

16‧‧‧Connecting device

20‧‧‧Store side representative information providing device

30‧‧‧Authentication server

41‧‧‧Mobile communication network system or regional network system

42‧‧‧Internet

Figure 1 is a system diagram showing the mobile device payment system of the present invention.

Fig. 2 is a view showing a system of a store authentication module to which an embodiment of the present invention is applied.

FIG. 3 is a flow chart of a payment method of the mobile device of the present invention.

Figure 1 is a system diagram showing the mobile device payment system of the present invention. The mobile device payment system shown in the figure mainly includes a mobile device 10, a store-side representative information providing device 20, and an authentication server 30. The mobile device 10 is a mobile internet device, and includes an information recognition device 11, a display device 12, and a store authentication module 13.

As is known, a mobile Internet device 10 can generally be a smart phone that can be connected to the Internet 42 via a mobile communication network system or a regional network system 41 and connected to the authentication server 30. Or, only the mobile communication network system 41 is connected to the authentication server 30. The mobile internet device 10 can also be a tablet computer, a personal digital assistant, and the like, and connected to the Internet 42 through the regional network system 41 and connected to the authentication server 30. The architecture, components and functions of the mobile internet device 10 are known in the art and need not be described in detail. However, in order to achieve the object of the present invention, the mobile internet device 10 must include an information recognition device 11 and a display device 12. The information recognition device 11 can be an image input device provided by the mobile internet device 10 itself, such as a camera module, or a sound input device such as a microphone. In the preferred embodiment of the present invention, the information recognition device 11 is a camera module equipped with an image recognition function, which can obtain a digital image for a target object, and uses a video recognition software, such as an optical character recognition (OCR) software, to digitize The image is converted into digital information in the desired format. In addition, using a microphone It is also feasible to obtain a digitized sound string and convert it into a digitized information of a desired format via a voice recognition software. These image recognition software or sound recognition software are all known in the industry, and it is not difficult for people in this industry to develop or use commercially available software technologies to achieve the required identification functions. Detailed technical details are not mentioned here. As for the display device 12, it is usually a standard device of the mobile internet device 10 for displaying a specific image. In several examples of the invention, the display device 12 is a sound dialing device, such as a horn or earphone. Additionally, in a particular embodiment, the display device 12 is a combination of an image display device and a sound playback device.

As described above, the most important feature of the present invention is to provide a store authentication module 13 that can automatically determine and obtain specific store authentication information according to the user's operation, and display it on the mobile device for goods or services. Provider verification. In a preferred embodiment of the present invention, the store authentication module 13 is primarily built into the mobile internet device 10 in the form of an application software (APP). The store authentication module 13 can obtain the store-side representative information that the user retrieves and converts by the information recognition device 11 after the user calls, and searches for the corresponding authentication server 30 to transmit the specific user information to The authentication server 30 is configured for authentication by the authentication server 30.

To achieve this, the store-side representative information providing device 20 of the present invention is arranged to generate specific store-side representative information. The store-side representative information providing device 20 can be any device that generates information representative of a particular store, such as an image display, a sound player, a signal generator, or simply a medium for displaying a graphic. In the case of an image display, it can display a screen, a mobile phone screen or any display screen for a computer. In the case of a sound player, it can be a speaker or other device that produces sound, even a human body, to emit a specific sound. For example, a signal generator is preferably a wireless signal transmitting chip such as an electronic tag. If it is a medium for displaying a graphic, it can be an object for recording a specific graphic, such as a billboard or a nameplate. Or paper, etc., or even an animal or human body, to indicate a specific posture or other biological information, such as fingerprints, irises, palm prints, face shapes, and the like. In a preferred embodiment of the present invention, the store-side representative information providing device 20 can be a paper or a stand that records a particular two-dimensional barcode. The information recognition device 11 is used for photographing or scanning to obtain a digitalized image of the two-dimensional barcode. In other embodiments, the information recognition device 11 obtains the graphics and/or sound displayed by the image display, the sound player, the signal generator, or the medium, and converts the image into a desired digitized format. It is also known in the art to obtain the image display and/or sound digitalization file displayed by the image display, the sound player, the signal generator, or the medium, or the electronic tag detector. There is no need to repeat them here.

After the information recognition device 11 obtains the digital file of the representative information of the store, the digital file is identified according to a predetermined method. For example, if the digitized file is a two-dimensional barcode, the optical image recognition technology is used to convert into a series of codes corresponding to the two-dimensional barcode. If the digitized file is a text image, the optical image recognition technology is used to convert a corresponding string of codes. If the digitized file is a graphic, it is converted into a corresponding vector graphic by using optical image recognition technology. In the case of biological information, the optical image recognition technology is used to convert into a corresponding biological information description file, such as a feature point or a feature vector file. If it is a string of sounds, it will be converted into the corresponding text information or other description files by using voice recognition technology. If it is a series of images, it will be converted into the corresponding description file by using image recognition technology. The results obtained are provided to the store authentication module 13 for processing.

Fig. 2 is a view showing a system of a store authentication module to which an embodiment of the present invention is applied. The architecture and authentication process of the store authentication module 13 of the present invention will be described below with reference to FIG. The store authentication module 13 shown in FIG. 2 includes an information storage device 14 for storing a plurality of transactions required for the transaction. News. This information includes: a specific credit card number, the coupon number issued by the manufacturer, the coupon or coupon number or code issued by the bank or store, and other coupon numbers or codes that can be used to pay, deduct or preferentially. In addition, store the necessary information corresponding to each card number, ticket number or code, such as the manufacturer name, code, balance and other information.

The store authentication module 13 is further provided with a matching device 15 for comparing the recognition result provided by the information identification device 11 with the transaction required information stored in the information storage device 14. For example, when the store side represents the information as a two-dimensional barcode, the store number or code number is included. The comparison device 15 extracts the store number or code therein, compares the information required for the transaction stored in the information storage device 14, and extracts one or more pieces of information corresponding to the number or code. For example, if the information required for the transaction includes a coupon issued by the store, the number and offer content of the coupon are extracted. If only the store number or code is included in the information required for the transaction, the store number or code number is extracted. If the information required for the transaction does not include any corresponding information, the information is not extracted. The comparison device 15 is additionally provided with a selection function for displaying the comparison result on the display device 12 for the user to select the mode to be executed. For example, after obtaining a coupon information, the one or more credit card numbers and the name of the card issuing company stored in the information storage device 14 are additionally extracted and displayed on the display device 12 for the user to select: use the coupon to consume Use the credit card to spend, or use the coupon and the credit card to spend. When there is no corresponding information, only one or more credit card numbers and card issuing company names stored in the information storage device 14 are extracted and displayed on the display device 12 for the user to select whether to use the credit card for consumption.

When the store side representative information is not a two-dimensional barcode, the store authentication module 13 may process the obtained information through decoding, comparison or other processing to obtain a predetermined result. It can also be left unprocessed, and the information obtained directly serves as the representative information of the store.

The store authentication module 13 is further provided with a connection device 16 for transmitting the store-side representative information and the user-selected content, together with the code of the mobile internet device 10, to the authentication server 30 after the user completes the selection. . In the preferred embodiment of the present invention, the code of the mobile internet device 10 is the phone number recorded by the subscriber identity module (SIM) of the smart phone. In other examples, the code of the mobile internet device 10 may be a community authentication code or number that is logged in with the mobile internet device 10. The connection device 16 connects the authentication server 30 by using the Internet access capability provided by the mobile internet device 10. The method may be connected to the authentication server 30 via a mobile communication network system or a regional network system 41, connecting to the Internet 42. Or, only the mobile communication network system 41 is connected to the authentication server 30. Accordingly, the information received by the authentication server 30 will include processed or unprocessed store-side representative information, user selection results, and the code of the mobile internet device 10. The user selection result usually includes, for example, a credit card number; a coupon type, a number; a coupon, a coupon number, a denomination, and the like.

The authentication server 30 can be any form of computer device, equipped with sufficient memory and high-speed computing capabilities, and can be connected to the Internet or other communication network for the consumer or store to request authentication. The flow of an example of the payment method of the mobile device of the present invention will be described below with reference to FIG. FIG. 3 is a flow chart of a payment method of the mobile device of the present invention.

As shown in the figure, when using the mobile device payment system of the present invention, first, in step 301, the user visits a physical store or an online store, and the information recognition device 11 of the mobile internet device 10 obtains the store-side representative information. For the sake of brevity, the store side represents the information providing device 20 as a card or a standing card displaying a two-dimensional bar code. However, the system and method of the present invention can be applied to any device or method that can generate information on the store side, as before. Said. In step 302, the information recognition device 11 recognizes the acquired store-side representative information in a reservation manner to obtain a recognition result. Thereafter, in step 303, the comparison device 15 of the store authentication module 13 compares the recognition result with the transaction required information stored in the information storage device 14, and obtains a comparison result. In step 304, the store authentication module 13 displays the comparison result on the display device 12 for the user to select a transaction mode to be performed. Here, the transaction mode that the user may select may include: credit card consumption, coupon consumption, coupon or gift certificate consumption, membership consumption (privilege), or a combination of two or more of them.

In step 305, after the consumer completes the selection, the store authentication module 13 transmits the necessary transaction information to the authentication server 30 via the connection device 16. Here, the so-called necessary transaction information will include processed or unprocessed store-side representative information, user selection results, and the code of the mobile internet device 10. As mentioned above, the user selection result usually includes, for example, a credit card number; a coupon type, a number; a coupon, a coupon number, a denomination, and the like.

In step 306, after receiving the transaction information, the authentication server 30 performs comparison according to the transaction mode selected by the user. For example, if the user selects the credit card consumption mode, the credit card number and the mobile internet device code included in the transaction information are compared with the credit card database recorded by the storage device (not shown), and the credit card number and the action are determined. Whether the Internet device code matches. If so, it is further consumed by the credit card corresponding to the store represented by the store side representative information. If the comparison result is yes, it is judged that the comparison result is correct. In another example, if the user selects the coupon consumption mode, it only needs to be a valid coupon issued by the store (the store data stored in the store database) corresponding to the coupon code. If the comparison result is yes, it is judged that the comparison result is correct. In other Similar comparisons are made, such as coupons for coupons or coupons, or consumption patterns for members. What is important is that all the information required for the transaction, particularly information other than the credit card number, the user's personal data, the store related information, etc., are stored in the authentication server 30. The information sent by the mobile internet device 10 includes only the credit card number, the store representative information, and the mobile internet device code. In the process, there is no leakage of credit card holder information, personal data and vendor information.

If the authentication server 30 does not match the result of the comparison, an instruction to reject the transaction is sent in step 307 and displayed on the display device 12 of the mobile internet device 10. The process proceeds to 308 to end the transaction. Conversely, if the comparison results are consistent, the transaction amount is calculated in step 309. Here, the calculation of the transaction amount may include extracting information of the purchased product or service content and the price, the coupon or the identity discount ratio, the coupon or the coupon amount/balance from the transaction information, and calculating according to the transaction mode selected by the user. For example, when the consumer chooses to use the credit card consumption and the coupon consumption in parallel, the amount to be paid is calculated according to the content and price of the service, and the discount ratio of the coupon. For example, when the consumer chooses to use the coupon coupon consumption and the identity preferential treatment as two modes in parallel, the payment result is calculated according to the service content and price, and the coupon balance and the identity discount ratio, and the post-consumer balance is obtained. Or when the balance of the gift certificate is insufficient to complete the consumption, the insufficient amount is obtained.

The above calculation steps may be performed in the authentication server 30 or may be performed in the mobile internet device 10. If the calculation result is insufficient, the authentication server 30 or the mobile internet device 10 may separately obtain the user's consent to transmit the credit card number existing in the information storage device 14 to the authentication server 30, and perform the above steps for authentication. In step 310, the authentication server 30 transmits the calculation result to the mobile internet device 10 and displays it on the display device 12 for confirmation by the user. After the consumer confirms the consumption method and the amount, the store authentication module 13 transmits the consumer instruction to the authentication server 30 in step 311. In step 312, the authentication server 30 is The "store authentication information" that has been previously stored in the store from the store database is displayed on the display device 12 of the mobile device 10. In a preferred embodiment of the invention, the store authentication information is a set of indicia that can be displayed in an image and/or sound, such as a particular one or more images, an animation, a string of sounds, or a combination thereof. In other examples of the invention, the store authentication information can be a string of text or alphanumeric characters. Text or text numbers that are generally suitable as store certification information include: store name, default password, event name, activity serial number, and event description. There is no technical limitation on the content of the store certification information, but it is better with low data volume, low substitution rate and high recognition rate. For example, a photo of a specific person or place, a specific pattern, or a specific continuous sound, and the like.

Since the store authentication information is the specific information agreed between the store and the organization to which the authentication server 30 belongs, the store operator can determine from the store authentication information that the previous authentication program is actually executed by the authentication server 30 and judges to be in conformity. The store's certification information is generated enough to secure transactions and simplify the steps required to pay for the action.

In step 313, the store enters a confirmation command on the input device (not shown, but usually the display device 12 itself) of the mobile internet device 10, and delivers the goods or services purchased by the user. In this step, the signal or symbol suitable as the confirmation command may be a store code, in addition to a string of characters, numbers or a combination thereof generated by the pressing of the confirmation button of the input device of the mobile internet device 10, or the like. Scan for example the results of the QR code carried by the clerk, a combination of text or numbers. It can also be a dynamic password that is sent to the store (such as a computer, mobile phone, or other Internet device). Of course, a combination of the above various confirmation command forms may be input by the store (clerk) at the input device of the mobile internet device 10. In step 314, the store authentication module 13 sends the result to the authentication server 30 via the connection device 16, and after the comparison with the confirmation command stored by the authentication server 30, the authentication is completed. That is to complete a transaction. After that, the step goes to 308. End the transaction. On the other hand, if the authentication result does not match, the step proceeds to 307, and an instruction to reject the transaction is sent to the display device 12 of the mobile internet device 10. The process proceeds to 308 to end the transaction.

In step 313, applicable input devices may be components such as a keyboard, a touch screen, and the like of the mobile internet device 10. That is, the hardware provided in the mobile internet device 10 itself can be used to achieve the operations required by the present invention. In another example of the present invention, the confirmation command is a QR code provided by the mobile internet device 10 itself, or another dynamically generated QR code transmitted to the mobile internet device 10, displayed on the input of the mobile internet device 10. The device is scanned by the store clerk by the image input device connected to the computer, mobile phone or other Internet access device of the store, and then recognized by the clerk and returned to the authentication server 30 by the computer, mobile phone or other Internet device to complete the confirmation.

According to the mobile device payment system and method of the present invention as described above, the display of the store authentication information can indeed simplify the authentication and verification steps of the mobile device payment, and achieve the purpose of convenience. In addition, because the authentication and verification process only needs to transmit a small number of code and code information, the risk of leakage of credit card information, personal data and manufacturer data can be minimized.

In the above-described examples, various changes and developments may be made by the practitioner without departing from the spirit of the invention. For example, when the user does not use credit card consumption and uses cash consumption, the credit card number does not need to be transmitted, and the user does not need to confirm the consumption amount. In addition, in a few examples of the present invention, the store authentication module 13 directly connects to the website of the store through the connection device 16 to obtain the store authentication information. At this time, the coupon or coupon information must contain the connection information of the store to facilitate the connection of the store authentication module 13. In addition, the store certification information can be displayed after the user confirms the amount, or can be displayed before.

Claims (19)

A mobile device payment system includes a mobile device and an authentication server; wherein the mobile device has mobile Internet access capability, and includes: an information recognition device for inputting a store-side representative information; and a display device for displaying Transaction information; an information storage device for storing information required for a majority of transactions; and a store authentication module for generating correspondence corresponding to the transaction from the majority of the transactions required by the store representative information The information required for the transaction of the information is transmitted to the authentication server; and the authentication server can perform authentication according to the information required by the transaction, and transmit the predetermined store-side representative information to the mobile device when the authentication result matches; The store authentication module may display the store-side representative information transmitted by the authentication server on the display device, and after receiving a confirmation command, transmit the result to the authentication server. For example, the mobile device payment system of claim 1 is wherein the mobile device is a smart phone. The mobile device payment system of claim 1, wherein the information recognition device comprises a camera module equipped with an image recognition function, and the store terminal represents the result of identifying the image. For example, the mobile device payment system of claim 3, wherein the store side representative information is the result of identifying a two-dimensional barcode. The mobile device payment system of claim 1, wherein the information recognition device comprises An electronic tag detector, and the store side represents information as a result of recognizing a string of signals. The mobile device payment system of claim 1, wherein the information required for the transaction includes a code of the mobile device, and at least one of the following information corresponding to the representative information of the store: a credit card number, a coupon Number and issuer information, a stock number and issuer information. The mobile device payment system of claim 2, wherein the information required for the transaction includes a door number of the smart phone, and at least one of the following information corresponding to the representative information of the store: a credit card number, a Coupon number and issuer information, a stock number and issuer information. The mobile device payment system of claim 1, wherein the confirmation instruction comprises a string of characters, numbers or a combination thereof. The mobile device payment system of claim 1, wherein the confirmation command comprises a dynamically generated password. A mobile device payment authentication method is applied to a mobile device payment system, the system includes a mobile device and an authentication server; wherein the mobile device has mobile Internet access capability, and includes: an information recognition device for inputting a store-side representative information; a display device for displaying transaction information; an information storage device for storing information required for a majority of transactions; and a store authentication module for using the store-side representative information Most of the information required for the transaction of the transaction generates information necessary for the transaction of the representative information on the store side, and transmits the information to the authentication server; The method includes the following steps: the information recognition device inputs a store-side representative information; the store authentication module generates, according to the store-side representative information, a transaction corresponding to the store-side representative information from the majority of the transaction-required information The information is transmitted to the authentication server; the authentication server performs authentication according to the information required by the transaction, and when the authentication result matches, transmits the predetermined store-side representative information to the mobile device; the store authentication module uses the authentication server The transmitted store side representative information is displayed on the display device; and the store authentication module transmits the result to the authentication server after receiving a confirmation command. The method of claim 10, wherein the store side representative information is a result of the identification of the two-dimensional barcode by the information recognition device. The method of claim 10, wherein the store side representative information is a result of the identification of the signal by the information recognition device. The method of claim 10, wherein the information required for the transaction includes a code of the mobile device, and at least one of the following information corresponding to the representative information of the store: a credit card number, a coupon number, and a release Information, a stock number and issuer information. The method of claim 13, wherein the mobile device code comprises a mobile phone number. The method of claim 10, wherein the confirmation instruction comprises a string of words, numbers or a combination thereof. The method of claim 10, wherein the confirmation command comprises a dynamically generated password. The method of claim 10, further comprising the step of displaying the result on the display device for the user to select a transaction mode after generating the information required for the corresponding transaction; the method, after the user selects the transaction mode, The information required for the transaction is transmitted to the authentication server. For example, the method of claim 10 of the patent scope includes the step of displaying the transaction content for the user to confirm before the store side represents the information. For example, the method of claim 10 of the patent scope includes the step of displaying the transaction content for the user to confirm after the information is represented on the store side.