TW201705055A - Transaction method using a mobile device, and transaction system thereof - Google Patents

Abstract

The disclosure is related to a transaction method using a mobile device, and a transaction system thereof. In the method, a transaction device is activated to generate a transaction code for a user operating a mobile device to read. Then transaction content is created in the mobile device. The transaction content is such as a transaction amount input by the transaction device, or the content input in the mobile device. In the mobile device, a program is incorporated to generate an authentication code based on the transaction code, transaction content and/or a user ID. The authentication code and related data are transmitted to an authentication system. The authentication system is introduced to perform authentication for the present transaction. The transaction can be completed when the authentication is successful, or terminated when the authentication fails.

Description

Method and transaction system for executing transactions using mobile devices

The present invention is an action transaction method and system, and more particularly, a transaction method for transaction and verification using a mobile device, and a transaction system including a program executed in a mobile device and a verification system.

ATMs or cash machines, often referred to as ATM (automatic teller machine), allow users to easily withdraw cash, but when they withdraw cash, they also create opportunities for gangsters, for example, if there are gangsters At this time, the ATM card is robbed, and at the same time, the withdrawal password is acquired, and cash is obtained. It is too simple and safe to use the security and confidentiality of the cash withdrawal card with a few yards of passwords.

In order to enhance the security at the time of transaction, including general shopping transactions, automatic teller withdrawals, etc., the present invention proposes a transaction method and a transaction system executed by a mobile device, one of the purposes of which is to carry the user through the transaction before the transaction is completed. The mobile device performs a verification procedure, and the transaction is completed after the third-party verification unit proves the identity, which can improve the transaction security, and even if any of the devices is lost or stolen, the property can be ensured without loss.

According to an embodiment, wherein the main steps of the transaction method comprise prior to a transaction device The transaction code is generated by triggering, the transaction code includes a conversation code, or may include the transaction content input by the user. Then, after the transaction device starts a transaction program to read the transaction code, a transaction content is formed on the mobile device. Then, in the mobile device, a verification code is generated by using the transaction code, the transaction content and/or a user identification information, and the verification code and at least the user identification information are transmitted to a verification system, and the verification system is based on the user identification information. After obtaining the information corresponding to the calculation, the verification is performed, and after the verification system completes the verification, the transaction process is ended. When the verification is successful, it means that the transaction program to be executed can be completed, and vice versa, the transaction will be aborted.

According to an embodiment, the step of the mobile device generating the verification code comprises first extracting a value generated when registering in the verification system, and then using the planting, introducing the chat code, transaction content and user identification information read from the transaction device to The algorithm operation produces a verification code.

In the verification system for verifying, the system identification value is obtained according to the user identification information transmitted by the mobile device, and at least one user-side verification is performed to obtain at least one user-side verification of the verification code received by the mobile device. code.

The transaction system embodied in the disclosure includes the transaction program executed in a mobile device, the program instructions executed in the transaction device, and the verification program executed in a verification system.

The main program instructions executed in the transaction device include an instruction that triggers the generation of a transaction code and an instruction that receives the verification result transmitted from the verification system.

The instructions executed by the transaction program in the mobile device include: an instruction to read a transaction code generated by the transaction device from the transaction device, an instruction to form a transaction content, a transaction code, a transaction content, and/or a user identification information operation. An instruction of the verification code, and an instruction to transmit the verification code and at least the user identification information to the verification system.

The verification program executed by the verification system includes instructions for receiving a verification code from the mobile device, an instruction for generating a system-side verification code, an instruction for comparing the verification code with the system-side verification code, and generating a verification result. An instruction transmitted to the trading device.

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 are to be considered in all respects as illustrative and not restrictive

10‧‧‧Automatic Teller Machine

101‧‧‧2D barcode

103‧‧‧ Code

105‧‧‧Withdrawal export

12‧‧‧Mobile devices

121‧‧‧2D barcode

125‧‧‧Transaction content

14‧‧‧ cash register

143‧‧‧1D barcode

123‧‧‧1D barcode

127‧‧‧ transaction content

129‧‧‧2D barcode

107‧‧‧2D barcode

109‧‧‧ Enter the amount

50‧‧‧Mobile device trading program

501‧‧‧transaction code reading module

503‧‧‧Display module

505‧‧‧Transaction content forming module

507‧‧‧ verification code generation module

509‧‧‧Communication module

52‧‧‧ trading device

521‧‧‧transaction code generation module

523‧‧‧Display module

525‧‧‧ transaction amount acquisition module

527‧‧‧Verification result acquisition module

54‧‧‧ verification system

541‧‧‧Verification Code Acquisition Module

543‧‧‧ verification module

545‧‧‧Database Module

547‧‧‧Network Module

60‧‧‧ mobile devices

601‧‧‧User Identification Information

603‧‧‧ machine code

605‧‧‧Kebe

607‧‧‧ transaction amount

609‧‧‧transaction password

61‧‧‧ trading device

62‧‧‧ verification system

611‧‧‧Read transaction code

613‧‧‧Transfer transaction code

615‧‧‧Transfer verification code

617‧‧‧Transfer verification results

71‧‧‧ trading device

72‧‧‧ Equipment line

73‧‧‧ integrated platform

74‧‧‧ Issuing bank

711‧‧‧Read transaction code

713‧‧‧Transfer transaction code

715‧‧‧Transfer verification code

717‧‧‧Inter-bank transaction authorization

718‧‧‧ inter-bank transaction authorization

719‧‧‧Reply verification results

720‧‧‧Reply verification results

721‧‧‧Reply verification results

731‧‧‧Read transaction code

733‧‧‧Transfer verification code

735‧‧‧Transfer transaction code

737‧‧‧Confirm authorization

738‧‧‧Confirm authorization

739‧‧‧Authorized transaction

81‧‧‧Mobile devices

82‧‧‧ trading device

83‧‧‧ verification system

801‧‧‧Read the chat code

803‧‧‧Transfer chat code

805‧‧‧Restoring code for transaction amount, item and user identification information calculation

807‧‧‧Reply verification results

91‧‧‧Commodities

92‧‧‧ mobile devices

93‧‧‧ Trading device

94‧‧‧Verification system

901,902,903‧‧‧Read product identification code

905‧‧‧Exchange transaction information

907‧‧‧Transfer chat code

909‧‧‧Send the sum of the sum of the amount, the item and the user identification information

911‧‧‧Reply verification results

111‧‧‧User device

112‧‧‧ trading platform

113‧‧‧ verification system

1111‧‧‧Select goods

1112‧‧‧Read transaction code

1113‧‧‧Transfer chat code

1114‧‧‧Transfer verification code

1115‧‧‧Reply verification results

1116‧‧‧Complete the transaction

Step S201~S209‧‧‧ Flow of executing the transaction using the mobile device

Step S301~S315‧‧‧ Flow of executing the transaction using the mobile device

Step S401~S415‧‧‧ Flow of executing a transaction using a mobile device

1A shows one of the schematic diagrams of a method implementation scenario of a method for performing a transaction using a mobile device according to the present invention; FIG. 1B shows a second schematic diagram of a method for implementing a transaction using a mobile device according to the present invention; FIG. 1C shows a method implementation scenario for performing a transaction using a mobile device according to the present invention. FIG. 2 is a flow chart showing an embodiment of a method for executing a transaction using a mobile device according to the present invention; FIG. 3 is a flow chart showing an embodiment of a method for performing a transaction using a mobile device according to the present invention; and FIG. 4 is a view showing a method for executing a transaction using a mobile device according to the present invention. Embodiment FIG. 5 is a functional block diagram of an embodiment of the present invention for executing a transaction system using a mobile device; FIG. 6 is a diagram showing one embodiment of a flow of the present invention using a mobile device to execute a transaction method; FIG. 7A shows the present invention using a mobile device. FIG. 7B shows a third embodiment of a flow of a method for executing a transaction using a mobile device according to the present invention; FIG. 8 shows a fourth embodiment of a flow of a method for performing a transaction using a mobile device according to the present invention; FIG. 9 shows the present invention. Example 5 of the process for executing a transaction method using a mobile device Figure 10 shows a sixth embodiment of the process of the present invention for executing a transaction method using a mobile device.

The present invention proposes a method for executing a transaction using a mobile device, a transaction system, and program instructions for executing a related program in the system, the method and system of which can be applied to an ATM (automatic teller machine), and perform cashier execution. The use of POS (point of sales), vending machines, Kiosk for various convenience transactions, etc., allows users to determine the transaction content through the mobile device, and then verify it through a third-party verification unit, in addition to providing transaction convenience. In addition to the benefits, it also enhances the security of the transaction, so as not to partially verify the property loss when the information is captured or stolen in the transaction process.

BRIEF DESCRIPTION OF THE DRAWINGS Reference may be made to the usage context diagrams presented in Figures 1A, 1B and 1C, which schematically illustrate the associated use of the method and system for performing transactions in a mobile device in accordance with the present invention.

As shown in FIG. 1A, an automatic teller machine 10 is presented. When a user wants to execute a transaction through the ATM 10, such as a withdrawal, deposit, transfer, etc., a trigger button on the screen of the ATM 10 can be first transmitted. Initiating a transaction procedure, for example, this is a cardless withdrawal service, the user can trigger a cardless withdrawal function, and the automatic teller machine 10 will use a one-dimensional barcode, a two-dimensional barcode, an alphanumeric string, and wireless coding. (such as NFC wireless code) or graphical means a transaction code, which mainly contains a session code indicating the transaction process, this example presents the transaction code in the form of a two-dimensional barcode 101. The content of the chat code is such as a number, an alphanumeric string, or a specific encoding.

In this example, the transaction code is represented by a two-dimensional barcode 101, and can still be represented by a string code 103, so that the user device cannot read the two-dimensional barcode 101, and the string code 103 can be input on the mobile device 12. After the user operates the mobile device 12, the relevant verification program is executed, the camera module is turned on, and the two-dimensional barcode 101 is captured, which is generated on the device 12. The 2D barcode 121 displayed on the display (or only when shooting, but without displaying the scan result) can be used to identify the information contained in the software. Then, the user needs to input the transaction content 12, such as the transaction amount, the transaction item, and the like on the input interface of the mobile device 12, and then combine the chat code read from the transaction code with the user identification information recorded by the mobile device 12, The mobile device 12 may generate a verification code by partial or any combination of information related to hardware information (this may be used as a user or its device), security authentication data, and transaction content input on the mobile device 12, and then transmitted to the verification code. The verification server can withdraw money from the money discharge outlet 105 after successful verification. Details will be described below.

In another embodiment, as shown in FIG. 1B, the method and system for executing a transaction using a mobile device of the present invention can be applied to a transaction procedure at the time of general shopping payment. This example shows a consumer or a cashier in a transaction device (such as a POS). The cash register device 14) performs checkout, and the transaction device starts a transaction program to display the one-dimensional barcode 143 of the example. After the transaction device starts the transaction program, the camera function is turned on to scan the one-dimensional barcode 143, and the mobile device 12 is turned on. The one-dimensional bar code 123 in the shooting is displayed on the top.

After reading the one-dimensional barcode 123, a transaction code is formed, and the transaction program continues to start the input interface, allowing the user to confirm the transaction content 127, or inputting the content. After confirmation, the algorithm in the transaction program is the transaction content 12, For example, the transaction amount, the transaction item, the chat code, the user identification information, the related hardware information of the mobile device 12, the security authentication data, etc., may be generated in part or in any combination to generate a verification code, and then transmitted to the verification. The server is verified by the verification server. After the verification is successful, the transaction will be settled.

The method for executing a transaction using a mobile device disclosed in the disclosure realizes that in the embodiment of cardless withdrawal, an embodiment in which the transaction amount is input on the automatic teller machine is still not excluded, as shown in the implementation scenario shown in FIG. 1C.

When the transaction program is started, the ATM 10 provides an input interface for inputting an input amount 109 to the user before displaying the transaction code indicated by the two-dimensional barcode 107, so that the automatic teller machine 10 uses an algorithm to represent the conversation of the current transaction program. Code State or dynamic generation), transaction amount, or hardware serial number that can be added to the automated teller machine 10, combined or calculated to generate a transaction code, such as a two-dimensional barcode 107 displayed on the display of the automated teller machine 10.

Then, the user operates the mobile device 12 to start the related transaction program, and can start the corresponding reading function according to the type of the transaction code (a one-dimensional barcode, a two-dimensional barcode, a wirelessly encoded signal, an alphanumeric string or a graphic, etc.). As shown in the figure, the camera function is activated to read the two-dimensional barcode 107 displayed by the automated teller machine 10, and as shown in the two-dimensional barcode 129 on the mobile device 12, the transaction code contains information such as the conversation code and the transaction content. The transaction program of the device 12 then forms a verification code based on the transaction code information operation, and after transmitting to the verification system for verification, if the verification is successful, the automated teller machine 10 is notified to confirm the authorization and the cash of the transaction amount is output from the money discharge outlet 105. The verification code generated by the calculation on the mobile device 12 can be generated according to the current conversation code, the transaction content, the user identification information recorded by the mobile device 12, the hardware information related to the mobile device 12, and the security authentication data. And in the information transmitted to the verification system, the verification code is used to verify the identity of the user (including the mobile device used), and also transmits the user as recorded in the current transaction content, the conversation code, and the mobile device 12. The identification information, the mobile device 12 related hardware information, and the security authentication data (some of which may be combined) may be used by the verification system to obtain the information required by the algorithm.

The main steps of the method for performing a transaction using the mobile device disclosed in the present disclosure may refer to the flowchart of the embodiment shown in FIG. 2.

According to the foregoing several embodiments, the user can directly input the transaction content (mainly, the amount, etc.) on the transaction device (Automatic Teller Machine (ATM), the point of sale terminal (POS) that executes the cash register transaction, the vending machine, various Kiosks, etc.). Point, discount information, etc.), or enter the transaction content on the mobile device, no matter what way to enter the transaction content, and finally combine the current chat code, transaction content, mobile device recorded user on the mobile device The verification code is generated by calculating various possible combinations of information such as information, mobile device related hardware information, and security authentication data.

The main transaction method step flow begins as step S201, the operating mobile device reads the transaction code on the transaction device, and the transaction code may carry a session code indicating the current transaction, or may include the transaction amount.

At this time, in step S203, the transaction content is formed in the mobile device, which may include the self-read transaction code, or the user inputs the transaction content on the mobile device. Therefore, the mobile device reads and derives the information in the transaction code, and uses the specific transaction program of the mobile device to combine various possibilities of information such as user identification information, mobile device related hardware information, and security authentication data recorded by the mobile device. The verification code is generated by combining and calculating, as in step S205.

According to an embodiment, the generation of the verification code may be performed by using a seed or a key generated when registering with the verification system, and being stored in one of the memory modules of the mobile device, and another being identified by the user when registering. The system-side values or keys generated by the information symmetry are stored in the database of the verification system. The transaction program on the mobile device can take out the planting in the memory module, and generate an algorithm based on the combination of the conversation code, the transaction content, the mobile device related hardware information, the user identification information, and the security authentication data information. .

When the type of value used by the mobile device to generate the verification code is registered at the verification system end, the verification system may request the user to transmit personalized information, such as hardware information (hardware serial number) of the mobile device used by the user, such as Hardware-related code (such as phone number, International Mobile (IP), etc.), network hardware information, etc., can also be used for communication of near field communication (NFC) circuits supported by mobile devices. Information; personal information does not exclude general information provided by users, such as user profiles, or a set of pin code, or a virtual account, such as the account provided by the system, game server One of the personalized information, or a combination, can be a source of seed data. In this way, the value generated by the personalized information is therefore unique, and different devices or users can obtain different kinds of values, and are non-portable, that is, they cannot be used after changing devices. The value can be a string, verified After the server (or other host) is generated, it may be stored in the personalization device and the verification server respectively; or in another embodiment, the value is generated by a specific algorithm based on the predetermined information. This method can avoid the problems caused by improperly stolen seed values.

On the verification system side, when receiving the verification code transmitted by the mobile device and the user identification information at least identifying the identity of the user or its device, the symmetric species generated by the user registration may be retrieved from the database. The value or its key, in the same or a symmetric algorithm, the information transmitted by the mobile device is calculated against the string of the verification code (system-side verification code), as follows.

In step S207, the verification code is transmitted to and at least the user identification information is sent to the verification system. In step S209, the verification system receives at least the user identification information, and may further include the current conversation code, the transaction content, and the mobile device related hardware information ( This can be used as a user identification information, security certification data and other information, the system is based on a combination of all or part of the information to get the corresponding algorithm symmetry of the value (or symmetric key), to all possible The information combination calculation obtains a verification string of the verification code received from the mobile device, so that it can be verified based on the operation result whether the verification code is from an authorized mobile device.

After that, the verification system compares the verification code transmitted by the mobile device and the system-side verification code, and then obtains the verification result and ends the transaction process. A successful verification means that the transaction can continue until the transaction is successful; if the verification fails, the transaction is aborted.

It is worth mentioning that the message transmission method of the above mobile device and verification system can be carried out by the network notification technology. The information exchange during the period can also ensure the information security by the agreement between the two parties. The embodiment also adopts a specific encryption and decryption technique when the information is transmitted by the parties, but is not intended to limit the scope of the implementation of the present invention.

3 shows a flow chart of one of the embodiments of the method of the present invention for performing a transaction using a mobile device.

Initially, as in step S301, the user can make a display on the transaction device. The user interface triggers the transaction device to begin executing the transaction process, including prompting the user to fill in the transaction amount in a particular field in the interface, such as the payment amount at the checkout, or the amount of cash that can be withdrawn at the ATM.

Then, in step S303, the program operation in the transaction device forms a transaction code according to the conversation code indicating the transaction and the input transaction content (transaction amount, points, preferential information, virtual account number, etc.), and the transaction code is a one-dimensional barcode. , 2D barcode, one-digit string, wireless code or graphic representation.

Then, in step S305, the transaction code is read by the mobile device, for example, the read command installed in the transaction program in the mobile device is opened, and the transaction code displayed on the transaction device is read, for example, the QR code scanning program is started to read the 2D barcode. Or start the NFC reader to read the wireless signal generated in the transaction device. Another method is to input to the mobile device based on the alphanumeric string displayed on the transaction device.

Then, in step S307, the transaction content is formed on the mobile device, and the transaction content may include the transaction amount or the purchase item and the like, and the transaction content may become one of the basic parameters for forming the verification code. In step S309, the verification code is formed by the transaction program and the user identification information by the program in the mobile device. The step of forming the verification code includes first extracting a value generated when registering in the verification system, and the planting can be stored in one of the memory modules of the mobile device, and then using the planting, introducing at least the foregoing conversation code, transaction content, and The user identifies all or part of the combination of information, and generates an authentication code by an algorithm operation. Other parameters that form the verification code may also include hardware information of the mobile device, user security verification password (transaction password), etc., depending on actual needs.

In step S311, the verification code is transmitted to the verification system, and the personalized information required by the verification system, such as the user identification information at the time of registration, the card information, or the current transaction information, such as the transaction time, may be transmitted. The hardware serial number (code) of the device, or / and the chat code indicating the transaction at this stage, etc., so that the verification system can extract the system end value according to the personalized information, or does not exclude the way in which the instant operation generates the seed value, and needs Get the parameters needed for the operation.

When the verification system calculates the verification code formed on the system side according to the information transmitted by the mobile device, as a basis for verifying the verification code transmitted by the mobile device, in step S313, the system will generate a verification result and notify the transaction device corresponding to the transaction, such as steps. S315, the transaction process ends.

A flow chart of a method embodiment of the present invention for executing a transaction using a mobile device according to FIG. 4, wherein the transaction content is input by the mobile device, that is, the transaction device is based only on the transaction code indicating the chat code of the transaction program, or Is the transaction code representing the transaction device, such as the hardware serial number of the device. In step S401, the transaction device generates the transaction code without computing the transaction code according to the user input data.

Thereafter, as in step S403, the transaction code is read by the mobile device. At this time, in step S405, a user interface for inputting transaction contents (such as amount, number of points, transaction items, etc.) is generated on the mobile device, and the transaction content is formed by input, as by step S407.

Then, the transaction program executed in the mobile device can generate a verification code according to at least the transaction content and the user identification information, or in another embodiment, according to the conversation code, the transaction content, the hardware signal, the security verification information, and the use. The all or part of the combination of the identification information is operated to form a verification code, as by step S409.

In step S411, the mobile device transmits the verification code to the verification system according to the verification system information recorded in the transaction program, and also needs to transmit relevant information forming the verification code, that is, the conversation code, the transaction content, the hardware signal, and the security verification. The information and the combination of information of all or part of the user identification information enable the verification system to obtain the value required for the corresponding algorithm, and calculate the verification code of the system side, including the value obtained by the instant operation, as the verification mobile device. The purpose of the information. Next, in step S413, the verification device is generated to notify the transaction device, and the result includes the verification success, the transaction is completed and the transaction process is ended; or the verification fails, and the transaction process is terminated, as in step S415.

The present invention, shown in Figure 5, uses a mobile device to perform a functional block diagram of an embodiment of a transaction system in which the functions represented by the various blocks can be implemented in software or circuitry. In the case of a software implemented embodiment, the transaction system includes a transaction process executed within the mobile device The program instructions executed in the transaction device and the verification program executed in the verification system are described below.

The mobile device transaction program 50 executed in the mobile device has the following instructions according to the function: the transaction code reading module 501 is an instruction for reading the transaction code generated by the transaction device from the transaction device, including the scan program can be read and displayed on the display. One-dimensional bar code on the screen, or wireless communication to read wireless coding.

The display module 503 displays the read information on the display screen of the mobile device, or inputs the transaction content or other data through the displayed user interface.

The transaction content formation module 505 is an instruction for forming a transaction content, and the transaction content can be parsed from the information in the transaction code or the transaction content input by the user on the mobile device.

The verification code generation module 507 is an instruction capable of generating a verification code by using a transaction code, a transaction content, and/or a user identification information operation, wherein an algorithm may be provided, which is an algorithm that has been loaded when the transaction program is installed, and is symmetric. To verify the algorithm on the system side, both parties can calculate the verification code and perform authentication through the comparison.

The communication module 509 is an instruction for forming the transmitted data. The communication module of the mobile device can transmit the verification code and at least the user identification information to the verification system by using the communication device of the mobile device.

The associated function module in the transaction device 52 includes a transaction code generation module 521 that is triggered to generate a transaction code. The other module is a display module 523 for displaying information such as a one-dimensional bar code, a two-dimensional bar code, an alphanumeric string or a graphic, and an transaction amount obtaining module 525 for displaying an interface for inputting a transaction amount by a user in an embodiment. The verification result acquisition module 527 or the like that receives the instruction of the verification result generated by the verification system.

In the verification system 54, the verification program for performing verification includes, for example, a verification code acquisition module 541 for receiving an instruction of the verification code transmitted from the mobile device; and a verification module 543 for performing the verification step, including the operation to generate a system-side verification code. Instruction, comparison and proceeding The comparison command is used to compare the verification code with the system side verification code, and has an instruction to generate a verification result and transmit it to the transaction device. The verification system 54 is a servo system for multi-person verification, and can process a large number of verification requests. Therefore, a database module 545 can be provided for recording verification information of multiple people, such as a value. The verification system 54 is provided with a network module 547 that accepts and transmits packet data.

The embodiment shown in the above disclosure of the present invention for implementing a transaction method using a mobile device can refer to the flow shown in FIG. 6.

The figure shows a flow chart of the verification process performed by the mobile device 60 when the transaction is executed. The transaction process starts, the transaction code is generated by the transaction device 61, and the mobile device 60 starts the transaction program and then reads the transaction code (step 611), and the transaction device 61 may also transmit the transaction code to verification system 62 (step 613), which primarily carries the chat code identifying the transaction.

The mobile device 60 is provided with a transaction program for executing the process, and can be implemented by means of an action software (APP), an executable file, an application program, etc., wherein the interface displays user identification information 601 using the device and the transaction program, and A machine code 603 indicating the hardware serial number of the transaction device 61 is displayed. In an embodiment, the user does not exclude that there are multiple credit cards, stored value cards, cash cards, etc., and the program interface also provides the consumer with the option to select the card 605 when conducting the transaction.

The transaction amount 607 can be displayed on the program interface of the mobile device 60, and the transaction password 609 can be added if necessary to increase security. When the transaction amount is an implementation entered on the transaction device, the value in the transaction amount 607 field can be parsed from the read transaction code; if the transaction amount is entered on the mobile device 60, the transaction amount 607 The information can be brought in through this program.

The mobile device 60 can then calculate the verification code according to the information obtained by the transaction program, for example, by using all or part of the information of the user identification information 601, the machine code 603, the card 605, the transaction amount 607, and the transaction password 609. The verification code, verification code and associated personalized information will be transmitted to the verification system 62 (step 615).

Next, the verification system 62 will perform verification according to the received information, including obtaining the system end value (including pre-storage and real-time calculation) to obtain the system-side verification code, comparing the verification code received from the mobile device 60, and finally transmitting the verification result. Returning to the transaction device 61, thereby indicating whether or not authorization for subsequent transactions is performed (step 617).

FIG. 7A depicts an embodiment of a process for applying a transaction method to an inter-bank transaction using a mobile device.

In this example, the mobile device 60 also executes a transaction program as shown in FIG. 6, and obtains various information as shown in the figure through the transaction program, including user identification information 601, machine code 603, card 605, transaction amount 607, and transaction password. 609, which may also include a virtual account provided by the system, and the information is obtained from the user input or obtained from the transaction device 71. In an embodiment, the user operates the mobile device in front of the ATM, and the transaction is performed in a cardless manner, such as interbank transfer or cash withdrawal.

At the beginning of the step, the mobile device 60 reads the transaction code from the transaction device 71 (step 711). The transaction code is mainly the chat code generated by the transaction device 71, or the embodiment described in FIG. The transaction amount is filled in (automated teller machine); in another embodiment, as in the embodiment shown in FIG. 4, the user is not required to enter the transaction amount on the transaction device 71. At the same time, the transaction device 71 can transmit the transaction code to the system providing the relevant financial service and verification service (such as the device line 72, the integration platform 73 and the issuer 74 covered by the dotted line in the figure), in this case, the transaction code is transmitted to The device line 72, that is, the vendor that provides the transaction device 71, such as a particular financial institution.

When the user operates the transaction program of other financial institutions (such as the issuing bank 74) on the transaction device 71 provided by the device row 72, the authentication and authorization of the service exchange is performed through an integration platform 73, and the present invention proposes Third party verification mechanism, this part is like the verification system of the previous embodiment. The issuing bank 74 is such as a user to transfer money, a withdrawal bank or a financial institution. The integration platform 73 performs the format conversion of the two parties in the authentication and authorization of the service exchange in this example, and performs the functions of clearing and message transfer.

After the transaction device 60 executes the transaction program to read the transaction code (711) and obtains the transaction content, the information available on the mobile device is displayed as shown in the figure, so according to the funds All or part of the combined calculus of the message forms a verification code, and all or part of the personalized information is transmitted to the verification system side, which may be a virtual account number (step 715). This example shows a cross-bank transaction procedure where the verification code and related information is passed to the issuer 74 for verification. The generation and comparison of the system side verification codes can be referred to the above embodiments.

When the transaction device 71 provided by the user operating device row 72 performs an inter-bank transaction, the transaction device 71 can transmit the transaction code 713 to the device row 72, and the device row 72 will transmit the request for the inter-bank transaction authorization (717, 718) to the card issuer via the integration platform 73. 74. At this point, the issuing bank 74 has obtained the verification related information from the mobile device 61, and the verification result will reply the verification result to the source device row 72 via the integration platform 73 according to the request for the inter-bank transaction authorization (steps 719, 720). When the verification result is passed, it indicates that the subsequent transaction procedure can be continued, and the verification result is returned by the device line 72 to the transaction device 71 (step 721), which is an authorization authentication, which is processed by the computer system in the transaction device 71, indicating that the transaction is completed, This can be a message showing the success of a cross-bank transfer, or an embodiment of cash withdrawals.

Figure 7B then shows another transaction flow embodiment under the architecture of the present system. As shown in FIG. 6 and FIG. 7A, the mobile device 60 may first obtain various information through the transaction program, which is obtained from the user input or obtained from the transaction device 71, including reading the transaction code from the transaction device 71 (step 731) At the same time, the transaction device 71 may also transmit the transaction code to the belonging device row 72 in the inter-bank transaction procedure (step 735).

In this process, the mobile device 60 also forms a verification code according to the combination of various information, and transmits it to the issuing bank 74 for verification along with some necessary personalized information (step 733). Unlike the flow of FIG. 7A, the issuing bank 74 directly performs verification. And forming authorization information, transmitting the confirmed authorization message to the device row 72 via the integration platform 73 (step 737), the device row 72 compares the information from the transaction device 71, and finally transmits the authorization transaction message ( Step 739).

The present invention uses a mobile device to execute a transaction method that can be applied to a transaction program with another device, such as a vending machine, another mobile device, etc. The device, that is, the consumer can use the mobile device to directly perform the transaction between the two devices, such as the amount transfer, the point exchange, etc., and the process embodiment can refer to FIG. 8.

When the consumer approaches the transaction device 82, the mobile device 81 can be operated to execute the transaction program, such as a vending machine, kiosk, or another mobile device.

If a fixed device (such as a vending machine, Kiosk) is taken as an example, the transaction device 82 can post a conversation code about the information of the transaction device, and can be presented in a one-dimensional barcode, a two-dimensional barcode or a graphic, and does not exclude the adoption. Technical implementation of wireless communication coding. The chat code can be displayed on the transaction device 82 in a static manner, and it is not excluded that the vending machine is provided with a display for displaying a timed update or a chat code generated by an instant trigger.

When the operating device 81 reads the chat code on the transaction device 82 (step 801), it is not excluded that the transaction device 82 also transmits the message to the verification system 83 (step 803). After that, the consumer can input the item and price in the transaction device 82 to be purchased on the transaction program initiated by the mobile device 81, which is the transaction content that provides the verification code for the calculation, and the other can also combine the user identification data and the mobile device. Code, transaction password and other information, using some or any combination of these information to generate a verification code, and transmitting the transaction amount, item and user identification information calculation verification code (or may include chat code, user identification information, etc.) to verify System 83 (step 805). The transaction is then verified by the verification system 83 to generate a system side verification code corresponding to the user or device. The verification result will be replied to the transaction device 82, and the verification is successful. This is an authorization authentication. The computer host in the transaction device such as the transaction device 82 will process the authorization to automatically output the selected item; if the verification fails, the transaction program is terminated and the transaction can be displayed. Failed message.

Wherein, when the consumer operates the mobile device 81 to read the transaction code on the transaction device 82, in addition to the above, the transaction item can be selected or filled in with the relevant item and the transaction amount, and each transaction device 82 (such as a vending machine) Each shelf item can be attached with information about the item, including name, number, price, etc. The mobile device can scan the 2D barcode on the item of interest, which is the transaction content of the specific item, which can be quickly verified and authorized.

Taking the transaction device 82 as another mobile device, the transaction device 82 can generate a chat code about the transaction and form a transaction code for executing the transaction. The transaction code can also be a one-dimensional barcode, a two-dimensional barcode, or a wireless code. Or graphically presented, and read by the mobile device 81. At this time, the user can input the transaction content to be exchanged with the transaction device 82, such as point transfer, transfer, etc., on the transaction program initiated by the mobile device 81. Provide a calculation to generate a verification code, and also combine other information to generate a verification code. Next, the mobile device 81 transmits the verification code to the verification system 83, and the verification system 83 generates a system-side verification code corresponding to the user or device to verify the transaction. The verification result will be replied to the transaction device 82, and if the verification is successful, the transaction is authorized to be executed, for example, the point transfer is successful, or the transfer is successful. During this period, the transaction device 82 may or may not need to be connected to the network, and the mobile device 81 completes the entire process.

Thereafter, since the transaction device 82 of this example does not need to be connected to the network during the transaction, once the transaction device 82 of another mobile device completes the transaction, the software program can update the account number or the point information. Figure 9 shows an embodiment of the point of sale (POS) application of the present invention for the automatic checkout process using the mobile device to execute the transaction method.

In this embodiment, the consumer can push a shopping cart to move in a store or store, and obtain the item 91 to be purchased from the shelf, and each item 91 can carry a bar code or a radio frequency tag (such as RFID) or Others can read the wirelessly encoded tag, so that when the user selects and removes the item 91, the mobile device 92 can be operated to initiate the transaction program, and the bar code or label of each item 91 can be read by the corresponding program. Therefore, the amount of consumption can be recorded and accumulated in the trading program. The steps of reading the product identification code by the mobile device 92, such as 901, 902, 903, the consumer can accumulate the entire consumption amount, and can self-checkout and carry the merchandise 91 according to the embodiment.

Then, before the consumer comes to the transaction device 93 such as a point-of-sale terminal or a kiosk, the transaction information is exchanged with the transaction device 93 (step 905), and the transaction device 93 can be operated to trigger the generation of the conversation code (such as the aforementioned transaction code). ),It is worth mentioning that, The transaction code displayed by the transaction device 93 can be a fixed conversation code, and the user can operate the mobile device 92 to read the conversation code. Alternatively, the transaction device 93 can generate a conversation code with only a period of time according to the user operation. The conversation code is read by the operating mobile device 92; or the generated transaction content can be transmitted from the mobile device 92 to the transaction device 93. At the same time, the transaction device 93 can transmit the chat code to the verification system (step 907), and the verification system 94 manages the transaction program to be completed over a period of time based on the conversation code.

Then, the user obtains the transaction content through the transaction content field generated by the transaction program executed on the mobile device 92, and the user can fill in some transaction information as described above via the interface on the transaction device 93, including selecting the card and confirming the The total amount of consumption added by the aforementioned actions, and the possibility to fill in the transaction password. Therefore, the transaction program can form a verification code according to the combination of the conversation code, the transaction content, the hardware signal, the security verification information, and the user identification information, in particular, in this embodiment, the transaction program is based on the sum of the generated amounts, The verification code of the item and user identification information operation, and all or part of the combined information is also transmitted to the verification system 94 along with the verification code (step 909).

The verification system 94 performs verification according to the information transmitted by the mobile device 92, including obtaining the corresponding system end value and the symmetric computing system side verification code, and finally returns the verification result to the transaction device 93, which is an authorization authentication, a sales point. The computer host in the transaction device 93, such as a terminal, will process the authorization and agree to the consumer to pick up the merchandise, and does not exclude the result from being transmitted to the mobile device 92.

The method for executing a transaction using a mobile device disclosed in the present disclosure can be applied to an operator who is installed on a specific trading platform, such as an online shopping mall (such as an online business operator), an online store, and an operator who conducts transactions through an auction website. The embodiment can refer to the flow described in FIG.

In this example, the transaction device of the foregoing embodiments is applied to a computer system installed on the network, and operates as a transaction platform 112. The transaction platform 112 provides a computer system for performing online transactions by an online shopping mall, an online store, and a network auctioneer. platform. The user terminal device 111 includes a mobile device, a personal computer device, etc., and the user can operate the line. The mobile device directly enters the trading platform 112 to purchase goods, complete checkout and perform verification, etc.; or, the user can operate a personal computer device, such as a PC, a notebook computer, a tablet computer, etc., to purchase goods and deliver the checkout, and then Another mobile device (such as a mobile phone) performs verification. The verification system 113 can be a stand-alone computer device or a verification function operating in a trading platform.

Implementing a process such as a diagram, the transaction device is configured to provide a transaction platform 112 for performing a business transaction by an online mall, an online store, or a network auctioneer, and can provide a product browsing, a trading platform 112, and a webpage or a specific application. A program such as a shopping cart or a user list may be provided to record a product item purchased by the user using the user terminal device 111, as in step 1111, and the transaction process is started according to the user interface provided by the transaction platform 112. The product item, transaction amount and payment method can be confirmed, such as selecting a specific bank credit card, stored value card, third party payment, etc., and checking is performed after confirmation.

The transaction platform 112 then generates a transaction code according to the checkout information of one or more commodities, and as shown in the foregoing embodiment, the user can operate the mobile device by using various forms of barcodes, graphics, alphanumeric strings or wireless coding. Read the transaction code as in step 1112. At the same time, the transaction platform 112 can transmit the chat code of the current program to the verification system 113 (step 1113).

According to the implementation of step 1112, if the user device 111 has a mobile device and a personal computer device, the user can operate the personal computer to enter the transaction platform 112, and after completing the purchase, checkout, and the transaction platform 112 according to the checkout information. Item number, transaction amount, points, preferential information, etc.), and can add the chat code representing the transaction procedure, calculate the transaction code, and then the user operates the mobile device to read the transaction code. The reading command installed in the transaction program in the mobile device is opened, and the transaction code displayed on the trading platform 112 is read, for example, the QR code scanning program is started to read the 2D barcode, or the NFC reading program is started to read the transaction device. The wireless signal generated in the middle, etc., is used to form a verification code.

However, in another embodiment of step 1112, the user can use the mobile device The (111) program enters the trading platform 112 to purchase goods and checkout. Similarly, the trading platform 112 continues to generate the transaction code, for example, in the form of a bar code, and then the verification code in the mobile device (111) retrieves the one-dimensional barcode. The two-dimensional bar code or graphic image, or the step of extracting the English-language serial transaction code generated by the trading platform 112, and then reading the information from the transaction program, continues to generate the verification code.

In the end, the transaction content will be formed on the mobile device. The transaction content may include the transaction amount or the purchase item, and the transaction content and the specific personalized information will become the basic parameters for forming the verification code.

Then, in step 1114, the verification code is transmitted to the verification system 113, and the personalized information required by the verification system, such as user identification information at the time of registration, card information, etc., should be transmitted, so that the verification system 113 can be personalized according to these. The information instant operation generates data (system side verification code) for confirming the verification code.

Thereafter, the verification result is generated and the result is replied to the trading platform 112. If the result is 1115, the result will affect whether the transaction is successful, and if the verification is successful, the transaction will be completed (step 1116).

Therefore, the method and transaction system for executing a transaction using a mobile device described in the above disclosure are mainly applied to an authentication program in a transaction program, including a verification program that can be applied to an ATM cash withdrawal, deposit, transfer, and the like. It can also be used in the verification process of general shopping transactions, even the vending machine transactions, the transaction procedure has high security, and there is no need for passwords, credit cards or ATM cards except for using mobile devices. Being stolen. In particular, during the transaction process, the transaction code is generated by the transaction device, read by the mobile device, and the verification code generated by the program is used by the third-party verification unit to perform identity verification. By the operation of the present invention, a highly secure transaction program can be provided.

However, the above description is only a preferred embodiment of the present invention, and is not intended to limit the scope of the present invention. Therefore, equivalent structural changes that are made by using the specification and the contents of the present invention are equally included in the present invention. Within the scope, it is combined with Chen Ming.

60‧‧‧ mobile devices

601‧‧‧User Identification Information

603‧‧‧ machine code

605‧‧‧Kebe

607‧‧‧ transaction amount

609‧‧‧transaction password

61‧‧‧ trading device

62‧‧‧ verification system

611‧‧‧Read transaction code

613‧‧‧Transfer transaction code

615‧‧‧Transfer verification code

617‧‧‧Transfer verification results

Claims (16)

A method for executing a transaction using a mobile device, comprising: reading, by a mobile device, a transaction code displayed on a transaction device; forming a transaction content in the mobile device; and using the transaction code, the transaction in the mobile device The content and/or a user identification information operation generates a verification code; transmits the verification code and at least the user identification information to a verification system; and after the verification system completes the verification, ends the transaction process. The method for performing a transaction using a mobile device according to claim 1, wherein the step of generating the verification code at the mobile device comprises: extracting a value generated when registering in the verification system, the planting being stored in one of the mobile devices And in the memory module; and using the planting, introducing at least the chat code, the transaction content, and all or a combination of the user identification information, and generating the verification code by an algorithm operation. The method for performing a transaction using a mobile device according to claim 2, wherein in the verification system, a corresponding system end value is obtained according to the user identification information transmitted by the mobile device, so that at least the user identifies The information calculation obtains a system-side verification code of the verification code received from the mobile device; wherein the system end value is included in the verification system or is calculated in real time by the verification system. A method for performing a transaction using a mobile device as claimed in claim 1, wherein the transaction code is represented by a one-dimensional barcode, a two-dimensional barcode, an alphanumeric string, a wireless code, or a graphic. A method of performing a transaction using a mobile device according to any one of claims 1 to 4, wherein the transaction code is generated based on a conversation code operation; the transaction content is a transaction amount input on the mobile device. The method for performing a transaction using a mobile device according to any one of claims 1 to 4, wherein the transaction code is generated according to a transaction amount input by a user and a conversation code; wherein the transaction content is included in the transaction device. The amount of the transaction. A transaction system implementing the method for executing a transaction using a mobile device according to claim 1, wherein the transaction system includes a transaction program executed in a mobile device, program instructions executed in a transaction device, and a verification system Executing a verification program, wherein: the program instructions executed in the transaction device include: an instruction to generate a transaction code by triggering; an instruction to receive a verification result; and the execution of the transaction program included in the mobile device includes: An instruction of the transaction device to read the transaction code generated by the transaction device; an instruction to form a transaction content; an instruction to generate a verification code by the transaction code, the transaction content and/or a user identification information operation; and transmitting the verification code And at least the user identification information to the verification system; the verification program executed by the verification system includes: an instruction to receive the verification code transmitted from the mobile device; and an operation to generate a system-side verification code; Comparing the verification code with the system side verification code; and generating the verification result and transmitting The transaction device instructions. The transaction system of claim 7, wherein the transaction device is an automated teller machine, and after the verification is successful, outputting the transaction amount entered on the automated teller machine or the mobile device. The transaction system of claim 7, wherein the transaction device is a vending machine, and after the verification is successful, outputting the item in the transaction content on the mobile device. The transaction system of claim 7, wherein the transaction device is a point-of-sale terminal, and after the verification is successful, notifying the completion of the transaction of the one or more commodities on the point-of-sale terminal. The transaction system of claim 7, wherein the transaction device is another mobile device, and after the verification is successful, the transfer device or the point transfer is completed between the mobile device and the other mobile device. The transaction system of claim 11, wherein the another mobile device initiates a software program to generate a transaction code for the other mobile device. The transaction system of claim 12, wherein the another mobile device updates the account number or point information with the software program after the transaction is completed. The transaction system of claim 7, wherein the transaction device is a computer system installed on the network, and is a transaction platform for providing online shopping malls, online stores or online auctioneers to perform commercial transactions. The transaction system of claim 14, wherein the transaction platform generates the transaction code based on the checkout information for one or more items. The transaction system of any one of claims 7 to 15, wherein the transaction code is represented by a one-dimensional barcode, a two-dimensional barcode, an alphanumeric string, a wireless code, or a graphic.