TW201619878A - Method of transacting by using mobile wallet at internet transacting side - Google Patents

Abstract

The invention relates to a method of transacting by using a mobile wallet at an internet transacting side. The method comprises steps as follows: corresponding a phone number to the mobile wallet, wherein the phone number corresponds to a communicating device; inputting a first transacting information to the internet transacting side; inputting the phone number to the internet transacting side; transmitting the first transacting information to the mobile wallet; confirming the first transacting information and generating a second transacting information on the mobile wallet; transmitting the second transacting information from the mobile wallet to a remote-paying system; and approving or disapproving the transaction by the remote-paying system.

Description

Method of trading in a digital wallet with a digital wallet 【0001】

The present invention relates to a method of trading, and more particularly to a method of trading in a digital wallet on a web transaction end.

【0002】

Nowadays, online transactions are becoming more and more popular, and various online stores are booming. After consumers select goods in online stores, if they want to complete the transaction, they need to choose a payment method. Existing payment methods include, for example, automatic teller machine (ATM) transfer or cash on delivery, the fastest and most convenient way to pay by credit card for online transactions. In the prior art, the method of online transaction by credit card includes the following steps: the online store provides a credit card transaction interface; the consumer inputs information about the credit card to be used, such as a credit card number and a credit card expiration date, on the credit card transaction interface. And other information; the relevant information of the credit card is transmitted to the payment institution through the network, such as the issuing bank; the issuing bank confirms the transaction after confirmation. There are still some problems in the above transaction steps. First, the consumer needs to input the relevant information of the credit card one by one, which causes inconvenience in the transaction; in addition, the consumer inputs the relevant information of the credit card to transmit the information to the issuing bank. The process needs to be transmitted over the Internet, which may result in the theft of credit card related information and the risk of the credit card being stolen. From this point of view, the conventional trading method does not reveal further solutions.

[0003]

In view of this, the object of the present invention is to propose a method for trading on a network transaction end by using a digital wallet in order to improve the convenience of transaction and save time, and at the same time, improve the security during transaction. Sex and reduce the risk of information being stolen and credit card stolen.

[0004]

In order to achieve the above object, the present invention provides a method for transposing a digital wallet on a network transaction terminal, comprising the steps of: corresponding to a door number to a digital wallet, wherein the door number corresponds to a communication device; a transaction information in the network transaction end; input the door number in the network transaction end; transmit the first transaction information to the digital wallet; confirm the first transaction information on the digital wallet and generate the second transaction information; The folder transmits the second transaction information to the remote payment system; and the remote payment system confirms whether the transaction is approved.

[0005]

In an embodiment of the invention, the step of confirming the first transaction information on the digital wallet and generating the second transaction information further comprises: selecting a payment method on the digital wallet and generating second transaction information, wherein the second The transaction information includes payment information and first transaction information.

[0006]

In an embodiment of the invention, the remote payment system includes a third-party host and a payment-side host, and the digital wallet and the network transaction end are electrically connected to the third-party host, and the third-party host is electrically connected to the payment-side host.

【0007】

In an embodiment of the invention, the step of transmitting the second transaction information to the remote payment system by the digital wallet further comprises: after the digital wallet transmits the second transaction information to the third party host, the third party host transmits the second transaction. Information to the payment host.

[0008]

In an embodiment of the invention, the step of the remote payment system confirming whether to approve the transaction further comprises: the payment end host confirming whether to approve the transaction and notifying the third party host.

【0009】

In an embodiment of the present invention, the step of the remote payment system confirming whether to approve the transaction further comprises: if the payment terminal host approves the transaction, the third party host respectively transmits the transaction completion message to the digital wallet and the network transaction end; The payment terminal host does not approve the transaction, and the third party host separately transmits the transaction failure message to the digital wallet and the network transaction terminal.

[0010]

In an embodiment of the present invention, the step of inputting the door number in the network transaction end further comprises: selecting, by the network transaction terminal, the payment by the digital wallet.

[0011]

In an embodiment of the present invention, the step of inputting the door number in the network transaction end further comprises: transmitting the first transaction information and the transaction notification generated by the network transaction terminal to the third party host; wherein, when the third party host After confirming the transaction notification, the third party host transmits the first transaction information to the digital wallet.

[0012]

In an embodiment of the invention, the communication device comprises a portable device, and the digital wallet is disposed in the portable device.

[0013]

In an embodiment of the invention, the portable device is substantially a smart phone, and the door number corresponds to a smart phone.

[0014]

The invention provides a method for trading by digital wallet on the network transaction end, which corresponds to the digital wallet and the payment information of the consumer by the door number, so when the consumer pays online, only input The door number does not need to input the card number and expiration date of the credit card one by one, which can improve the convenience of the transaction and save time. In addition, the present invention uses a third-party host as a medium between a payment terminal host, a digital wallet, and a network transaction terminal. Among the information received and transmitted by the network transaction terminal, only the door related to the consumer is related to the consumer. No. The online transaction side does not know the information about the consumer's credit card. The relevant information of the credit card is only transmitted between the digital wallet, the third party host and the payment terminal host, thereby improving the security and reducing the transaction. The credit card related information is stolen and the risk of the credit card being stolen.

[0022]

100‧‧‧ trading system

110‧‧‧Portable device

111‧‧‧Digital wallets

120‧‧‧Internet trading terminal

121‧‧‧Internet store

130‧‧‧Remote payment system

131‧‧‧ Third Party Host

132‧‧‧Payment host

S101‧‧‧Corresponding door number to digital wallet

S103‧‧‧Enter the first transaction information in the online trading terminal

S105‧‧‧Select to pay by digital wallet

S107‧‧‧Enter the door number in the online trading terminal

S109‧‧‧Transfer the first transaction information and transaction notification to the third party host

S111‧‧‧ Third party host confirmation transaction notice

S113‧‧‧Transfer the first transaction information to the digital wallet

S115‧‧‧Select payment method on digital wallet and generate second transaction information

S117‧‧‧Transfer second transaction information to third party host by digital wallet

S119‧‧‧Transfer the second transaction information from the third party host to the payment terminal host

S121‧‧‧Confirm whether the transaction is approved

S123‧‧‧Transfer transaction completion message to digital wallet and internet transaction

S125‧‧‧Transfer transaction failure message to digital wallet and internet transaction

[0015]

BRIEF DESCRIPTION OF THE DRAWINGS Figure 1 is a block diagram of a transaction system in accordance with a preferred embodiment of the present invention.

2 is a flow chart of a method for transposing a digital wallet on a network transaction end according to a preferred embodiment of the present invention.

[0016]

In order to make the objects, features, and advantages of the present invention more readily understood by those of ordinary skill in the art, the following description of the preferred embodiments and the accompanying drawings.

[0017]

Please refer to FIG. 1. FIG. 1 is a block diagram of a transaction system 100 according to a preferred embodiment of the present invention. The transaction system 100 includes a portable device 110, a network transaction terminal 120 and a remote payment system 130. In this embodiment, the portable device 110 is substantially a smart phone; in other embodiments, the portable device may be replaced by another communication device, such as a tablet computer having a communication function. The portable device 110 is held by a consumer, and the portable device 110 has at least one door number. A digital wallet 111 is mounted in the portable device 110. The digital wallet 111 can be used for network transactions. In other embodiments, the digital wallet can be replaced by other application software having the same function. The door number of the portable device 110 corresponds to the digital wallet 111. For example, the consumer can register the door number in the digital wallet 111 in advance. The network transaction terminal 120 includes an online store 121. The network transaction terminal 120 is, for example, a network transaction platform built by a seller in a soft and hardware manner. The network store 121 is, for example, specific to the network transaction platform. store. The remote payment system 130 includes a third party host 131 and a payment terminal host 132. In this embodiment, the third party host 131 is affiliated with a neutral authentication authority, the payment terminal host 132 is affiliated with a credit card issuing bank, and the neutral authentication authority is, for example, independent of telecommunications. The third party organization other than the issuing bank and the issuing bank has established a cooperative relationship, an authentication mechanism and an information transmission mechanism with the communication provider, the seller and the issuing bank. When the transaction system 100 is running, the portable device 110 and the network transaction terminal 120 are electrically connected to the third-party host 131, and more specifically, the digital wallet 111 and the online store 121 are electrically connected to the third-party host 131, respectively. The digital wallet 111 is not directly connected to the network store 121, and the third party host 131 is electrically connected to the payment terminal host 132.

[0018]

Referring to FIG. 2, FIG. 2 is a flow chart showing a method for processing a digital wallet 111 on a network transaction terminal 120 according to a preferred embodiment of the present invention, wherein the method shown in FIG. 2 is applied. 1 is a trading system 100 as shown. In step S101, the consumer pre-corresponds the door number of the portable device 110 to the digital wallet 111, that is, the consumer registers the door number to the digital wallet 111. In step S103, the consumer completes the product purchase and performs the checkout at the online store 121 of the network transaction terminal 120, that is, inputs the first transaction information into the network transaction terminal 120, wherein the first transaction information includes the checkout item. Item and amount. In step S105, the network transaction terminal 120 generates an option of a plurality of transaction modes for the consumer to select, and the consumer selects to pay by the digital wallet 111 at the network transaction terminal 120. Next, in step S107, the network transaction terminal 120 generates a field for inputting the door number, so the consumer inputs the door number to the network transaction terminal 120. In step S109, the network transaction terminal 120 generates a transaction notification according to the door number corresponding to the digital wallet 111, and the transaction notification includes the door number, the store code and the transaction number, and the network transaction terminal 120 transmits The first transaction information and transaction are notified to the third party host 131 of the remote payment system 130.

[0019]

In step S111, the third party host 131 first confirms the transaction notification. In other words, after the third party host 131 confirms the sender identity and transaction data of the transaction notification, the process proceeds to step S113. In step S113, the third party host 131 transmits the first transaction information to the digital wallet 111 on the portable device 110. In step S115, the consumer receives the first transaction information on the digital wallet 111 on the portable device 110. Therefore, the consumer can confirm whether the content of the first transaction information is correct through the digital wallet 111 of the portable device 110. For example, the information such as the check item, the quantity and the amount is checked, and if the confirmation is correct, the payment method may be further selected, for example, the near field communication that the consumer has previously logged in to the portable device 110 (Near field communication) , NFC) Virtual credit card in the Secure Element (SE), but is not limited to this. After the consumer selects the payment method and confirms the payment, the portable device 110 generates the second transaction information, wherein the second transaction information includes the payment information and the first transaction information, and the payment information includes the credit card number and the credit card expiration. Information such as the date and security component authentication code (SEID).

[0020]

In step S117, the digital wallet 111 transmits the second transaction information to the third party host 131 through the portable device 110, and then proceeds to step S119, and the third party host 131 complies with the request of the acquiring bank (ie, the issuing bank of the credit card). And transmitting the second transaction information to the payment terminal host 132 and submitting a transaction request. In step S121, the payment terminal host 132 of the remote payment system 130 confirms whether to approve the transaction. If the transaction is approved, the process proceeds to step S123, and the payment terminal host 132 notifies the third party host 131 that the third party host 131 transmits the transaction separately. Completing the message to the digital wallet 111 and the network transaction terminal 120, so that the consumer and the seller can know the transaction result; if the transaction is not approved in step S121, then proceeding to step S125, the payment terminal host 132 notifies the third party host. 131. The third party host 131 transmits a transaction failure message to the digital wallet 111 and the network transaction terminal 120, respectively.

[0021]

While the present invention has been described above in terms of the preferred embodiments thereof, it is not intended to limit the invention, and the present invention may be modified and modified without departing from the spirit and scope of the invention. The scope of protection is subject to the definition of the scope of the patent application.

S101‧‧‧Corresponding door number to digital wallet

S103‧‧‧Enter the first transaction information in the online trading terminal

S105‧‧‧Select to pay by digital wallet

S107‧‧‧Enter the door number in the online trading terminal

S109‧‧‧Transfer the first transaction information and transaction notification to the third party host

S111‧‧‧ Third party host confirmation transaction notice

S113‧‧‧Transfer the first transaction information to the digital wallet

S115‧‧‧Select payment method on digital wallet and generate second transaction information

S117‧‧‧Transfer second transaction information to third party host by digital wallet

S119‧‧‧Transfer the second transaction information from the third party host to the payment terminal host

S121‧‧‧Confirm whether the transaction is approved

S123‧‧‧Transfer transaction completion message to digital wallet and internet transaction

S125‧‧‧Transfer transaction failure message to digital wallet and internet transaction

Claims (10)

[Item 1] A method of trading in a digital wallet on a digital transaction end, including:
Corresponding to a door number to the digital wallet, wherein the door number corresponds to a communication device;
Entering a first transaction information in the network transaction end;
Enter the door number in the network transaction end;
Transmitting the first transaction information to the digital wallet;
Confirming the first transaction information on the digital wallet and generating a second transaction information;
The second transaction information is transmitted by the digital wallet to a remote payment system; and the remote payment system confirms whether the transaction is approved. [Item 2] The method for processing a digital wallet on a network transaction terminal according to the first aspect of the patent application, wherein the step of confirming the first transaction information on the digital wallet and generating the second transaction information further comprises:
Selecting a payment method on the digital wallet and generating the second transaction information, wherein the second transaction information includes a payment information and the first transaction information. [Item 3] The method for transposing a digital wallet on a network transaction end as described in claim 2, wherein the remote payment system comprises a third party host and a payment terminal host, the digital wallet and the network The transaction terminal is electrically connected to the third party host, and the third party host is electrically connected to the payment terminal host. [Item 4] The method for transposing a digital wallet on a network transaction terminal according to item 3 of the patent application scope, wherein the step of transmitting the second transaction information to the remote payment system at the digital wallet further comprises:
After the digital wallet transmits the second transaction information to the third party host, the third party host transmits the second transaction information to the payment terminal host. [Item 5] The method for transposing a digital wallet on a network transaction terminal according to item 4 of the patent application scope, wherein the step of the remote payment system confirming whether to approve the transaction further comprises:
The payment terminal host confirms whether the third party host is notified after the transaction is approved. [Item 6] The method for transposing a digital wallet on a network transaction end as described in claim 5, wherein the step of the remote payment system confirming whether to approve the transaction further comprises:
If the payment terminal host approves the transaction, the third party host respectively transmits a transaction completion message to the digital wallet and the network transaction terminal; and if the payment terminal host does not approve the transaction, the third party host respectively transmits a transaction failure message To the digital wallet and the network transaction end. [Item 7] For example, in the method of claim 3, the digital wallet is used for trading on the network transaction end, wherein the step of inputting the door number in the network transaction end further comprises:
On the network transaction side, choose to pay by the digital wallet. [Item 8] The method for transposing a digital wallet on a network transaction end according to claim 7 of the patent application scope, wherein the step of inputting the door number in the network transaction end further comprises:
Transmitting the first transaction information and a transaction notification generated by the network transaction terminal to the third party host;
The third party host transmits the first transaction information to the digital wallet after the third party host confirms the transaction notification. [Item 9] The method of transposing a digital wallet on a network transaction end according to the first aspect of the patent application, wherein the communication device comprises a portable device, and the digital wallet is disposed in the portable device. [Item 10] The method for transposing a digital wallet on a network transaction end according to claim 9 of the patent application scope, wherein the portable device is substantially a smart phone, and the door number corresponds to the smart phone.