TWM524959U - Transaction system for conducting transaction using a mobile device - Google Patents

Abstract

The disclosure is related to a transaction system for conducting transaction using a mobile device. The system includes an authentication server, a transaction device for processing the transaction, and a mobile device at the user end for authentication. In a transaction process, a transaction device is activated to generate a transaction code for a user operating the mobile device to read. Then transaction content is created in the mobile device. The transaction content is such as a transaction amount input by the transaction device, or the content input in the mobile device. In the mobile device, an authentication code is generated based on the transaction code, transaction content and/or a user ID. The authentication code is submitted to the authentication server for authentication. The transaction process is completed when the authentication succeeds, or terminated as the authentication fails. The transaction system renders a more secure mobile transaction.

Description

Providing a trading system for executing transactions with mobile devices

The present creation is a trading system that provides an action transaction, and in particular, a transaction system that provides a user with a mobile device for transaction and verification.

ATMs or cash machines, often referred to as ATM (automatic teller machine), allow users to easily withdraw cash, but when they withdraw cash, they also create opportunities for gangsters, for example, if there are gangsters At this time, the ATM card is robbed, and at the same time, the withdrawal password is acquired, and cash is obtained. It is too simple and safe to use the security and confidentiality of the cash withdrawal card with a few yards of passwords.

In order to enhance the security during the transaction, including general shopping transactions, automatic teller withdrawals, etc., this creation proposes a trading system that provides a mobile device to execute a transaction, one of the purposes of which is to take action through the user before the transaction is completed. The device performs a verification procedure, and the transaction is completed after the third-party verification unit proves the identity, which can improve the transaction security. Even if any of the devices is lost or stolen, the property can be ensured without loss.

According to an embodiment, a transaction system for executing a transaction by a mobile device is provided, the transaction system The system includes a transaction device that generates a transaction code based on the transaction information, a mobile device for reading the transaction code and forming the transaction content, and a verification server that performs transaction verification. The verification is based on the verification code generated by the mobile device, which is generated by the transaction code, the transaction content and/or a user identification information. When the verification code is transmitted to the verification server via the network, the verification result is completed, and the verification result is verified. Transfer to the trading device.

According to various embodiments of the transaction system, the transaction device can be an automated teller machine, a point of sale terminal (POS), a vending machine, or another mobile device.

In another embodiment of the transaction system for providing a transaction by a mobile device, the system includes a transaction platform for providing a service and generating a transaction code based on the transaction information, and the transaction device reads the transaction code generated by the transaction platform and forms the transaction content. The verification code can then be generated based on the transaction code, the transaction content and/or a user identification information operation, and then the verification server performs verification.

In order to further understand the techniques, methods and effects of this creation in order to achieve the intended purpose, please refer to the following detailed descriptions and diagrams of this creation. I believe that the purpose, characteristics and characteristics of this creation can be deepened and specific. It is understood that the drawings are only for the purpose of illustration and description and are not intended to limit the invention.

10‧‧‧Automatic Teller Machine

101‧‧‧2D barcode

103‧‧‧ Code

105‧‧‧Withdrawal export

12‧‧‧Mobile devices

121‧‧‧2D barcode

125‧‧‧Transaction content

14‧‧‧ cash register

143‧‧‧1D barcode

123‧‧‧1D barcode

127‧‧‧ transaction content

129‧‧‧2D barcode

107‧‧‧2D barcode

109‧‧‧ Enter the amount

2‧‧‧Network

20‧‧‧Verification server

201,203‧‧‧ trading device

21,23‧‧‧ mobile devices

205‧‧‧ trading platform

25‧‧‧Mobile devices

50‧‧‧ mobile devices

501‧‧‧transaction code reading module

503‧‧‧Display module

505‧‧‧Transaction content forming module

507‧‧‧ verification code generation module

509‧‧‧Communication module

52‧‧‧ trading device

521‧‧‧transaction code generation module

523‧‧‧Display module

525‧‧‧ transaction amount acquisition module

527‧‧‧Verification result acquisition module

54‧‧‧Verification server

541‧‧‧Verification Code Acquisition Module

543‧‧‧ verification module

545‧‧‧Database Module

547‧‧‧Network Module

60‧‧‧ mobile devices

601‧‧‧User Identification Information

603‧‧‧ machine code

605‧‧‧Kebe

607‧‧‧ transaction amount

609‧‧‧transaction password

61‧‧‧ trading device

62‧‧‧Verification server

611‧‧‧Read transaction code

613‧‧‧Transfer transaction code

615‧‧‧Transfer verification code

617‧‧‧Transfer verification results

71‧‧‧ trading device

72‧‧‧ Equipment line

73‧‧‧ integrated platform

74‧‧‧ Issuing bank

711‧‧‧Read transaction code

713‧‧‧Transfer transaction code

715‧‧‧Transfer verification code

717‧‧‧Inter-bank transaction authorization

718‧‧‧ inter-bank transaction authorization

719‧‧‧Reply verification results

720‧‧‧Reply verification results

721‧‧‧Reply verification results

731‧‧‧Read transaction code

733‧‧‧Transfer verification code

735‧‧‧Transfer transaction code

737‧‧‧Confirm authorization

738‧‧‧Confirm authorization

739‧‧‧Authorized transaction

81‧‧‧Mobile devices

82‧‧‧ trading device

83‧‧‧Verification server

801‧‧‧Read transaction code

803‧‧‧Transfer chat code

805‧‧‧Restoring code for transaction amount, item and user identification information calculation

807‧‧‧Reply verification results

91‧‧‧Commodities

92‧‧‧ mobile devices

93‧‧‧ Trading device

94‧‧‧Verification server

901,902,903‧‧‧Read product identification code

905‧‧‧Exchange transaction information

907‧‧‧Transfer chat code

909‧‧‧Send the sum of the sum of the amount, the item and the user identification information

911‧‧‧Reply verification results

111‧‧‧User device

112‧‧‧ trading platform

113‧‧‧Verification server

1111‧‧‧Select goods

1112‧‧‧Read transaction code

1113‧‧‧Transfer chat code

1114‧‧‧Transfer verification code

1115‧‧‧Reply verification results

1116‧‧‧Complete the transaction

Step S401~S409‧‧‧ Flow of executing a transaction using a mobile device

1A shows one of the schematic diagrams of a transaction system implementation scenario in which the present invention provides a transaction by a mobile device; FIG. 1B shows a second schematic diagram of a transaction system implementation scenario in which the present invention provides a transaction by a mobile device; FIG. 1C shows that the present creation is performed by a mobile device. FIG. 2 shows one embodiment of a transaction system for providing a transaction by a mobile device; FIG. 3 shows an embodiment of a transaction system for providing a transaction by a mobile device. Figure 4 shows a flow chart of an embodiment of the present transaction system implementing a transaction by a mobile device; Figure 5 shows a functional block diagram of an embodiment of a transaction system that provides a transaction by a mobile device; Figure 6 shows the creative transaction The system implements one of the embodiments of the process for executing the transaction by the mobile device; FIG. 7A shows the second embodiment of the flow of executing the transaction by the authoring transaction system; FIG. 7B shows the third embodiment of the process for executing the transaction by the authoring transaction system; The fourth embodiment of the process of executing the transaction by the authoring transaction system; FIG. 9 shows the fifth embodiment of the process of executing the transaction by the authoring transaction system; FIG. 10 shows the sixth embodiment of the process of executing the transaction by the authoring transaction system.

The present disclosure proposes a transaction system for performing transactions by a mobile device, which can be applied to an ATM (automatic teller machine), a point of sale (POS) that performs cashier transactions, and sells The Kiosk and other convenient transactions are used to allow users to determine the transaction content through the mobile device, and then verify it through a third-party verification unit. In addition to providing the convenience of transaction convenience, the transaction security is enhanced, so as not to be in the transaction process. The loss of property when part of the verification information is captured or stolen.

BRIEF DESCRIPTION OF THE DRAWINGS A usage context diagram presented in FIGS. 1A, 1B, and 1C can be seen, with the schematic representation of the present application providing a related application of a transaction system that performs transactions with a mobile device.

As shown in FIG. 1A, an automatic teller machine 10 is presented. When a user wants to execute a transaction through the ATM 10, such as a withdrawal, deposit, transfer, etc., a trigger button on the screen of the ATM 10 can be first transmitted. Start a trading process, for example, this is a cardless withdrawal service, the user can trigger a cardless withdrawal The function, therefore, the ATM 10 will represent a transaction code in a one-dimensional bar code, a two-dimensional bar code, an alpha-numeric string, a wireless code (such as an NFC wireless code) or a graphic, in which a program indicating the transaction is mainly included. The session code, in this case, presents the transaction code in a two-dimensional barcode 101 manner. The content of the chat code is such as a number, an alphanumeric string, or a specific encoding.

In this example, the transaction code is represented by a two-dimensional barcode 101, and can still be represented by a string code 103, so that the user device cannot read the two-dimensional barcode 101, and the string code 103 can be input on the mobile device 12. After the user operates the mobile device 12, the relevant verification program is executed, the camera module is turned on, the two-dimensional barcode 101 is captured, and the two-dimensional barcode 121 displayed on the display of the device 12 is generated (or displayed only when shooting, but the scanning result is not displayed). Software can be used to identify the information contained therein. Then, the user needs to input the transaction content 12, such as the transaction amount, the transaction item, and the like on the input interface of the mobile device 12, and then combine the chat code read from the transaction code with the user identification information recorded by the mobile device 12, The mobile device 12 may generate a verification code by partial or any combination of information related to hardware information (this may be used as a user or its device), security authentication data, and transaction content input on the mobile device 12, and then transmitted to the verification code. The verification server can withdraw money from the money discharge outlet 105 after successful verification. Details will be described below.

In another embodiment, as shown in FIG. 1B, the system for providing a transaction by a mobile device can be applied to a transaction process at the time of general shopping payment. This example shows a consumer or a cashier in a transaction device (such as a POS). The cash register device 14) performs checkout, and the transaction device starts a transaction program to display the one-dimensional barcode 143 of the example. After the transaction device starts the transaction program, the camera function is turned on to scan the one-dimensional barcode 143 on the mobile device 12. The one-dimensional bar code 123 in the shooting is displayed.

After reading the one-dimensional barcode 123, a transaction code is formed, and the transaction program continues to start the input interface, allowing the user to confirm the transaction content 127, or inputting the content. After confirmation, the algorithm in the transaction program is the transaction content 12, Such as transaction amount, transaction item, combined with the conversation code read from the transaction code, user identification information, and mobile device 12 related Part or any combination of hardware information, security certification data, etc. generates a verification code, which is then passed to the verification server for verification by the verification server. After the verification is successful, the transaction will be settled.

The method for executing a transaction using a mobile device disclosed in the disclosure realizes that in the embodiment of cardless withdrawal, an embodiment in which the transaction amount is input on the automatic teller machine is still not excluded, as shown in the implementation scenario shown in FIG. 1C.

When the transaction program is started, the ATM 10 provides an input interface for inputting an input amount 109 to the user before displaying the transaction code indicated by the two-dimensional barcode 107, so that the automatic teller machine 10 uses an algorithm to represent the conversation of the current transaction program. The code (static or dynamic generation), the transaction amount, or the hardware serial number that can be added to the automated teller machine 10, combined or computed to generate a transaction code, such as a two-dimensional bar code 107 displayed on the display of the automated teller machine 10.

Then, the user operates the mobile device 12 to start the related transaction program, and can start the corresponding reading function according to the type of the transaction code (a one-dimensional barcode, a two-dimensional barcode, a wirelessly encoded signal, an alphanumeric string or a graphic, etc.). As shown in the figure, the camera function is activated to read the two-dimensional barcode 107 displayed by the automated teller machine 10, and as shown in the two-dimensional barcode 129 on the mobile device 12, the transaction code contains information such as the conversation code and the transaction content. The transaction program of the device 12 then forms a verification code based on the transaction code information operation, and after transmitting to the verification server for verification, if the verification is successful, the automated teller machine 10 is notified to confirm the authorization and the cash of the transaction amount is output from the money discharge outlet 105. The verification code generated by the calculation on the mobile device 12 can be generated according to the current conversation code, the transaction content, the user identification information recorded by the mobile device 12, the hardware information related to the mobile device 12, and the security authentication data. And in the information transmitted to the verification server, the verification code is used to verify the identity of the user (including the mobile device used), and also transmits the usage as described in the current transaction content, the conversation code, and the mobile device 12. The identification information, the related hardware information of the mobile device 12, and the security authentication data (some of which may also be combined) are given to the verification server to obtain the information required by the algorithm.

2 shows an embodiment of a transaction system that provides a transaction by a mobile device. This example shows that the transaction system provides transaction verification services via the network 2, such as the verification server 20 shown in the figure, and the verification server 20 can be independent. Operating servers, clusters, or built-in authentication functions in software-specific systems.

The user end of the transaction system is provided with various forms of transaction devices 201, 203. The functions of the transaction devices 201, 203 are mainly relay devices for completing transactions. The transaction device 201 is located at a point of sale terminal (POS) in a store, when the user is at the store. The goods to be purchased are selected within the checkout. When the checkout is performed, the checkout clerk generates the bill by the point of sale terminal, and generates a transaction code, and the user reads the transaction code by the portable mobile device 21, and forms a transaction in the mobile device 21. The content is then generated according to the transaction content, the personalized data, and the like, and the verification server receives the verification code to perform verification, and the verification is completed before the transaction is completed.

When the transaction code is represented by a bar code or an alphanumeric string, the transaction device is provided with a display screen displaying the transaction code. If the transaction code is transmitted in wireless code, the transaction device is provided with a relative wireless signal transceiver.

The transaction device 203 in the figure is an automatic teller machine (ATM), a vending machine, a Kiosk, etc., and the user operates the transaction device 203 to execute a transaction, such as a withdrawal, a commodity sale, a virtual transaction, etc. Similarly, the transaction device 203 is based on transaction related information. And some device information generates a transaction code, which is read by the mobile device 23 to form a transaction content, and then generates a verification code, which is verified by the verification server 20 and ends the transaction.

Next, as shown in the transaction system embodiment shown in FIG. 3, this example shows a transaction platform provided on the other end of the network 2. The transaction platform is a server that provides e-commerce services, such as network services, shopping malls, etc. to provide e-commerce services. The user can access the goods or services provided by the transaction platform 205 by the computer device of the terminal or the mobile device 25 itself. Thereafter, the transaction platform generates a transaction code based on the transaction information, and transmits the transaction code to the mobile device 25 via the network 2. After the information is read by the mobile device 25, the transaction content is formed, and the verification code is generated, and the verification code is transmitted to the verification server 20 via the network 2, and the verification is performed, and the transaction is completed after the verification is completed.

In this example, when the transaction platform 205 forms a transaction code, if displayed on the mobile device 25 in the form of a bar code, the program in the mobile device 25 can capture the image and interpret the information therein; if the transaction code is presented in an alphanumeric string, The user can then copy and paste the relevant transaction content.

For related transaction flow, reference may be made to the flowchart of the embodiment shown in FIG.

According to the foregoing several embodiments, the user can directly input the transaction content (mainly, the amount, etc.) on the transaction device (Automatic Teller Machine (ATM), the point of sale terminal (POS) that executes the cash register transaction, the vending machine, various Kiosks, etc.). Points, discount information, virtual account number, etc.), or input transaction content on the mobile device, no matter what way to enter the transaction content, finally combined with the current chat code, transaction content, mobile device recorded on the mobile device A verification code is generated by calculating various possible combinations of user identification information, mobile device related hardware information, and security authentication data.

In the beginning, if the withdrawal is taken as an example, the user can trigger the transaction device to start the transaction process through the user interface displayed on the transaction device, prompting the user to fill in the withdrawal amount in a specific field in the interface, that is, The amount of cash that is withdrawn on the ATM. This amount is part of the transaction and can be used to form a transaction code.

The main transaction method step flow begins as step S401, the operating mobile device reads the transaction code on the transaction device, and the transaction code may carry a session code indicating the current transaction, or may include the transaction amount.

At this time, in step S403, forming the transaction content in the mobile device may include the self-read transaction code, or the user inputs the transaction content on the mobile device. Therefore, the mobile device reads and derives the information in the transaction code, and uses the specific transaction program of the mobile device to combine various possibilities of information such as user identification information, mobile device related hardware information, and security authentication data recorded by the mobile device. The verification code is generated by combining and calculating, as in step S405.

According to an embodiment, the verification code may be generated by using a seed or a key generated when registering with the verification server, and stored in a memory module of the mobile device, and another user according to the registration. System end species The value or key is stored in the database of the verification server. The transaction program on the mobile device can take out the planting in the memory module, and generate an algorithm based on the combination of the conversation code, the transaction content, the mobile device related hardware information, the user identification information, and the security authentication data information. . In addition, under security considerations, the value is not stored directly in the memory module of the mobile device or the database of the authentication server, but is based on personalized information (user identification information, card information, etc. at the time of registration). The current transaction information, transaction time, hardware serial number of the device, and any combination of the chat codes are calculated. For example, the verification server can generate the system end value according to the instant calculation of the personalized information.

The type of value used by the mobile device to generate the verification code is that when the authentication server registers, the verification server can request the user to transmit personalized information, such as the hardware information (hardware serial number) of the mobile device used by the user. For example, hardware-related codes (such as phone numbers, International Mobile (IP), etc.), network hardware information, etc., and more suitable for near-field communication (NFC) circuits supported by mobile devices. The communication information; personal information does not exclude the general information provided by the user, such as the user's personal information, or a set of pin code, or a virtual account, such as the account provided by the system, One of the personalized information, or a combination, can be a source of seed data. In this way, the value generated by the personalized information is therefore unique, and different devices or users can obtain different kinds of values, and are non-portable, that is, they cannot be used after changing devices. The value may be a string, which may be stored in the personalization device and the verification server after being generated by the verification server (or other host); or in another embodiment, the value is a specific algorithm. Instant computing is performed based on pre-scheduled information, which avoids problems caused by improperly stolen values.

On the verification server end, when receiving the verification code transmitted by the mobile device and the user identification information at least identifying the identity of the user or its device, the symmetry generated by the user registration may be retrieved from the database. Value or its key, the same Or a symmetric algorithm, the information calculus transmitted by the mobile device is used to compare the string of the verification code (system side verification code), as follows.

In step S407, the verification code is transmitted to and at least the user identification information is sent to the verification server. In step S409, the verification server receives at least the user identification information, and may further include the current conversation code, the transaction content, and the mobile device related hardware. Information (this can be used as a user identification information), security certification data and other information, the system is based on a combination of all or part of the information to get the corresponding algorithm symmetry of the value (or symmetric key), for various The possible information combination calculation results in a verification string that verifies the verification code received from the mobile device, so that it can be verified based on the operation result whether the verification code is from an authorized mobile device.

After that, the verification server compares the verification code transmitted by the mobile device and the system-side verification code, and obtains the verification result to end the transaction process. A successful verification means that the transaction can continue until the transaction is successful; if the verification fails, the transaction is aborted.

It is worth mentioning that the message transmission method of the above mobile device and the verification server can be carried out by the information technology (notification) of the network push, and the information exchange during the period can also ensure the information security by the agreed encryption and decryption algorithm. The embodiments also use specific encryption and decryption techniques in the transmission of various parties, but they are not used to limit the scope of implementation of the present invention.

The present disclosure, shown in Figure 5, provides a functional block diagram of an embodiment of a transaction system that performs transactions with a mobile device, wherein the functions represented by the various blocks can be implemented in software or circuitry. In the case of a software-implemented embodiment, the transaction system includes a transaction program executed within the mobile device, program instructions executed within the transaction device, and a verification program executed by the verification server, as described below.

The mobile device 50 executing in the mobile device has the following instructions in accordance with the function:

The transaction code reading module 501 is an instruction for reading the transaction code generated by the transaction device from the transaction device, and includes a method of scanning the program to read the one-dimensional barcode displayed on the display screen, or reading the wireless code by using the wireless communication circuit.

The display module 503 displays the read information on the display screen of the mobile device, or inputs the transaction content or other data through the displayed user interface.

The transaction content formation module 505 is an instruction for forming a transaction content, and the transaction content can be parsed from the information in the transaction code or the transaction content input by the user on the mobile device.

The verification code generation module 507 is an instruction capable of generating a verification code by using a transaction code, a transaction content, and/or a user identification information operation, wherein an algorithm may be provided, which is an algorithm that has been loaded when the transaction program is installed, and is symmetric. To verify the algorithm of the server, the two parties can calculate the verification code and perform the authentication through the comparison.

The communication module 509 is an instruction for forming the transmitted data. The communication module of the mobile device can transmit the verification code and at least the user identification information to the verification server by the destination end of the verification server.

The associated function module in the transaction device 52 includes a transaction code generation module 521 that is triggered to generate a transaction code. The other module is a display module 523 for displaying information such as a one-dimensional bar code, a two-dimensional bar code, an alphanumeric string or a graphic, and an transaction amount obtaining module 525 for displaying an interface for inputting a transaction amount by a user in an embodiment. The verification result acquisition module 527 or the like that receives the instruction of the verification result generated by the verification server.

In the verification server 54, the verification program for performing verification includes, for example, a verification code acquisition module 541 for receiving an instruction of the verification code transmitted from the mobile device; and a verification module 543 for performing the verification step, including the operation to generate a system-side verification The code command compares and compares the command to compare the verification code with the system side verification code, and has an instruction to generate a verification result and transmit it to the transaction device. The verification server 54 is a servo system for multi-person verification, and can process a large number of verification requests. Therefore, a database module 545 can be provided for recording verification information of multiple people, such as a value. The authentication server 54 is provided with a network module 547 that accepts and transmits packet data.

An embodiment of the method for executing a transaction using a mobile device proposed in the above disclosure may refer to the flow shown in FIG. 6.

The figure shows a flow chart of the verification process performed by the mobile device 60 when the transaction is executed. The transaction process starts, the transaction code is generated by the transaction device 61, and the mobile device 60 starts the transaction program and then reads the transaction code (step 611), and the transaction device 61 may also transmit the transaction code to the verification server 62 (step 613), which primarily carries the chat code identifying the transaction program.

The mobile device 60 is provided with a transaction program for executing the process, and can be implemented by means of an action software (APP), an executable file, an application program, etc., wherein the interface displays user identification information 601 using the device and the transaction program, and A machine code 603 indicating the hardware serial number of the transaction device 61 is displayed. In an embodiment, the user does not exclude that there are multiple credit cards, stored value cards, cash cards, etc., and the program interface also provides the consumer with the option to select the card 605 when conducting the transaction.

The transaction amount 607 can be displayed on the program interface of the mobile device 60, and the transaction password 609 can be added if necessary to increase security. When the transaction amount is an implementation entered on the transaction device, the value in the transaction amount 607 field can be parsed from the read transaction code; if the transaction amount is entered on the mobile device 60, the transaction amount 607 The information can be brought in through this program.

The mobile device 60 can then calculate the verification code according to the information obtained by the transaction program, for example, by using all or part of the information of the user identification information 601, the machine code 603, the card 605, the transaction amount 607, and the transaction password 609. The verification code, the verification code and the associated personalized information will be transmitted to the verification server 62 (step 615).

Then, the verification server 62 will perform verification according to the received information, including obtaining the system end value (including pre-storage and instant operation) calculation to obtain the system-side verification code, comparing the verification code received from the mobile device 60, and finally verifying the result. It is transmitted back to the transaction device 61, thereby indicating whether or not authorization for subsequent transactions is made (step 617).

FIG. 7A depicts a flow embodiment of the present application for executing a transaction method using a mobile device in an inter-bank transaction.

This example shows that the mobile device 60 also executes a transaction program as shown in FIG. The plurality of information displayed in the figure is obtained through the transaction program, and the user identification information 601, the machine code 603, the card 605, the transaction amount 607 and the transaction password 609, and the virtual account provided by the system, the information is input from the user. Or obtained from the transaction device 71. In an embodiment, the user operates the mobile device in front of the ATM, and the transaction is performed in a cardless manner, such as interbank transfer or cash withdrawal.

At the beginning of the step, the mobile device 60 reads the transaction code from the transaction device 71 (step 711). The transaction code is mainly the chat code generated by the transaction device 71, or the embodiment described in FIG. The transaction amount is filled in (automated teller machine); in another embodiment, as in the embodiment shown in FIG. 4, the user is not required to enter the transaction amount on the transaction device 71. At the same time, the transaction device 71 can transmit the transaction code to the backend server, such as a system for providing related financial services and verification services (such as the device line 72, the integration platform 73 and the issuing bank 74 covered by the dotted line in the figure), this example The transaction code is transmitted to the device line 72, that is, the vendor providing the transaction device 71, such as a particular financial institution.

When the user operates the transaction program of other financial institutions (such as the issuing bank 74) on the transaction device 71 provided by the device line 72, the authentication and authorization of the service exchange is performed through an integration platform 73, plus the proposed Third-party verification mechanism, this part is like the verification server of the previous embodiment. The issuing bank 74 is such as a user to transfer money, a withdrawal bank or a financial institution. The integration platform 73 performs the format conversion of the two parties in the authentication and authorization of the service exchange in this example, and performs the functions of clearing and message transfer.

After the transaction device 60 executes the transaction program to read the transaction code (711) and obtains the transaction content, the information available on the mobile device is displayed as shown in the figure, and then the verification code is formed according to all or part of the combination of the information, and all or part of the information is included. The personalized information is transmitted to the verification server, which can be a virtual account (step 715). This example shows a cross-bank transaction procedure where the verification code and related information is passed to the issuer 74 for verification. The generation and comparison of the system side verification codes can be referred to the above embodiments.

When the transaction device 71 provided by the user operating device line 72 performs an inter-bank transaction, the transaction device 71 can transmit the transaction code 713 to the device line 72, and the device line 72 will The request for the inter-bank transaction authorization (717, 718) is transmitted to the issuing bank 74 via the integration platform 73. At this time, the issuing bank 74 has obtained the verification-related information from the mobile device 61, and the verification result will be verified by the integration platform 73 according to the request for the inter-bank transaction authorization. The result is to source device row 72 (steps 719, 720). When the verification result is passed, it indicates that the subsequent transaction procedure can be continued, and the verification result is returned by the device line 72 to the transaction device 71 (step 721), which is an authorization authentication, which is processed by the computer system in the transaction device 71, indicating that the transaction is completed, This can be a message showing the success of a cross-bank transfer, or an embodiment of cash withdrawals.

Figure 7B then shows another transaction flow embodiment under the architecture of the present system. As shown in FIG. 6 and FIG. 7A, the mobile device 60 may first obtain various information through the transaction program, which is obtained from the user input or obtained from the transaction device 71, including reading the transaction code from the transaction device 71 (step 731) At the same time, the transaction device 71 may also transmit the transaction code to the belonging device row 72 in the inter-bank transaction procedure (step 735).

In this process, the mobile device 60 also forms a verification code according to the combination of various information, and transmits it to the issuing bank 74 for verification along with some necessary personalized information (step 733). Unlike the flow of FIG. 7A, the issuing bank 74 directly performs verification. And forming authorization information, transmitting the confirmed authorization message to the device row 72 via the integration platform 73 (step 737), the device row 72 compares the information from the transaction device 71, and finally transmits the authorization transaction message ( Step 739).

The present invention uses a mobile device to execute a transaction method that can be applied to a transaction program between another device, such as a vending machine, another mobile device, etc., that is, a consumer can directly use the mobile device to perform two For the purchase and sale between devices, such as amount transfer, point exchange, etc., the process embodiment can refer to FIG. 8.

When the consumer approaches the transaction device 82, the mobile device 81 can be operated to execute the transaction program, such as a vending machine, kiosk, or another mobile device.

If a fixed device (such as a vending machine, Kiosk) is taken as an example, the transaction device 82 The chat code (such as the aforementioned transaction code, in this case, fixed form) can be posted on the information of the transaction device, and can be presented in a one-dimensional bar code, a two-dimensional bar code or a graphic, and does not exclude the use of wireless communication coding technology. The chat code can be displayed on the transaction device 82 in a static manner, and it is not excluded that the vending machine is provided with a display for displaying a timed update or a chat code generated by an instant trigger.

When the operation code is read by the operation device 81 on the transaction device 82 (step 801), it is not excluded that the transaction device 82 also transmits the message to the verification server 83 (step 803). After that, the consumer can input the item and price in the transaction device 82 to be purchased on the transaction program initiated by the mobile device 81, which is the transaction content that provides the verification code for the calculation, and the other can also combine the user identification data and the mobile device. Code, transaction password and other information, using some or any combination of these information to generate a verification code, and transmitting the transaction amount, item and user identification information calculation verification code (or may include chat code, user identification information, etc.) to verify Server 83 (step 805). The transaction is then verified by the verification server 83 to generate a system side verification code corresponding to the user or device. The verification result will be replied to the transaction device 82, and the verification is successful. This is an authorization authentication. The computer host in the transaction device such as the transaction device 82 will process the authorization to automatically output the selected item; if the verification fails, the transaction program is terminated and the transaction can be displayed. Failed message.

Wherein, when the consumer operates the mobile device 81 to read the conversation code on the transaction device 82, in addition to the above, the transaction item can be selected or filled in with the relevant item and the transaction amount, and each transaction device 82 (such as a vending machine) Each shelf item can be attached with information about the item, including name, number, price, etc., so the mobile device can scan the 2D barcode on the item of interest, which is the transaction content of the specific item. , you can quickly verify and authorize.

Taking the transaction device 82 as another mobile device, the transaction device 82 can generate a chat code about the transaction and form a transaction code for executing the transaction. The transaction code can also be a one-dimensional barcode, a two-dimensional barcode, or a wireless code. Or graphically presented, read by the mobile device 81, at this time, the user can start at the mobile device 81 The transaction program inputs the transaction content to be exchanged with the transaction device 82, such as point transfer, transfer, etc., and can provide a calculation to generate a verification code, and can also combine other information to generate a verification code. Next, the mobile device 81 transmits the verification code to the verification server 83, and the verification server 83 generates a system side verification code corresponding to the user or the device, thereby verifying the transaction. The verification result will be replied to the transaction device 82, and if the verification is successful, the transaction is authorized to be executed, for example, the point transfer is successful, or the transfer is successful. During this period, the transaction device 82 may or may not need to be connected to the network, and the mobile device 81 completes the entire process.

Thereafter, since the transaction device 82 of this example does not need to be connected to the network during the transaction, once the transaction device 82 of another mobile device completes the transaction, the software program can update the account number or the point information. Figure 9 shows an embodiment of the point-of-sale terminal (POS) to which the present author uses the mobile device to execute the transaction method applied to the automatic checkout.

In this embodiment, the consumer can push a shopping cart to move in a store or store, and obtain the item 91 to be purchased from the shelf, and each item 91 can carry a bar code or a radio frequency tag (such as RFID) or Others can read the wirelessly encoded tag, so that when the user selects and removes the item 91, the mobile device 92 can be operated to initiate the transaction program, and the bar code or label of each item 91 can be read by the corresponding program. Therefore, the amount of consumption can be recorded and accumulated in the trading program. The steps of reading the product identification code by the mobile device 92, such as 901, 902, 903, the consumer can accumulate the entire consumption amount, and can self-checkout and carry the merchandise 91 according to the embodiment.

Then, before the consumer comes to the transaction device 93 such as a point-of-sale terminal or a kiosk, the transaction information is exchanged with the transaction device 93 (step 905), and the transaction device 93 can be operated to trigger the generation of the conversation code (such as the aforementioned transaction code). It is worth mentioning that the transaction code displayed by the transaction device 93 can be a fixed conversation code, allowing the user to operate the mobile device 92 to read the conversation code; otherwise, the transaction device 93 is generated according to the user operation. The conversation code is only read for a period of time, and the conversation code is read by the mobile device 92; or the generated transaction content can be transmitted from the mobile device 92 to the transaction device 93. At the same time, the transaction device 93 can transmit the chat code to the verification server (step 907), and the verification server 94 manages the transaction program to be completed within a period of time based on the chat code.

Then, the user obtains the transaction content through the transaction content field generated by the transaction program executed on the mobile device 92, and the user can fill in some transaction information as described above via the interface on the transaction device 93, including selecting the card and confirming the The total amount of consumption added by the aforementioned actions, and the possibility to fill in the transaction password. Therefore, the transaction program can form a verification code according to the combination of the conversation code, the transaction content, the hardware signal, the security verification information, and the user identification information, in particular, in this embodiment, the transaction program is based on the sum of the generated amounts, The verification code of the item and the user identification information operation, and all or part of the combined information is also transmitted to the verification server 94 along with the verification code (step 909).

The verification server 94 verifies according to the information transmitted by the mobile device 92, including obtaining the corresponding system end value and the symmetric computing system end verification code, and finally returns the verification result to the transaction device 93, which is an authorization authentication and sales. The computer host in the transaction device 93, such as the point terminal, will process the authorization and agree to the consumer to pick up the merchandise, and does not exclude the result from being transmitted to the mobile device 92 as well. The point-of-sale terminal at the point of sale terminal has a company system that provides goods and services.

The method for executing a transaction using a mobile device disclosed in the present disclosure can be applied to an operator who is installed on a specific trading platform, such as an online shopping mall (such as an online business operator), an online store, and an operator who conducts transactions through an auction website. The embodiment can refer to the flow described in FIG.

In this example, the transaction device of the foregoing embodiments is applied to a computer system installed on the network, and operates as a transaction platform 112. The transaction platform 112 provides a computer system for performing online transactions by an online shopping mall, an online store, and a network auctioneer. platform. The user device 111 includes a mobile device, a personal computer device, etc., and the user can operate the mobile device to directly enter the transaction platform 112 to purchase goods, complete checkout and perform verification, etc.; or, the user can operate a personal computer device such as a PC or a note. Computers, tablets, etc., purchase goods and delivery checkouts, and then perform verification with another mobile device (such as a mobile phone). The verification server 113 can be a stand-alone computer device or a verification function operating in a trading platform.

Implementing a process such as a diagram, the transaction device is configured to provide a transaction platform 112 for performing a business transaction by an online mall, an online store, or a network auctioneer, and can provide a product browsing, a trading platform 112, and a webpage or a specific application. A program such as a shopping cart or a user list may be provided to record a product item purchased by the user using the user device 111, such as step 1111, and the transaction process is started according to the user interface provided by the transaction platform 112. The commodity item, transaction amount and payment method can be confirmed, such as selecting a specific bank credit card, stored value card, third party payment, etc., and checking is performed after confirmation.

The transaction platform 112 then generates a transaction code according to the checkout information of one or more commodities, and as shown in the foregoing embodiment, the user can operate the mobile device by using various forms of barcodes, graphics, alphanumeric strings or wireless coding. Read the transaction code as in step 1112. At the same time, the transaction platform 112 can transmit the chat code of the current program to the verification server 113 (step 1113).

According to the implementation of step 1112, if the user device 111 has a mobile device and a personal computer device, the user can operate the personal computer to enter the transaction platform 112, and after completing the purchase, checkout, and the transaction platform 112 according to the checkout information (item) Number, transaction amount, points, preferential information, etc.), and can add a conversation code representing the transaction procedure, calculate a transaction code, and then the user operates the mobile device to read the transaction code. The reading command installed in the transaction program in the mobile device is opened, and the transaction code displayed on the trading platform 112 is read, for example, the QR code scanning program is started to read the 2D barcode, or the NFC reading program is started to read the transaction device. The wireless signal generated in the middle, etc., is used to form a verification code.

However, in another implementation of step 1112, the user can use the mobile device (111) to enter the transaction platform 112 to purchase merchandise and checkout. Similarly, the transaction platform 112 continues to generate transaction codes, such as bar code. The one-dimensional barcode, the two-dimensional barcode or the graphic image is retrieved by the verification program in the mobile device (111), or the English-language serial transaction code generated by the transaction platform 112 is not excluded, and then the information is read by the transaction program. After that, the steps of continuing to generate the verification code.

In the end, the transaction content will be formed on the mobile device. The transaction content may include the transaction amount or the purchase item, and the transaction content and the specific personalized information will become the basic parameters for forming the verification code.

Then, in step 1114, the verification code is transmitted to the verification server 113, and the personalized information required by the verification server, such as the user identification information at the time of registration, the card information, etc., should be transmitted, so that the verification server 113 can be based on These personalized information instant operations generate data (system side verification code) for confirming the verification code.

Thereafter, the verification result is generated and the result is replied to the trading platform 112. If the result is 1115, the result will affect whether the transaction is successful, and if the verification is successful, the transaction will be completed (step 1116).

Therefore, the method and transaction system for executing a transaction using a mobile device described in the above disclosure are mainly applied to an authentication program in a transaction program, including a verification program that can be applied to an ATM cash withdrawal, deposit, transfer, and the like. It can also be used in the verification process of general shopping transactions, even the vending machine transactions, the transaction procedure has high security, and there is no need for passwords, credit cards or ATM cards except for using mobile devices. Being stolen. In particular, during the transaction process, the transaction code is generated by the transaction device, read by the mobile device, and the verification code generated by the program is used by the third-party verification unit to perform identity verification. Through the operation of this creation, a highly secure trading program can be provided.

However, the above description is only a preferred and feasible embodiment of the present invention, and thus does not limit the scope of the patent of the present invention. Therefore, the equivalent structural changes that are made by using the present specification and the illustrated contents are equally included in the present creation. Within the scope, it is combined with Chen Ming.

2‧‧‧Network

20‧‧‧Verification server

201,203‧‧‧ trading device

21,23‧‧‧ mobile devices

Claims (13)

A transaction system for providing a transaction by a mobile device, comprising: a transaction device for generating a transaction code based on transaction information; a mobile device for reading the transaction code and forming a transaction content, the transaction code, the transaction content and / or a user identification information operation generates a verification code; and a verification server, the verification code generated by the mobile device is verified through the network, and the verification result is transmitted to the transaction device. A transaction system for providing a transaction by a mobile device as claimed in claim 1, wherein the transaction device is an automated teller machine. A transaction system for providing a transaction by a mobile device, as described in claim 2, wherein the automated teller machine is coupled to a system of financial services. A transaction system for providing a transaction by a mobile device, as described in claim 3, wherein the system of the financial service comprises a device line, an integration platform, and a card issuing line. A transaction system for providing a transaction by a mobile device as claimed in claim 1, wherein the transaction device is a point of sale terminal. A transaction system for providing a transaction by a mobile device as claimed in claim 1, wherein the transaction device is a vending machine. A transaction system for providing a transaction by a mobile device as claimed in claim 1, wherein the transaction device is another mobile device. A transaction system for performing a transaction by a mobile device as claimed in any one of claims 1 to 7, wherein the verification server is a stand-alone computer device. A transaction system for performing a transaction by a mobile device, wherein the transaction code is represented in a bar code, and the transaction device is provided with a display screen displaying the transaction code, as described in one of claims 1 to 7. A transaction system for performing a transaction by a mobile device, wherein the transaction code is transmitted in a wireless code, and the transaction device is provided with a display screen displaying the transaction code, as described in one of claims 1 to 7. A transaction system for providing a transaction by a mobile device, comprising: a transaction platform for providing a service and generating a transaction code based on the transaction information; a mobile device for reading the transaction code and forming a transaction content, the transaction code, the transaction code The transaction content and/or a user identification information operation generates a verification code; and a verification server validates the verification code generated by the mobile device through the network, and transmits the verification result to the transaction device. A transaction system for providing a transaction by a mobile device, as described in claim 11, wherein the verification server is a stand-alone computer device. A transaction system for providing a transaction by a mobile device, as described in claim 11, wherein the transaction platform is a server that provides an e-commerce service.