CN105051768A - Mobile checkout systems and methods - Google Patents

Mobile checkout systems and methods Download PDF

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Publication number
CN105051768A
CN105051768A CN201580000172.1A CN201580000172A CN105051768A CN 105051768 A CN105051768 A CN 105051768A CN 201580000172 A CN201580000172 A CN 201580000172A CN 105051768 A CN105051768 A CN 105051768A
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CN
China
Prior art keywords
checkout
application
transaction
server
card
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201580000172.1A
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Chinese (zh)
Inventor
威廉姆·W·格雷林
李曼湖
唐吉米台湾
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Samsung Electronics Co Ltd
Original Assignee
Samsung Pay Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from US14/185,111 external-priority patent/US9123036B2/en
Application filed by Samsung Pay Inc filed Critical Samsung Pay Inc
Publication of CN105051768A publication Critical patent/CN105051768A/en
Pending legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W88/00—Devices specially adapted for wireless communication networks, e.g. terminals, base stations or access point devices
    • H04W88/02—Terminal devices
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/50—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using hash chains, e.g. blockchains or hash trees

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Signal Processing (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Telephonic Communication Services (AREA)

Abstract

A mobile checkout system and method for completing a purchase transaction to purchase items from an internet merchant. A user browses and selects items for purchase from the merchant through a shopping application or browser. During the processing of the transaction, a checkout application installed on a mobile communication device is launched. The checkout application receives a checkout token created by a checkout server that identifies the purchase transaction. The checkout application uses this token and communicates with the checkout server to cause the checkout server to complete the purchase transaction. When the transaction is complete, the shopping application or browser is relaunched and a results page is displayed.

Description

Mobile checkout system and method
Technical field
The present invention relates to a kind of system and method for implementing mobile purse application and check-out flow.
Background technology
Mainly through completing the transmission of magnetic stripe data at the upper brush magnetic stripe card of magnetic strip reader (MSR), can carry out paying, identifying (ID) and access control function.Mobile purse application on smart mobile phone and panel computer is difficult to make existing commercial distribution point (POS) device or other devices and MSR mutual.The POS terminal (such as, usually using ISO14443 standard) that non-contact reader is enabled generally does not accept contactless or near-field communication (NFC) payment.This will be very expensive, and will the time be needed to replace millions of business POS devices or only accept the door lock of magnetic stripe card, only for mutual with other transmission equipments of NFC mobile phone or picture bar code.
In many countries, compared with the magnetic stripe card quantity of issuing to client, the contactless payment quantity of issuing is still very little.NFC chip with contactless communication ability has been embedded in some mobile phones, and is used, as the digital wallet for storage security cardholder information by the company that such as Google and Yi Xisi (ISIS) are such.These digital wallets based on NFC chip can hold use in the contactless payment transaction of POS device at the NFC with limited quantity, but have significant limitation based on these digital wallets of NFC chip.
Most mobile phone does not have embedded NFC chip, seriously limits the infiltration of solution to masses of this mobile wallet.In addition, for being complicated in the internal memory of the evidence for payment to NFC chip that load holder and costliness.Particularly, the internal memory loading NFC chip needs believable security manager (TSM).Payment Card publisher must be also this service defrayment for this TSM service registry.
Loading procedure is successfully worked and there is the complicacy of various technology, particularly when the some parts of loading procedure via the network of mobile operator to phone, to chip, losing efficacy in the middle of the chain of internet from publisher to TSM.In addition, not all standard is formulated, and there is more difficult ubiquitous multiple competition side.
In ecommerce, usually there are two kinds of common methods for carrying out online shopping check-out process.In first method, customer selecting checkout button, selects a kind of method of payment, and complete check-out process in businessman's online shopping site.The server communication of business server and payment services provider is to perform settlement dealing.The method allows client to rest in same merchant web site; But, between business server and payment services provider carry out and integration process complicated and expensive.In addition, client may be unwilling to enter the sensitive information on strange webpage or website.
In the second approach, the browser of client is redirected to the checkout webpage of being served by payment services provider temporarily, as PayPal tMcheck-out flow.Client completes this transaction in the webpage of being served by payment services provider.After a transaction, browser is redirected to and gets back to initial online shopping site.The method is more easily developed and is integrated for businessman.For client, the identification of payment services provider provides the better sense of security and trust.When client has previously experienced similar payment flow, this can also make this process more smooth and easy.
Summary of the invention
The present invention relates to and comprise the magnetic stripe that a kind of and mobile purse application is combined and catch, store and device, the system and method for transmitting device, with in physics and virtual environment, catch, store and transmit magnetic stripe card data to traditional point of sale (POS) terminal of businessman and other devices with magnetic strip reader (MSR) or checkout system.The invention still further relates to mobile checkout system and method.This system is the purchase experience that client provides convenience, and is that businessman provides safety and abundant transaction, and in some cases for the object of loyal, identity (ID) or access control, provides the excessive data being transferred to MSR.
In one aspect, a kind ofly comprise mobile communications device and Mobile solution for the system of catching safely, storing and transmitting magnetic stripe payment card data, and magnetic stripe forwarder (MST) softdog.Described MST softdog or MST comprise microprocessor, comprise the magnetic field transmitter that can produce different magnetic field of driver and inductor, battery, charging circuit, magnetic strip reader (MSR), memory device or safety element, audio jack interface, and communication interface (such as, USB interface, 30 pins or 9 pin apple interfaces, blue tooth interface etc.), described communication interface and client mobile device and purse application co-operation, for catching magnetic stripe card data in physics and virtual environment, store data safely, and transmit these data to merchant point of sale (POS) or checkout system.
Aspect of the present invention can comprise one or more feature.Described mobile communications device can comprise Mobile solution, MST described in described Mobile solution initialization, for using together with specific wallet account and unlocking described MST for transmitting and using.Described mobile communications device can with the payment on described mobile communications device or network settle accounts apply together with use, described payment checkout application, to be settled accounts application as business POS application or client for the treatment of transaction alternately to accept Payment Card data from described MST and described Payment Card data are transferred to paying server with described MST.Described mobile purse application can be mutual in various operator scheme via described audio jack or other communication interfaces with described MST, comprise such as initialization and replacement pattern, load card removal mode card, transmission and using forestland, the transmission mode of disconnection and POS card read mode.
In one aspect, the described MST operated in described initialization and replacement pattern is configured to make user match by mobile wallet account and not match/reset a specific MST, and each account only allows a device.The described MST operated in described loading card removal mode card be configured to make user by brush on the MSR of airborne MST the existing plastics magnetic stripe card of user to load magnetic stripe card data and in memory device or safety element storage card tracking data.For Payment Card, primary account number (PAN) data of described card are loaded into online stored value card via described mobile purse application by described application.Card information also can be deleted from described memory device with using the server of described application.When activate or pressing button time, the described MST operated in described transmission and using forestland is configured to allow user to select specific payment card as being stored the top of the wallet that uses in tracking data to the transmission of business POS system or acquiescence card.On the other hand, if non-pay card is stored in described MST, a kind of non-pay card can be stored as acquiescence card and transmit, and not to described purse application certification and this card of selection.Non-pay card comprises hotel's key, the door pass, or can be loaded into described MST for the ID that transmits subsequently and loyalty card in independent memory device.
The described MST operated in described POS card read mode is configured to allow user with the MSR brush Payment Card of described MST and described card data is transferred to the POS application on described mobile communications device, then arrives described paying server and processor.Described mobile communications device can be smart mobile phone, panel computer or PC.Described MST comprises battery and charging circuit further.Described microprocessor is configured to security and provides described mobile communications device with communicating.Described memory device stores Payment Card data safely.Described MST is configured to the businessman's checkout application be transferred to by card tracking data on described mobile communications device, to produce the card-existence transaction of businessman.Described MST also can be configured to read Payment Card and Payment Card data be transferred to described mobile communications device and relevant POS apply, and described POS applies and then transmits described transaction and the card data processor to paying server and similar POS successively.
On the other hand, feature of the present invention is a kind of method for catching, storing and transmit magnetic stripe card data safely.A kind of magnetic stripe forwarder (MST) softdog comprises microprocessor, be configured to the driver of generation different magnetic field electric current and signal being sent to inductor, battery, charging circuit, magnetic stripe card reader, memory device or safety element, audio jack interface, and communication interface (such as, USB interface, 30 pins or 9 pin apple interfaces and blue tooth interface etc.), described communication interface and client mobile device and purse application co-operation, for catching magnetic stripe card data in physics and virtual environment, store data safely, and these data are transferred to merchant point of sale (POS), checkout system or other MSR devices.
System and method provided in this article provides many advantages, such as, described magnetic card tracking data directly by user or be captured from server and be stored in the secure memory equipment of described MST, and can not change magnetic stripe data, uses subsequently together with MSR device.For Payment Card, do not need to the change of magnetic stripe data with there is the contactless of particular field or NFC tracking data is relative, described field must by card publisher coding normally to run together with contactless POS.Described MST can comprise button, and when described MST is from described mobile device disconnection or when being separated, described button allows data on magnetic card to be transferred to POS.
In one aspect, MST can provide better security to the unique pairwise of a specific wallet account, and the ability resetting MST allows the non-matching of MST and reuses.In addition, system and a method according to the invention provides the ability being connected to mobile communications device via the distinct interface outside audio jack and USB.Equally, the magnetic stripe tracking data of encryption being loaded into process in the memory device of described MST subsequently can be decrypted and be transferred to the described MSR of described POS, or encrypted to described mobile communications device for the data be transmitted, be then sent to described paying server for deciphering and processing for loading wallet account or process POS transaction on the server.
System and a method according to the invention provides and uses for the tracking data be stored of virtual checkout environment or by the tracking data brushed, for the transaction cost that businessman is safer and lower, and tracking data is from the remote loading of card publisher to wallet server provider to the purse application on described mobile communications device, to the memory device of described SE or described MST to use subsequently.Further, described system and method provides by loyalty account information together with the ability of described Payment Card Data import to the arbitrary fields of tracking data read when concluding the business by publisher, and it can cause the bid of combining with payment transaction and loyalty program.
Being used in combination in the seamless user experience of client of all above-mentioned technology can increase and use the frequency of mobile wallet and allow a group to apply and function, as bid and the loyalty of client, makes it have more cogency and transmit to client and businessman to be worth.
On the other hand, described magnetic stripe card data can be transferred to the checkout application of described mobile communications device and use in mobile checkout system.Disclose the leakage code check the mobile checkout system of raising sale conversion ratio and method assisting to reduce shopping cart.It should be understood, however, that and can use or not use described MST to implement mobile checkout system disclosed herein and method.
Usually, described mobile checkout system and method comprise a kind of mobile communications device, described mobile communications device has the businessman be installed on described mobile communications device and applies and/or browser application, and the application of described businessman and/or browser application allow user to select the product will bought from merchant web site.Checkout application is also installed on described mobile communications device, and itself and the one or more network service of service are settled accounts the checkout server communication of application programming interface (API).The product will bought as selected as user also, when selecting checkout, can start described checkout and should be used in response to receiving the information corresponding to purchase transaction.Described account closing procedure and described checkout server communication, to cause described checkout server to complete described purchase-transaction by communicating with described process payment.When described transaction completes, restart described business application or browser application for browse and selects purchase article.
In other respects, start checkout application, to receive from checkout server the information corresponding to purchase-transaction in response to by propelling movement type notice, Email or Short Message Service.Also described checkout application can be started, to correspond to the information of described purchase-transaction in response to receiving from the rapid reaction be presented on described mobile communications device (QR) code.
Accompanying drawing explanation
Be intended to be exemplary and not restrictive in accompanying drawing the embodiment describing device, system and method, Reference numeral identical is in the figure used in reference to identical or corresponding parts, and wherein:
Fig. 1 is the Function Block Diagram of the general introduction of magnetic stripe forwarder (MST) and mobile communications device and merchant point of sale (POS) device;
Fig. 2 is the process flow diagram of the method operated in initial and replacement pattern;
Fig. 3 is at the process flow diagram loading the method operated in card removal mode card;
Fig. 4 is the process flow diagram of the method operated in transmission and using forestland;
Fig. 5 is the process flow diagram of the method operated in the transmission mode disconnected;
Fig. 6 is the process flow diagram of the method operated in POS card read mode;
Fig. 7 is a kind of FBD (function block diagram) of general introduction of the system for implementing mobile check-out flow;
Fig. 8 is the FBD (function block diagram) of the parts of mobile communications device;
Fig. 9 is a kind of process flow diagram using online shopping site and mobile shopping application implementation to move the method for check-out process;
Figure 10 is a kind of process flow diagram using online shopping site and browser application to implement the method for mobile check-out process; And
Figure 11 be a kind of by use sending out notice, Short Message Service (SMS) or fast response (QR) code start checkout and should be used for the process flow diagram of the method implementing mobile check-out process.
Embodiment
Disclosed herein is the specific embodiment of device, system and method, it is, however, to be understood that the disclosed embodiments are only exemplary device, system and methods, it can be implemented in a variety of manners.Therefore, specific function details disclosed herein is not interpreted as restrictive, but only as the basis of claim, and of the present inventionly represents basis as instructing those skilled in the art differently to adopt.
Usually, device disclosed herein, system and method can comprise many different devices and computer system, and can implement in many different devices and computer system, comprise such as general-purpose computing system, server-client computing system, customer-merchant computing system, host computing system, cloud computing foundation structure, phone computing system, notebook computer, desktop computer, smart mobile phone, mobile phone, personal digital assistant (PDA), panel computer and other mobile devices.Described device and computer system can have one or more database and other memory devices, server and additional components, such as processor, modulator-demodular unit, terminal and display, computer-readable medium, algorithm, module and application, and other computer associated components.Described device and computer system and/or computing infrastructure are configured, programme and be applicable to implement function and the flow process of system and method disclosed herein.
With reference to figure 1 describe a kind of according to described embodiment for catching, storing and magnetic stripe card data be transferred to the general introduction of the system 10 of the traditional point of sale (POS) of businessman.System 10 comprises a magnetic stripe forwarder (MST) 100 being suitable for engaging with mobile communications device 200.MST100 and mobile communications device 200 are by the audio jack 102 and 202 of correspondence, and/or by corresponding communication interface, such as USB port 104 and 204 accordingly, or by including but not limited to 30 pins or 9 pin apple interfaces, blue tooth interface communicates with other communication interfaces of other serial line interfaces.Also mutual with businessman POS300 to the magnetic strip reader (MSR) 302, MST100 of businessman POS300 by being suitable for transmitting magnetic stripe data from the magnetic field sensor 150 comprising driver and inductor.
Mobile communications device 200 comprises mobile purse application 220 and POS application or payment checkout application 230.The initialization of mobile purse application 220 also unlocks MST100.POS or checkout application 230 are mutual and accept card payment data from MST100 with MST100.POS or checkout application 230 can cause card payment data to be transferred to wallet server 260 via network 170.Then card payment data can be transferred to transaction processor 270 from wallet server 260.
MST100 comprises microprocessor 112, light emitting diode (LED) indicator 114, battery 116, charging circuit 118, magnetic strip reader (MSR) 106, memory parts or safety element 108, audio jack interface 102 (such as, the audio port of 3.5 millimeters or other standards), USB port/Jack Interface 104 or include but not limited to 30 pins or 9 pin apple interfaces, other communication interfaces of blue tooth interface and other serial line interfaces, and magnetic field transmission machine 150, this magnetic field transmission machine comprises driver and the inductor for transmitting the magnetic-pulse received by the arbitrary POS device with MSR.
Microprocessor 112 processes security and communicates with mobile communications device 200.Microprocessor 112 also can receive encrypted card data from safety element 108 and encrypted card data are transferred to safety element 108.Magnetic field transmission machine 150 transmits the magnetic stripe data of holder to POS device 300 by transmission magnetic-pulse to MSR302.MST100 also can be used for reading other magnetic stripe cards as POS device by using MSR106.MSR106 can be used for loading Payment Card data to safety element 108 and for catching the card tracking data for the POS on mobile communications device 200 or checkout application 230.
Mobile communications device 200 comprises mobile purse application 220, POS or pays checkout application 230, audio jack port 202 and/or communication interface, such as USB port 204 or include but not limited to other communication interfaces of 30 pins or 9 pin apple interfaces, blue tooth interface and other serial line interfaces.Mobile communications device 200 also can comprise a kind of display with keypad or contact panel display 240 and CPU (central processing unit) (CPU) 250.
Each MST100 initial opening, to match with wallet account.Once MST100 is paired, then MST100 can be locked and need to be unlocked to change the pattern on MST100 and parameter.By original upload in the mill, through being loaded by cordless communication network after arranging wallet account, and/or use mobile purse application directly to load his/her by client snap in MST100, MST100 can store cardholder data.Usually, cafe user is a people having arranged stored value card account, and such as, via cloud computing foundation structure on the remote server, and purse application is moved in initialization one on his/her mobile communications device.
Mobile purse application 220 on mobile communications device 200 is mutual with MST100, to provide different operator schemes, such as, comprise: initialization and the pattern of replacement, load card removal mode card, transmission and using forestland, the transmission mode of disconnection, POS card read mode and other patterns alternatively.
A kind of method operated in initialization and replacement pattern according to illustrative embodiment is described with reference to figure 2.By inserting or connecting " newly " MST, or be not previously used before or by " replacement " and the MST that in storing, not there is relevant wallet and not there are card data to this mobile communications device, a kind of MST is initialized to wallet account first, as shown in block 400.After MST is connected to mobile communications device, this purse application identification or determine MST state for pairing with do not match, as indicated at block 402.
When MST softdog has been paired to another wallet account, identification MST is unpaired but has been paired to another wallet account by this purse application, as provided in block 404, and shows " cannot use softdog, match with another account ", as shown at block 406.This purse application also can be reported and undelegatedly be paired to server, as shown in block 408, uses MST for fraud management undeservedly to prevent cafe user.
When MST softdog has been paired to suitable wallet account, this purse application identification MST has been what match, as shown in block 410.MST can be used or be reset, as depicted at block 412.If this suitable wallet account user is wished to reset this MST and wiped all data in clean SE, then this user can access the setting unit of purse application and select " replacement softdog ", as indicated at block 414.If this suitable wallet account user does not wish to reset MST, then MST can be used and this process completes, as depicted at block 416.In one aspect, any user can be allowed to reset MST softdog from the purse application of each Self-certified of user.Once a unit is reset, needs are initialised or again match with wallet account by it, even if same subscriber has reset this device, it is by as the clean device being loaded with neocaine.
Such as, when MST softdog is not also paired and there is not the wallet account being paired to MST, after MST is connected to mobile communications device, with the smart mobile phone of purse application on it, purse application identification MST is unpaired, as indicated at block 418.Whether this purse application then MST faced by meeting should be paired to the judgement of wallet account, as indicated in clock 420.If this suitable wallet account user does not wish to match this MST, then this process completes, as depicted at block 416.
Or if this suitable purse account user wishes to match this MST, then process of matching starts.This pairing process can comprise the sequence number of catching MST, and as indicated at block 422, this cafe user of certification again, as illustrated in block 424, and is associated with wallet account by MST, as shown at block 426.This pairing process also can comprise storage unpaired message, and such as, the sequence number of store M ST in wallet account, as shown at block 428, uses for each MST softdog with the following certification coupling opened by MST together with purse application.In this respect, MST only can be unlocked and use together with this suitable purse account future.
A kind of method operated in loading card removal mode card according to illustrative embodiment is described with reference to figure 3.MST is connected to mobile communications device, as indicated at block 430, and MST be considered to match, as shown in frame 432.Once MST with wallet account " pairing ", cafe user by swipe the card in the embedded magnetic strip reader (MSR) of MST and can use this purse application with load his/her card, as shown by block 434.The data obtained are digitized and encrypt, as shown in frame 436, and for using subsequently in the memory device be stored in MST or SE, as shown in frame 438.
Encrypted data also can be transferred to mobile communications device, as shown in frame 440.Mobile purse application can transfer data to wallet server, as shown in frame 442.These data can primary account number (PAN) data of and holder decrypted at wallet server, card number, the term of validity and title be removed from tracking data, as shown in frame 444.
Mobile purse application or wallet server also can make the judgement whether magnetic card is Payment Card or non-pay card, as shown in frame 445.If magnetic card is non-Payment Card, then tracking data automatically can be stored in internal memory and be used for non-pay transmission by this system, and allows user to name this card and in memory device, store this non-pay card, such as, on MST, as shown in frame 447.
If magnetic card is Payment Card, such as, there is the discernible specific format of system, this card can be detected as Payment Card and title on this system determination Payment Card whether with the name-matches of wallet account, as shown in frame 449.If title is not mated, error message may show " on card, title does not mate account ", as shown in frame 451.If the name-matches of the title on Payment Card and wallet account, then this system can determine whether PAN numeral mates with existing card the be stored on the server, to create New Account or to retain existing.If create neocaine, tracking data can be stored in the part payment of the secure memory of encrypted MST as described below by this system.
Also the judgement whether removed data mate with any previous storage card be stored in wallet account can be made, as shown in frame 446.When no match is found, then neocaine is created, as shown in frame 448 in the account of cafe user on the server.When creating neocaine, tracking data also can be stored in the part payment of the secure memory of MST, as shown in frame 438 by encrypted state by this system.When a match has been found, this card is identified as existing and this card and is loaded, as indicated in clock 450.
In one aspect, MST has the ability be loaded into by the magnetic stripe card of any type in memory device, and just Payment Card.Non-pay card can conveniently less store separately safely.Such as, the application of some non-pay can comprise open the door card, loyalty card etc.The loading of payment data vs non-pay data can be divided into two independent fields or storage area.In one example, Payment Card can not be loaded in non-pay storage.Such as, payment data can have the specific format that can be detected, and can not be allowed to be loaded in non-pay storage area.Payment Card also can need before being transmitted to this application authorization.On the other hand, the non-pay data of acquiescence can be transmitted, and without the need to certification.
In one aspect, another process loading MST by this mobile device and application, magnetic stripe data is dynamically sent to MST from server.This cover method can make magnetic stripe data be transferred to MST from server after the certification implementing cafe user, makes dynamic magnetic stripe data can be transferred to this mobile device and is stored and/or transmits.In one aspect, the tracking data produced by server can dynamically be loaded for paying object, makes for wallet account, can dynamically produce single use evidence for payment when paying.
On the other hand, hotel or gambling house room key can be transferred to purse application or the digital wallet of user, are then transferred to MST, make user just need not health check-up and waiting in line.Cafe user can via the application " registration " on the mobile device of user to hotel (alternatively, the position of this mobile device can with reservation matching addresses, to guarantee further security), this subscription server is sent to wallet server one " key " subsequently, then this key is transferred to purse application or digital wallet and is loaded on the memory device of MST, for non-pay object.User can press the transmission key on MST, and the magnetic stripe data that transmission is stored in MST is for non-pay object, and need not to purse application certification.From " key " in hotel or can be expired on server end after magnetic stripe data a period of time, therefore the method be comparatively safe, and it can be equal to the magnetic stripe hotel key forgotten and give back you.
In these areas, this system has and loads the ability of MST from Server remote, allows third party, such as, block publisher and dynamically send payment or non-pay card data to MST, for transmitting.The MST of correct pairing may need to be used, remotely to load.This system can control this magnetic stripe data and whether be stored as payment or non-pay card data, and therefore this system can be used in a different manner under Disconnected mode.The application of the method can comprise and sends dynamic Payment Card mark from server and use for one-time payment, and long-range registration hotel room, and does not go to foreground.
When new " key " or magnetic stripe card data are loaded into MST and are stored in the non-pay card container of the acquiescence of this memory device, so it can use under " Disconnected mode " of following detailed description.When being selected Payment Card by purse application, can be enabled this and specifically block a period of time, such as, 5 minutes, and during this period of time, non-pay acquiescence card will not transmit by MST.In order to distinguish payment and non-pay card, when this application detects Payment Card, Payment Card can have specific format and discernible bank identification number (BIN).If name-matches, BIN can be checked the title of account and can be stored for user.
In some aspects, tracking data is not stored on the server, and only PAN data are stored.Multiple card can be loaded into for selecting subsequently or using in storage facilities or SE, and can be divided into payment and non-pay card.In one aspect, Payment Card only can be transferred to purse application after certification and this transmits rear life period restriction under being stuck in Disconnected mode in selection, but not Payment Card can be selected as the acquiescence card transmitted under Disconnected mode, conveniently and not to purse application certification.
In one aspect, from physical payment by the title on the tracking data of card brushed should with the name-matches of wallet account, to make the storage of card be successful for MST and server end, otherwise this application may not complete the loading procedure of this card and show error message " mistake: on card, title is not mated with account " to user.Once tracking data is stored in SE, then user can check the card be stored in this purse application, and select wallet card top as paying the acquiescence card with non-pay transmission.Also may there is the method passed through and be stored in card in cloud computing structure, the method is not stored in MST exists for card and pays.But each card being stored in MST should have the copy of equal value of the PAN data only in cloud computing foundation structure, and these cards may need to be deleted individually from cloud computing foundation structure via this application or Web/ internet.Reset MST and do not wipe the card data in cloud computing foundation structure.The copy card with identical PAN data can not be shown as different cards, in other words, if user inputs a card number at cloud computing foundation structure medium-long range in his/her wallet account, and he/her brushes identical card and utilizes for physics to be loaded in MST subsequently, if then PAN data are identical, the card in cloud computing foundation structure is by maintenance and do not need to be replicated.
Once card is loaded on MST, then they can be selected by purse application.Selected card also can be deleted from the internal memory of MST and from this application.
In addition other in, the safe storage equipment that this wallet account can make encrypted tracking data directly be loaded into MST from wallet server or SE, make publisher can be chosen as cafe user and create card account, then via from this wallet server to mobile communications device and to MST communication purse application and load top as wallet card of SE with tracking data.To be a kind of remote loading tracking data accept use to the MST of cafe user for physics for this.Such as, card publisher can be the Payment Card provider of such as credit card provider or bank, or such as issues the non-pay card provider of hotel's badge, gate inhibition or loyalty card.Payment Card can be standard payment card or it can be disposable Payment Card, make card number be the mark quoting actual delivery card account on the server of publisher.Even if this mark is impaired or be replicated, because this number can only use once, this can provide larger security.
Once magnetic card tracking data is loaded on MST, then this purse application also can be configured to use the camera of mobile device to catch the image of the front and/or rear of this card, and allow user in his/her MST selection card for transmission.Purse application can also be used to delete the card selected in this application, and wipe from storage facilities.This purse application also can be used for catching the I.D. of cafe user to illustrate businessman's form of the touch recognition with button in purse application.
A kind of method operated in transmission and using forestland according to illustrative embodiment is described with reference to figure 4.With the transaction of POS from frame 452.For the face-to-face transaction of POS, be stored in the tracking data storing the encryption of establishing or in SE and decipher by MST, as shown in frame 454, be then transferred to POS, as shown in frame 456.This POS also can transfer data to transaction processor, as shown in frame 458.
For remote transaction, encrypted tracking data can be transferred to the checkout application of this mobile communications device, as shown in frame 460.Then this checkout application can transfer data to paying server, as shown in frame 462.These data only can be deciphered by corresponding paying server after checkout, as shown in frame 464, otherwise concerning this Mobile solution or these data of interception in transmitting procedure on wireless or wired internet network or other communication networks anyone be exactly useless.Decrypted data also can be transferred to transaction processor by this paying server, as shown in frame 466.
A kind of method operated in the transmission mode disconnected according to illustrative embodiment is described with reference to figure 5.The cafe user MST such as connected via audio jack or other communication interfaces signs in his/her purse application, as shown in frame 468.Suppose that a card or multiple card are loaded in SE/ secure memory safely, if be loaded with a more than card, when MST unit opens, user can change the acquiescence of the wallet card for being transferred to POS/top.In one aspect, can first " selection " particular card.By pressing with the MST softdog inserted " transmission " button be pressed in purse application, or by pressing MST originally transmission button with it, no longer allow in the specific period before the transmission of Payment Card at MST, " selected card " on MST can be transferred to POS, as shown at block 470.After having attempted transmission, LED indicator can glisten, such as green glow, about 500 milliseconds or other times amount as required, as indicated in a block 472.For the non-pay card be stored in MST, whenever Payment Card does not cover acquiescence card position, this acquiescence non-pay card can be used for being transmitted by the button pressed simply on MST, the transmission that this LED indicator for displaying occurs.
If by the purse application of enabling in default transport pattern to MST certification, and this MST extracts from mobile communications device, and as indicated in block 474, then unlatching keeps unblock to reach 4 minutes or longer, as shown in frame 476 by softdog.When by press during this period button on MST and MST near POS time, after this period, softdog can be closed and be needed again to be opened by purse application and unlock, this allows businessman or user's transport and uses this MST softdog to complete the transmission of card data, as shown in frame 478.This feature is used for many restaurants, wherein blocks the POS system that must turn back to away from dining table.This function allows waiter only taked MST softdog in process at 4 minutes and move to POS this unit is opened while simply, and does not need the mobile communications device obtaining client together with MST softdog.
In one aspect, tracking data can be stored in storage facilities after fabrication, loaded by Server remote, use specific process to be loaded by his/her magnetic stripe tracking data is converted into contactless tracking data by client via purse application if necessary, or be directly stored in the storage facilities of MST or SE for using subsequently.
A kind of method operated in POS card read mode according to illustrative embodiment is described with reference to figure 6.This pattern allows the magnetic strip reader (MSR) of MST not only to load card, but also by reading and encrypting any magnetic stripe card used together with POS on the mobile device and be used as POS, accepts to pay businessman applying as any businessman POS.User can on the MSR of MST brush magnetic card, as shown in frame 480.MST read and encrypted card on data, as shown in frame 482.These data can be transferred to POS application on mobile communication devices, and as shown in frame 484, then these data can be transferred to paying server by it, as shown in frame 486.This paying server also can transfer data to the process of transaction processor for paying, as shown in frame 488.
Device disclosed herein, system and method provide directly is not caught by user and to be stored in the safe storage equipment of MST and subsequently by POS or be different from the magnetic card tracking data that other MSR devices that are contactless or NFC tracking data use with revising, and this contactless or NFC tracking data has must by card publisher coding with the specific fields worked by contactless POS.This MST comprises a button, and this button allows data on magnetic card to be transferred to POS at MST from mobile device disconnection or when being separated, and when MST correctly transmits, LED indicator starts.The unique pairwise of MST and specific wallet account provides better security, MST only can be stored with tracking data and use with transmitting together with the account that uses, and the ability resetting MST allows the non-matching of MST and reuses.MST can be connected to mobile communications device via the distinct interface outside being connected with USB at audio jack.
This device, system and method allow encrypted magnetic stripe tracking data to be loaded in the storage facilities of MST, it subsequently can be decrypted and be transferred to POS, or mobile communications device can be transferred to encryptedly, be then sent to paying server for deciphering and processing for loading wallet account or process POS transaction on the server.This device, system and method provide use the tracking data that is stored or by the tracking data brushed for virtual checkout environment, safer and lower cost businessman is concluded the business.
This device, system and method make tracking data can from card publisher to wallet server provider, to purse application on mobile communication devices, and to the SE of MST or storage facilities remote loading and transmission, for using subsequently.This device, system and method additionally provide and to load the one or more arbitrary fields of loyalty account information to tracking data with in trading time period or the ability that reads of released business afterwards together with Payment Card data, and it can cause the bid of combining with payment transaction and loyalty program.
As mentioned above, the magnetic stripe card data be such as stored on the safety element 108 of MST100 can be transferred to the checkout application of mobile communications device and use in mobile checkout system.In one aspect, disclose a kind of mobile checkout system and method, it assists to reduce the leakage code check of shopping cart and the conversion ratio of raising sale.It should be understood, however, that can with or realize mobile checkout system disclosed herein and method without MST100.
Describe a kind of according to the general introduction of illustrative embodiment for the system 20 of mobile check-out process with reference to figure 7.System 20 comprise one can be similar or identical with above-described mobile communications device 200 mobile communications device 500, and one checkout server 600.As previously mentioned, mobile communications device 500 can communicate with one another with checkout server 600 on network 170.
Checkout server 600 serves one or more network service application programming interface (API) 602 (also referred to as checkout API), and database 604.Database 604 can store user and payment data.Checkout server 600 also can comprise the checkout webpage for online checkout in a browser alternatively.
Mobile communications device 500 can comprise mobile checkout application 502, one or more shopping application 504 and one or more browser application 506.Mobile checkout application 502 can be activated from online shopping webpage or from mobile shopping application or enable, and is designed to implement payment transaction.Mobile checkout application 502 is in the hardware and/or peripheral unit of the mobile communications device 500 of MST100 as escribed above or purse application; And/or in long-range checkout server 600 or cloud, store and pay and personal data.Mobile checkout application 502 is from hardware; The peripheral unit of such as MST100; Above-mentioned purse application; And/or customer data and Payment Card data are retrieved or received to cloud in check-out process, to reduce such as in the data inputting amount of the credit number of check-out process, the term of validity and Billing Address.Other application also can be installed on mobile communications device 500, as shopping application 504 and the browser application 506 loading shopping website.
For including but not limited to Android tM, iOS tMand Windows tMmobile phone can have with the checkout application 502 of the different mobile platforms of board device is permitted a version.
Checkout application 502 makes client complete to come from the transaction of another calculation element of same mobile communications device 500 or such as desktop or other calculation elements.Checkout application 502 also can be switched or again be directed to another Mobile solution of such as shopping application 504 or derive from this another Mobile solution; Be switched to the webpage in browser application 506 or switch from the webpage browser application 506, this webpage runs on mobile communications device 500; Started by the sending out notice sent by checkout server 600; And/or to be started by user and for scanning rapid reaction (QR) code representing this transaction.Each of these operator schemes describes in further detail following.
Payment and personal data can be stored in mobile phone hardware and peripheral unit by checkout application 502.Information can also be stored in cloud or long-range checkout server 600 by checkout application.Checkout application 502 retrieves customer data and Payment Card data from hardware, periphery or cloud, such as card number, the term of validity and Billing Address, to reduce the amount that data enter in check-out process check-out process.
The checkout application 502 that mobile communications device 500 runs can access one or more hardware componenies of mobile communications device 500.Such as, as shown in Figure 8, checkout application 502 can access hardware parts, include but not limited to SIM card 508, safety element (SE) 510 and storer 512 that data can be stored.Checkout application 502 also can access hardware parts, include but not limited to camera 514, accelerometer 516, gyroscope 518, gps receiver 520, electronic compass 522 and biology sensor 524, and wherein captured parameter can be used in extra safety practice.
Checkout application 502 can access peripheral components and accessory via different communication interfaces 526, includes but not limited to USB, audio jack, bluetooth, serial ports, WiFi and other interfaces.This peripheral components and accessory can include but not limited to the Payment Card reader 700 of such as MST100, magnetic stripe card reader, intellignet card fetch, nfc card reader and EMV card reader; Code keypad 702; Barcode scanner 704; Printer 706; Display unit; Check scanner etc., for the input and output of data.
Checkout application 502 can be started by user independently, with after user authentication success, manages his storage card and personal information.When application 502 of settling accounts uses together with the peripheral unit of such as MST100, the electromagnetic signal that checkout application 502 can transmit tracking data is swiped the card to imitate magnetic, and does not need physics to swipe the card.This allows this checkout application 502 to use in entity and retail shop, concludes the business for virtual card magnetic stripe.
In one aspect, point to another Mobile solution or web browser when this checkout application 502 to start or from another Mobile solution or when starting from web browser, after payment transaction, client is called shopping browsing device net page by again leading back to or calls by returning the mobile shopping application that URL(uniform resource locator) (URL) represents.In this again guiding mechanism, checkout application 502 can register a customization URL scheme by this operating system.After registration, this operating system can use one to plan part in URL, such as " capp: // ", be associated with checkout application 502 to make this URL.
Then this operating system process customization URL plan/agreement by starting checkout application 502.Such as, in iOS and android system, customization URL can take customScheme: the form of //mydomain.com/myparameters.In Android, register by adding intention filtrator in AndroidManifest.xml file.In iOS, be set in plist.info file by increase " CFBundledURLTypes " and register.After carrying out above registration, when other application or website call this URL time, checkout application 502 can be opened subsequently/start/switch.In addition, parameter is passed to checkout application 502 by my argument section customizing URL.By using customization URL scheme guiding mechanism again, different shopping application can be directed to checkout application 502 again to implement delivery operation.According to different scenes, transaction results is sent out by various method/again leads back to the application or caller of calling.
When by sending out notice message or Quick Response Code sweep start account closing procedure 502, after payment transaction, the original shopping page on computing machine or communicator upgrades transaction results.
Because checkout application 502 is this locality application on mobile communications device 500, checkout application 502 can be accessed otherwise the hardware that can not obtain from mobile browser or peripheral components.In addition, because checkout application 502 is pooled applications with other shopping websites or application start/switch or be redirected to other shopping websites or application or be redirected to from other shopping websites or application, each businessman no longer needs hardware driver to be attached in their application.On the contrary, a kind of application from them or the simple form that again leads with the website that URL leads form again just enough.
In order to use checkout system, user registers by arranging username and password and opens an account.In account process of establishing, the personal information of user, such as name, surname, Billing Address and Shipping Address, be captured and be stored in checkout server 600.Such as, user account information is stored in database 604.A kind of optional identification step can be used for the validity of identifying user identity.Alternatively, relevant with mobile communications device 500 information also can be stored and is tied to the account of user or associates with the account of user.
Checkout server 600 is served one or more network service and they is exposed as the checkout API that application programming interface (API) 602 calls, for applying for their shopping of exploitation of online/mobile businessman.As mentioned above, database 604 is for storing the personal information and payment information that are registered user.When user carries out online shopping, the checkout webpage of checkout server 600 also service-user to complete transaction in browser.
In one aspect, this shopping application creates a kind of mark for identifying payment transaction uniquely by calling the API method of being served by checkout server 600.About the information of transaction, comprise product information, price and quantity and the flow control information of the URL that such as again leads, be provided as input parameter.URL can be used for arranging this and again leads or switch to be back to and call application or webpage.Can implement all guiding again and flow control with this checkout mark, this checkout mark is for following the tracks of payment transaction.The state that API method can inquire about payment transaction is called by what served by checkout server 600 in business application or website.
In one aspect, Fig. 9 shows the example operational flow of the online ticketing service using online shopping site and mobile shopping application.In this illustration, the shopping application 504 that user or client 900 are used on the mobile communications device 500 of user is browsed.Client 900 starts shopping application 504, as opera ticketing service application.Client 900 uses shopping application 504 to browse and adds article to shopping cart for checkout and purchase.In this illustration, shopping application 504 manages shopping cart and communicates 902 with business server 904 to obtain the lastest imformation of product, such as opera performance title, performance time and price.When client 900 determines to buy product, customer selecting product also proceeds to checkout step 906.In this checkout step, client 900 selects 908 checkout buttons to buy this product.910 checkout servers 600 are called in this application 504, via business server 904, and transmit the information about product, trading volume etc.Business server receives 912 checkout marks 914 from checkout server 600.
This application 504 receives checkout mark 914 and again leads 918 to checkout application 502, and customization URL and checkout mark are as parameter.In checkout application 502, he/her is own to server 600 certification 920 of settling accounts for client 900.Once certified, client 900 confirms transaction with checkout server 600, and this checkout application 502 calls 922 checkout servers 600 or website API602 to complete by the transaction of checkout marker recognition.This transaction is forwarded 924 to checkout processor 926 by checkout server 600.Transaction results is returned 928 to checkout application 502, as shown in 930 via checkout server 600 by checkout processor 926.
After completing transaction, checkout application 502 again lead 932 get back to original shopping application, settle accounts mark and transaction results as parameter, it shows result page 934.This application is obtained by one or more possible path or receives transaction results, comprising: (A) this shopping application receives transaction results from the URL parameter that again leads; This shopping application business server upgrades 936 stateful transactions, and wherein result is pushed 938 and pulls 940 up-to-date stateful transactions or result from server 600 of settling accounts by API602 to business server or (C) business server by (B) server 600 of settling accounts.
When exemplary use, the sports equipment shopping application of being developed by Acme company can be directed to checkout application 502 again for paying.Extra exemplary service condition can comprise: when being again directed to checkout application 502 for paying, and the grocery store BuyMore developed by BuyMore.com applies and can implement its oneself loyalty program in its oneself application; Similarly, the Pizza in Contoso dining room is ordered to apply and can be built a kind of Mobile solution for delivery service and use checkout service 502 for paying.By this way, (as from different company), application developer can be absorbed in product explorer and purchase experiences, and part payment is left for checkout application 502.
In one aspect, Figure 10 shows the example operational flow of the online ticketing service using online shopping site and browser application.In this illustration, the browser application 506 that user or client 900 are used on the mobile communications device 500 of user in online shopping merchant web site is browsed.Client 900 uses browser application 506 to start the merchant web site of such as opera ticketing website.Client 900 uses browser application 506 to browse and adds article to shopping cart for checkout and purchase.In this illustration, merchant web site communicates 1002 with business server 904, to obtain the lastest imformation of product, such as, and opera performance title, performance time and price.Business server 904 shows business website and manages shopping cart.When client 900 determines to buy product, customer selecting product also proceeds to checkout step 1006.In checkout step, client 900 selects 1008 checkout buttons to buy this product.Merchant web site is directly called or is used commerce server 904 to call 1010 checkout servers 600, and transmits the information such as product, trading volume.Business server receives 1012 checkout marks 1014 from checkout server 600.
Application 506 receives 1016 checkout marks 1014, and business website leads 1018 again to checkout application 502, and customization URL and checkout mark are as parameter.In checkout application 502, he/her is own with server 600 certification 1020 of settling accounts for client 900.Once certified, client 900 confirms transaction with checkout server 600, and this checkout application 502 calls 1022 checkout servers 600 or website API602 to complete by the transaction of checkout marker recognition.This transaction is forwarded 1024 to checkout processor 926 by checkout server 600.Transaction results is returned 1028 to checkout application 502, as shown in 1030 via checkout server 600 by checkout processor 926.
After completion of transactions, checkout application 502 again lead and 1032 is got back to and mark with checkout, and transaction results is as the browser application 506 of parameter, and it shows result page 1034.Merchant web site is obtained by one or more possible path or is received transaction results, comprising: (A) merchant web site receives transaction results from the URL parameter that again leads; Merchant web site business server upgrades 1036 stateful transactions, and wherein (B) server 600 of settling accounts pushes 1038 results and pulls out 1040 up-to-date stateful transactions or result to business server or (C) business server from checkout server 600 by API602.
In one aspect, Figure 11 shows the example operational flow that one is notified by propelling movement type or Short Message Service (SMS) is applied from the shopping webpage startup checkout the desktop browsers run on computers.In this illustration, user or client 900 use the desktop browsers 1102 on the computer installation 1100 of such as computer to browse in online shopping merchant web site.Client 900 uses browser 1102 to start the merchant web site of such as opera ticketing website.Client 900 uses browser to browse and adds article to shopping cart for checkout and purchase.In this illustration, merchant web site communicates 1104 with business server 904, to obtain the lastest imformation of product, and such as opera performance title, performance time and price.Business server 904 shows business website and manages shopping cart.When client 900 determines to buy product, customer selecting product also proceeds to checkout step 1106.In checkout step, client 900 selects 1108 checkout buttons to buy this product.Merchant web site is directly called or is used commerce server 904 to call 1110 checkout servers 600, and transmits the information such as product, trading volume, URL.Business server receives 1112 checkout marks 1114 from checkout server 600.
User can be prompted voucher with to user's certification on web browser.Checkout server 600 is called with to user authentication in business website.Upon user authentication, server of settling accounts can be searched mobile communications device 500 telephone number of user or device identification and send the mobile communications device 500 that 1116 sending out notice or note register with checkout mark to user.After reception notification, start account closing procedure 502.In checkout application 502, he/her is own with server 600 certification 1120 of settling accounts for client 900.Once certified, client 900 confirms transaction with checkout server 600, and this checkout application 502 calls 1122 checkout servers 600 or website API602 to complete by the transaction of checkout marker recognition.This transaction is forwarded 1124 to checkout processor 926 by checkout server 600.Transaction results is returned 1128 to checkout application 502, as shown in 1130 via checkout server 600 by checkout processor 926.Merchant web site upgrades 1136 these stateful transactions, such as, by ballot, and desktop browsers display result page 1134.Merchant web site is obtained by two kinds of possible paths or receives transaction results: result is pushed 1138 and pulls 1140 up-to-date stateful transactions or result from server 600 of settling accounts by API602 to business server or (B) business server by (A) server 600 of settling accounts.
In one aspect, Figure 11 also show a kind of example operational flow being started checkout application by Quick Response Code scanning from the shopping webpage the desktop browsers run on computers.In this illustration, user or client 900 use the desktop browsers 1102 on the computer installation 1100 of such as computer to browse in online shopping merchant web site.Client 900 uses browser 1102 to start the merchant web site of such as opera ticketing website.Client 900 uses browser to browse and adds article to shopping cart for checkout and purchase.In this illustration, merchant web site communicates 1104 to obtain the lastest imformation of product with business server 904, such as opera performance title, performance time and price.Business server 904 shows business website and manages shopping cart.When client 900 determines to buy product, customer selecting product also proceeds to checkout step 1106.In checkout step, client 900 selects 1108 checkout buttons to buy this product.Merchant web site is directly called or is used commerce server 904 to call 1110 checkout servers 600, and transmits the information about product, trading volume, URL etc.Business server receives 1112 checkout marks 1114 from checkout server 600.
In this example, business website or business server call 1118 checkout servers 600 by API602, to obtain the Quick Response Code 1142 representing checkout mark.User starts checkout application 502 on mobile communications device 500, and scans 1144 Quick Response Codes 1142.Upon activation of account closing procedure 502, this process continues with reference to Figure 11 as mentioned above.
Although described the method described above and algorithm that comprise with reference to above-mentioned process flow diagram and accompanying drawing individually, it should be understood that the method for any two kinds disclosed herein or more can be combined in any combination.Any one of method described herein, algorithm, embodiment or process can comprise for the machine readable instruction fetch by following enforcement: (A) processor, (B) controller and/or (C) any other suitable treating apparatus.Any algorithm disclosed herein, software or method can be stored in non-transient tangible medium, such as flash memory, CD, floppy disk, hard disk, Digital video disc (is implemented in the software on DVD or other memory storages, but those of ordinary skill in the art should it is readily understood that, its whole algorithm and/or parts also can be implemented additionally by a kind of device being different from controller and/or implement in firmware or specialized hardware in a well-known manner, namely it can by the specific integrated circuit of a kind of application (ASIC), programmable logic device (PLD), field domain programmable logic device (FPLD), the enforcements such as discrete logic.In addition, although describe concrete grammar and algorithm with reference to process flow diagram described herein, those of ordinary skill in the art should it is readily understood that, can use in addition and implement many additive methods of this machine readable instruction fetch.Such as, the enforcement order of step can be changed, and/or can change, eliminate or combine step described in some.
It should be noted can have with the method discussed and algorithm herein and implement specific function and multiple module interact with each other.It should be understood that the function of these modules only in order to describe based on them is isolated, and represent computer hardware and/or executable software code, this software code is stored on computer-readable medium for implementing in suitable computing hardware.The various functions of disparate modules and unit can merged or isolation as the hardware be stored in by any way in non-computer readable media module and/or software, and can individually or to combinationally use.
This mobile communications device can be other mobile devices of notebook computer, mobile phone, personal digital assistant (PDA), panel computer and the type.Parts in system and method disclosed herein and/or the communication between device can be the unidirectional or two-way electronic communications by wired or wireless structure or network.Such as, parts or device by third party intermediary on the internet or with another parts or device is connected by wire directly or indirectly or wirelessly network connects, to make can communicate between parts or device.The example of radio communication includes but not limited to radio frequency (RF), infrared ray, bluetooth, WLAN (wireless local area network) (WLAN) (such as WiFi) or wireless network broadcast, if carry out with the cordless communication network of such as other communication networks of Long Term Evolution (LTE) network, WiMAX network, 3G network, 4G network and the type the radio that communicates.
Although describe and illustrate this device, system and method in conjunction with specific embodiment, many changes and amendment for those skilled in the art will obviously and can carry out when not deviating from the spirit and scope of the present invention.Therefore the present invention is not limited to the fine detail of said method or structure, because this change and amendment are intended to included within the scope of the present disclosure.

Claims (20)

1. the checkout system implemented on mobile communication devices, this mobile communications device is included in and described mobile communications device can obtains and be suitable for making optional businessman's application or the browser application of selecting the product will bought from businessman of user, and this checkout system comprises:
Communication processor, described communication processor and service one or more network service settle accountss the checkout server communication of application programming interfaces (API), and described network service application programming interfaces of settling accounts are suitable for communicating with described mobile communications device; And
Checkout application, described checkout application to be arranged on described mobile communications device and to be suitable for:
Be activated in response to the information received corresponding to purchase-transaction;
With described checkout server communication, and described checkout server is caused to complete described purchase-transaction; And
When this transaction completes, restart the application of described businessman or browser application.
2. checkout system according to claim 1, wherein, described checkout server produces a checkout mark, and described checkout mark identifies this purchase-transaction in response to Client-initiated purchase-transaction.
3. checkout system according to claim 2, wherein, described checkout mark is sent to the application of described business or browser application by described checkout server.
4. checkout system according to claim 3, wherein, described checkout application receives described checkout mark from described business application or browser application.
5. checkout system according to claim 4, wherein, described checkout application carries out certification to user.
6. checkout system according to claim 5, wherein, in response to user authentication, described checkout application confirms described purchase-transaction with described checkout server.
7. checkout system according to claim 6, wherein, in the restarting process of the application of described business or browser application, the result of described checkout mark and described purchase-transaction is sent to described businessman and applies or browser application by described checkout application.
8. checkout system according to claim 7, wherein, the application of described businessman or browser application show the result page corresponding to described purchase-transaction in response to being restarted.
9. checkout system according to claim 1, wherein, described checkout server is by the described purchase-transaction that described transaction communicated with a process payment.
10. checkout system according to claim 1, wherein, the described checkout application magnetic stripe forwarder be suitable for from communicating with described mobile communications device receives user's payment information.
11. checkout systems according to claim 1, wherein, described checkout application is suitable for receiving the information corresponding to described purchase-transaction in response to from the application of described businessman or browser application and being activated.
12. checkout systems according to claim 1, wherein, described checkout application is suitable in response to receiving the information corresponding to described purchase-transaction from described checkout server and is activated.
13. checkout systems according to claim 1, wherein, described checkout application is suitable for, in response to by propelling movement type notice, Email or Short Message Service, receiving the information corresponding to described purchase-transaction and be activated from described checkout server.
14. checkout systems according to claim 1, wherein, described checkout application is suitable in response to receiving the information corresponding to described purchase-transaction from the rapid reaction shown at described mobile communications device (QR) coding and is activated.
15. 1 kinds of methods, comprising:
Make user can browse and select for the article applied by one first or browser is bought from businessman;
The checkout application be arranged on a mobile communications device is started in response to described checkout application receives the information corresponding to a purchase-transaction;
Settled accounts by described checkout application reception one and mark, the purchase-transaction that this checkout marker recognition is produced by a checkout server;
By described checkout application, with described checkout server communication, complete purchase-transaction to make described checkout server; And
Described first application or browser is restarted in response to completing of transaction.
16. methods according to claim 15, wherein, the reception of described checkout mark comprises from described first application or the described checkout mark of browser application reception.
17. methods according to claim 15, be included in further with described checkout server communication before, by described checkout application authorization user.
18. methods according to claim 15, comprise further and receive user's payment information by described checkout application from the magnetic stripe forwarder communicated with described mobile communications device.
19. methods according to claim 15, wherein, the startup of described checkout application comprises in response to receiving the information corresponding to purchase-transaction from described checkout server, starts described checkout application by propelling movement type notice, Email or Short Message Service.
20. methods according to claim 15, wherein, the startup of described checkout application comprises in response to corresponding to the information of purchase-transaction from the reception of the rapid reaction shown at described mobile communications device (QR) coding to start described checkout application.
CN201580000172.1A 2014-02-20 2015-02-13 Mobile checkout systems and methods Pending CN105051768A (en)

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