TW201528176A - Value-added application program integration system for use with mobile payment and operation method thereof - Google Patents

Abstract

Disclosed are a value-added application program integration system for use with mobile payment and an operation method thereof, comprising: a user executing a mobile payment application program in a user device. The application program displays personal information contained in a payment device to allow the user to select desired data of the personal information. Then, the user conducts identify verification through the payment device, proceeds with a transaction payment through detection of a sale point device, collects electronic receipts that are generated by the transaction payment according to the natural person certificate, or inquires or uses, through the user device, discount information or consumption data relating to personal settings. Through the mobile payment technique and other value added services according to the present invention, a user may execute applications, such as mobile payment, identity verification, membership integration, network consumption, and discount inquiry by using the personal information contained in the payment device and thus, a convenient consumption mechanism is provided.

Description

Value-added application integration system for mobile payment and its operation method

The present invention relates to a technique for mobile value-added services, and more particularly to a value-added application integration system for mobile payment and a method of operating the same.

In the past, in the daily life of most people, there will be multiple credit cards, charge cards or membership cards for various needs, plus a leisure card for one person, and a personal certificate for applying for a number of government services. It is always full. In this case, it is not immediately known before consumption and consumption that which card can be used to enjoy the maximum discount, and the invoices and accounts after the purchase are not easy to organize, and it is easy to cause overdraft and invoices. And inconvenience.

In view of the aforementioned inconvenience, there are many techniques for digitizing such information, thereby reducing the inconvenience and difficulty of collation caused by cards and papers, for example, applications that have been matured by mobile devices, and the transaction process may include Identity verification and payment, but the current mobile payment information is embedded, that is, stored on mobile devices, and only a few mobile devices supporting NFC technology can be used, which also causes many difficulties and limitations in use. In terms of the need to support NFC technology, it limits the types of mobile phones that can be used. Furthermore, the specifications for NFC technology applications have not been unified, which may result in limited value-added applications to promote more yuan. In addition, due to mobile payment Information can only be stored in the secure element of the payment device, such as SIM In the card, the SIM card needs to be replaced when the mobile phone number of the mobile phone number is transferred. If the mobile payment information is carried on the Micro SD card, it not only occupies the space of the mobile phone slot, but the mobile phone without the Micro SD slot is completely impossible. application. If you replace the Micro SD card in the future, you will need to re-download the mobile payment information. The most important thing is that if the mobile device is lost, it will be easily stolen.

Therefore, under the steady growth of mobile payment, how to provide a more convenient and convenient mobile payment mechanism, in particular, to integrate a variety of different types of personal information, such as credit cards, membership cards, transportation tickets, natural person certificates, etc., so that users can In the case of different usage scenarios, the payment information can be quickly obtained without cumbersome switching procedures, which is the problem to be solved in this case.

In view of the above disadvantages of the prior art, the object of the present invention is to provide a mechanism for integrating multiple mobile payment and other related card applications in a single mobile device, thereby providing users with more convenient implementation of mobile payment under different mobile payment applications. And its additional features.

To achieve the foregoing and other objects, the present invention provides a value-added application integration system for mobile payment and other related card applications, including: a user device, a mobile payment application, and a storage device connected thereto. A payment device for personal information and a value-added platform connected to the user device. The mobile payment application is installed in the user equipment, and the value-added platform includes: a database, an analysis module, and an integration module, wherein the database is used for storing the user's personal settings and data backup, and the plurality of sales providers provide a kind of preferential information and/or consumption data, and the analysis module analyzes the personal setting to obtain corresponding preferential information or consumption data, consumption preferences, so that the various preferential information or the consumption capital is used by the integration module. Integrating with the personal information of the user, in the above environment, when the user executes the mobile payment application in the user device, the mobile payment application displays the personal information in the payment device, and provides the user Selecting the personal information required to perform identity verification through the payment device, to perform transaction payment with the sales point device in the sales merchant, to accumulate points according to the member data, and to return the electronic invoice generated by the transaction payment according to the natural person certificate. The user or the user is provided with various preferential information and/or consumption materials related to the personal setting.

The above personal information includes at least one type of information such as one or more credit card information, stored value card information, membership card information, leisure card information, other regional transportation tickets or natural person electronic certificates.

In one embodiment, the integration module integrates the offer information with the personal information to provide the user's locality service through the mobile payment application based on the personal information.

In another embodiment, the transaction information about the transaction payment after the transaction and the electronic invoice corresponding to the transaction data are attributed to the natural person certificate for storage to the value-added platform.

The present invention also provides an integrated operation method for a value-added application for mobile payment, which includes the following steps: the value-added platform stores the personal settings of the user and sells various preferential information and/or consumption data provided by the merchant; The personal information is loaded into the payment device; the mobile payment application in the user device is executed; and the mobile payment application displays the personal information of the user through the connected payment device for the user to select the desired personal information. And using the personal information selected by the payment device for identity verification, sensing with a point-of-sale device in a sales merchant for payment of a transaction, accumulating points based on member data, and according to a natural person certificate The electronic invoice generated by the payment of the transaction is vested to obtain the electronic invoice and the consumption details, or the user can receive the various preferential information related to the personal setting from the value-added platform through the user equipment and/or Consumption data.

In an embodiment, the method for operating the value-added application for action payment further includes the value-adding platform integrating the offer message with the personal information to provide the user's location based on the personal information through the action payment application. Sex service.

Compared with the prior art, the value-added application integration system and the operation method thereof for mobile payment proposed by the present invention can carry the personal information (various card information) of the user in the payment device, so that The credit card, leisure card, membership card or natural person certificate of different banks are combined into one, and the traditional credit card method is replaced in the consumption, so that the user can perform the payment action by performing identity verification or performing sensing through the payment device. In addition, at the same time, it also assists users in naming electronic invoices or providing browsing, awards and winning notices. The value-added platform can also provide transaction records and consumption analysis through mobile payment applications. A variety of payment information is integrated to achieve a more convenient mobile payment mechanism.

1‧‧‧Valued Application Integration System

11‧‧‧User equipment

111‧‧‧Mobile payment application

12‧‧‧Payment device

13‧‧‧ Value Added Platform

131‧‧‧Database

132‧‧‧Analysis module

133‧‧‧ integrated module

14‧‧‧Point of sale device

Steps S401, S402, S403, S404, S405‧‧

1 is a system architecture diagram of a value-added application integration system for mobile payment according to the present invention; and FIG. 2 is a schematic diagram of a payment device in a value-added application integration system for mobile payment according to the present invention; 3 is a schematic diagram of an application of a mobile payment application in a value-added application integration system for mobile payment according to the present invention; and FIG. 4 is a step diagram of a method for operating a value-added application applied to mobile payment according to the present invention; Figure 5 is a schematic diagram of the action payment function provided by the mobile payment application in the value-added application integration system for mobile payment of the present invention; Figure 6 is the application of the value-added application for mobile payment according to the present invention. Schematic diagram of the preferential merchant inquiry provided by the mobile payment application in the system; FIG. 7 is a schematic diagram of the electronic invoice value-added service provided by the mobile payment application in the value-added application integration system for mobile payment of the present invention; 8 is a schematic diagram of cloud management provided by a mobile payment application in a value-added application integration system for mobile payment of the present invention.

The embodiments of the present invention are described below by way of specific examples, and those skilled in the art can readily understand other features and functions of the present invention from the disclosure herein. The invention may also be embodied or applied by other different embodiments.

Referring to Figure 1, there is illustrated a system architecture diagram of the value-added application integration system for mobile payment of the present invention. As shown in Figure 1, the value-added application integration system 1 for mobile payment is used to integrate various personal information from different sources, such as credit cards, leisure cards, stored value cards, etc., to facilitate the use of the personal information by users. The added function, wherein the value-added application integration system 1 applied to the action payment includes the user device 11, the payment device 12, the value-added platform 13, and the like.

The user device 11 refers to a mobile device used by a general user, such as an electronic device such as a smart phone or a tablet computer, and has a mobile payment application 111 installed therein. The mobile payment application 111 can be an application (APP) method. For the user to download and install, that is, an interface connected to the payment device 12, the user can then use the mobile payment application 111 to perform mobile payment, identity verification, data query, etc. Features.

The payment device 12 is for connecting to the user device 11 and storing personal information. In this embodiment, the payment device 12 may be a Copni Wave product developed by OTI Corporation, but is not limited to this product. Copni Wave can store card information owned by users, and store multiple credit cards, leisure cards, membership cards, stored value cards and personal documents from different sources (banks, department stores or transportation) in a single payment device 12, and then, It can replace the traditional credit card method when you consume, and you can complete the transaction by using Copni Wave inductive payment. In addition, the personal data in the payment device 12 can be directly loaded and delivered to the user through pre-storage, or connected to a Trusted Service Manager (TSM) and downloaded over the air before use by the user. (OTA) technology carries back personal data storage.

In addition, the personal information may include at least one type of information such as credit card information, stored-value card information, membership card information, leisure card information, transportation tickets of other countries or other regions, and natural person electronic certificates, that is, for payment, traffic application by users. Cards or vouchers for purposes such as identity verification, etc., so that when the user needs a piece of information for authentication or transaction, the payment device 12 can be used for the purpose.

The value-added platform 13 is provided for the user device 11 to be connected through the mobile payment application 111 to provide information query and data storage backup, and mainly includes a database 131, an analysis module 132 and an integration module 133.

The database 131 is used for storing a plurality of kinds of preferential information and/or consumption data provided by the sales merchant and a personal setting and data backup of the user. That is, the sales merchant provides the offer information and/or the consumption data to the value-added platform 13 and stores it in the database 131, which helps the user to query the required information. For example, a credit card provides discounts for store owners. Users can get discount information through inquiries, in addition to providing In addition to the user's offer, the store also indirectly assists the store to facilitate the transaction. In addition, the user's personal setting is that the user can pre-store the frequently purchased product type, consumption preference or type of interest product, etc., so that the value-added platform 13 can provide appropriate product information to the user.

The analysis module 132 is used to analyze personal settings to obtain various preferential information, consumption materials, consumption preferences, and the like from different sources. Specifically, the analysis module 132 can analyze various preferential information and consumption data and user habits, for example, a preferential period, a business location, a product category, a membership attribute, etc., and then the same type, various schedules, or The information provided in the same location is more convenient for users to obtain multiple consumer messages.

The integration module 133 is configured to integrate various preferential information, consumption data, and personal information of the user after analysis by the analysis module 132, and also to provide various preferential information and consumption data according to the conditions of the personnel and each user. The personal information is integrated so that the user can obtain the preferential and consumer information related to his personal information through the value-added platform 13.

In actual operation, when the user executes the mobile payment application 111 in the user device 11, the mobile payment application 111 displays the personal information of the user in the payment device 12 connected to the user device 11, specifically The user can select the personal information he needs, such as a certain credit card information, so that the user can query the personal information related to his personal information through the personal information in the payment device 12 on the user device 11 and/or Consumption data.

In addition, the integration module 133 integrates the preferential information with the personal information to provide the user's locality service through the mobile payment application 111 based on the personal information. In the specific implementation, the value-added platform 13 can integrate the user data and the preferential information provided by the seller in advance, so that the user can query according to the location of the user. And its preferences, providing relevant consumer information or useful information to the user.

In addition, the value-added platform 13 stores the transaction information about the transaction payment after the transaction and the electronic invoice corresponding to the transaction data, which is a natural person certificate or otherwise. The value-added platform 13 stores the transaction data in order to assist the user in recording the consumption behavior. Therefore, through the information, the value-added platform 13 can generate information on the analysis of the consumer behavior, and the user can connect to the value-added platform through the mobile payment application. 13 Query your own consumption situation. As for the registrar of electronic invoices, in addition to assisting users to store their electronic invoices, they also provide services such as awards and winning notices when invoicing, thereby making the user's use process convenient and reducing the decentralized storage of billing, invoices and other information. inconvenient.

As can be seen from the above, the value-added application integration system for mobile payment described in this embodiment provides information integration, identity verification, and mobile payment and traffic applications for various purposes. The usage scenarios in different applications are further explained below.

In addition to the aforementioned support for multi-card integration, this value-added application integration system can also integrate store membership cards. At present, there are many stores with membership cards, and each member card has different operating mechanisms. Therefore, consumers need to carry various membership cards with them, which is not only inconvenient to carry, but also easy to lose. By integrating the membership card through the value-added application integration system 1, when the user joins the member, the physical plastic membership card is not required, but the card data is stored in the payment device 12 through the mobile payment application 111, and can be paid by use. The device 12 obtains member information. In addition, at the same time of consumption, the member information can be integrated to automatically complete the functions of point accumulation and bonus offset. The consumer can use the value-added platform 13 to query the accumulated points through the mobile payment application 111, so that the consumers can participate in the collection. convenient.

In addition, the application content of the current merchant offers is varied and the amount of data is too large. Large, consumers are not easy to find the preferential content relative to the actual demand, and most of them only provide preferential content, and can not be combined with payment tools, so consumers need to print or show coupons to obtain discounts, so it is difficult to organize and save . Therefore, the value-added application integration system 1 can combine the merchant offer with the set-point service based on the aforementioned membership card integration mechanism, and the consumer can quickly check the existing offer of the member who has joined the member, and automatically bring in the electronic at the time of checkout. Coupons, on the other hand, merchants can provide exclusive coupons to stimulate consumption according to the member's consumption status, and can also prompt the consumer to remind the consumer when the coupon expires.

Many large retailers or department stores currently open electronic invoices. If consumers do not apply for electronic invoices, they will still receive the invoice details printed on the hot paper. If they apply for mobile phone barcodes or travel cards, There are still restrictions on the use. For example, if you want to use the Easy Card to return to your household, you need to use the Easy Card to checkout at the same time. However, the Easy Card has a small payment limit, so not all transactions are applicable. If you want to return to the mobile bar code, you need to present the bar code when paying the bill. Overall, it is not convenient, which makes the electronic invoice use rate low. In addition, the existing online banking or mobile financial login method is based on the input of the identity card number, the set user name and password, but these materials are in danger of being stolen, and the security is significantly lower than that of the natural person's voucher. And multiple sets of account passwords also make it difficult to use.

Based on the above inconvenience, the value-added application integration system 1 utilizes the payment device 12 (for example, OTI Copni Wave) to provide a memory public key infrastructure (PKI) feature, providing users with their natural person credentials and financial credentials, and applying A wide range of fields, such as electronic invoices, so that you do not need to apply for a mobile phone barcode or a two-stage way of locating a card, but a payment device 12 (such as Copni Wave) as a single medium memory natural person certificate or financial certificate as an electronic invoice Return to home, so, sell The point-of-sale device (POS) 14 reads the natural person voucher information in the device at the time of checkout to perform electronic invoice registration, thereby providing functions for the consumer to browse electronic invoices, automatic prizes, and notifications in the mobile device, and if applicable, In addition to the income tax return, the payment device 12 (such as Copni Wave) can be used to read on multiple devices. Users can insert the computer, tablet and mobile phone with the payment device 12 (such as Copni Wave) and log in to the tax filing software to perform tax filing. In this way, devices such as card readers are not required. In addition, when applied to online banking or mobile banking, the natural person credentials of the payment device 12 (such as Copni Wave) can also be used to log in to the online banking and mobile banking, not only security. More improved, users do not need to remember multiple sets of account passwords, increasing ease of use.

At present, consumers need to enter the credit card number when they check out online, but if the card is not within reach or the input interface is not easy to use, it will often hinder the consumer from completing the transaction. In addition, the card number must also bear the data. The risk of being recorded. Therefore, the value-added application integration system 1 can cooperate with an online shopping mall to develop payment payment means 12 (such as Copni Wave) to pay for checkout, so that the user can make online purchases by mobile phone, tablet or computer. When the device is plugged into the payment device 12 (such as Copni Wave) and the payment device 12 (such as Copni Wave) is selected for quick checkout, the online shopping mall can initiate the serial payment device 12 (such as Copni Wave) through a dedicated interface program, after which After the consumer selects the card and enters the personal transaction password, the transaction can be completed, eliminating the need to find the card, enter the card number and the risk of piracy.

As can be seen from the above, in addition to the difficulties encountered in the existing solution, the value-added application integration system 1 of the present embodiment can integrate various functions to create more convenient service content, such as multi-card. One payment and credit card offer Energy, transportation applications, natural person vouchers and electronic invoices, electronic invoices and consumption analysis, integrated membership card features and merchant offers. The value-added application integration system 1 described in this embodiment provides a payment function for a plurality of credit cards, stored value cards, and a collection of transportation tickets, and the credit card discount function provides the card's cooperation discount according to the card downloaded by the consumer. The store information is so convenient for consumers to select multiple cards at the same time to comprehensively browse the preferential merchants. In addition, the natural person voucher can be used as the basis for the electronic invoice to be deposited through the payment device 12. Therefore, when the consumer is holding the payment device 12, the point-of-sale device (POS) can read the voucher message to perform the transaction payment, and return the electronic invoice. The user, the value-added platform 13 will store the electronic invoice consumption details to automatically assist the consumer to record the consumption amount, details and classification. In addition, it also has the function of integrating membership cards, allowing consumers to accumulate points directly when they check out, no longer need a large number of cards to carry with them, and merchant offers will also provide electronic coupons for consumer stores according to the customer's membership card. And directly offset at the time of consumption.

Referring to Figure 2, there is illustrated a schematic diagram of a payment device in a value-added application integration system for mobile payment of the present invention. As shown in the figure, the payment device 12 mounted on the user device 11 can be inserted into the sound source hole (such as the earphone hole) of the user device 11, and more specifically, the payment device 12 is inserted into the user device. 11 3.5mm headphone jack, so the payment device 12 can support a variety of mobile devices, and secondly, because it is inserted into the earphone hole, it does not occupy other mobile phone slots, and therefore can be easily replaced if the mobile device is replaced. .

More importantly, the payment device 12 supports all smart phones (without defining the built-in NFC function), which will reduce the compatibility problem caused by the difference of the mobile device platform. Therefore, the payment device 12 used in this embodiment not only Conducive to the integration of personal information, but also reduce the limitations of hardware differences.

In addition, the payment device 12 also supports the function of the PKI, so that the natural person voucher can be transferred to the payment device 12, so that the payment device 12 can be used not only as a tool for mobile payment but also as a mobile vehicle for personal identification. In the future, Any device that requires a voucher or an electronic signature can be enabled by simply inserting the payment device 12.

Referring to Figure 3, there is shown a schematic diagram of the application of the mobile payment application in the value-added application integration system of the present invention. As shown, the present invention can be combined with a number of applications, wherein the value-added platform can store stored credit card offers/special merchant maps, sales merchant offers, online shopping, and other consumer messages, or electronic invoices via a mobile payment application. Information such as personal consumption data such as personal consumption analysis and personal ticket of the user are stored in the mobile device or other cloud server. In addition, the user can obtain the membership card collection point and credit card through the mobile payment application and payment device. /Account card and stored value card information, leisure card information, other regional traffic tickets or natural person vouchers and other information for transaction payment or identity certification.

Referring to Figure 4, there is shown a step diagram of the method of operation of the value-added application for mobile payment of the present invention. As shown in the figure, in step S401, the value-added platform is configured to store the personal settings of the user and to sell various preferential information and/or consumption materials provided by the merchant. That is, the sales merchant can upload his or her promotional information or consumption data, which can be downloaded by the user. Next, the process goes to step S402.

In step S402, the user's personal information is loaded into the payment device. This step means that personal information, including credit card information, stored-value card information, membership card information, leisure card information, other regional transportation tickets or natural person e-vouchers, can be delivered to the user through pre-loading, or by the user. Wired to the Trusted Services Management Platform (TSM) and loaded back to the store via over-the-air (OTA) technology. Then go to Step S403.

In step S403, an action payment application in the user device is executed. In this step, when the user can execute the mobile payment application installed in the user equipment, the functions provided by the user are diverse, such as mobile payment, preferential merchant inquiry, electronic invoice value-added service or connected cloud platform. Personal information. Next, the process goes to step S404.

In step S404, the mobile payment application is configured to display the personal information through the connected payment device for the user to select the desired personal information. In this step, after executing the mobile payment application, the user can select the personal information required, and more specifically, display the information in the payment device for the user to view the selection, and the payment device is a kind of Multiple credit cards, stored value cards, leisure cards, other regional transportation tickets, and membership cards from different sources (banks, department stores, or transportation) can be used as a substitute for traditional credit card tools. For credit card information, stored value card information, membership card information, leisure card information or natural person electronic voucher. Next, the process goes to step S405.

In step S405, the personal information selected by the payment device is used for identity verification, and the sales point device in the sales merchant senses for transaction payment, accumulates points according to member data, and generates payment according to the natural person certificate. The electronic invoice is returned to the household or received from the value-added platform to transmit the preferential information and/or consumption information related to the personal setting. In this step, the user can perform an application such as identity verification and mobile payment through a payment device connected to the user device, and the action payment is sensed by the payment device and the point-of-sale device installed in the sales merchant. This completes the payment for the entire transaction.

In addition, users can also query their personal information through their user device. The preferential information and/or consumption information, as mentioned above, the preferential information and/or the consumption data will be integrated with the personal information according to the personal settings, so the value-added platform can provide appropriate recommendation content to the user.

In addition, the value-added application operation method for mobile payment further includes the value-added platform integrating the preferential information with the personal information, so that it can be based on time, user location, user habits or recorded in personal information. Conditions to provide user-friendly services.

In addition, after the transaction, the electronic invoice generated by the value-added platform will be stored in the value-added platform through the mobile payment application by the natural person certificate, and will be used by the user at each transaction. The transaction results are stored in the value-added platform through the mobile payment application, thus providing users with their personal consumption analysis.

Referring to Figure 5, there is shown a schematic diagram of the action payment function provided by the mobile payment application in the value-added application integration system of the present invention. As shown in the figure, before the transaction is performed, the user needs to open the mobile payment application in the user device, and the mobile payment application will display the current card information pre-recorded by the bank or from the trust service management platform. Download the successful card content on (TSM).

After that, when the user decides to use the card for product checkout, the password needs to be entered first to confirm the transaction permission. However, the security mechanism of the transaction confirmation can be set as needed. Once the transaction credit card and the password are selected, the payment device can be used. (For example, Copni Wave from OTI) starts trading with the point-of-sale device (POS) of the seller. After the transaction is completed, the relevant transaction information and transaction details will be displayed on the screen. For example, when the payment is made by the leisure card and the game card has completed the home registration action, the transaction will automatically bring out the electronic invoice number.

Through the above mechanism, the user can set the default payment card and set the transaction password by himself, thereby improving transaction security. Furthermore, the user's multiple cards can be combined into one, so that only the mobile phone and the payment device need to be carried out, which can reduce the difficulty of carrying the wallet and the inconvenience of using the card.

Referring to FIG. 6, a schematic diagram of a preferential merchant inquiry provided by a mobile payment application in a value-added application integration system for mobile payment of the present invention is illustrated. As shown in the figure, for the inquiry of the preferential information, the user can check the current credit card, stored value card or leisure card to check the respective discount store and related preferential information (left), or according to the store name Check the store offer (middle), and also find out which stores near the current user's location provide discounts for specific credit cards, and mark the location of the store with an online map (such as Google Map) (right) The store that meets the consumer's preference will be given priority. According to this, when the personal information is integrated with the offer and/or consumption data provided by the merchant, the value-added platform will be given appropriate based on the user's status, preferences, location or condition. Offer message.

Through the above mechanism, each credit card offer can be collected in the same map location query. The multiple discounts can be notified through the local service (LBS), and multiple credit card discount stores will be clear at a glance. This can help users solve the problem without knowing what is available. There are some discounts or problems that can be found in the card that offers the most consumer discounts.

Referring to Figure 7, there is illustrated a schematic diagram of an electronic invoice value-added service provided by a mobile payment application in a value-added application integration system for mobile payment of the present invention. The current government vigorously promotes electronic invoices. If there are still many restrictions on the application of mobile phone barcodes or leisure cards, the use of leisure cards for households has a small amount of consumption. If the bar code is returned to the household, the bar code must be presented at the time of checkout, so the electronic invoice return rate is low. In addition, the current online banking or mobile finance login is based on the input ID number, user name and password. However, there is a danger of robbery, the security is significantly lower than the natural person's credentials, and multiple groups may need to be memorized. It is inconvenient to use the account password to log in to different banks.

Based on the above situation, the value-added application integration system of the present invention will utilize the features of the memory PKI of the payment device 12 (such as Copni Wave) to provide users with natural person credentials and financial credentials. When applied to an electronic invoice returning home, the natural person certificate or financial certificate of the single medium memory of the payment device 12 (such as Copni Wave) is used as the electronic invoice returning vehicle, so the POS machine reads the payment device 12 at the time of checkout (such as Copni). The natural person certificate is used to log in to the electronic invoice, and the user can browse the electronic invoice details through the user equipment. If there is a winning, it will automatically notify, which is obviously better than the two-stage home registration method of the mobile phone barcode or the leisure card. If applied to the comprehensive income tax return, the payment device 12 (such as Copni Wave) can be read in the multi-device, so the user can enter the computer, tablet and mobile phone to log in to the tax software with the payment device 12 (such as Copni Wave) to complete the tax return. There is no need for other devices such as card readers. In addition, if the natural person credentials in the memory of the payment device 12 (such as Copni Wave) are used to log in to the online banking and mobile banking, the security is not improved, and the user does not need to memorize multiple sets of account passwords, which is more convenient to use.

The following is an example of electronic invoice returning. Through integration and value-added services, users can apply for mobile phone barcodes and check the electronic invoices of the households. At the same time, they will provide winning notices. As shown in the figure, the left diagram is displayed to assist users. Link the electronic invoicing platform, integrate the application for mobile phone barcodes and the leisure card returning service, and query the electronic invoice details and winning notices of the returned households. The middle map is a list of electronic invoices showing the households that have been returned to the household. The winning reminder, while the right drawing is to display the specified invoice details.

Through the above mechanism, the automatic home registration of electronic invoices and the awards can help users to solve personal consumption and invoices, and provide users with more diversified value-added services.

In addition, if there is no clear user analysis, it is difficult for the merchant to deliver the correct product advertisement to the user who needs it. For the merchant, it is undoubtedly a waste of marketing cost, and for the user, because I often receive advertisements that are not suitable for myself.

Therefore, through the electronic invoice consumption details in the value-added application integration system of the present invention, each consumer's consumption record for different items and different cards can be known, and further, other external information, such as weather conditions, can be combined. Geographic information, festivals, and related important social issues are used to analyze different consumer behaviors, such as personal consumption habits or public consumption trends. These information can be used as a reminder for consumers to purchase behaviors. After identifying the consumer information, it can also serve as a reference for the business advertisement and marketing strategy. This can help merchants and banks better understand consumers and support the decision of merchant sales and accurate advertising marketing.

Referring to FIG. 8, a schematic diagram of cloud management provided by a mobile payment application in a value-added application integration system for mobile payment according to the present invention is illustrated. As shown in the figure, the user can suspend the action payment function by logging in to the cloud platform, so that if the mobile device is lost, it is not afraid of being stolen. Specifically, the user can log in to the personal management platform to apply for card payment deactivation/activation functions such as credit card and stored value card, and when the mobile device is replaced, the personal management platform can also be used to synchronize the personal collection of the store and personal consumption. Analyze and organize data such as cloud backups. At the same time, it can also be set The personalized password for enabling the mobile payment function and the consumption amount limit for entering the password, that is, the consumption beyond the threshold can be entered before the password can be paid.

When the mobile phone is lost, the user can verify the identity through the mobile payment application, and after identifying the identity, the user can apply for the suspension of the action payment. At this time, the screen displays the list of credit cards currently in use, and the user can click to stop. Use or enable the card to set the card to be deactivated or enabled, such as credit card and stored value card, and then confirm the payment by the credit card company and the trust service management platform, so as to avoid theft when the card is lost. brush.

Through the above mechanism, if the user accidentally loses the payment device, the remote payment can be used to apply for the cancellation of the payment function, and the immediate cancellation of the payment can reduce the risk of theft after the loss, which is a relatively safe action transaction for the user. tool.

In summary, the value-added application integration system and the operation method thereof for mobile payment proposed by the present invention provide a user with a plurality of card information of different sources, so that the consumption can replace the traditional By swiping the card, the transaction is completed only by the payment device performing the inductive payment action. In addition, after the transaction is over, the user can be assisted to return the electronic invoice and subsequent browsing, awards and winning notices. In addition, the value-added platform can also provide a record of the transaction through the mobile payment application, and provide each person with a record. The user's analysis of consumer behavior can provide users with more value-added services. Therefore, the present invention achieves a more convenient mobile payment mechanism by integrating various payment media of the user.

The above-described embodiments are merely illustrative of the principles of the invention and its effects, and are not intended to limit the invention. Modifications and variations of the above-described embodiments can be made by those skilled in the art without departing from the spirit and scope of the invention. Therefore, the scope of protection of the present invention should be as set forth in the scope of the claims described below.

1‧‧‧Valued Application Integration System

11‧‧‧User equipment

111‧‧‧Mobile payment application

12‧‧‧Payment device

13‧‧‧ Value Added Platform

131‧‧‧Database

132‧‧‧Analysis module

133‧‧‧ integrated module

14‧‧‧Point of sale device

Claims (10)

A value-added application integration system for mobile payment, comprising: a user device, which is installed with a mobile payment application; a payment device for connecting to the user device and storing personal information; and a value-added platform For the connection to the user equipment, the value-added platform includes: a database for storing personal settings of the user and data backup, a plurality of preferential information or consumption data provided by the seller; an analysis module, Is used for analyzing the personal settings to obtain corresponding various preferential information or consumption data, consumption preferences; and integrating modules for integrating the various preferential information or consumption materials with the personal information of the user, wherein When the user executes the mobile payment application in the user device, the mobile payment application displays the personal information in the payment device, and provides the personal information required by the user to select the payment through the payment. The device performs identity verification, and the sales point device in the sales merchant senses the transaction payment, according to the member information. Number of points, based on the natural produce electronic documents for the transaction payment invoices by households, or offer the consumer a variety of special offers or information related to the setting of the individual. The value-added application integration system for mobile payment as described in claim 1, wherein the payment device is connected to the user device through a sound source hole of the user device. The value-added application integration system for action payment, as described in claim 1, wherein the payment device preloads the personal information or The over-the-air technology downloads the personal information from a trust service management platform. The value-added application integration system for action payment, as described in claim 1, wherein the integration module integrates the offer with the personal information to pay for the application based on the personal information. The program provides the user's locality service. The value-added application integration system for action payment, as described in claim 1, wherein the transaction information about the transaction payment after the transaction and the electronic invoice corresponding to the transaction data are returned according to the natural person certificate. The user is stored to the value-added platform. The value-added application integration system for action payment, as described in claim 1, wherein the personal information includes credit card information, stored-value card information, membership card information, leisure card information, transportation ticket or natural person electronic certificate. . An integrated application method for value-added applications for mobile payment includes the following steps: the value-added platform stores the user's personal settings and sells various offers or consumption materials provided by the merchant; and loads the user's personal information. a payment device; executing an action payment application in the user device; causing the mobile payment application to display the personal information through the connected payment device for the user to select the personal information required; and utilizing the payment device The selected personal information is used for identity verification, sensing with a point-of-sale device in a sales merchant for transaction payment, accumulating points according to member data, affixing an electronic invoice generated by payment of the transaction according to a natural person voucher, or receiving from the plus The value platform transmits the various offers associated with the personal setting Message or consumption data. The application method of the value-added application for action payment as described in the application of the patent application, and the value-added platform integrates the offer information with the personal information to pay the application through the action based on the personal information. Provide this user's location service. The method for operating a value-added application for action payment, as described in claim 7, wherein the electronic invoice corresponding to the transaction information and stored in the natural person certificate is stored in the value-added platform. The method of operating a value-added application for action payment, as described in claim 7, wherein the personal information includes credit card information, stored-value card information, membership card information, leisure card information, transportation ticket or natural person electronic certificate. .