TWI647633B - Method for inductive financial card payment by using mobile device - Google Patents

Abstract

The invention provides a method for inductive financial card payment by using a mobile device, installing an application in a mobile device, and using a proximity financial card to perform transaction payment in a network special store, via a short-distance high-frequency wireless communication technology Carrying out non-contact point-to-point data transmission between the inductive financial card and the mobile device, transmitting the card data of the inductive financial card to the mobile device application, and transmitting the transaction data including the card data and a transaction verification code by the application To the acquiring institution of the special store, the acquiring institution transmits the transaction data and the transaction verification code to the issuing bank of the financial card through an intermediary institution; and the issuing bank verifies the transaction data and the transaction verification code, and confirms the transaction data. And the transaction verification code is correct, and then the transaction result message is sent to the acquirer through the intermediary agency. After receiving the transaction result message, the acquirer forwards the transaction result message to the special store, and allocates the successful transaction information according to one of the debits. Special store. Therefore, the present invention can omit the card reader or the card swipe machine, and perform non-contact point-to-point transfer data transmission through the financial card and the card holder's own mobile device, which is embodied by the mobile device using the inductive function of the financial card. Remote cash debit and other gold flow services.

Description

Method for inductive financial card payment by using mobile device

The present invention relates to a mobile payment technology, and more particularly to a method for performing inductive financial card payment using a mobile device.

With the progress of society, people's trading behavior has also evolved. Nowadays, most people go out with only a small amount of cash to prepare for the unexpected, and the rest are replaced by payment cards such as financial cards, credit cards, and leisure cards, so that they are not only carried on the body. The weight can be reduced, and the robbed of the financial card and credit card can be immediately called to the issuing bank to report the loss, to avoid the loss of money, and to let the police grasp the whereabouts of the prisoner, which is the advantage of the electronic age.

As the network becomes more and more developed, the transaction behavior is extended from the physical store to the online special store. The seller can have the online store without spending a large rent, saving the cost of the store, and the number of goods is large, and the store is difficult to lay. For special stores that need to rent large storefronts, online special stores are a big boon. On the other hand, for consumers, they can also shop at home, which is quite convenient, and with the evolution of encryption algorithms, Inductive financial card users do not need to carry cash out of the door, swipe the card to debit the bank account, and will not generate liabilities like a credit card, but the account balance can be used to pay, but in the network special store At the time of the transaction, the consumer must bring his own card reader to perform card-based transactions.

Therefore, the present invention proposes a method for performing inductive financial card payment by using a mobile device, which effectively solves the above problems, and the specific architecture and its implementation manner will be described in detail below:

The main object of the present invention is to provide a method for performing inductive financial card payment by using a mobile device, which can be used for consumption at a network specific store by using a mobile device, and is free from hardware devices such as a card reader and a card reader. Cost, while eliminating the need to upgrade these hardware devices.

Another object of the present invention is to provide a method for inductive financial card payment by using a mobile device, in which information between all the acquiring institutions and financial institutions such as the issuing bank is transmitted through the intermediary, and the intermediary is integrated by the intermediary. Financial institutions can achieve the characteristics of inter-bank business and ensure the timeliness, integrity and security of data transmission.

Still another object of the present invention is to provide a method for inductive financial card payment using a mobile device, wherein a cardholder can use an in-person mobile device to download an application, and can receive inductive finance at an online contract store of an acquirer. Card payment.

To achieve the above object, the present invention provides a method for performing inductive financial card payment by using a mobile device, comprising the steps of: installing an application in a mobile device, accepting an inductive financial card for payment in a special store, and the mobile device Firstly, the inductive financial card card data is sensed, and the application then transmits the card and the transaction data and a transaction verification code to the special store, and the special store then transfers the information to the acquiring institution; the acquiring institution will exchange the transaction information and the transaction. The verification code is transmitted to the inductive financial card issuing bank via an intermediary; the issuing bank verifies the transaction data and the transaction verification code, confirms that the transaction data and the transaction verification code are correct, and then transmits a transaction result message to the acquiring institution through the intermediary agency. After receiving the transaction result message, the acquiring institution forwards the transaction result message to the special store, and allocates the successful transaction information to the special store according to one of the debits.

After the application is executed, the mobile device can use the short-range high-frequency wireless communication technology to receive the inductive financial card for inductive payment transactions.

Transaction data includes special store code, order number, commodity amount, card number of inductive financial card, etc. The application is a real-name login application.

The transaction verification code is generated by encoding the card number, bank code and transaction type of the inductive financial card with dynamic password technology. When the card issuing bank receives the transaction data and the transaction verification code, the transaction verification code is decoded and then confirmed. Is the card number of the inductive financial card correct and the balance in the bank account of the inductive financial card is sufficient.

Among them, the information of the gold flow performed by the mobile device inductive reading is verified by the issuing bank itself.

The short-range high-frequency wireless communication technology used in mobile devices is Near Field Communication (NFC).

The acquirer provides a tradable special store website for mobile devices or a computer to browse, and allows the mobile device to sense the inductive financial card for payment of the far-end payment transaction in the special store website when the payment is made.

The mobile device is a smart phone, tablet or smart watch.

The invention provides a method for inductive financial card payment by using a mobile device, and performs non-contact point-to-point data transmission between a card and an electronic device through a short-distance high-frequency wireless communication technology, which is embodied by using a physical payment tool such as a chip financial card. Inductive function, real-time debit and other gold flow services in mobile devices. For cardholders and special store ends, the cost of purchasing a card reader or card reader and its software version upgrade can be eliminated.

Please refer to FIG. 1 , which is a block diagram of an embodiment of a method for performing inductive financial card payment by using a mobile device. The embodiment includes at least one mobile device 10 , a special store 12 , and an acquirer 14 . The intermediary device 16, the issuing bank 18 and the inductive financial card 20, the mobile device 10 is a smart phone, a tablet or a smart watch, wherein an application 102 is installed, and the application 102 is a real name login application, The acquirer 14, the intermediary 16 or the issuing bank 18 provides a download and installation. When the application 102 is installed, the application 102 is opened and the mobile device 10 can download the application. The application 102 is connected to the special store 12 to perform registration and related services, transaction items, types, quantities, and amounts of money. In addition, the mobile device 10 has a short-range high-frequency wireless communication technology, and can sense the inductive financial card 20 .

Please refer to FIG. 2, which is a flowchart of an embodiment of a method for performing inductive financial card payment by using a mobile device. First, in step S10, an application 102 is installed in the mobile device 10; when the user utilizes the entity When the inductive financial card 20 is settled, the mobile device 10 launches the application 102, and the application 102 receives the inductive financial card 20 for inductive transaction payment at the special store 12, and the mobile device 10 senses by using short-range high-frequency wireless communication technology. Reading the card data of the inductive financial card 20, then in step S12, the application 102 transmits the card data, the transaction data and a transaction verification code to the special store; the special store 12 then verifies the transaction data and the transaction of the transaction. The code is transmitted to the acquiring institution 14. In step S14, the transaction data includes the special store code, the order number, the commodity amount, the financial card number, and the like; then, in steps S16 to S18, the acquiring institution 14 transmits the transaction data and the transaction verification code to the agency. Institutional transmission 16, the agency 16 then transmits the transaction data and transaction verification code to the issuing bank of the inductive financial card 18; In S20, the issuing bank 18 verifies the transaction data and the transaction verification code, confirms the transaction data and the transaction verification code, and transmits the transaction result to the acquiring institution 14 through the intermediary institution 16, as in step S22, and finally in step S24, The acquirer 14 forwards the transaction result to the special store 12, and the acquirer then pays the purchase amount to the special store 12 according to the successful purchase amount.

The agency 14 is a co-construction platform that integrates financial institutions such as multiple acquirers and card-issuing banks to provide secure information transmission (including the transaction result message sent by the issuing bank and the transaction result message sent to the acquirer) and is responsible for Clearing and settlement of transactions can achieve the characteristics of inter-bank business and ensure the timeliness, integrity and security of data transmission.

FIG. 3 is a flow chart of another embodiment of a method for performing inductive financial card payment by using a mobile device according to the present invention. The difference from FIG. 2 is that the encoding and decoding portions are more, please refer to FIG. 1 and FIG. 3 pictures. In step S30, an application is installed in the mobile device 10; when the user uses the inductive financial card 20 to settle the bill, the inductive financial card 20 is used to make a transaction payment at the special store 12, and the portion is in action as described in step S32. The application device 102 is activated on the device 10, and the card data of the inductive financial card 20 is transmitted to the application 102 by using a high frequency wireless communication technology; then, in step S34, the application 102 transmits the card number and the bank code and the transaction in the card data. The type and the like are encoded into a transaction verification code, and the transaction verification code is transmitted to the special store 12 together with the transaction data including the card data; the special store 12 transmits the transaction information and the transaction verification code of the transaction to the acquirer 14 In step S36, following steps S38 to S40, the acquiring institution 14 transmits the transaction data and the transaction verification code to the intermediary agency 16, and the intermediary agency 16 transmits the transaction data and the transaction verification code to the card issuing bank of the inductive financial card. In step S42, when the card issuing bank 18 receives the transaction data and the transaction verification code, it first decodes the transaction verification code and obtains the transaction verification code. The card number of the inductive financial card, the bank code, the transaction type and the like, and then verify the transaction data and the transaction verification code in step S44, confirming that the transaction data and the transaction verification code are correct, then the issuing bank 18 sends a transaction as in step 46. The result message is transmitted to the acquirer 14 through the intermediary institution 16. Finally, in step S48, the acquirer 14 receives the transaction result message and forwards it to the special store 12, and the post acquirer 14 according to the transaction result message The debited successful transaction information pays the amount of the purchase to the special store 12.

In the present invention, the acquirer 14 is configured to provide an admissible transaction 12 as a network-specific store. The user can browse the special store 12 on the mobile device 10 or a computer (not shown). When the website of the special store is checked out, the application 102 is selected, and the application 102 in the mobile device 10 is activated, and the card data of the inductive financial card 20 is read by the application 102, so that the website of the special store 12 can be far away. In the end payment transaction, the application 102 transmits the transaction data and the transaction verification code to the special store 12 via the network, and the special store 12 transfers the transaction data and the transaction verification code to the affiliated acquiring institution. As shown in FIG. 4, the mobile device 10 has a short-range wireless module 104. When the special store 12 checks out, the short-range wireless module can be used to sense the inductive financial card 20. For example, the special store 12 is held by The card person inductively reads the inductive financial card by the short-range wireless module 104 of the mobile device 10, and replaces the card reader or card reader of the special store 12 with the application 102 in the mobile device 10. The short-range wireless module 104 uses Near Field Communication (NFC) or other short-range communication technologies, such as radio frequency identification tags, Wi-Fi, and the like.

In summary, the method for performing inductive financial card payment by using the mobile device provided by the present invention is that the user can use the mobile device to perform remote action payment at the network special store at any time, thereby eliminating the installation of the card reader and the card reading. The cost of hardware devices such as machines, and the need to upgrade software versions of such hardware devices. In addition, an intermediary agency is used to provide a co-construction platform for integrating multiple financial institutions, so that the cash flow of different acquirers and card-issuing banks can be used for clearing and settlement of transactions through the intermediary agencies, improving the timeliness and integrity of data transmission. And the safety of the gold flow control tube.

The above is only the preferred embodiment of the present invention and is not intended to limit the scope of the present invention. Therefore, any changes or modifications of the features and spirits of the present invention should be included in the scope of the present invention.

10‧‧‧Mobile devices

102‧‧‧Application

104‧‧‧Short-range wireless module

12‧‧‧Special store

122‧‧‧Induction device

14‧‧ ‧ acquiring institution

16‧‧‧Intermediary agencies

18‧‧‧ Issuing Bank

20‧‧‧Inductive Financial Card

1 is a block diagram of an embodiment of a method for inductive financial card payment using a mobile device of the present invention. 2 is a flow chart of an embodiment of a method for performing inductive financial card payment by using a mobile device. 3 is a flow chart of another embodiment of a method for inductive financial card payment using a mobile device according to the present invention. FIG. 4 is a schematic diagram of an embodiment of a near-end payment transaction in a method for inductive financial card payment using a mobile device according to the present invention.

Claims (7)

A method for performing inductive financial card payment by using a mobile device, comprising the steps of: installing an application in a mobile device; using an inductive financial card to provide payment including near-end transaction payment and far-end transaction, in a special store When the transaction payment is made, the application is launched, and the mobile device uses a short-distance high-frequency wireless communication technology to sense the card data of the inductive financial card, and the application will include the card data, transaction data and transaction verification. The code is transmitted to the special store, and the special store is transferred to one of the acquiring institutions; the acquiring institution transmits the transaction data and the transaction verification code to the issuing bank of the inductive financial card via an intermediary; And the card issuing bank verifies the transaction data and the transaction verification code, confirms that the transaction data and the transaction verification code are correct, and then transmits a transaction result message to the acquiring institution through the intermediary institution, and then the acquiring institution Transmitting the transaction result message to the special store and successfully debiting according to one of the transaction result messages The information is allocated to the special store, wherein the transaction verification code is generated by encoding the card number and the bank code, the transaction type, and the like of the inductive financial card by dynamic password technology, and the card issuing bank receives the transaction data and the transaction. After the verification code, the transaction verification code is decoded to confirm whether the card number of the inductive financial card is correct and whether the balance in the bank account of the inductive financial card is sufficient. The method for inductive financial card payment by using a mobile device according to claim 1, wherein the transaction data includes a special store code, an order number, a commodity amount, a card number of the inductive financial card, and the like. The method for inductive financial card payment using a mobile device as claimed in claim 1, wherein the application is a real name login application. The method for inductive financial card payment by the mobile device according to claim 1, wherein the card issuing bank confirms the gold flow information of the inductive financial card. The method of claim 1, wherein the short-range high-frequency wireless communication technology is Near Field Communication (NFC). A method for inductive financial card payment using a mobile device as claimed in claim 1, wherein the acquiring institution provides a website of the special store tradable for the mobile device or a computer to browse, and the action is made when the payment is settled The device senses the inductive financial card to perform a payment transaction in the website of the special store. The method of claim 1, wherein the mobile device is a smart phone, a tablet or a smart watch.