CN108428130A - The payment transaction system and method initiated using the mobile device of client and the client of card - Google Patents
The payment transaction system and method initiated using the mobile device of client and the client of card Download PDFInfo
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- CN108428130A CN108428130A CN201711120588.4A CN201711120588A CN108428130A CN 108428130 A CN108428130 A CN 108428130A CN 201711120588 A CN201711120588 A CN 201711120588A CN 108428130 A CN108428130 A CN 108428130A
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- Prior art keywords
- mentioned
- card
- mobile device
- payment
- information
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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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
- G06Q20/3415—Cards acting autonomously as pay-media
-
- 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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/354—Card activation or deactivation
-
- 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
- G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
Abstract
The present invention client initiate payment transaction system include：The mobile device of client；The card of client with card information；And the businessman with Business Information and payment information.Above-mentioned mobile device can include by multiple step process card payment transactions, above-mentioned multiple steps：Above-mentioned mobile device receives the step of above-mentioned Business Information and above-mentioned payment information；For the step of being activated by the above-mentioned card payment transactions of above-mentioned card processing；Transaction authorization request, and the step of transmitting above-mentioned transaction authorization request to acquiring firm are generated using above-mentioned card information, above-mentioned Business Information and above-mentioned payment information；And the step of result of payment authorization request is received from above-mentioned acquiring firm.
Description
Technical field
The application is the United States Patent (USP) at " Activiation method of multi-function device card " entitled filed in 25 days Mays in 2017
Apply for that the 15/605th, No. 808 (is advocated in South Korea patent application filed in 3 days January in 2017 the 10-2017-0000669th
Priority)；And as the part continuation application in U.S. Patent Application No. filed in 31 days July in 2017 15/665,333
, U.S. Patent Application No. in entitled " total management systems and method of loyalty credits " filed in August in 2017 16 days
15/679, No. 072 part continuation application, and advocate its priority, the disclosure is incorporated herein by reference.
The payment transaction system and method initiated the present invention relates to the client of the mobile device for using client and card, in more detail
Ground is related to the card payment transactions system and method initiated by client instead of using the businessman of the mobile device of client.Above-mentioned card
Can be credit/debit, accumulating card, multi-function device (MFD) card or near-field communication (NFC) card, above-mentioned mobile device by
Near-field communication, bluetooth (trade mark) etc. are communicated with above-mentioned card.
Background technology
Payment Card (Payment cards) (hereinafter, being referred to as " multiple cards " or " card ") is for making whole world millions of people
Facilitate payment in a manner of electronic funds transfer, thus is widely used.Payment Card can be credit card, debit card, integral
Card, multi-function device card, near-field communication card etc..Consumer can use the card payment of oneself to buy product or service from businessman.
As shown in Figures 1 and 2, bought from the physical location of businessman typical, client needs to positioned at businessman's
Point of sale (POS, the Point Of Sale) terminal in the location of business shows its card.Card be inserted by point of sales terminal or by
Brush.Optionally, it inputs required card information or point of sales terminal receives near-field communication contactless transaction, and card information is deposited
Storage is in point of sales terminal.Once receiving and storage card information, for the mandate of transaction, point of sales terminal is by itself and businessman
(Merchant) Transaction Information of the Business Information of code etc. and payment amount and currency etc. is transmitted to acquiring firm together
(Acquirer).Point of sales terminal transmits these information by wire/wireless internet or standard phone line, to acquiring firm.Make
For a part for authorization flow, acquiring firm is communicated with publisher (Issuer), at this point, above-mentioned publisher is to be provided to client
The company of card.
Wherein, acquiring firm is usually the enterprise for having with businessman bank of business relations etc..Publisher is usually to consumer
Provide the enterprise of bank of card etc..In payment transaction (Payment transaction) or its clearance (clearance) and settle accounts
(settlement) in mandate, the communication between acquiring firm and publisher can be intervened.Acquiring firm and/or publisher authorize or
Refusal to pay transaction, and determined to be transmitted to point of sales terminal again.
But since the card information of client is transmitted to the point of sales terminal of businessman, thus the card information quilt of client may be present
The danger of robber.Also, does not have point of sales terminal in businessman or point of sales terminal is idle, client cannot use certainly
Oneself card payment.
The movement of cellular phone, mobile phone, smart phone, tablet computing device, personal digital assistant (PDA) etc.
Equipment is tending to be popular, and is widely used as payment mechanism.Mobile device allows generally for production of the device owner to businessman
Product or service are paid.Mobile device can be connected with the payment account of the device owner or the card of the device owner
Information can store in a mobile device.
But in the case where mobile device is stolen, mobile device user can be with the payment account of the access equipment owner
Or card information, and can be paid in the case of the mandate of no equipment owner.
Many new payment systems are had been introduced at present.These systems manage new branch usually using server or management system
Pay transaction flow and database.But most of system has significantly alterred existing payment transaction system so that realizes expense
It is expensive and impracticable.
Therefore, in order to overcome the problems, such as these and disadvantage, the branch initiated using the mobile device of client and the client of card is needed
Pay transaction system and method.The present invention is for solving the above problems, and the needs of meet for a long time.
Invention content
The payment system and method that the present invention is initiated by offer using the mobile device of client and the client of card, to solve
Certainly problem of the prior art and disadvantage.
The object of the present invention is to provide the payment transaction system that client initiates, the payment transaction system of above-mentioned client's initiation
System includes：The mobile device of client；The card of client with card information；And the businessman with Business Information and payment information.
Card can be credit card, debit card, accumulating card, multi-function device card, near-field communication card etc., and card information may include card number, have
Effect phase, expected monetary value (EMV) (EMV) parameter, card title, user information, card authentication value, password etc..Business Information may include distribution
It may include the use for distributing to businessman to give member's code of member's card transaction, point of sales terminal parameter, and payment information
In merchant code, the point of sales terminal parameter etc. of the card transaction with acquiring firm, payment information may include the goods for being supplied to client
Object or the payment amount of service, currency, transaction ID etc..
Above-mentioned mobile device can be by multiple step process card payment transactions：Above-mentioned multiple steps include：Above-mentioned movement is set
Standby the step of receiving above-mentioned Business Information and above-mentioned payment information；Swashed to handle above-mentioned card payment transactions by above-mentioned card
Step living；Transaction authorization request is generated using above-mentioned card information, above-mentioned Business Information and above-mentioned payment information, and to acquiring firm
The step of transmitting above-mentioned transaction authorization request；And the step of result of payment authorization request is received from above-mentioned acquiring firm.
Preferably, above-mentioned card is multi-function device card or the near-field communication card with near-field communication antenna, above-mentioned movement
Equipment includes near-field communication sensor.Above-mentioned mobile device blocks branch for the near-field communication processing passed through between card and mobile device
It pays transaction and is activated, above-mentioned mobile device receives card information by the near-field communication between card and mobile device, from clamping.
Before the step of mobile device is activated, above-mentioned card number or card information are not stored in above-mentioned mobile device.
Also, above-mentioned multiple steps include the step that mobile device deletes card number or card information after being asked to acquiring firm transmission payment authorization
Suddenly.
Above-mentioned mobile device receives above-mentioned Business Information or above-mentioned payment information in the following way：By from above-mentioned quotient
The wireless communication of family；By the near field communication tag for touching the businessman for storing above-mentioned Business Information with mobile device；Pass through
Above-mentioned Business Information is keyed in into above-mentioned mobile device.Above-mentioned businessman can generate and transmit to mobile device and Business Information or branch
Pay information-related Quick Response Code (QR code) or bar code (barcode).
Alternatively, above system can utilize the server with the database for storing Business Information.Movement is set
The standby geographic position data that businessman can be obtained using the global positioning system of mobile device, and to above-mentioned server transport
Position data, correspondingly, above-mentioned server search and export Business Information corresponding with geographic position data are managed, and
Above-mentioned Business Information is transmitted to above-mentioned mobile device.
Another object of the present invention is to provide client's initiations that client is paid using the synthesis loyalty credits of oneself
Payment transaction system.Above system includes the mobile device of client；The card of client has and the comprehensive relevant letter of loyalty credits
Breath；And businessman, agree to get comprehensive loyalty credits in the method paid.Include client with the comprehensive relevant information of loyalty credits
The synthesis loyalty credits amount of money that identifier and client are possessed.
Above-mentioned mobile device can utilize the synthesis loyalty credits of above-mentioned client to handle card payment transactions by multiple steps,
Above-mentioned multiple steps include：Above-mentioned mobile device receives the step of above-mentioned Business Information and above-mentioned payment information；In order to by card
The step of handling card payment transactions and being activated；Using with comprehensive loyalty credits, Business Information and the relevant information of payment information
Generate transaction authorization request, and the step of transmitting the transaction authorization request of comprehensive loyalty credits to acquiring firm；And from acquiring firm
The step of receiving the result of payment authorization request.
Preferably, it before the step of above-mentioned mobile device is activated, is not deposited with the comprehensive relevant information of loyalty credits
Storage is in above-mentioned mobile device.Also, above-mentioned multiple steps further include that mobile device is sending transaction authorization request to acquiring firm
The step of deleting information relevant with comprehensive loyalty credits afterwards.
It is a further object of the present invention to provide the payment transaction methods that the client for the card for using client initiates.Above-mentioned side
Method includes：The mobile device of above-mentioned client receives the step of above-mentioned Business Information and above-mentioned payment information；In order to by above-mentioned card
The step of handling above-mentioned card payment transactions and being activated；It is given birth to using above-mentioned card information, above-mentioned Business Information and above-mentioned payment information
At transaction authorization request, and the step of transmitting above-mentioned transaction authorization request to acquiring firm；And it receives and pays from above-mentioned acquiring firm
The step of result of authorization requests.The above method further includes that mobile device is transmitting above-mentioned transaction authorization request to above-mentioned acquiring firm
After the step of deleting above-mentioned card information.
It is a further object of the present invention to provide the visitors for the synthesis loyalty credits for using the client being stored in the card of client
The payment transaction method that family is initiated.The above method includes：The mobile device of above-mentioned client receives above-mentioned Business Information and above-mentioned branch
The step of paying information；For the step of being activated by card processing card payment transactions；Using with comprehensive loyalty credits, Shang Jiaxin
Breath and the relevant information of payment information generate transaction authorization request, and are asked to the Trading Authorization of the comprehensive loyalty credits of acquiring firm transmission
The step of asking；And the step of result of payment authorization request is received from acquiring firm.The above method further include mobile device to
The step of above-mentioned information relevant with comprehensive loyalty credits is deleted after above-mentioned acquiring firm transmission transaction authorization request.
It is an advantage of the invention that：(1) even if not having point of sales terminal or the idle situation of point of sales terminal in businessman
Under, the payment transaction of client can also be carried out；(2) it is not necessarily to the card information to the important client of merchant transmission；(3) payment transaction is equal
The mobile device and card of client are needed, and mobile device does not store card information, to improve safety；(4) businessman does not need
The expensive card of payment handles service charge, and simplifies payment flow；(5) system of the invention can remove the point of sale of businessman
The necessity of terminal；(6) a variety of cards of debit card/credit card or loyalty credits card etc. can be used as means of payment；(7) this hair
Bright system does not change existing system significantly due to the use of already present existing (pre-existing) system, thus is easy to
It realizes, it is efficient and expense can be reduced；(8) system of the invention is minimized to Europe payment (Europay) (trade mark), all things
Dacca (Mastercard) (trade mark) and credit card (Visa) (trade mark is jointly expected monetary value (EMV)) standard etc. it is existing
The influence of payment flow and foundation structure；(9) since the mobile device of client executes the effect of the point of sales terminal of businessman, thus
Without disclosing the card information of client to businessman；(10) the present invention system under, client need oneself card and mobile device into
Row card payment, mobile device does not store card information other than in the case where handling payment request, thus improves safety；
(11) in the system of the present invention, when card is medium density fibre board (MDF) or near-field communication card, even if card is lost or is stolen, unless
It is activated by mobile device, then it is unusable, thus can more improve safety.
Although having summarized the present invention, can more be filled by the following drawings, detailed description and appended claims
Ground is divided to understand the present invention.
Description of the drawings
Feature as described above and other features, the mode and advantage of the present invention is better understood with reference to the drawings.
Fig. 1 is the schematic diagram of existing card payment transactions.
Fig. 2 is another schematic diagram of existing card payment transactions.
Fig. 3 is the schematic diagram of the card payment transactions of the mobile device and card using client of the present invention.
Fig. 4 is another schematic diagram of the card payment transactions of the mobile device and card using client of the present invention.
Fig. 5 utilizes the mobile device of client and the another schematic diagram of the card payment transactions of card for the present invention's.
Fig. 6 shows the communication means between the card and mobile device of the card payment transactions for the present invention.
Fig. 7 shows the communication party between the card and businessman or merchant point of sale terminal of the card payment transactions for the present invention
Method.
Fig. 8 shows the communication between the mobile device and card of client of the present invention, the point of sales terminal of businessman or businessman.
Specific implementation mode
Hereinafter, will be explained in the preferred embodiment of the present invention, the example is in forming the attached drawing of a part of the present invention
It shows.It should be appreciated that the present invention is not limited to specific device that is described herein and/or showing, method, condition or parameters, and
Term used herein is only used for illustrating specific embodiment by way of example, claimed without being intended to limit
Invention.
Also, such as including the used in the description of appended claims, " a " of singulative, " an " and " the " packet
Plural number is included, unless in the case where being explicitly indicated on context, which is included at least to the reference of special value.Herein
In, range can be expressed as from one particular value of "about" or "approximately" and/or "about" or "approximately" to another particular value.Work as expression
When such range, another embodiment includes from a particular value and/or to another particular value.Similarly, when some values are logical
It crosses using word " about " come when indicating approximation, it should be understood that particular value forms another embodiment.
Also, Fig. 1 and Fig. 2 shows use credit/debit card, accumulating card, loyalty credits card, multi-function device card, close
The card 10 of the client of communication card, digital card, interface card or radio frequency (RF) card etc. and the point of sales terminal 35 of businessman it is existing
Payment system.
In order to buy product or service from businessman, consumer can use card 10 to pay.Client is to positioned at businessman's
The point of sales terminal 35 in the location of business 30 shows the card 10 of oneself.Card is inserted into or is brushed by point of sales terminal 35
(swiped).Alternatively, it is non-that card information or point of sales terminal 35 required by can inputting can receive near-field communication from card 10
Contact is merchandised.Later, card information storage and point of sales terminal.Once receiving and storage card information being sold for the mandate of transaction
It sells a terminal 35 and is transmitted to receipts by it with the Business Information of merchant code etc. and payment amount and together with the Transaction Information of currency etc.
Purchaser 40.Merchant code distributes to the identifier of businessman to merchandise for card.Point of sales terminal 35 is by wire/wireless because of spy
Net or standard phone line transmit these information to acquiring firm 40.As a part for authorization flow, acquiring firm 40 and publisher 50
It is communicated, at this point, above-mentioned publisher 50 is the main body for providing card 10 to consumer.
Wherein, acquiring firm 40 is usually to have the enterprise of bank of business relations etc. with businessman, and publisher 50 is usually to disappearing
The person of expense provides the enterprise of bank of card 10 etc..In payment transaction or its clearance (clearance) and settle accounts (settlement)
It, can be with the communication between acquiring firm 40 and publisher 50 in mandate.Acquiring firm and/or publisher authorize or refusal to pay is handed over
Easily, it and is determined to be transmitted to point of sales terminal 35 again.
Also, Fig. 3, Fig. 4 and Fig. 5 show that the client for card 10 and mobile device 20 using client of the present invention initiates
Payment system system.
Client initiate payment transaction system include：The mobile device 20 of client；The card 10 of client with card information；With
And the businessman with Business Information and payment information.Business Information may include point of sale or other ends of merchant code and businessman
Hold parameter, payment information include client to be paid be used for buy the product of businessman or the payment amount of service and currency or
Transaction number.
Mobile device 10 can be cellular phone, mobile phone, smart phone, tablet computing device, personal digital assistant
(PDA) etc..Wherein, mobile device 10 further includes the application program being disposed therein, with the system for realizing the present invention.
As a part for authorization flow, acquiring firm 40 is communicated with publisher 50, at this point, publisher 50 is to client
Provide the main body of card 10.Wherein, acquiring firm 40 is usually the enterprise for having with businessman bank of business relations etc., and publisher 50 is usual
To provide the enterprise of 10 banks blocked etc. to consumer.In payment transaction or its clearance (clearance) and settle accounts
It (settlement), can be with the communication between acquiring firm 40 and publisher 50 in mandate.Acquiring firm 40 and/or publisher
50 authorize or refuse to pay transaction, and are determined to be transmitted to mobile device 20 again.As shown in figure 4, above system can be with
Including payment gateway 60.
Mobile device 20 can include by multiple step process card payment transactions, above-mentioned multiple steps：Above-mentioned mobile device
The step of 20 reception Business Information and payment information；For the step of being activated by the processing card payment transactions of card 10；Using upper
It states card information, above-mentioned Business Information and above-mentioned payment information and generates transaction authorization request, and above-mentioned transaction is transmitted to acquiring firm 40
The step of authorization requests；And the step of result of payment authorization request is received from above-mentioned acquiring firm 40.
Wherein, the step of activating mobile device 20 includes not only the activation step for handling card payment transactions, further includes
Card based on mobile device uses authorisation step.This activation including certification can be realized by following different modes：
By between card and mobile device near-field communication or bluetooth (trade mark) communicated；Card information is keyed in into mobile device 20 etc..
This activation can also include password key entry or fingerprint matching.
Also, the step of mobile device 20 is activated can be before mobile device 20 receives Business Information and payment information
It executes.
The result of payment authorization request can authorize or refuse card payment, and result can be transmitted and be shown in movement
In equipment.
Fig. 6 shows the communication between the card 10 of client and the mobile device 20 of client.Preferably, this to pass through bluetooth
(trade mark) or near-field communication.Or card information can be inputted in mobile device 20.
Preferably, card 10 can be multi-function device card or the near-field communication card with near-field communication antenna, and movement is set
Standby 20 may include near-field communication sensor.Near-field communication card can have double nip, can also be contactless card.Movement is set
Standby 20 are activated to handle card payment transactions by the near-field communication between card 10 and mobile device 20, and mobile device 20 is logical
The near-field communication between card and mobile device is crossed, card information is received from card 10.That is, mobile device 20 checks card 10 by tapping, and
It is activated, to handle card payment transactions, and receives card information.
Card 10 can be for storing the multi-function device card with multiple and different relevant information of card, and client can utilize more
Card of the functional device card from the list of multiple and different cards selection for card payment transactions.Alternatively, card 10 can be multifunctional assembling
Card is set, for being stored in the relevant information of multiple and different cards, list of the mobile device from multiple and different cards can be used in client
Card of the selection for card payment transactions.In other words, multi-function device card can store multiple debit card/credit cards and/or integral
Card, user can be chosen for use as the card of means of payment.Multi-function device card can have user can be from being shown in multi-function device
On card list selection card display.Alternatively, this list can be transmitted to mobile device 20, and be shown in movement and set
On standby 20 screen, a card can be selected from list thereby using family.
Above-mentioned multiple steps can also include by the near-field communication or bluetooth luminous energy between mobile device 20 and card 10
(BLE) the step of card 10 of communication activation multi-function device card or near-field communication card etc..In the case where bluetooth luminous energy communicates, on
Stating card can have bluetooth luminous energy chip, mobile device 20 that can have bluetooth luminous energy antenna.When activated, above-mentioned card is used for
Payment transaction.Being disclosed in the U.S. Patent Application No. 15/605,808 of entitled " Activiation method of multi-function device card " makes
The method for activating multi-function device card with mobile device, entire disclosure are incorporated herein by reference.
The step of activation card 10, can execute before the step of mobile device 20 receives Business Information and payment information.
Include by the method that mobile device 20 activates multi-function device card 10：Connect the near-field communication core of mobile device 20
Piece so that the step of mobile device 20 wirelessly connects multi-function device card 10 by near field communication network；By the way that near field is led to
Letter signal slave mobile device 20 is sent to multi-function device card 10, can be carried out in the near-field communication aerial of multi-function device card
Electromagnetic induction, the shifting near field communication network to search for the multi-function device card 10 that can be in communication range of mobile device 20
The step of dynamic equipment 20；When finding multi-function device card 10 by near field communication network, start in mobile device 20
(launching) the step of application program preloaded, activation to open multi-function device；When in above-mentioned mobile device 20
When opening activation of the application program of above-mentioned preloading (preload) to start multi-function device card, above-mentioned multifunctional assembling is utilized
Wireless personal-area network's (WPAN) antenna and wireless personal-area network's chip for setting card 10, and will be upper by wireless personal-area network
State the step of mobile device 20 is connected to above-mentioned multi-function device card 10；By the prescriptive procedure by above application program, pass through
Above-mentioned wireless personal-area network is come the step of making above-mentioned multi-function device card 10 and mobile device 20 be mutually authenticated；And work as more work(
Can device 10 when being certified, the step of completing the activation of multi-function device card 10.Preferably, above-mentioned wireless personal-area network's connection
For by the bluetooth light of the bluetooth luminous energy chip of mobile device 20 and corresponding bluetooth luminous energy antenna and multi-function device card 10
Bluetooth luminous energy (BLE, the Bluetooth Low Energy) connection that energy chip and bluetooth luminous energy antenna start.Due to above-mentioned card 10
It is activated by mobile device 20, thus even if being lost, the payment transaction of not mobile device can not be used for.
The step of mobile device 20 is activated includes from chip serial number from card 10 to 20 transmission card 10 of mobile device or card
The step of sequence number, in the chip serial number being transmitted or the card sequence number being transmitted and the chip sequence for being stored in mobile device 20
In the case that row number or card sequence number are consistent, or only in the case that its, mobile device 20 in order to handle card payment transactions and by
Activation.
Above-mentioned multiple steps further include the steps that above-mentioned mobile device receives above-mentioned card information.Above-mentioned card information can be by close
Communication or Bluetooth communication are received or can be typed into mobile device 20.
Due to safety concerns, before the step of mobile device 20 is activated, card number or card information are not stored in above-mentioned
In mobile device.Also, above-mentioned multiple steps further include that mobile device 20 is deleted after transmitting transaction authorization request to acquiring firm 40
The step of except card information.
Above-mentioned multiple steps can also include that mobile device 20 generates clearance and settlement request and passed to acquiring firm 40
Defeated step.That is, mobile device 20 transmits two kinds of requests of payment authorization request and clearance and settlement request etc..Pass through both
Individually request, multiple clients can more effectively control the cargo of businessman or the generation of service.
Fig. 7 shows the communication between mobile device 20 and businessman 30 or point of sales terminal 35.
Above-mentioned mobile device 20 can receive above-mentioned Business Information from above-mentioned businessman in the following way：By from above-mentioned quotient
The wireless communication of family；By the near field communication tag or radio frequency of touching the businessman for storing above-mentioned Business Information with mobile device
Identify label (RFID tag)；Or above-mentioned Business Information is keyed in into above-mentioned mobile device by either one in businessman or client
20.And it is possible to use short message service (SMS), beacon (beacon), ultraviolet communications.Alternatively, above-mentioned businessman can be with
Using Quick Response Code or bar code, with storage or transmission Business Information.
In alternative embodiment, above system can also include the service with the database for storing Business Information
Device.Mobile device 20 can obtain the geographic position data of businessman using the global positioning system (GPS) of mobile device 20, and
To above-mentioned server transport geographic position data, correspondingly, above-mentioned server may search for and export and geographical location
The corresponding Business Information of data, and above-mentioned Business Information can be transmitted to above-mentioned mobile device 20.
In one embodiment, above system can be believed using proprietary (proprietary) door data library to retrieve businessman
Breath.As an example, client can use the global position system location in the businessman location of business, retrieval detailed using proprietary system
Business Information.It can be by the information update database collected from the user of participation.Above-mentioned mobile device 20 can send businessman's
Global position system location, and from proprietary Business Information provide system receive Business Information or above-mentioned mobile device 20 can be to
Proprietary Business Information provides system and sends global position system location or businessman (ID), and above-mentioned proprietary Business Information provides system
System can transmit Business Information again to above-mentioned mobile device 20.
Moreover, above-mentioned mobile device 20 can receive above-mentioned payment information from above-mentioned businessman in the following way：By from
The wireless communication of above-mentioned businessman；By the near field communication tag for touching the businessman for storing above-mentioned Business Information with mobile device
Or RFID tag；Or above-mentioned Business Information is keyed in into above-mentioned mobile device 20 by either one in businessman or client.And
And short message service, beacon, ultraviolet communications can be used.Alternatively, above-mentioned businessman can use Quick Response Code or bar code,
With storage or transmission payment information.
Above-mentioned multiple steps can also pass through short message service (SMS, short message including acquiring firm 40
Service), Email (E-mail), the result for ask to merchant transmission payment authorization to merchant terminal PUSH message etc.
The step of.
As shown in figure 8, mobile device 20 is communicated by the point of sales terminal of card 10, businessman 30 or businessman, to execute
The effect of the point of sales terminal of client itself.
Also, Fig. 3, Fig. 4 and Fig. 5 show that the client for card 10 and mobile device 20 using client of the present invention initiates
Payment system system.Card 10 can be debit card/credit card, can also be accumulating card.Entitled " the synthesis of loyalty credits
The U.S. Patent Application No. 15/679,072 of management system and method " is disclosed non-synthesis (non-integrated) loyalty
Integral Transformation is the method for comprehensive loyalty credits, and entire disclosure is incorporated herein by reference.
The present invention client initiate payment transaction system include：The mobile device 20 of client；The card 10 of client, have with
The relevant information of comprehensive loyalty credits；And businessman, agree to get comprehensive loyalty credits in the method paid.Businessman has businessman
Information and payment information include voip identifiers and the comprehensive loyalty that above-mentioned client is possessed with the comprehensive relevant information of loyalty credits
The really integral amount of money.Business Information includes payment information, and payment information includes payment amount.
Above-mentioned mobile device 20 can utilize the synthesis loyalty credits of above-mentioned client to handle card payment by multiple steps and hand over
Easily, above-mentioned multiple steps include：The step of mobile device 20 for example receives Business Information and above-mentioned payment information from businessman；In order to
The step of card payment transactions being handled by card 10 and being activated；Using with comprehensive loyalty credits, Business Information and above-mentioned disbursement letter
It ceases relevant information and generates transaction authorization request, and transmit to acquiring firm 40 and asked with the comprehensive relevant payment authorization of loyalty credits
The step of；And the step of result of payment authorization request is received from above-mentioned acquiring firm 40.
Above system can also include the integrated management server for management comprehensive loyalty credits.
Preferably, above-mentioned card 10 can be multi-function device card or the near-field communication card with near-field communication antenna, on
It may include near-field communication sensor to state mobile device 20.Mobile device 20 is in order to by close between card 10 and mobile device 20
Communication process card payment transactions and be activated, mobile device 20 can by the near-field communication between card 10 and mobile device 20,
It is received and the relevant information of comprehensive loyalty credits from card 10.
For better safety, before the step of mobile device 20 is activated, with the comprehensive relevant letter of loyalty credits
Breath is not stored in mobile device 20.Also, above-mentioned multiple steps can also include that mobile device 20 is sent out to acquiring firm 40
Send the step of information relevant with comprehensive loyalty credits is deleted after transaction authorization request.
Above-mentioned mobile device 20 can receive above-mentioned Business Information and above-mentioned payment information from above-mentioned businessman in the following way：
By the wireless communication from above-mentioned businessman；By the near field for touching the businessman for storing above-mentioned Business Information with mobile device
Communication tags；Or above-mentioned Business Information is keyed in into above-mentioned mobile device 20 by either one in businessman or client.And it is possible to
Use short message service, beacon, ultraviolet communications.Alternatively, above-mentioned businessman can use Quick Response Code or bar code, with storage or
Transmit Business Information.
Above-mentioned multiple steps can also include that acquiring firm 40 is pushed by short message service, Email, to merchant terminal
Message etc. carrys out the step of result asked to merchant transmission payment authorization.
In another embodiment, the payment transaction method initiated using the client of the card 10 of client is disclosed.This method packet
It includes：The step of mobile device of client for example receives Business Information and above-mentioned payment information from businessman；In order to by the card of client
10 processing card payment transactions and the step of be activated；Transaction authorization request is generated using card information, Business Information and payment information,
And the step of transmitting transaction authorization request to acquiring firm 40；And the step for the result that payment authorization is asked is received from acquiring firm 40
Suddenly.The above method further includes the steps that mobile device deletes card information after transmitting transaction authorization request to acquiring firm 40.
In another embodiment, it discloses and is sent out using the client of the synthesis loyalty credits for the client being stored in the card of client
The payment transaction method risen.This method includes：The mobile device of client for example receives Business Information and payment information from businessman
Step；For the step of being activated by the card 10 of client processing card payment transactions；Using with comprehensive loyalty credits, Shang Jiaxin
Breath and the relevant information of payment information generate transaction authorization request, and the Trading Authorization of comprehensive loyalty credits is transmitted to acquiring firm 40
The step of request；And the step of result of payment authorization request is received from acquiring firm 40.The above method further includes mobile device
In the step of deleting information relevant with comprehensive loyalty credits after transmitting transaction authorization request to acquiring firm 40.
In the typical purchase of the system using the present invention, client enters the location of business of businessman and buys businessman
Cargo or service.The mobile device 20 of client receives Business Information and payment information.Client can be by bluetooth luminous energy or close
Field communication, to activate the multi-function device card or near-field communication card 10 of itself, later, in stored method of payment-credit
In card/debit card or (comprehensive or non-comprehensive loyal) accumulating card, client can be selected a kind of by the screen of mobile device 20.It
Afterwards, mobile device 20 generates and to acquiring firm transmission payment authorization request, followed by, authentication result is fed back to movement by acquiring firm
Equipment 20 and businessman.
The system of the present invention can be additionally useful for trustship (escrow) situation.Payment flow can be divided into two kinds by client, that is,
The step of sending the step of payment authorization is asked to acquiring firm and send clearance and settlement request to acquiring firm.It is walked in above two
Between rapid, client can monitor and confirm whether businessman fulfils particular requirement item or obligation.
Although the present invention has shown and described with reference to different embodiments, however, those skilled in the art should understand that, not
It is detached from the case of range is claimed the spirit and scope of the present invention that define according to appended invention, form, carefully can be changed
Section, structure and operation.
Claims (15)
1. the payment transaction system that a kind of client initiates, which is characterized in that
Including：
The mobile device of client；
The card of client with card information；And
Businessman with Business Information and payment information,
Above-mentioned Business Information includes payment information, and above-mentioned payment information includes merchant code and payment amount,
Above-mentioned mobile device can include by multiple step process card payment transactions, above-mentioned multiple steps：
Above-mentioned mobile device receives the step of above-mentioned Business Information and above-mentioned payment information；
For the step of being activated by the above-mentioned card payment transactions of above-mentioned card processing；
Transaction authorization request is generated using above-mentioned card information, above-mentioned Business Information and above-mentioned payment information, and is transmitted to acquiring firm
The step of above-mentioned transaction authorization request；And
The step of result that payment authorization is asked being received from above-mentioned acquiring firm.
2. the payment transaction system that client according to claim 1 initiates, which is characterized in that
Above-mentioned card is multi-function device card or the near-field communication card with near-field communication antenna, above-mentioned mobile device include near field
Communication sensor,
Above-mentioned mobile device is activated to handle card payment transactions by the near-field communication between card and mobile device, above-mentioned
Mobile device receives card information by the near-field communication between card and mobile device, from clamping.
3. the payment transaction system that client according to claim 1 initiates, which is characterized in that
The step of activating above-mentioned mobile device includes the chip serial number that card is transmitted to mobile device from card or the step of card sequence number
Suddenly,
In the chip serial number being transmitted or the card sequence number being transmitted and it is stored in the chip serial number or card sequence of mobile device
In the case that row number is consistent, above-mentioned mobile device is activated to handle card payment transactions.
4. the payment transaction system that client according to claim 1 initiates, which is characterized in that above-mentioned card information includes card
Number, before the step of mobile device is activated, above-mentioned card number is not stored in above-mentioned mobile device.
5. the payment transaction system that client according to claim 4 initiates, which is characterized in that above-mentioned multiple steps further include
Mobile device after transmitting transaction authorization request to acquiring firm the step of deleting card information.
6. the payment transaction system that client according to claim 1 initiates, which is characterized in that above-mentioned multiple steps further include
The step of mobile device generates clearance and settlement request and is transmitted to acquiring firm.
7. the payment transaction system that client according to claim 1 initiates, which is characterized in that above-mentioned mobile device passes through such as
Under type receives above-mentioned Business Information from above-mentioned businessman：
By the wireless communication from above-mentioned businessman；
By the near field communication tag or RFID tag of touching the businessman for storing above-mentioned Business Information with mobile device；
Or
By the way that above-mentioned Business Information is keyed in above-mentioned mobile device.
8. the payment transaction system that client according to claim 1 initiates, which is characterized in that
Further include the server with the database for storing Business Information,
Above-mentioned mobile device obtains the geographic position data of businessman using the global positioning system of mobile device, and to above-mentioned clothes
Business device transmits geographic position data, correspondingly, above-mentioned server search and export is corresponding with geographic position data
Business Information, and transmit above-mentioned Business Information to above-mentioned mobile device.
9. the payment transaction system that client according to claim 1 initiates, which is characterized in that above-mentioned mobile device passes through such as
Under type receives above-mentioned payment information from above-mentioned businessman：
By the wireless communication from above-mentioned businessman；
By the near field communication tag or RFID tag of touching the businessman for storing above-mentioned Business Information with mobile device；
Or
By the way that above-mentioned Business Information is keyed in above-mentioned mobile device.
10. the payment transaction system that a kind of client initiates, which is characterized in that
Including：
The mobile device of client；
The card of client has and the comprehensive relevant information of loyalty credits；And
Businessman, agreement get comprehensive loyalty credits in the method paid,
Above-mentioned businessman has Business Information and payment information,
The above-mentioned and comprehensive relevant information of loyalty credits includes voip identifiers and the synthesis loyalty credits that above-mentioned client is possessed
The amount of money,
Above-mentioned Business Information includes payment information, and above-mentioned payment information includes merchant code and payment amount,
Above-mentioned mobile device can utilize the synthesis loyalty credits of above-mentioned client to handle card payment transactions by multiple steps, on
Stating multiple steps includes：
Above-mentioned mobile device receives the step of above-mentioned Business Information and above-mentioned payment information；
For the step of being activated by the above-mentioned card payment transactions of above-mentioned card processing；
It is asked with the relevant information of comprehensive loyalty credits, above-mentioned Business Information and the generation Trading Authorization of above-mentioned payment information using above-mentioned
It asks, and the step of transmitting above-mentioned transaction authorization request with acquiring firm to comprehensive loyalty credits；And
The step of result that payment authorization is asked being received from above-mentioned acquiring firm.
11. the payment transaction system that client according to claim 10 initiates, which is characterized in that
Above-mentioned card is multi-function device card or the near-field communication card with near-field communication antenna, above-mentioned mobile device include near field
Communication sensor,
Above-mentioned mobile device is activated to handle card payment transactions by the near-field communication between card and mobile device, above-mentioned
Mobile device is received and the relevant information of comprehensive loyalty credits by the near-field communication between card and mobile device from clamping.
12. the payment transaction system that client according to claim 10 initiates, which is characterized in that be activated in mobile device
The step of before, it is above-mentioned not to be stored in above-mentioned mobile device with the comprehensive relevant information of loyalty credits.
13. the payment transaction system that client according to claim 12 initiates, which is characterized in that above-mentioned multiple steps are also wrapped
Mobile device is included the step of deleting information relevant with comprehensive loyalty credits after transmitting transaction authorization request to acquiring firm.
14. the payment transaction system that client according to claim 10 initiates, which is characterized in that above-mentioned mobile device passes through
As under type receives above-mentioned Business Information and above-mentioned payment information：
By the wireless communication from above-mentioned businessman；
By the near field communication tag or RFID tag of touching the businessman for storing above-mentioned Business Information with mobile device；
Or
By the way that above-mentioned Business Information is keyed in above-mentioned mobile device.
15. the payment transaction system that client according to claim 10 initiates, which is characterized in that above-mentioned multiple steps are also wrapped
The step of including the result that above-mentioned acquiring firm is asked to above-mentioned merchant transmission payment authorization.
Applications Claiming Priority (8)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR10-2017-0000669 | 2017-01-03 | ||
| KR20170000669 | 2017-01-03 | ||
| US15/605,808 | 2017-05-25 | ||
| US15/605,808 US20180189527A1 (en) | 2017-01-03 | 2017-05-25 | Method for activating multi-function device card |
| US15/665,333 US20190034954A1 (en) | 2017-07-31 | 2017-07-31 | System and method for integrated management of loyalty points |
| US15/665,333 | 2017-07-31 | ||
| US15/679,072 US20190034955A1 (en) | 2017-07-31 | 2017-08-16 | System and method for integrated management of loyalty points |
| US15/679,072 | 2017-08-16 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108428130A true CN108428130A (en) | 2018-08-21 |
Family
ID=63155775
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201711120588.4A Pending CN108428130A (en) | 2017-01-03 | 2017-11-14 | The payment transaction system and method initiated using the mobile device of client and the client of card |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN108428130A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110782248A (en) * | 2019-10-25 | 2020-02-11 | Oppo广东移动通信有限公司 | Payment method, payment device, mobile terminal and payment terminal |
-
2017
- 2017-11-14 CN CN201711120588.4A patent/CN108428130A/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110782248A (en) * | 2019-10-25 | 2020-02-11 | Oppo广东移动通信有限公司 | Payment method, payment device, mobile terminal and payment terminal |
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| WD01 | Invention patent application deemed withdrawn after publication |