TW201619879A - Method of transacting by using portable device at retail side - Google Patents

Abstract

The invention relates to a method of transacting by using a portable device at a retail side. The retail side comprises a cashing system. The method includes steps as follow: inputting a first transacting information to the cashing system; transmitting an identifying information of the portable device to the cashing system; transmitting the first transaction information to the portable device; confirming the first transaction information and generating a second transaction information on the portable device; transmitting the second transaction information to a remote-paying system; and approving or disapproving the transaction by the remote-paying system.

Description

Method for trading on the retail side with a portable device 【0001】

The present invention relates to a method of transaction, and more particularly to a method of transacting at a retail end with a portable device.

【0002】

In the prior art, the method of trading on the retail side mainly includes two types of transactions in a physical currency or in a plastic currency through a third party institution (such as a bank) other than the retail end. In terms of physical currency, since the manufacture and distribution of the physical currency itself consumes resources, and the physical currency is not portable, and the physical currency is also lost or stolen, trading in physical currency is not an ideal transaction. mode. In terms of plastic money, including trading with credit cards or leisure cards, it has become an increasingly popular trading method in recent years. The advantage of plastic money is that it has high portability and low resource consumption. However, plastic money is still suspected of being lost or stolen, and there is a possibility of being stolen. In addition, before the implementation of the trading of plastic currency, it is necessary to establish a special software and hardware facility on the retail side to construct a trading system corresponding to the third-party machine, thus increasing the overall cost invisibly. From this point of view, the conventional trading method does not reveal further solutions.

[0003]

In view of the above, the object of the present invention is to provide a method for transacting a portable device on a retail end, which is compatible with a cash register system at a retail end by a portable device such as a smart phone that is now popular, with a view to It can reduce resource consumption, improve convenience, reduce the risks that may occur when lost or stolen, and reduce the overall construction cost of the trading system.

[0004]

In order to achieve the above object, the present invention provides a method for trading on a retail side with a portable device, and the retail terminal includes a cash register system. The method includes: inputting the first transaction information in the cash register system; transmitting the authentication data in the portable device to the cash register system; transmitting the first transaction information to the portable device; and confirming the first transaction information on the portable device and Generating second transaction information; transmitting second transaction information to the remote payment system; and the remote payment system confirming whether the transaction is approved.

[0005]

In an embodiment of the invention, the cash register system includes a virtual cash register and a back-end host, and the virtual cash register is electrically connected to the back-end host.

[0006]

In an embodiment of the invention, the step of inputting the first transaction information in the cash register system substantially inputs the first transaction information in the virtual cash register.

【0007】

In an embodiment of the invention, the virtual cash register is an application installed on a mobile device, and the mobile device wirelessly connects the backend host.

[0008]

In an embodiment of the invention, the step of transmitting the authentication data in the portable device to the cash register system further comprises: electrically connecting the portable device and the virtual cash register; and transmitting the authentication data in the portable device to the virtual The cash register; and transmitting the first transaction information and the transaction notification generated by the virtual cash register to the backend host. Wherein, after the backend host confirms the transaction notification, the backend host transmits the first transaction information to the portable device.

【0009】

In an embodiment of the invention, the step of electrically connecting the portable device to the virtual cash register is substantially electrically connected to the portable device and the virtual cash register by a near field communication (NFC) technology.

[0010]

In an embodiment of the present invention, the step of confirming the first transaction information on the portable device and generating the second transaction information further includes: selecting a payment method on the portable device and generating second transaction information, where The second transaction information includes payment information and first transaction information.

[0011]

In an embodiment of the invention, the step of transmitting the second transaction information to the remote payment system further comprises: after the portable device transmits the second transaction information to the backend host, the backend host transmits the second transaction information to the far End payment system.

[0012]

In an embodiment of the invention, the step of the remote payment system confirming whether to approve the transaction further comprises: if the remote payment system approves the transaction, respectively transmitting the transaction completion message to the portable device and the virtual cash register.

[0013]

In an embodiment of the invention, the portable device includes a smart phone, and the portable device is equipped with a digital wallet, and the digital wallet includes authentication data.

[0014]

The invention provides a method for transacting a portable device on a retail end, and by using a smart phone equipped with a digital wallet and a cash register system at the retail end, the transaction can be completed, compared with the conventional knowledge. Technology, the present invention can reduce resource consumption and improve convenience, and even if the smart phone is lost or stolen, it can also reduce the loss or theft when the smart phone has the password activation function such as password booting and fingerprint recognition. The risk of occurrence (such as the possibility of the credit card being stolen), and the present invention does not need to construct a special soft and hardware for a specific third party machine, and only needs to have a general tablet computer, a desktop computer and/or a server and install corresponding Software can be, this way, can reduce the overall construction of the trading system.

[0024]

100‧‧‧ trading system

101‧‧‧Client

102‧‧‧ retail side

103‧‧‧Payment end

110‧‧‧Portable device

111‧‧‧Digital wallets

120‧‧‧ cash register system

121‧‧‧Mobile devices

122‧‧‧Backend host

123‧‧‧Virtual cash register

130‧‧‧Remote payment system

S101‧‧‧Enter the first transaction information in the virtual cash register

S103‧‧‧Electric connection portable device and virtual cash register

S105‧‧‧Transfer authentication data from portable devices to virtual cash register

S107‧‧‧Transfer the first transaction information and transaction notification to the backend host

S109‧‧‧ Backend Host Confirmation Transaction Notification

S111‧‧‧Transfer the first transaction information to the portable device

S113‧‧‧Select payment method on the portable device and generate the second transaction information

S115‧‧‧Transfer the second transaction information to the backend host

S117‧‧‧Transfer second transaction information to remote payment system

S119‧‧‧Confirm whether the transaction is approved

S121‧‧‧Transfer transaction completion message to portable device and virtual cash register

S123‧‧‧Transfer transaction failure message to portable device and virtual cash register

[0015]

BRIEF DESCRIPTION OF THE DRAWINGS Figure 1 is a block diagram of a transaction system in accordance with a preferred embodiment of the present invention.

2 is a flow chart of a method for conducting a transaction at a retail end by a portable device according to a preferred embodiment of the present invention.

[0016]

In order to make the objects, features, and advantages of the present invention more readily understood by those of ordinary skill in the art, the following description of the preferred embodiments and the accompanying drawings.

[0017]

Please refer to FIG. 1. FIG. 1 is a block diagram of a transaction system 100 according to a preferred embodiment of the present invention. The transaction system 100 includes a client 101, a retail terminal 102 and a payment terminal 103, wherein the client 101 represents consumption. The retail terminal 102 represents the seller and the payment terminal 103 represents the bank or a third party payment institution. The client 101 includes a portable device 110. In the embodiment, the portable device 110 is a smart phone, but is not limited thereto. The portable device 110 is equipped with a digital wallet 111 or an application having the same function. The digital wallet 111 includes authentication data, and the authentication data may be the number of the digital wallet 111 or the user account of the portable device 110. The authentication data is used to establish a corresponding connection relationship between the portable device 110 and the retail terminal 102 for further transactions. The retail terminal 102 includes a cash register system 120. In the present embodiment, the cash register system 120 includes a mobile device 121 and a backend host 122. The mobile device 121 is electrically connected to the backend host 122 in a wireless manner, but is not limited thereto. The mobile device 121 is, for example, a tablet computer, which is convenient for the staff of the retail terminal 102 to carry, and the backend host 122 is, for example, a transaction server. The virtual cash register 123 or other application having the same function is installed in the mobile device 121. The virtual cash register 123 can be used for inputting items such as check items and amounts. In the embodiment, the items such as the check item and the amount are input. The method is manually input by the staff; in other embodiments, the bar code scanner can be used to scan the bar code on the product to input the above data, or the photographing unit on the mobile device can be used to take the product, and then the image is processed through the image recognition process. . In this embodiment, the payment terminal 103 includes a remote payment system 130, and the remote payment system 130 can establish a connection with the backend host 122 through a wireless or wired manner.

[0018]

Referring to FIG. 2 again, FIG. 2 is a flow chart showing a method for the transaction of the portable device 110 on the retail end 102 according to a preferred embodiment of the present invention. The method shown in FIG. 2 is applied. 1 is a trading system 100 as shown. In this embodiment, the consumer of the client 101 holds the portable device 110, the seller of the retail terminal 102 is provided with a cash register system 120, and the cash register system 120 and the remote payment system 130 of the payment terminal 103 are connected. In step S101, the consumer purchases the merchandise to the seller's store, and proceeds to the cashier counter of the store for checkout, and the store staff inputs the first transaction information to the virtual cash register 123 of the mobile device 121 of the cash register system 120. The first transaction information includes the checkout item and the amount.

[0019]

Then, steps S103 to S109 are performed to transmit the authentication data in the portable device 110 to the cash register system 120. In the step S103, the consumer first electrically connects the portable device 110 to the virtual cash register 123. In this embodiment, the portable device 110 and the mobile device 121 both have a short-range communication (NFC) function. The consumer can automatically connect the portable device 110 and the virtual cash register 123 with the short-range communication technology by moving the portable device 110 to the mobile device 121 so that the distance between them is less than a certain distance. Then, in step S105, the authentication data in the portable device 110 is automatically transmitted to the virtual cash register 123 through the short-range communication. In this embodiment, the authentication data is previously registered by the consumer in the portable device 110. The registered user account number and the number of the wallet 111 in the portable device 110. Next, in step S107, the virtual cash register 123 generates a transaction notification according to the authentication data, and the transaction notification includes the number of the wallet 111, the code of the store and the transaction number, and the mobile device 121 transmits the first transaction information and the transaction notification. To the backend host 122 of the cash register system 120. Then, in step S109, after the backend host 122 confirms the transaction notification, in other words, after the backend host 122 confirms the sender identity and transaction data of the transaction notification, proceeding to step S111, the backend host 122 transmits the first transaction information. To the portable device 110.

[0020]

In step S113, the consumer receives the first transaction information on the portable device 110, so the consumer can confirm whether the content of the first transaction information is correct through the portable device 110, such as the item, quantity and amount of the checkout item. And if the confirmation is correct, the payment method may be further selected, for example, a virtual credit card in a secure element (SE) in which the consumer has previously logged in the short-range communication chip of the portable device 110. But it is not limited to this. After the consumer selects the payment method and confirms the payment, the portable device 110 generates the second transaction information, wherein the second transaction information includes the payment information and the first transaction information, and the payment information includes the credit card number and the credit card expiration. Information such as the date and security component authentication code (SEID).

[0021]

Next, steps S115 to S117 are performed to transmit the second transaction information to the remote payment system 130. In step S115, after the portable device 110 transmits the second transaction information to the backend host 122, proceeding to step S117, the backend host 122 transmits the first according to the request of the acquiring bank (ie, the payment terminal 103). Second, the transaction information is sent to the remote payment system 130 and a transaction request is filed.

[0022]

In step S119, the remote payment system 130 confirms whether to approve the transaction. If the transaction is approved, then proceed to step S121, the remote payment system 130 transmits a transaction completion message to the backend host 122, and the backend host 122 transmits the transaction separately. Completing the message to the virtual cash register 123 of the portable device 110 and the mobile device 121, so that the consumer and the store staff can know the transaction result; if the transaction is not approved in step S119, then proceed to step S123, the remote payment The system 130 transmits a transaction failure message to the portable device 110 and the virtual cash register 123.

[0023]

While the present invention has been described above in terms of the preferred embodiments thereof, it is not intended to limit the invention, and the present invention may be modified and modified without departing from the spirit and scope of the invention. The scope of protection is subject to the definition of the scope of the patent application.

S101‧‧‧Enter the first transaction information in the virtual cash register

S103‧‧‧Electric connection portable device and virtual cash register

S105‧‧‧Transfer authentication data from portable devices to virtual cash register

S107‧‧‧Transfer the first transaction information and transaction notification to the backend host

S109‧‧‧ Backend Host Confirmation Transaction Notification

S111‧‧‧Transfer the first transaction information to the portable device

S113‧‧‧Select payment method on the portable device and generate the second transaction information

S115‧‧‧Transfer the second transaction information to the backend host

S117‧‧‧Transfer second transaction information to remote payment system

S119‧‧‧Confirm whether the transaction is approved

S121‧‧‧Transfer transaction completion message to portable device and virtual cash register

S123‧‧‧Transfer transaction failure message to portable device and virtual cash register

Claims (10)

[Item 1] A method for transacting at a retail end by a portable device, the retail end comprising a cash register system, and the method for transacting at a retail end by the portable device comprises:
Entering a first transaction information in the cash register system;
Transmitting an authentication material in the portable device to the cash register system;
Transmitting the first transaction information to the portable device;
Confirming the first transaction information on the portable device and generating a second transaction information;
Transmitting the second transaction information to a remote payment system; and the remote payment system confirms whether the transaction is approved. [Item 2] The method for transacting a portable device on a retail end according to claim 1, wherein the cash register system comprises a virtual cash register and a back end host, and the virtual cash register is electrically connected to the back end host. [Item 3] The method for transacting a portable device on a retail end as described in claim 2, wherein the step of inputting the first transaction information in the cash register system substantially inputs the first transaction information to the virtual In the cash register. [Item 4] A method for transacting a portable device on a retail end as described in claim 3, wherein the virtual cash register is an application installed on a mobile device, and the mobile device wirelessly connects to the backend host. [Item 5] The method of transacting the portable device to the cash register system according to the third aspect of the invention, wherein the step of transmitting the authentication data in the portable device to the cash register system further comprises:
Electrically connecting the portable device to the virtual cash register;
Transmitting the authentication data in the portable device to the virtual cash register; and transmitting the first transaction information and a transaction notification generated by the virtual cash register to the backend host;
The backend host transmits the first transaction information to the portable device after the backend host confirms the transaction notification. [Item 6] The method for transacting a portable device on a retail end as described in claim 5, wherein the step of electrically connecting the portable device to the virtual cash register is substantially electrically connected by a short-range communication technology. The portable device and the virtual cash register. [Item 7] The method for the transaction of the portable device on the retail end as described in claim 5, wherein the step of confirming the first transaction information on the portable device and generating the second transaction information further comprises:
Selecting a payment method on the portable device and generating the second transaction information, wherein the second transaction information includes a payment information and the first transaction information. [Item 8] The method for transacting a portable device on a retail end as described in claim 6 wherein the step of transmitting the second transaction information to the remote payment system further comprises:
After the portable device transmits the second transaction information to the backend host, the backend host transmits the second transaction information to the remote payment system. [Item 9] The method for transacting a portable device on a retail end as described in claim 8 wherein the step of the remote payment system confirming whether to approve the transaction further comprises:
If the remote payment system approves the transaction, a transaction completion message is transmitted to the portable device and the virtual cash register, respectively. [Item 10] The method of claim 1, wherein the portable device comprises a smart phone, and the portable device is mounted with a digital wallet, the digital device The wallet includes the certification information.