TW201601098A - Method, apparatus and system of electronic payment - Google Patents

Abstract

Disclosure is related to a method, an apparatus and a system of electronic payment. In the method, the user needs not to pay for a product in advance, on the contrary complete the payment at the time obtaining the product. The product is such as goods or services. According to one embodiment, the user may firstly receive the product information using a mobile device, and then establish a shopping data. While a server receives the shopping data combined with an account data, an electronic bill data is created in the server. An electronic bill is then created in the mobile device as converted from the electronic bill data, e.g. 2D barcode which is read by a reader when the user obtains the goods or services. The payment process can be completed in the reader when the reader decodes the electronic bill and obtains amount of product and payment authorization.

Description

Electronic payment method, device and system

The present invention relates to an electronic payment method, apparatus and system, and more particularly to an electronic payment method capable of completing payment at the same time as obtaining a product, and related devices and systems.

Because of the popularity of the Internet and the development of multiple applications, the prevalence of e-commerce is prevalent, followed by the popularity of smart mobile devices, and mobile payment has gradually become an acceptable business practice.

To put it simply, mobile payment is the application of the user's portable electronic device as the payment authentication device, realizing the functions of stored value, credit payment and user identity authentication, using the cloud system to provide financial services, and working with the telecommunications provider to complete a kind of payment. E-commerce system.

In this system, mobile devices such as smart phones and tablets play an important role as payment media. For example, a stored-value devices such as mobile device or credit payment means may be utilized wherein the short distance communication function, such as near field communication (the NFC), Bluetooth communications (Bluetooth ^TM) and the like, via a read of the store The payment can be completed after the signal is read.

In addition, mobile payment technology uses two-dimensional barcodes (such as QR code) as the medium of payment. For example, users can purchase goods online, such as tickets, tickets or movie tickets, and tickets for concerts. After completing the payment, one can obtain one. 2D barcode and loaded into the mobile device. After that, the user can hold the camera and display the 2D on the screen. The barcode mobile device can take the vehicle or enter a specific venue, and the two-dimensional barcode can be read through a reader, and the entry can be confirmed after the confirmation is valid.

Different from the current mobile payment technology, which requires payment in advance to enjoy the service, the present invention provides an electronic payment method and system, wherein the proposed solution can achieve an instant and fast payment method without prior payment, thereby avoiding the current The problem of complex refund procedures may arise in technology due to prior payment.

In the step of the electronic payment method, after the user obtains the product information by using a mobile device, the shopping data is formed, and the account data recorded by the mobile device is transmitted to the servo system, where the commodity is a physical commodity or a service. Thereafter, the mobile device receives the electronic receipt information formed by the servo system based on at least the shopping data and the account data calculation, and the electronic receipt information is calculated in the mobile device to generate the electronic receipt.

When the specific location is reached, the electronic receipt on the mobile device is read by an information reading device, and the account and the commodity information are decrypted, and the information reading device obtains the consumption amount related to the commodity from the servo system, and after confirming the authorization, the payment is completed. .

According to one of the embodiments, the method for forming an electronic receipt further includes: after the servo system receives the account information and the commodity information transmitted by the mobile device, querying a database to confirm the correctness of the account information and the commodity information. A service life period is set in the servo system, and then the servo system calculates the account information, the product information and the product use period to form another string transmitted to the mobile device, and finally converts to form an electronic ticket.

The information reading device is an electronic payment device in the system of the present invention. The device includes an electronic receipt reading unit for reading an electronic receipt carried by a mobile device, and a decryption unit for interpreting the electronic receipt reading. The information read by the unit; the memory unit is used as the data temporary storage area of the information reading device, and the data taken by the decryption unit is temporarily stored in the memory unit; the communication unit is connected to a servo system. Obtaining product information and obtaining a payment authorization; and including an indication unit for reminding the completion of the payment authorization action.

The electronic payment system as set forth in the embodiment includes a servo system for providing product inquiries, forming an electronic receipt and payment authorization, and a mobile device for the user terminal, and a software program for executing the electronic payment method, and further includes information. The reading device, wherein the plurality of functional units as described above, such as an electronic receipt reading unit, a decryption unit, a memory unit, a communication unit, and an indication unit.

In order to further understand the technology, method and effect of the present invention in order to achieve the intended purpose, reference should be made to the detailed description and drawings of the present invention. The drawings and the annexed drawings are intended to be illustrative and not to limit the invention.

10‧‧‧Product display location

101‧‧‧2D barcode

103‧‧‧Wireless identification tag

12‧‧‧Mobile devices

14‧‧‧Information reading device

20‧‧‧Product display location

201‧‧‧2D barcode

203‧‧‧Wireless identification tag

22‧‧‧Mobile devices

24‧‧‧Information reading device

205‧‧‧ commodity server

207‧‧‧Financial System

209‧‧‧Operating system

30‧‧‧Information reading device

301‧‧‧Electronic note reading unit

303‧‧‧Decryption unit

305‧‧‧ memory unit

307‧‧‧Communication unit

309‧‧‧Instruction unit

32‧‧‧Mobile devices

33‧‧‧Commodity server

34‧‧‧Financial System

35‧‧‧Operating system

40‧‧‧Mobile devices

41‧‧‧First server

42‧‧‧Second server

43‧‧‧ third server

44‧‧‧fourth server

45‧‧‧Product display location

46‧‧‧Information reading device

401‧‧‧ Goods

402‧‧‧Order Information

403‧‧‧Confirmation information

404‧‧‧ Accounts and merchandise

405‧‧‧ string

406‧‧‧ Goods

407‧‧‧ consumption amount

408‧‧‧ string

409‧‧‧Confirm payment

61‧‧‧Servo system

62‧‧‧Mobile devices

63‧‧‧Information reading device

601‧‧‧Account and product information

602‧‧‧ string

603‧‧‧ string

604‧‧‧Product Information

605‧‧‧Payment information

606‧‧‧Request for payment

607‧‧‧Confirm

Steps S501~S513‧‧‧Electronic payment method

Step S701~S711‧‧‧ Serving system side operation example flow

1 is a schematic diagram of an apparatus for an electronic payment method according to the present invention; FIG. 2 is a schematic diagram showing an embodiment of an electronic payment system of the present invention; FIG. 3 is a functional block diagram showing an embodiment of an information reading apparatus of the electronic payment system of the present invention; A schematic diagram of an embodiment of an electronic payment system of the present invention; FIG. 5 is a flow chart showing an embodiment of an electronic payment method of the present invention; FIG. 6 is a schematic diagram showing an embodiment of an interaction process of each end of the electronic payment system of the present invention; The flow of the operational embodiment of the servo system side of the invention system.

The invention provides an electronic payment method, device and system, wherein the proposed solution can achieve an instant and fast payment method without prior payment, and at the same time, In a particular embodiment, the media showing the physical merchandise may not rely on the merchandise amount, but may rely on the system backend control system to directly transmit and display the merchandise information and the amount on the user's mobile device. After the user operates the mobile device, the identification information of the relevant product can be obtained, such as the product label, and the account data or the credit data can be combined to generate a code that can be read, such as a QR code or the like, or a near field communication protocol. The wireless identification code defined below.

For a related device setting diagram for performing the electronic payment method of the present invention, reference may be made to the schematic diagram shown in FIG. 1.

The displayed product display position 10 is displayed as a product kanban, and the product may be a physical product or a service, such as an advertisement poster for an introduction of a product, a movie introduction, and the like may be applied as a product catalogue, which may also include a service introduction, and may not include an offer. In order to display a display rack having actual merchandise, various merchandise at the merchandise display position 10 are provided with a two-dimensional barcode 101 such as a QR code, or a wireless identification tag 103 conforming to a specific near field communication protocol (such as NFC). The mobile device 12 can be read to obtain an electronic receipt.

For example, if a QR code 2D barcode 101 label is attached to the product displayed on the product display position 10, the QR code can be photographed using a scanner or a camera (with a QR Code scanner) on the mobile device 12. After decrypting/decoding, the product information is obtained, for example, to obtain a product information by linking to a specific webpage address (URL). If the wireless identification tag 103 is set, the wireless communication module on the mobile device 12 can scan the message contained in the wireless identification tag 103, and the product information can be obtained after decryption/decoding. In addition, the embodiment of the present invention does not limit the manner in which the product information is obtained, and the product information (product identification code) may be directly obtained from the online shopping website.

After the user operates the mobile device 12 to obtain the product information, the mobile device can be connected to the product-related webpage through a mobile application (such as an APP) or a web browser in the mobile device 12, and in addition to browsing the further information of the product, the product can be ordered. program of. For example, if the product is a cinema movie, you can make a reservation through the mobile application or enter the movie ordering page. After confirmation, you can get the admission voucher from the server. For example, to get a 2D barcode file, or to get a wireless identification tag The character string, as an electronic ticket when entering the movie theater, is read by the information reading device 14 installed at the door, and is read, decrypted/decoded by the internal program to determine the validity of the electronic ticket (time, duration) , quantity, etc.), to remind service personnel whether they can enter the cinema.

According to the embodiment, when the electronic payment method of the present invention is used to purchase a product, the payment can be performed by using the program contained in the mobile device, and the payment is performed after the information reading device confirms, because it is convenient to pay in advance. Refund. The electronic payment method can save paper bills, and because of the digital relationship, the back-end servo system can integrate all operational information.

In addition to the physical merchandise consumption of the mall, it is better to be able to purchase goods such as tickets, admissions, etc., such as concerts, cinemas, exhibitions, playgrounds, etc. The client device is preferably a mobile device such as a smart phone or a tablet computer, and the application mobile device can carry a software program (APP) that provides services such as an electronic wallet and a credit card.

Therefore, when the user obtains the product information via the product display location (10), the software can be executed through the software program or the web browser contained in the mobile device (12), or preferably at the time of checkout. The device (14) reads the electronic receipt containing the product information and the user account information (such as a stored value account stored in the mobile device, credit information, or other information that can be completed) and then completes the payment.

It is worth mentioning that the mobile device (12) can pre-record credit information, such as credit data, stored value data or member information, that has been previously established with the relevant service provider.

The system embodiment provided by the present invention is also applicable to first payment and first obtaining a valid electronic receipt, and then picking up according to the electronic receipt; however, the present invention is preferably applied to an application for simultaneous payment, and is particularly suitable for purchase. Tickets, admissions, etc. When the end exchanges the information of the account, the commodity and the payment information, the technology for encrypting the data is used to ensure the security, and the software program executed in the mobile device can also provide a plurality of payment methods, and is not limited to the manner disclosed in the present invention. And the electronic ticket proposed in the embodiment The form is not limited to the disclosed two-dimensional barcode or a specific type of wireless identification tag.

For an embodiment of synchronizing payment and obtaining an electronic receipt when acquiring a product or service, reference may be made to the schematic diagram of an embodiment of the electronic payment system of the present invention shown in FIG.

The figure shows that the user can operate the mobile device 22 to obtain specific product information at the merchandise display location 20. For example, the product display position 20 displays a product kanban, and the kanban displays a two-dimensional barcode 201 and/or a wireless identification label 203, and the two-dimensional barcode scanning program in the mobile device 22 can be used to read the two-dimensional barcode 201. Information, or using the wireless signal scanning program to read the information contained in the wireless identification tag 203, the information read can be converted into product information. One of the embodiments is that the application server in the mobile device 22 is connected to the commodity server 205 at a specific location on the network to obtain the product information, and then displayed on the screen of the mobile device 22.

When the product is a physical product, the user can confirm the purchase through the application in the mobile device 22, and after the processing by the product server 205, the payment can be made at the time of picking up; if the product is not a physical item, such as an admission ticket, the product The server 205 will also record this ordering behavior, and the user will pay when entering the market. In this embodiment, the commodity server 205 may have a connection with the financial system 207. When the payment is made, the commodity amount may be confirmed with the commodity server 205, or the information reading device 24 may perform the correlation from the commodity server 205. Product information.

In particular, the embodiment provides payment only when picking up or entering the market, and can avoid the trouble of returning or canceling the game after payment. At the time of picking up or entering the market, the electronic receipt can be read by the information reading device 24, at which time the commodity server 205 or the financial system 207 queries and acquires the amount of the goods or services, and completes the payment procedure with the financial system 207. Finally, the operating system 209 will record non-privacy or security related information as the store's statistics and reports.

The above information reading device is a device for confirming and executing payment products provided in the electronic payment system of the present invention, as shown in the functional block diagram of FIG.

An electronic payment device implementing the electronic payment technology of the present invention is shown in the figure The reading device 30 is preferably located at the checkout point in the step of the electronic payment method, for example, can be located at the checkout counter of the shopping mall, and reads the product information contained in the mobile device (32) held by the user. At this time, the amount of the commodity is first obtained from the servo system (such as the commodity server 33 and the financial system 34), and the payment authorization is completed with the financial system (34). If an application for ticket purchase is required, such as a movie theater or a concert, the information reading device 30 may be located at the entrance gate, and after reading the user action device (32), the servo system (such as the product servo) may be inquired. The amount of the ticket is entered into the ticket, and the payment is completed after exchanging information with the financial system (34).

The main function block of the information reading device 30, which is implemented by hardware or software, includes an electronic receipt reading unit 301, a decryption unit 303, a memory unit 305, a communication unit 307, and an indication unit 309, as shown, and each functional unit is connected to each other. The main flow of the electronic payment method of the present invention is jointly performed.

The electronic receipt reading unit 301 is used to read an electronic receipt carried by the mobile device 32, such as a two-dimensional barcode, a wireless identification code, and the like. These electronic receipts are generated by a servo system (such as the merchandise server 33) in combination with user accounts, merchandise information, and the like in the mobile device 32 after the purchase of the merchandise is completed.

The decryption unit 303 is configured to decode the information read by the electronic receipt reading unit 301, thereby obtaining relevant user account information, product information, etc., and other information may also include the electronic article usage period, preferential information, and the like. .

The memory unit 305 can be used as the data temporary storage area of the information reading device 30. For example, the data taken by the decryption unit 303 will be temporarily stored in the memory unit 305, and then transmitted by the communication unit 307.

The communication unit 307 is a hardware circuit and related software connected to a servo system through a wired or wireless manner, and is provided with related software and hardware conforming to a specific communication protocol. In the present invention, the servo system connected to the communication unit 307 can be The function is divided into a plurality of servers, for example, a product server 33 is connected to obtain product information, including asking for the amount of goods; and the financial system 34 is connected, mainly by exchanging payment information, including obtaining payment authorization; and connecting the operating system 35, Mainly able to put the number in the system Data is transmitted to the operating system 35 for background work such as data reporting, analysis and control.

The information reading device 30 is provided with an instructing unit 309, such as a display screen, a light number, an audible sound, a vibration, or a plurality of indication methods for reminding the action of completing the payment authorization.

4 is a schematic diagram showing an embodiment of the electronic payment system of the present invention. This example shows a system for realizing that the user operates the mobile device 40 to select a product and obtain an electronic receipt, and then the information reading device 46 reads the confirmed product amount and completes the payment. The servo system part of the electronic payment system can implement various stages of actions by multiple servers, or implement system-side functions of the electronic payment system by one or a combination of several functions in one server. That is, the servers (41, 42, 43, 44) of the various stages in the illustration can be implemented by one or more servers.

According to the illustrated embodiment, the user goes to the product display position 45, such as an advertisement billboard, an advertisement leaflet or a physical display rack of the product, and the mobile device 40 can be operated to read the relevant identification information (item 401) of the commodity of interest. For example, a two-dimensional barcode printed or attached to the product, or a wireless identification code on the wireless identification tag can be read by the wireless communication function and recorded in the memory of the mobile phone 40. According to one of the embodiments, the mobile device 40 may be installed with a software program, such as an APP, that performs the services provided by the system of the present invention, but does not exclude a web browser from entering a particular network to execute related programs.

Thereafter, order information (402) transmitted to the first server 41 can be formed in the mobile device 40, and the confirmation information (403) can be obtained from the first server 41. For example, if the product is a movie session, the action device 40 confirms the session and the seat, confirms the order with the first server 41, and obtains related information.

The merchandise information of the confirmed order will be combined with the account information contained in the mobile device 40 to form the information (account and merchandise 404) transmitted to the second server 42. The account information is, for example, user credit data, stored value data, or member information added to a service. For example, account information can refer to a user's note on a service platform. For personal account information, the service platform may require input of personal credit card information or application for personal virtual bank account to join the service platform, so that its "account information" has the ability to consume gold. After the second server 42 receives the piece of information (account and item 404), the operation forms a string (405), and the string (405) can carry the order completion information, the account information of the related item, and the setting by the server. The period of use, etc. The software program of the mobile device 40 then operates to form an electronic receipt, such as a two-dimensional barcode stored and displayed on the mobile device 40 or a wireless identification code carried in the memory.

The user can use the electronic receipt as a ticket for extracting goods, entering the market, or obtaining a specific service. After being read by the information reading device 46 at the goods and service site, the information reading device 46 decrypts the information, and the product can be The information (item 406) is transmitted to the third server 43 to confirm the amount of the item, and the information reading device 46 will acquire the amount of consumption from the third server 43 (407).

Then, the information reading device 46 calculates information such as the user account, the product, and the amount of consumption to form another string (408), and transmits the message to the fourth server 44, which is used to determine the account, the user, and the product. If the information such as the amount is correct, and the payment authorization is confirmed, the message of the relevant confirmation payment 409 is transmitted back to the information reading device 46, indicating that the payment is completed. The information reading device 46 can then prompt the operator to complete the payment through various indications.

The flow shown in Figure 5 depicts the steps of an embodiment of the electronic payment method of the present invention.

Initially, in step S501, the user can obtain product information through the mobile device, and the product includes a physical item, an admission ticket, or a service. The shopping data can then be entered in the software program in the mobile device, such as step S503, such as inputting the number of items, picking up the place, or the interest of the admission and the seat, or the time of the related service. After the input of the shopping materials is completed, the account information (credit data, stored value data, member information, etc.) is transmitted to the servo system, as in step S505. The account information, the product information and the like may be represented and transmitted in a string, and may contain security information that can be decrypted at each end of the electronic payment system of the present invention, such as carrying a secret code. The class code can usually include information such as instant time, date, etc. to generate a time-limited string that can be a one-time code in the system and will expire after the expiration date.

The servo system will be able to set a period of use of the corresponding item according to the account information and the shopping data, such as the time of the concert to enter a specific session, the time of the movie theater, or even the time of picking up the goods, and then calculate an electronic receipt information. The same can be computed into another string and transmitted to the mobile device, as in step S507. The string is converted into an electronic receipt by the software program in the mobile device, as by step S509. The electronic receipt, such as a two-dimensional barcode displayed on the mobile device, may also be a wireless identification code stored in the memory of the mobile device.

After that, the user can carry the mobile device to the pick-up or service location, and close to the on-site information reading device. After the electronic ticket in the mobile device is read by the information reading device, the account and the product information are decrypted to be transmitted. After the inquiry is made by the servo system, the information can be confirmed in step S511, and after the servo system confirms the account, the product, the amount, and the like, the information reading device confirms the completion of the payment in step S513.

The above-mentioned servo system is a general term for a server that executes an item inquiry, an amount inquiry, and an operation to generate an electronic receipt and an authorized payment in the electronic payment system of the present invention. In an actual implementation manner, one or more different servers may be completed.

6 is a diagram showing an embodiment of an interaction flow at each end of the electronic payment system of the present invention. The flow shows a procedure for completing an electronic payment through the servo system 61, the mobile device 62, and the information reading device 63 provided at the counter or in a specific occasion.

The servo system 61 of this example is one or more servers that collectively complete the servo end of the electronic payment program of the present invention, and the servers of the respective stages may be servo hosts provided at different positions.

At the beginning, the product information may be obtained by the mobile device 62, including the physical goods or services. The product information is then transmitted to the servo system 61 by the account information contained in the mobile device 62, such as the illustrated account and product information 601, by the servo. After the system 61 encodes according to the calculation method agreed by each end, the string 602 transmitted to the mobile device 62 is formed. It contains electronic ticket information as described above, which may carry the electronic document's lifespan and a security code that can be programmed into some security.

When the mobile device 62 receives information such as electronic receipts, it can be converted into an electronic receipt, and the electronic receipt can be a two-dimensional barcode displayed on the display screen or a wireless identification code stored in the memory. When a product (such as a counter) or a service (such as an entrance gate) is obtained, it is read by the information reading device 63 of the place, that is, the illustrated character string 603. When the character string 603 is obtained by the information reading device 63, the product and the account data are decrypted, and in addition to confirming the validity of the electronic ticket, the product information 604 is further transmitted to the servo system 61 to execute the subsequent payment program. This includes checking the amount of the item, such as the illustrated payment information 605.

Thereafter, the information reading device 63 confirms the payment information (605) and sends a signal requesting the payment 606 to the servo system 61. At this time, the servo system 61 can be a payment authentication server in the financial system, after the payment authorization is completed. The payment confirmation (607) message is issued by the servo system 61 to complete the payment.

It is worth mentioning that various messages in the payment program can be executed by the mobile device (APP) related to the service, including electronic ticket processing, decryption, security data processing, providing user interface, message delivery, and Display and so on.

The flow shown in Fig. 7 describes the flow of the operation of the servo system side of the system of the present invention, which mainly describes the flow of electronic ticket formation on the servo system side.

When the servo system receives the account information and the product information transmitted by the mobile device, in step S701, the database is queried to confirm the correctness of the account information, and whether the product information conforms to the content contained in the database, as in step S703, and thereafter. The service life of the product can be set according to the data of the database, such as the number and time of the ticket, as in step S705.

Thereafter, the servo system calculates time information such as account information, product information, and product use period to form another string (step S707), and transmits the message to the mobile device, as shown in step S709.

After the mobile device receives the string, as in step S711, the mobile device can be used in the mobile device. The installed software program converts to form an electronic ticket.

Therefore, through the technology disclosed in the above disclosure, the electronic payment system and method proposed by the present invention provides an initial payment without payment, but confirms the amount through an information reading device that obtains goods or services. Paying, in addition to providing a paperless shopping method, is more suitable for entry in high-traffic entrances, such as cinemas, concerts, exhibition venues, playgrounds and even dining places, because the system provides integration A solution to mobile payment technologies such as credit cards and e-wallets has shortened the traditional way of paying in advance and queuing for tickets at that time. The system also provides safe consumer behavior, so that users and operators are protected.

The above are only the preferred embodiments of the present invention, and all changes and modifications made to the scope of the present invention should be within the scope of the present invention.

30‧‧‧Information reading device

301‧‧‧Electronic note reading unit

303‧‧‧Decryption unit

305‧‧‧ memory unit

307‧‧‧Communication unit

309‧‧‧Instruction unit

32‧‧‧Mobile devices

33‧‧‧Commodity server

34‧‧‧Financial System

35‧‧‧Operating system

Claims (15)

An electronic payment method includes: after the user obtains the product information by using a mobile device, the shopping data is formed, and the shopping data is transmitted to a servo system after combining the account data; and the mobile device receives an electronic message transmitted by the servo system. The bill information is generated by the servo system based on at least the shopping data and the account information; in the mobile device, the electronic bill information is converted into an electronic bill; the electronic bill is controlled by an information reading device Reading and decrypting generate account and commodity information; and the information reading device obtains the consumption amount related to the commodity from the servo system, and after confirming the authorization, completes the payment. The electronic payment method according to claim 1, wherein the product information includes information of the physical goods or services, and the identification information of the products is obtained by a product display position, and then obtained by the servo system. The electronic payment method of claim 2, wherein the merchandise display location is a merchandise board or a merchandise catalog. The electronic payment method of claim 2, wherein the merchandise display location is an actual merchandise display rack. The electronic payment method of claim 3 or 4, wherein the product display position is provided with a two-dimensional barcode or a wireless identification label. The electronic payment method of claim 1, wherein the servo system comprises a commodity server that obtains product information. The electronic payment method of claim 6, wherein the servo system further comprises a financial system that exchanges payment information. The electronic payment method of claim 1, wherein the account information comprises credit information, stored value data or member information of a user recorded in the mobile device. The electronic payment method of claim 8, wherein the shopping data is combined with The account data then forms a string that is transmitted to the servo system, which contains security information. The electronic payment method according to claim 9, wherein after the servo system receives the string, one of the corresponding items is used. The electronic payment method of claim 1, wherein the electronic receipt is a two-dimensional barcode displayed on the mobile device. The electronic payment method of claim 1, wherein the electronic receipt is a wireless identification code stored in a memory of the mobile device. The electronic payment method of claim 11 or 12, wherein the method for forming the electronic receipt further comprises: after the servo system receives the account information and the commodity information transmitted by the mobile device, querying a database, Confirming the correctness of the account information and the product information; in the servo system, setting a product use period; and the servo system calculating the account information, the product information and the product use period to form another word transmitted to the mobile device a string; and after the mobile device receives the other string, the conversion forms the electronic receipt. An electronic payment device comprising: an electronic receipt reading unit for reading an electronic receipt carried by a mobile device; a decryption unit for interpreting information read by the electronic receipt reading unit; a unit, as a data temporary storage area of the information reading device, the data taken by the decryption unit is temporarily stored in the memory unit; a communication unit, wherein the communication unit is connected to a servo system to obtain product information, and Obtaining a payment authorization; and an instruction unit for reminding the completion of the payment authorization; wherein, after the mobile device obtains the product information, the shopping information is formed, and the shopping data is transmitted to the servo system after being combined with an account data, and Computing in the servo system to form the display on the mobile device The electronic receipt; after the electronic receipt is read by the information reading device, decrypts the account and the commodity information; and the information reading device acquires the consumption amount related to the commodity from the servo system, and after confirming the authorization, completes the payment. An electronic payment system comprising: a servo system; a mobile device carrying a software program for executing an electronic payment method; and an information reading device comprising: an electronic receipt reading unit for reading the mobile device An electronic receipt; a decryption unit that interprets the information read by the electronic receipt reading unit; a memory unit as the data temporary storage area of the information reading device, and the data obtained by the decryption unit Temporarily stored in the memory unit; a communication unit, wherein the communication unit is connected to the servo system to obtain product information, and obtains a payment authorization; and an indication unit for reminding the completion of the payment authorization action; wherein After the mobile device obtains the product information, the shopping data is formed, and the shopping data is transmitted to the servo system, and the electronic system is displayed in the servo system to form the electronic receipt displayed on the mobile device; After reading by the information reading device, decrypting generates account and product information; and the information reading device obtains from the servo system Commodity-related spending amount, and after confirming the authorization to complete the payment.