TW201401200A - Purchasing system using a mobile communication device to perform verification and its method - Google Patents

Abstract

The present invention provides a purchasing system using a mobile communication device to perform verification and its method. The purchasing system includes a merchandise supplier computer, a management server, a mobile communication device, and at least one money flow supplier computer. The merchandise supplier computer can transmit a shopping message to the management server via a network. The management server can receive the shopping message and a shopping communication code via the network, and plural sets of user data are stored in the management server. Each set of user data includes a user communication code and a user transmission code. When the shopping transmission code is the same as each user transmission code, a payment message can be generated in the management server for being transmitted to the mobile communication device. The mobile communication device is built with a transaction program for receiving the payment message via the transaction program and the network, and for transmitting a deduction message to the money flow supplier computer, so as to allow the money flow supplier computer to accordingly execute a checkout procedure. As a result, because the purchasing system can perform verification of the purchasing message and payment via the management server and the transaction program, it is able to effectively reducing the hassles in computer management for the shop owner of the merchandise supplier computer.

Description

Shopping system and method for verifying using mobile communication device

The present invention relates to a shopping system and method for verifying by using a mobile communication device, and more particularly to a shopping system for confirming a shopping message through a management server, the shopping system enabling the management server to confirm with a consumer through a transaction program Shopping messages and making payments allow merchants to have a simple online environment that provides consumers with a convenient shopping process.

According to the development of communication technology and the rapid development of the Internet, the use of television or online shopping has become a very common business practice in modern society, and the number and scale of online shopping websites have also increased year by year. According to the statistics of the Industrial Intelligence Research Institute, the market size of online shopping in Taiwan in 2006 was about NT$134.1 billion. In 2010, it climbed to NT$599.7 billion. It is estimated that it will exceed RMB500 billion in 2013 and more than 20% per year. The high growth rate illustrates the extremely exciting potential business opportunities in the online shopping market.

Generally speaking, the reason why consumers use the Internet for shopping is mainly because of the time-saving and labor-saving features of online shopping. Compared with traditional physical storefront shopping, online shopping not only does not have restrictions on business hours, and consumers do not have to worry about traffic (such as: the address of the store is too far) or the delivery of goods (the purchase of goods is too large), so they can provide consumption. The most free shopping flexibility. At present, most of the payment methods for online shopping are credit card and automated teller machine (automated teller machine). Referred to as ATM) transfer or cash on delivery, of which, although the cash on delivery method is convenient, there are still the disadvantages of no one at home, only cash checkout, and the business must cooperate with the special freight company to provide goods. As for the payment method, it is still not popular enough, and the remaining payment methods have many inconveniences in use, which are detailed as follows:

(1) Confirmation of payment to the merchant: If the consumer chooses ATM transfer, the consumer must transfer to the ATM provided by the major banks or convenience stores, so it is not convenient for consumers in more remote areas. In addition, after the consumer completes the transfer by ATM transfer, it is necessary to inform the merchant of relevant information (such as the last five digits of the account number, the transfer time, the amount), so that the merchant can confirm, which is not convenient for the consumer.

(2) Concerns about security: If the consumer chooses to make payment directly on the Internet by credit card, the consumer must first log in to the member account of the shopping website, and then enter the credit card number and the receiving address after the selected product is finished. Because shopping website management is not easy, it is not safe to use multiple shopping websites because of their negligence or hacking attacks, resulting in theft of the member account of the consumer.

(3) Need to use a fax machine: In fact, some shopping websites (or TV shopping channels) require consumers to fax information such as credit card numbers for checkout, and since not all consumers have fax machines, many consumers In particular, it is necessary to go to a convenience store for faxing. As a result, not only is the fax procedure troublesome, but the consumer must also spend more time, so it is still not convenient enough to use.

(4) Payment process is different: Most merchants will provide different payment methods (such as credit card, stored value points, etc.) for consumers to choose, and for different payment methods, the checkout process is also Not the same, so consumers can easily generate many unnecessary problems or disputes because they are not familiar with the checkout process of certain payment methods, resulting in payment failure or long operation time.

As can be seen from the above, the most important reason for affecting the shopping method is the convenience and security of payment. ATM transfer and fax are more secure, but they require more time and formalities, and payment by credit card on the Internet. Although it is convenient, there is a risk of being stolen by hackers. In addition, the difference in the operation process between different payment methods will also affect the convenience of consumers when shopping. Therefore, how to improve the traditional shopping methods and make consumers Not only can the shopping consumption be simpler, but there is no need to worry about the risk of leakage of personal data, which is an important problem that the present invention is intended to solve.

In view of the fact that the conventional shopping method is not only cumbersome, but also easy to have the problem of leakage of consumer data, the inventor has, after many years of practical experience, finally designed a mobile communication device according to the present invention. The verification of the shopping system and its methods can solve many problems and inconveniences of the conventional shopping method.

An object of the present invention is to provide a shopping system and method for verifying using a mobile communication device, the shopping system comprising a commodity supplier computer, a management server, at least one gold stream provider computer, and a mobile communication device. The product provider computer (eg, online shopping website) can receive a shopping message (including: product name, quantity, etc.) and transmit the shopping message to the management server via a network; The management server can receive the shopping message and a shopping communication code (such as a mobile phone number of the consumer) through the network, and has a data unit therein for storing the complex array of user data, each of the user data. Each includes a user communication code (eg, a mobile phone number) and a user transmission code (eg, a mobile phone identification code, a communication card number), and each of the user communication codes corresponds to each of the user transmission codes to be in the management servo. The device determines that the received shopping communication code is the same as each of the user communication codes, and the management server can generate a payment message and transmit the payment message to the mobile communication via the network according to the corresponding user transmission code. The mobile communication device is provided with a storage unit for storing a transaction program (such as a mobile application APP), and the mobile communication device can receive the payment message sent by the management server through the transaction program, and Sending a debit message to the cash flow provider computer; the gold stream provider computer (eg, major bank computer, carrier computer) can receive the button through the network a message and perform a checkout process based on the chargeback message. In this way, after the cash flow provider computer completes the checkout process, the cash flow provider computer can return a checkout message to the management server to notify the commodity supplier of the computer by the management server. Merchants ship. Since the shopping system uses the management program on the management server and the mobile communication device to verify the shopping message to the consumer and notify the cash flow provider computer to perform checkout, the burden on the computer management can be effectively reduced. Improve the convenience of consumers when shopping.

In order that the review committee can have a further understanding and understanding of the technical process of the present invention and its purpose, the embodiment is described in conjunction with the drawings, and the details are as follows:

The invention relates to a shopping system and a method for verifying by using a mobile communication device The first preferred embodiment of the present invention is shown in FIG. 1. The shopping system 1 includes a merchandise provider computer 11, a management server 12, a mobile communication device 13, and at least one gold stream supply. The business computer 14, and the commodity supplier computer 11, the management server 12, the mobile communication device 13, and the gold flow provider computer 14 can be respectively connected to a network 10 for data transmission, wherein the commodity supplier computer The merchant of 11 can receive one of the consumer input (such as the number of purchases, the amount) and a shopping communication code (such as a mobile phone number) by telephone, internet or fax, or directly input the shopping message by the merchant. In the merchandise provider computer 11, that is, the shopping system 1 can be applied to a virtual store to provide consumer merchandise information via a television shopping channel, an online shopping website or a mobile phone newsletter or advertisement, and for the consumer to be The road 10 inputs the shopping message; or the shopping system 1 can also be a physical storefront, so that when the consumer performs checkout, the merchant can directly send the shopping message to the merchandise supply through the cash register. Computer 11.

Referring to Figures 1 and 2, after the product supplier computer 11 receives the shopping message (for example, the consumer clicks on the product purchased on the shopping website set up by the product supplier computer 11), the product supplier computer 11 The shopping message and the shopping communication code can be transmitted to the management server 12 through the network 10; the management server 12 is provided with a data unit 120 for storing the complex array of user data D, each of the user data. D includes a user communication code D1 (such as a mobile phone number) and a user transmission code D2 (such as a mobile phone identification code or a communication card number). When the management server 12 receives the shopping message, the management server The device 12 can first determine whether the shopping communication code is the same as each of the user communication codes D1. If yes, on behalf of the consumer has been for this management The user of the server, the management server 12 will generate a payment message based on the shopping message, and transmit the payment message to the mobile communication device 13 via the network 10.

The mobile communication device 13 corresponds to each of the user communication codes D1, so that after inputting the shopping message, the consumer can receive the payment message sent by the management server 12 through the mobile communication device 13, and The mobile communication device 13 is provided with a storage unit 131 for storing a transaction program 131a (eg, a mobile application APP), and the mobile communication device 13 transmits the transaction program. 131a and the management server 12 perform data transmission, and after receiving the payment message, the mobile communication device 13 can generate a payment message, so that the mobile communication device 13 can transmit the payment message according to the transaction program 131a. To the Golden Stream supplier computer 14.

Referring to Figures 1 and 2, the cash flow provider computer 14 can receive the debit message from the mobile communication device 13 via the network, and execute a checkout procedure (eg, The purchase amount is added to the credit card bill or communication bill. Thus, after the cash flow provider computer 14 completes the checkout process, the cash flow provider computer 14 can return a checkout message to the management server 12 to notify the product by the management server 12. The merchant computer 11 is shipped by the merchant. Since the shopping system 1 confirms the shopping message to the consumer through the transaction program 131a on the management server 12 and the mobile communication device 13, and notifies the cash flow provider computer 14 to perform checkout, the merchant does not need to have a rich network. Knowledge, and no need to spend a lot of effort to negotiate with the provider of the financial network provider computer 14, only need to entrust the management server 12 to manage the paid service, which can provide consumers with online shopping services, effectively reducing the business The burden of home management.

In addition, in other preferred embodiments of the present invention, the number of the gold stream provider computers 14 may be plural, such that the shopping system 1 can simultaneously integrate a plurality of gold stream provider computers 14 and enable consumers. Through the transaction program 131a, a payment pipeline provided by a vendor of a different gold stream provider computer 14 can be selected for checkout, since the shopping system 1 can supply a plurality of gold streams through the management server 12 and the transaction program 131a. The payment pipeline provided by the merchant computer 14 is integrated into the same payment process. Therefore, when the consumer is shopping, the checkout can be easily completed with the guidance of the transaction program 131a, thereby greatly improving the convenience of the shopping system 1 in use. And ease of use.

Referring to FIG. 1 , in the foregoing embodiment, the shopping communication code is transmitted to the management server 12 by the product provider computer 11 , but the manner of obtaining the shopping communication code is not limited thereto. In other preferred embodiments of the present invention, the shopping system 1 further includes a terminal device 15 (eg, a personal computer), and the management server 12 can receive the consumer message after confirming receipt of the shopping message. The shopping communication code input by the terminal device 15 (for example, after the consumer finishes shopping on the online shopping website set up by the product supplier computer 11 , the online shopping website can automatically jump to the web server to another one of the management server 12 The website page is for the user to directly enter the shopping communication code on the network 10).

In addition, in the first preferred embodiment of the present invention, each of the user communication code D1 and the user transmission code D2 are recorded when the consumer first logs in to the management server 12. (Users can log in via the Internet or use the transaction program 131a to enter via the mobile communication device), and consumers can still Entering a user identification code D3 into each of the user data D, the user identification code D3 may be a string of passwords or a facial recognition feature code of the consumer; after the mobile communication device 13 receives the payment message, the transaction program The 131a can obtain a shopping verification code through an input unit 312 (such as a keyboard) or an imaging unit 313 (such as a photographic lens) on the mobile communication device 13, and transmit the shopping verification code to the management server 12 After the management server 12 determines that the shopping verification code is the same as the user identification code D3, the management server 12 can transmit a confirmation message to the mobile communication device 13, so that the mobile communication device 13 can generate a payment message according to the payment message. The chargeback message. In this way, the identity of the consumer can be further confirmed by the aforementioned verification method, and the problem that the consumer is stolen by others due to the loss of the mobile communication device is avoided.

In particular, as shown in FIGS. 1 and 2, in the present embodiment, each of the user communication codes D1 corresponds to each of the user transmission codes D2 in a one-to-one manner, but In other preferred embodiments of the present invention, the user data D is also available for the consumer to store the complex array user transmission code D2 (eg, the consumer has multiple mobile phones), so that the user communication code D1 and the complex array user The transmission code D2 corresponds to, and the management server 12 can be used by the consumer to set a set of user transmission code D2 to the current use state (eg, the mobile phone currently used by the consumer), so if the consumer has multiple mobile communication Device 13, the management server 12 can still correctly transmit the message to the consumer. In addition, in the foregoing embodiment, the mobile communication device 13 can generate the user identification code D3 through the input unit 312 or the camera unit 313. However, the verification method is not limited to a single mode, and the shopping system 1 is also limited. It can be set that the consumer must pass the multi-layer verification through the mobile communication device 13 (for example, using the input form first) After the element 312 performs verification of the password and then uses the camera unit 313 to perform verification of the facial feature code, the mobile communication device 13 starts to generate the deduction message. Since the multi-layer verification method is the same as the verification method described above, No longer.

In addition, as shown in FIG. 1, if the management server 12 determines that the shopping communication code transmitted from the product supplier computer 11 is different from the user communication code D1, the representative consumer has not yet become the management servo. The user of the device 12, before the management server 12 transmits the payment message, the management server 12 can first transmit an installation message to the mobile communication device 13 according to the shopping communication code, and the installation message can directly The installation file of the transaction program 131a, or the installation file download point of the transaction program 131a in different system specifications (eg, Android system, iOS system, etc.), enables the consumer to install according to the model of the mobile communication device 13, thus, After the mobile communication device 13 installs the transaction program, the mobile communication device 13 can receive the payment message through the transaction program 131a, and conveniently select the transaction flow through the transaction interface provided by the transaction program 131a. The supplier computer 14 performs checkout.

Referring to Figures 1 and 2, the shopping system 1 of the present invention has three advantages in comparison with the conventional shopping method, and is described in detail as follows:

(1) Merchant management convenience: the shopping system 1 of the present invention confirms the shopping message with the consumer through the management server 12, and therefore, the merchant of the product supplier computer 11 only needs to have a basic network environment, and By entrusting the management server 12 to manage the paid service, the consumer can provide online shopping, so that the merchant does not need to have rich network knowledge and manage computer experience, thereby greatly reducing the burden on the merchant.

(2) Integrating multiple payment methods: Since the shopping system 1 can use the management server 12 and the transaction program 131a, the consumer can select the payment pipeline provided by the operator of the gold flow provider computer 14 to perform checkout, that is, The transaction program 131a can integrate different gold stream provider computers 14 or different systems on the mobile communication device 13 into the same payment process, thereby effectively improving the convenience and ease of use of the shopping system 1. In addition, as mentioned above, the merchant does not need to negotiate with each other for each of the gold stream provider computers 14 and only needs to entrust the management server 12 to manage the products, thereby providing consumers with multiple payment pipes, thereby simplifying the merchants. The trouble in maintenance.

(3) High shopping security: the shopping system 1 can use the input unit 312 or the camera unit 313 on the mobile communication device 13 to obtain the shopping identification code, thereby effectively preventing the consumer from losing the mobile communication device 13, The problem of malicious misappropriation of shopping by others makes consumers not only more secure in use, but also the entire verification process is simple and rapid, and will not cause inconvenience to consumers.

(4) Consumer convenience: After the consumer first selects the payment provider computer 14 through the mobile communication device 13 for payment, the transaction program 131a can automatically encrypt and record relevant information in the debit message (eg: Consumer accounts, etc.) to save consumers the time of input when they are used again in the future.

Referring to Figures 1 and 2, in order to more clearly illustrate the operation mode of the shopping system of the present invention, the actual operation flow of the shopping system will be described one by one by taking the drawings 3A and 3B as follows: (301) The product supplier computer 11 receives the shopping message, and the shopping message can be cancelled The fee is input via the network 10, or may be input by the merchant by fax or telephone, and then input by the merchant; (302) the product provider computer 11 transmits the shopping message to the management server through the network 10. 12: (303) the management server 12 receives the shopping message through the network 10; (304) the management server 12 determines whether the shopping communication code is the same as each of the user communication codes D1. If yes, proceed to step (306), otherwise, proceed to step (305); (305) the management server 12 transmits an installation message to the mobile communication device 13, so that the mobile communication device 13 can install the transaction program 131a; (306) the management server 12 generates a payment message; (307) the mobile communication device 13 receives the payment message through the transaction program 131a and the network 10; (308) the mobile communication device 13 generates a shopping identification code. And transmitting to the management server 12; (309) the management server 12 determines whether the shopping identification code is the same as the corresponding user identification code D3? If yes, proceed to step (310), otherwise, proceed to step (308); (310) the management server 12 transmits a confirmation message to the mobile communication device 13; (311) the mobile communication device 13 receives the confirmation message Then, through the transaction program 131a, a debit message is generated; (312) the mobile communication device 13 transmits the transaction program 131a and the network 10 through the transaction program 131a The debit message is transmitted to the vending provider computer 14; and (313) the vending provider computer 14 performs a checkout process in the corresponding account based on the debit message.

Moreover, in the flowchart of FIG. 3B, the mobile communication device 13 generates the debit message when the management server 12 determines that the shopping identification code is the same as the user identification code D3. In other preferred embodiments of the present invention, the mobile communication device 13 can also generate the debit message directly through the transaction program 131a after receiving the payment message, that is, in the foregoing steps (308)-(310). The mobile communication device 13 is not necessary for the verification operation of the management server 12, and the operator can also set the identification operation to the product supplier computer 11 so that the consumer can complete the identity recognition operation before initially inputting the shopping message. Thus, the same effects as the foregoing embodiments can be achieved.

The above description is only a few preferred embodiments of the present invention, but the technical features of the present invention are not limited thereto, and those skilled in the relevant art can easily think after considering the technical content of the present invention. And equivalent changes should not depart from the scope of protection of the present invention.

1‧‧‧ shopping system

10‧‧‧Network

11‧‧‧Commodity supplier computer

12‧‧‧Management Server

120‧‧‧data unit

13‧‧‧Mobile communication device

131‧‧‧ storage unit

131a‧‧ trading program

312‧‧‧ Input unit

313‧‧‧ camera unit

14‧‧‧Goldstream Supplier Computer

15‧‧‧ Terminal devices

D‧‧‧ User Profile

D1‧‧‧User Communication Code

D2‧‧‧User Transfer Code

D3‧‧‧User ID

1 is a schematic view of a first preferred embodiment of the shopping system of the present invention; FIG. 2 is a schematic diagram of user data in the shopping system of the present invention; and FIG. 3A is a first preferred embodiment of the shopping method of the present invention; A flow chart of an example; and FIG. 3B is a flow chart of a first preferred embodiment of the shopping method of the present invention.

1‧‧‧ shopping system

10‧‧‧Network

11‧‧‧Commodity supplier computer

12‧‧‧Management Server

120‧‧‧data unit

13‧‧‧Mobile communication device

131‧‧‧ storage unit

131a‧‧ trading program

312‧‧‧ Input unit

313‧‧‧ camera unit

14‧‧‧Goldstream Supplier Computer

15‧‧‧ Terminal devices

D‧‧‧ User Profile

Claims (9)

A shopping system for verifying by using a mobile communication device, comprising: a commodity supplier computer connected to a network, the commodity supplier computer can receive a shopping message; and a management server having a data unit for storing a plurality of user data, each of the user data includes a user communication code and a user transmission code, and each of the user communication codes respectively corresponds to each of the user transmission codes, and the management server transmits the product through the network The supplier computer is connected and can receive a shopping communication code through the network, and transmits the shopping message to the management server at the product provider computer, and the management server determines the shopping communication code and each user The communication server can generate a payment message according to the communication code; a mobile communication device corresponds to each of the user communication codes, and the mobile communication device is provided with a storage unit for storing a transaction program. Sending, by the management server, the payment message to the mobile communication device via the network according to the corresponding user transmission code The mobile communication device can generate a debit message through the transaction program; and at least one payment provider computer can receive the debit message from the mobile communication device through the network and execute it accordingly. A checkout procedure. The shopping system of claim 1, wherein each user profile further includes a user identification code, and after receiving the payment message, the mobile communication device can generate a shopping identification code and pass through the network. Transmitting the shopping identification code to the management server, and the management server confirms the shopping identification code and each user After the identification code is the same, and the management server transmits a confirmation message to the mobile communication device, the mobile communication device starts to generate the deduction message via the transaction program. The shopping system of claim 2, wherein the mobile communication device is further provided with an input unit for obtaining the shopping identification code through the input unit. The shopping system of claim 2, wherein the mobile communication device further includes an imaging unit configured to obtain the shopping identification code through the camera unit. The shopping system of claim 3 or 4, wherein the merchandise provider computer system can transmit the shopping communication code to the management server through the network. The shopping system of claim 3 or 4, wherein the shopping system further comprises a terminal device, and the terminal device is capable of transmitting the shopping communication code to the management server through the network. A shopping method for verifying by using a mobile communication device is applied to a shopping system, which includes a commodity supplier computer, a management server, a mobile communication device, and at least one gold stream provider computer, the commodity supply The business computer, the management server, the mobile communication device and the golden stream provider computer system can respectively be connected to a network, and the management server is provided with a data unit for storing the complex array of user data, each of the user data includes one a user communication code and a user transmission code; the shopping method includes the following steps: the product provider computer receives a shopping message, and transmits the shopping message to the management server through the network; the management server receives the shopping message And a shopping communication code, and when it is determined that the shopping communication code is the same as each of the user communication codes, generating a payment message The management server transmits the payment message to the mobile communication device via the network according to the corresponding user transmission code; the mobile communication device receives the payment message sent by the management server, and then passes through a transaction program. A chargeback message is generated and transmitted to the cash flow provider computer via the network; and the cash flow provider computer receives the chargeback message and executes a checkout procedure accordingly. The shopping method of claim 7, wherein each of the user profiles further includes a user identification code, and after receiving the payment message, the mobile communication device can generate a shopping identification code and pass through the network. Transmitting the shopping identification code to the management server, the management server confirming that the shopping identification code is the same as each of the user identification codes, and the management server transmits a confirmation message to the mobile communication device, the mobile communication The device begins to generate the debit message via the transaction program. The shopping method of claim 8, wherein the management server can transmit an installation message to the mobile communication device first, if the management server determines that the shopping communication code is different from the user communication code. The mobile communication device stores the transaction program according to the installation message, and the management server transmits the payment message to the mobile communication device.