TW202221601A - Mobile payment device and operation method thereof wherein the mobile payment device includes central control unit, an identity authentication module, an input interface, a display module, a security chip, an induction antenna and a quadrilateral casing - Google Patents

Abstract

A mobile payment device includes a central control unit, an identity authentication module, an input interface, a display module, a security chip, an induction antenna and a quadrilateral casing, wherein the central control unit is electrically connected to the identity authentication module, the input interface, the display module and the security chip. The central control unit selects one of at least one card information displayed by the display module as payment card information according to an input signal input by a holder and activates the security chip according to a signal input by the holder before performing a payment action so that the security chip provides the payment card information to the induction antenna.

Description

Mobile payment device and operation method thereof

The present application relates to a mobile payment device and an operation method thereof, especially a mobile payment device for offline payment and an operation method thereof.

Generally speaking, different merchants will use different marketing methods to encourage consumers to consume according to their business strategies. Common marketing methods include membership discounts, special credit card discounts, etc. In order to obtain various preferential qualifications, consumers often Hold multiple cards at the same time.

However, in order to be able to use the discounts, consumers not only hold multiple cards, but also carry them with them frequently. Multiple cards not only take up space and weight for consumers, but are also difficult to manage, which obviously causes trouble for consumers.

In view of the above-mentioned shortcomings of the prior art, the main purpose of the present application is a mobile payment device and an operation method thereof, which can centrally manage the information of multiple cards in a single mobile payment device, which does not occupy too much space, and can be offline For transactions, it also has a security authentication mechanism that meets the requirements of international credit card institutions, thereby enhancing the convenience and security of the holder to use the mobile payment device.

In order to achieve the above object, the present application proposes an operation method of a mobile payment device. The method includes the following steps: selecting and confirming a payment card information after an identity authentication is completed; and before executing a payment action, receiving an enable signal to activate a A security chip, so that the security chip provides the payment card information for transaction.

Through the above steps, the mobile payment device can further confirm the information of a payment card to be used for payment after completing the identity authentication, and activate the security chip for transaction before executing the payment action. Thereby, the holder of the mobile payment device only needs to carry a single mobile payment device to select multiple payment card information, and select the payment card information to be used by the mobile payment device, and the holder Without carrying a plurality of physical cards, the mobile payment device can be used for payment in a safe and power-saving manner, thereby enhancing the convenience and security of the holder using the mobile payment device.

In order to achieve the above object, the present application also proposes a mobile payment device, which includes a central control unit, an identity authentication module, an input interface, a display module, a security chip, a sensing antenna, and a quadrilateral casing, wherein The central control unit is electrically connected with the identity authentication module, the input interface, the display module and the security chip. The central control unit is used for selecting one of the at least one card information displayed by the display module as payment card information according to an input signal input by a holder, and activates it according to the received consistent signal before executing the payment action The security chip enables the security chip to provide the payment card information to the induction antenna.

With the above structure, the mobile payment device can further confirm the information of the payment card to be used for payment after the identity authentication is completed, and activate the security chip for transaction before executing the payment. Thereby, the holder of the mobile payment device only needs to carry a single mobile payment device to select multiple payment card information, and select the payment card information to be used by the mobile payment device, and the holder Without carrying a plurality of physical cards, the mobile payment device can be used for payment in a safe and power-saving manner, thereby enhancing the convenience and security of the holder using the mobile payment device.

Regarding the embodiment of the mobile payment device 1 of the present application, please refer to FIG. 1 . FIG. 1 is a system architecture diagram of the mobile payment device 1 , which includes a central control unit 10 , an identity authentication module 20 , and an input interface 30. A display module 40, a security chip 50, a sensing antenna 60, a power management module 70 and a rechargeable battery 80, and the central control unit 10 and the identity authentication module 20, the input interface 30, the The display module 40 and the security chip 50 are electrically connected.

The identity authentication module 20 is used for receiving an identity information of the holder of the mobile payment device 1 to perform identity authentication. Further, the identity authentication module 20 is used to receive the identity information of the holder of the mobile payment device 1 and to determine whether the identity information is the same as the plurality of identity authentication information established in the identity authentication module 20 . A match of one of the authenticated information and an unauthenticated information are generated accordingly, wherein the authenticated information represents that the identity information matches one of the plurality of identity authentication information established in the identity authentication module 20, the Unauthenticated information means that the identity information does not match all the identity authentication information in the plurality of identity authentication information established in the identity authentication module 20 .

The input interface 30 is used for generating corresponding input signals according to the operation of the holder. In this embodiment, the input signal is used to control the display screen of the display module 40 and to select at least one card information as payment card information, and the input signal can be used as an activation signal to activate the security chip 50 .

The display module 40 is used for correspondingly displaying the at least one card information according to the input signal.

The security chip 50 is used for encrypting the selected payment card information and providing the payment card information to the sensing antenna 60 .

The sensing antenna 60 is electrically connected to the security chip 50 for receiving and transmitting the payment card information to a coupled external sensing antenna (not shown).

The central control unit 10 is used to make the display module 40 display the at least one card information when the identity authentication is completed, and select the at least one card displayed by the display module according to the input signal input by the holder One of the information is used as the payment card information, and before executing the payment action, the security chip is activated according to the activation signal input by the holder, so that the security chip provides the payment card information to the induction antenna.

A power management module 70 is electrically connected to the central control unit 10 , the identity authentication module 20 , the input interface 30 , the display module 40 , the security chip 50 , and the rechargeable battery 80 for controlling the rechargeable battery 80 to provide the central control unit 10 , the identity authentication module 20 , the input interface 30 , the display module 40 , the security chip 50 , the power required for the operation of the sensing antenna 60 , and the power management module 70 It is further used to store the received electrical energy in the rechargeable battery 80 . The power management module 70 further includes a first end 71 and a second end 72. The first end 71 and the second end 72 are used for contacting and electrically connecting with a charging device, so that the charging device can The rechargeable battery 80 is charged.

Further, the central control unit 10 can execute a wireless communication mode to communicate with an external electronic device (eg, a smart phone, a tablet computer, etc.) to receive the at least one card information used as the payment card information .

The mobile payment device 1 further includes a quadrilateral casing 90 for accommodating the central control unit 10 , the identity authentication module 20 , the input interface 30 , the display module 40 , the security chip 50 , and the sensing antenna 60. The power management module 70 and the rechargeable battery 80.

Further, please refer to FIG. 2 at the same time, which is a schematic top view of an embodiment of the application, wherein the quadrilateral housing 90 further exposes the identity authentication module 20 , the input interface 30 , the display module 40 and the first One end 71 and the second end 72 .

In this way, when the holder makes payment with the mobile payment device 1 , the identity authentication module 20 can perform the identity authentication first, and after completing the identity authentication, the card information displayed by the display module 40 can be used. , operate the input interface 30 to select the card information as the payment card information, after the selection is completed, and when ready to pay, the holder can operate the input interface 30 to generate an activation signal for activating the security chip 50, and hold the The mobile payment device 1 performs payment.

Further, in this embodiment, the first terminal 71 may be a ground (GND) charging terminal, and the second terminal 72 may be a power (VCC) charging terminal. In other words, the power charging end is adjacent to the edge of the quadrilateral casing 90 , and the ground charging end is far from the edge of the quadrilateral casing 90 relative to the power charging end. As shown in Figure 2 to Figure 4. Therefore, when the mobile payment device 1 is in contact with the charging device, the second terminal 72 is the power (VCC) charging terminal, so that the power terminal of the charging device will not be charged with the ground of the mobile payment device 1 The terminals are contacted and short-circuited, so as to prevent the charging device and/or the mobile payment device 1 from being damaged, and improve the safety of the mobile payment device 1 in use.

In this embodiment, the at least one card information is a code generated by a credit card digitization mechanism provided by a credit card issuing organization. Thereby, the mobile payment device 1 can pay with the code in an environment without internet connection, and realize the function of physical credit card payment.

In one embodiment, the central control unit 10 is, for example, a bluetooth chip module, and the present application is not limited thereto.

In one embodiment, the identity authentication module 20 is, for example, a fingerprint recognition module, and the identity information is the fingerprint of the holder, and the present application is not limited thereto.

In one embodiment, the input interface 30 is, for example, a touch switch or a touch panel, and the present application is not limited thereto.

In one embodiment, the display module 40 is, for example, an electronic paper module, and this application is not limited thereto.

In one embodiment, the dimensions (ie, length and width) of the quadrilateral housing 90 comply with the requirements of the international standard ISO/IEC7810-ID1.

Please refer to FIG. 3 . FIG. 3 is a perspective view of an embodiment of the present application. The quadrilateral housing 90 of the mobile payment device 1 can define a length L, a width W and a height H. As shown in FIG. In this embodiment, the length L can range from 85.1 mm to 86.1 mm, and the length L is preferably 85.6 mm. In this embodiment, the range of the width W may be 53.48mm˜54.48mm, and the width W is preferably 53.98mm. In this embodiment, the range of the height H may be 0.75mm˜1.5mm, and the height H is preferably 0.80mm. Therefore, the size of the mobile payment device 1 can meet the requirements of the international standard ISO/IEC7810-ID1.

Please further refer to FIG. 4 , which is another embodiment of the present application. The difference between FIG. 3 and FIG. 4 is that the mobile payment device 1 ′ of FIG. 4 further includes a contact-type smart card chip module 100 . Therefore, the mobile payment device 1' is more suitable for the card application of the contact-type smart card chip module 100, so as to expand the application range of the mobile payment device 1'.

In the embodiment of FIG. 4 , the height H of the quadrilateral housing 90 may further be 0.76 mm˜0.84 mm.

In one embodiment, the mobile payment device 1 or the mobile payment device 1' may be a card-shaped mobile payment device.

The operation method of a mobile payment device 1 can be summarized from the above preferred embodiments and application methods of the present application, as shown in FIG. 5 , which includes the following steps.

Step S110, determine whether a first-level identity authentication is successful. The identity authentication module 20 of the mobile payment device 1 is used for receiving an identity information of the owner of the mobile payment device 1 to perform identity authentication. When it is determined that the authentication is successful, go to step S120 , otherwise, proceed to step S110 .

Step S120, confirming payment card information. The central control unit 10 of the mobile payment device 1 causes a display module 40 to display at least one card information, and according to an input signal input by the holder, displays one of the at least one card information displayed by the display module as the payment card information.

In step S130, it is determined whether an enabling signal is received. The central control unit 10 determines whether the enabling signal input by the holder is received, and if the determination is yes, the process proceeds to step S140 , otherwise, the process proceeds to step S130 .

In step S140, a security chip is activated to conduct a transaction. The central control unit 10 activates the security chip according to the input signal, so that the security chip transmits the payment card information to the sensing antenna 60 of the mobile payment device 1, so that the sensing antenna 60 can transmit the payment card information to the coupled External induction antenna for payment. In this way, the safety chip is activated only when the central control unit 10 receives the input signal as the activation signal, thereby effectively reducing power consumption and achieving the purpose of power saving.

Therefore, the holder of the mobile payment device 1 only needs to carry a single mobile payment device to carry multiple payment card information, and the mobile payment device 1 selects the payment card information to be used, and furthermore The mobile payment device can only be used after the identity of the holder is confirmed. The holder does not need to carry multiple cards, and can make payments with the mobile payment device in a safe and energy-saving manner, thereby enhancing the use of the mobile payment device by the holder. convenience and safety.

In one embodiment, after step S120 and before step S130, step S121 is further included. As shown in FIG. 6, step S121 includes determining whether an identity authentication is successful. The identity authentication module 20 receives the identity information input by the holder again to perform the second level of identity authentication. When it is determined that the authentication is successful, go to step S130 , otherwise, continue to step S121 . In this way, the identity of the holder can be confirmed again before the payment operation is performed, and the security of using the mobile payment device can be effectively improved.

In one embodiment, before step S110 , step S100 is further included: establishing identity authentication information, as shown in FIG. 7 . Step S100 further includes the following steps.

Step S101: Power on. Turn on the mobile payment device 1 .

Step S102: Sensing identity information. The holder inputs the identity information in the identity authentication module 20 .

Step S103: Create identity authentication information. The identity authentication module 20 creates the identity authentication information based on the identity information input by the holder in step S102.

Thereby, when the holder performs the aforementioned identity authentication on the mobile payment device 1, the pre-established identity authentication information can be used to perform the corresponding authentication process.

In one embodiment, before step S110 and after step S100, the following steps may be further included, as shown in FIG. 8 .

Step S105: Connect the charging device. Connect the mobile payment device 1 to a charging device for charging, and use this step as a triggering condition for the following steps (steps S106 to S107 ), so that the mobile payment device 1 continuously executes the following steps.

Step S106: Determine whether the identity authentication is successful. The identity authentication module 20 receives the identity information input by the holder to perform the identity authentication. When it is determined that the authentication is successful, go to step S107 , otherwise, continue to step S106 .

Step S107: Execute the wireless communication mode. The central control unit 10 is connected to an external electronic device through wireless communication to receive at least one card information sent by the external electronic device.

Thereby, the at least one card information can be stored in the mobile payment device 1 by the external electronic device.

Therefore, in the present application, through the mobile payment device 1, multiple card information can be stored in a single mobile payment device 1, so that the holder of the mobile payment device 1 does not need to carry multiple cards with him. The card information stored in the payment device 1 performs corresponding payment operations, and the mobile payment device 1 does not need to communicate with the credit card center in real time, which effectively reduces the circuit design and the required cost of the mobile payment device 1. In addition, it conforms to the international credit card organization. The required authentication procedure and secure transaction mechanism can further ensure transaction security, reduce the possibility of misappropriation, increase the security of the mobile payment device 1 in payment, and because of the mechanism of re-activating the security chip before payment, not only effective The power consumption is saved, the mobile payment device 1 does not need to be equipped with a large power supply device, the volume and weight of the mobile payment device 1 are reduced, and the convenience of use by the holder is effectively improved.

1: Mobile payment device 1’: Mobile payment device 10: Central control unit 20: Identity authentication module 30: Input interface 40: Display module 50: Security Chip 60: Induction antenna 70: Power Management Module 71: First End 72: Second End 80: rechargeable battery 90: Quadrilateral shell 100: Contact smart card chip module L: length W: width H: height S100, S101, S102, S103, S105, S106, S107, S110, S120, S121, S130, S140, S150: Steps

FIG. 1 is a schematic diagram of a system architecture of a mobile payment device according to an embodiment of the present invention; 2 is a schematic top view of a mobile payment device according to an embodiment of the present invention; 3 is a three-dimensional schematic diagram of a mobile payment device according to an embodiment of the present invention; 4 is a schematic top view of a mobile payment device according to another embodiment of the present invention; FIG. 5 is a flowchart of an operation method of a mobile payment device according to an embodiment of the present invention; FIG. 6 is a flowchart of still another operation method of the mobile payment device according to an embodiment of the present invention; FIG. 7 is a flowchart of another operation method of the mobile payment device according to an embodiment of the present invention; and FIG. 8 is a flowchart of another operation method of the mobile payment device according to the embodiment of the present invention.

1: Mobile payment device

10: Central control unit

20: Identity authentication module

30: Input interface

40: Display module

50: Security Chip

60: Induction antenna

70: Power Management Module

71: First End

72: Second End

80: rechargeable battery

90: Quadrilateral shell

Claims (11)

A method for operating a mobile payment device, the steps of which include: Confirm a payment card information after an identity verification is completed; and Before executing the payment action, a security chip is activated by receiving a consistent signal, so that the security chip provides the payment card information for transaction. The operation method as described in claim 1, the operation method further comprises: sensing an identity information; and Create an identity authentication information based on the identity information. The operation method as described in claim 1, the operation method further comprises: By connecting with a charging device as a trigger condition, and after an identity authentication is completed, a wireless communication mode is executed to receive at least one card information used as the payment card information. According to the operation method of claim 1, the mobile payment device includes a length, a width and a height, the length can range from 85.1mm to 86.1mm, the width can range from 53.48mm to 54.48mm, and the height The range can be 0.75mm~1.5mm. A mobile payment device, comprising: a central control unit; an identity authentication module electrically connected to the central control unit for receiving an identity information of a holder for identity authentication; an input interface electrically connected to the central control unit for generating an input signal; a display module electrically connected to the central control unit for displaying at least one card information; a security chip electrically connected to the central control unit for providing a payment card information; an inductive antenna electrically connected to the security chip for receiving and transmitting the payment card information; and a quadrilateral housing for accommodating the central control unit, the identity authentication module, the input interface, the display module, the security chip and the sensing antenna; The central control unit is used to select one of the at least one card information displayed by the display module as the payment card information according to the input signal, and activate the payment card according to the received consistent signal before executing the payment action. a security chip, so that the security chip provides the payment card information to the induction antenna. The mobile payment device of claim 5, wherein the at least one card information is a code generated by a credit card digitization mechanism provided by a credit card issuer. The mobile payment device according to claim 5, wherein the quadrilateral housing includes a length, a width and a height, the length can range from 85.1mm to 86.1mm, the width can range from 53.48mm to 54.48mm, and the The height can range from 0.75mm to 1.5mm. The mobile payment device according to claim 5, wherein the mobile payment device further comprises a power management module and a rechargeable battery, the power management module and the central control unit, the identity authentication module, the input interface, The display module, the safety chip, and the rechargeable battery are electrically connected. The mobile payment device according to claim 8, wherein the power management module includes a ground charging end and a power charging end, and the power charging end is adjacent to the edge of the quadrilateral shell, and the ground charging end is opposite to the The power charging end is far away from the edge of the quadrilateral shell. The mobile payment device according to claim 5, wherein the mobile payment device further comprises a contact-type smart card chip module. The mobile payment device according to claim 5, wherein the identity authentication module is a fingerprint recognition module.

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