TW201239797A - Method of using barcodes to implement mobile device payment - Google Patents

Abstract

The invention relates to a method of using barcodes to implement mobile device payment and, more particularly, a payment method that uses a mobile device to display the barcodes. In order to prevent users from receiving counterfeit barcodes, a safety verification mechanism is thus provided for verifying the payment information sent from a payment information transmitting end, so as to assure the correctness, integrity and non-repudiation of the payment information. An application service method is employed to configure the items required by the service and the passwords for opening files. A generating and sending payment information method is responsible for encrypting the payment information, and then the encrypted payment information is sent to a payment information receiving end. Furthermore, a payment information content verification method is provided, in which the payment information receiving end analyzes the received payment information content and finally a payment procedure operation is executed, so as to achieve a payment method capable of assuring that the payment information content is free from counterfeit and cannot be repudiated.

Description

201239797 VI. Description of the Invention: [Technical Field of the Invention] The present invention relates to a method for implementing mobile device payment by barcode, in particular, a payment device for displaying a barcode using a mobile device, and providing a payment information receiver - A method of authenticating the source of the barcode. [Prior Art] The current electronic bills are carried by e-mail, and the billing (for example, PDF broadcast) is carried on the e-mail and then transmitted to the user. when

After the user receives the e-bill, if they want to use the e-bill to pay the I fee, then the e-cut must be printed and then paid to the payment counter. Although the shipping cost is saved, but only The cost is passed on to the user's. It is still inconvenient for the user to print the bill by himself. The previous Republic of China invention patent No. 34574 "Electronic ticketing department, 'charge" method" proposed to replace the traditional paper ticket with an electronic ticket as the basis for the pass authentication, which is purchased through the user's ticket purchase device. After the ticket, the electronic ticket service center will transmit the electronic s #, π volume information to the mobile device, and then convert the digital number symbol into a barcode. The 彡 显 显 显 , , , , , , , , , , , , , , , 验 验 验 验 验 验In addition, Patent No. 201 023068 ""如 』 ^ 仃 缴 payment system and method" has a similar concept, but its patent HT focuses on adjusting the resolution of bar code pictures to respond to different sizes of mobile screens. There are people in the community who are aware of fraudulent groups and use the mobile farmer newsletter to swindle people. They receive unsolicited newsletters. 201239797 Or falsify specific units to send false news to deceive the public and cause public losses. The above two patents do not explain how to identify the authenticity of the source of the message. In addition, the above two patents do not mention the female mechanism for providing verification of the message, and do not state how the user and the receiving merchant can verify the electronic. The correctness, completeness and non-repudiation of the message ensure the correctness, completeness and non-repudiation of the electronic bill payment process to protect the rights of users and collection stores. It can be seen that the above-mentioned conventional techniques still have shortcomings and need to be improved. In view of the shortcomings derived from the above-mentioned conventional technologies, the inventors of the present invention have improved and innovated, and after years of painstaking research, they finally succeeded in researching and developing the method for realizing the payment of mobile devices by barcode. SUMMARY OF THE INVENTION The object of the present invention is to provide a secure authentication mechanism to ensure the correctness, integrity and non-repudiation of payment information, and to prevent consumers from receiving forged payment information. The receiving store can also confirm the payment resource. . A second object of the present invention is to provide a method for implementing mobile device payment by barcode to transmit verifiable payment information to a mobile device, thereby immediately verifying and performing a payment action without printing an electronic bill of paper. You can pay by single. It is possible to realize the action of the above-mentioned invention by barcode. 4 201239797 • The method is mainly based on the application of the service method to the service provider. The required applicant and J, Beijingwen open the weight; one generates and sends the payment information ^ the corner to deal with the information to perform the secret action 'and then send it by SMS or email; — payment information content method, Cangyin Ren 4 test 5 boarding staff parsing the payment information content received. - line payment program action; and - trading program action. The bar code of the billing information is generated by the service and accounting system. The process will encrypt the message containing the payment information, and the password will be opened and sent to the action by SMS or email. In the process of opening the user, the user must enter the document to open the password for verification. After the verification is correct, the document will be displayed. The payment information is displayed on the camp screen and read by the barcode reader of the payment merchant. The barcode image file in the payment information is used as the basis for payment. After the payment action is completed, the payment receipt is printed and printed as a payment certificate. The contents of the payment information package include at least one piece of code map building, a payment item, a payment amount, a payment period, and a decryption identification code. [Embodiment] As shown in the figure, the application scenario of the present invention is that after the user applies for the service, the service and accounting system periodically encrypts the payment information and sends it to the mobile phone in the process of opening the payment information, and turns the document into the password. After verifying the verification, the document is decrypted and the payment information 201239797 is displayed on the screen. 'The barcode reader in the document is read by the barcode reader of the payment merchant to pay the fee, and then the payment receipt is printed. The user acts as a payment voucher and completes the payment action. As shown in Figure 2, the application procedure of the service application described in Figure 1 includes: Applying for service 210, the user can apply for service through voice, network cabinet, and cabinet, and provide encryption key, applicant personal information, and The group document opens the password and payment information transmission method; generates and sends the payment information 220, the service and accounting system generates the payment information document, encrypts it with the encryption key, and then adds the document opening password 'last to the newsletter or electronic The mail % Ding Chong method develops the payment information to the user's mobile device; 230, the user inputs the document opening password, and the mobile device held by the user interprets and verifies the payment information content, then performs the document decryption action and displays the payment information; Payment program 240, after successful green Bα take action and display the document of payment information, the payee can use the check brick & m > material to take 15 to verify the payment information content 2 3 The payment information barcode diagram; ^u π % ^ . Reimbursement for the payment action, and; to carry out the transaction process 250, the receiving party pass the 疋 疋 疋 帐 矾 矾 矾 矾 矾 矾 服务 服务 服务 服务 服务 服务 服务 服务 服务 服务 服务 服务 服务 服务 服务 服务 服务 服务 服务 服务 服务 服务 服务 服务 服务 服务 服务 服务The result of the account is sent to the payee - the singer Khan is 7^ into the entire trading program. As shown in Figure 2, the procedure of Shenkuo Mingming Service 210 includes: 201239797 Verification of identity 2 η, the user provides application materials for service and accounting system for identity verification, and the verification data item may include: identity card number, Date of birth, billing address, household registration address, etc.; Provide encryption key 212, install - software X in the mobile device held by the service applicant, submit the user identity model to the service and accounting system by the software International Mobile Subscriber Identity (Internati〇nal M〇bUe) in the group (SUbSeriber IdentityM〇dule, sim)

Subscriber

Identity, IMSI); sigh and open password submission - document open password, a document decryption identification code, payment information transmission method and mobile device information to receive payment information, the purpose of the document opening password is to send payment information to the user After the mobile device, if you want to open this payment information, you must ask for the password to open the password. The document that meets the payment information can be opened with the consent of the service provider. The decryption identification code is when the document is decrypted. The decryption used to check whether the document is correct or not 'prevents the event from being sent abnormally (for example, file corruption, file disorder, etc.), and the service applicant also - and specifies the payment information delivery method 'for example, SMS, email 簟€ Mobile device information that receives payment information, such as phone number, email address, etc., and when the payment event occurs to the service applicant's application 214, after the application service is successful, the service and accounting system Will actively send mobile devices held by payment information. 201239797 The process steps of generating and transmitting payment information 220 as shown in FIG. 4' FIG. 2 include: generating payment information 22 1 'The information of the payment information includes barcode image file, payment item, payment amount, payment period, decryption identification code; The encryption key 222, the service and accounting system reads the payment information corresponding to the key assigned by the receiving object, that is, obtains the key described in the encryption key 212; performs an encryption operation 223, and provides the encryption key 212. The software X described in the software uses the gold 35 obtained by the encryption 35522 to encrypt the document of the # information; the document opening password 224 is added for the user to input the payment information, which prevents others from being stolen after the SIM card is stolen. The payment information is opened; and the payment information 225 is sent. The service and accounting system transmits the payment information to the service applicant according to the setting document opening password 213 according to the payment information transmission method specified by the service applicant in the setting document opening password 213. Mobile device receiver. As shown in FIG. 5 and FIG. 2, the step of verifying the payment information content 23 includes: inputting the document opening password 23, providing the software X according to the encryption key 212, and requesting the input; The requester opens the password to the document submitted by the service and accounting system; 8 201239797 •; Verify that the document opening password is correct 232, by the gentleman 6 eight _: : Tian Hao for the encryption key _ 212 described in the software X Verify the password entered in the input document open password 23丨. If the verification error is displayed, the display fails to be opened. Re-request to input the correct document to open the password again. If the verification is successful, the input is correct. Then the document decryption action 233 is continued; The decryption action 233 reads the international mobile subscriber identity (International Mobile Subscriber Identity) in the Subscriber Identity Module (SIM) installed on the mobile device by the software X provided in the encryption key 212. , IMSI), that is, to obtain the key described in the encryption key 21 2, and to decrypt the specified payment 'be sfl document The decryption identification code field in the comparison document > does not match the document decryption identification code submitted in the setting document open password 2 1 3 'If it matches, the successful completion of the decryption, then successfully open the document 234 And successfully open the document 2 3 4 'Show payment information' content includes at least one code map, one payment item, one payment amount, one payment period and one decryption identification code. The method for realizing the payment of the mobile device by the barcode provided by the invention has the following advantages when compared with other conventional technologies: 1) Providing an anti-counterfeiting mechanism to prevent the user from receiving the counterfeit bill and reducing the occurrence of the fraud event; Provide a method for verifying payment information at the receiving end of the payment information, 9 201239797 source, content integrity and non-repudiation, to ensure the correctness, completeness and non-repudiation of the payment; and 'Beixun 3. Payment information can be Transfer directly to the handheld mobile device, pay the payment immediately after verifying the payment information, eliminating the need to print and immediately move the general electronic bill or carry the paper bill.乍, compared with the International Mobile Subscriber Identity (IMSI), the payment flight activation password and the document decryption identification code, three documents are added? Paying * people poor news inside the valley and sending the source name sunset cabin # | ^ tooth person ^ the difficulty of the source of the source, it is also wrong to achieve the information accuracy, integrity and non-repudiation. The detailed description of the present invention is intended to be illustrative of the invention, and is not intended to limit the scope of the invention. In the scope of patents. In summary, this case is not only innovative in terms of technical thinking, but also able to enhance the above-mentioned multiple functions compared with conventional articles. It should be in full compliance with the novelty and progressiveness of the law; t invention patent requirements, properly filed in accordance with the law, 恳胄You have approved this invention patent application, in order to invent invention, to the sense of virtue. BRIEF DESCRIPTION OF THE DRAWINGS The technical contents of the present invention and the effects of the objects of the present invention will be further understood by referring to the detailed description of the present invention and the accompanying drawings. FIG. A flow chart of a method for a user to pay for a mobile device; 10 201239797 _ : FIG. 2 is a generation of a method for implementing mobile device payment by barcode: FIG. 3; FIG. 3 is an application of a method for realizing mobile device payment by barcode FIG. 4 is a flow chart showing the steps of generating a method for payment of a mobile device by bar code and transmitting payment information; and FIG. 5 is a step of verifying payment information content of a method for implementing mobile device payment by barcode. Program diagram. [Main component symbol description] 2 1 0 application service 220 generates and sends payment information 230 verifies payment information content 240 performs payment procedure 250 performs transaction procedure 2 11 verifies identity 212 provides encryption key 2 1 3 sets document open password 2 1 4 complete The application 221 generates the payment information 222 to obtain the encryption key 2 2 3 to perform the encryption operation 224 to increase the document opening password 201239797 225 to send the payment information 231 to enter the document to open the password 232 to verify whether the document is opened correctly 233 to perform the document decryption action 234 successfully open the document 12

Claims (1)

201239797: VII. Patent application scope: ;1 · A method for implementing mobile device payment by barcode. The step procedure includes: an application service; a generation and sending payment information; a verification payment information content; a payment process; Conduct the trading process. 2. The method for realizing mobile device payment by bar code as described in the first paragraph of the patent application, wherein the payment information has the following information items: a code map file; a payment item; a payment amount; a payment term; and a decryption identification code. 3. The method for paying for a mobile device by bar code as described in the first paragraph of the patent application, wherein the procedure for applying for the service is as follows: one verifies the identity; one provides the encrypted record; one sets the document to open the password; and one completes the application. 4. As described in the first paragraph of the patent application, the mobile device is implemented as a bar code. The method of claim 5, wherein the procedure for generating and sending the payment information is as follows: generating payment information; obtaining the encrypted gold record; Perform encryption actions; add document open passwords; and send payment information. Please implement the mobile device payment method by bar code as described in the first item of the patent scope. The procedure for verifying the payment information content is as follows: input the document opening password; verify whether the document opening password is correct; perform document decryption action; and successfully open the document. 14