TW201705057A - Off-line mobile transaction method and transaction system thereof - Google Patents

Abstract

The disclosure is related to an off-line mobile transaction method and a transaction system thereof. In the transaction method, a mobile device executes a transaction program allowing a user to input trading content via an input interface. The transaction program generates a transaction code according to the trading content and other personal information. It is noted that the transaction code is in form of barcode, QR code, wireless code or a pattern provided for a transaction device to read. The transaction device obtains data for authentication from the transaction code. The transaction device transmits a session code, transaction code, and the authentication data 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

Offline action trading method and trading system

The present invention is an action transaction method and system, and more particularly, a method of performing a transaction using an action device in an offline state, and a transaction system including the method of executing the transaction.

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 an offline action transaction method and related transaction system executed by a mobile device, one of which is to The transaction content is input on the mobile device of the user, and then the transaction code is obtained through the transaction device, and then a verification process is executed, and the transaction is completed after the identity is verified by the third-party verification unit, which can improve transaction security even if any of the devices are lost. It was stolen, but it still ensures that the property is not lost.

According to the embodiment of the offline mobile transaction method, the user executes a transaction program on a mobile device, and can input the transaction content through the input interface, such as a transaction amount. The trading program then obtains the content of the transaction, and generates a transaction code according to the transaction content at the time of registration verification, or may add other personalized information operations, such as one-dimensional barcode, two-dimensional barcode, one-digit number. String, wireless code or graphics, which can be read by a transaction device.

When the transaction device executes the transaction program, a chat code is generated, and when the transaction code is read, part of the data used for verification can be obtained, and then the transaction device transmits the chat code, the transaction code and the verification data to a verification system. .

Then, in the verification system, after the verification system receives the transaction code and the verification data transmitted by the transaction device, the verification is performed, and after the verification result is generated, the verification result is transmitted to the transaction device according to the conversation code. When the verification is successful, the transaction device is authorized to complete the transaction, for example, the user can withdraw the transaction amount originally input on the mobile device; when the verification fails, the transaction is terminated, and the transaction fails.

In an embodiment of a transaction system implementing the offline activity transaction method described above, the transaction system includes a transaction program executed in a mobile device, program instructions executed in a transaction device, and a verification program executed in a verification system.

The instructions for executing the transaction program in the mobile device include an instruction for providing a transaction content input interface, an instruction for obtaining a transaction content from the transaction content input interface, an instruction for generating a transaction code according to the transaction content operation, and an instruction for presenting the transaction code. The presentation methods include one-dimensional barcodes, two-dimensional barcodes, alphanumeric strings, wireless encoding or graphics.

The program instructions executed in the transaction device include an instruction to acquire a transaction code from the mobile device, an instruction to transmit the transaction code and verification data to the verification system, an instruction to obtain a verification result generated by the verification system, and an instruction to display the transaction result.

The verification program executed by the verification system includes instructions for obtaining a transaction code transmitted from the transaction device, an instruction for verifying the data and a conversation code, an operation for generating a system-side verification code, a comparison transaction code, and a system-side verification code. Instruction and production test The result of the certificate is passed to the order of the trading device.

According to one embodiment, the transaction device may be an automatic teller machine, and after the verification is successful, outputting the transaction amount input on the mobile device; or, when the transaction device is a vending machine, after the verification is successful, outputting on the mobile device Entering the item in the transaction content; the transaction device may be a point-of-sale terminal, and after the verification is successful, notifying the completion of the transaction of one or more commodities on the point-of-sale terminal; the transaction device may be another mobile device, thereby Achieve a transaction between two mobile devices.

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‧‧‧Mobile devices

101‧‧‧Transaction content

103‧‧‧ transaction code

12‧‧‧ trading device

121‧‧‧Transaction code reader

123‧‧‧Output interface

125‧‧‧Transaction results

127‧‧‧ Output items

60‧‧‧Mobile device trading program

601‧‧‧Transaction content acquisition module

603‧‧‧transaction code generation module

605‧‧‧ display module

607‧‧‧Transaction content input module

62‧‧‧ trading device

621‧‧‧Transaction code acquisition module

623‧‧‧Display module

625‧‧‧Verification data transmission module

627‧‧‧Verification result acquisition module

64‧‧‧Verification system

641‧‧‧Verification data acquisition module

643‧‧‧ verification module

645‧‧‧Database Module

647‧‧‧Network Module

70‧‧‧ mobile devices

701‧‧‧User identification information

703‧‧‧ machine code

705‧‧‧ Card

707‧‧‧ transaction amount

709‧‧‧Transaction password

71‧‧‧ trading device

72‧‧‧ verification system

711‧‧‧Read transaction code

713‧‧‧Transfer verification data

715‧‧‧Reply verification results

81‧‧‧ trading device

82‧‧‧ Equipment line

83‧‧‧ integrated platform

84‧‧‧ Issuing bank

811‧‧‧Read transaction code

813‧‧‧Transfer verification data

817‧‧‧Inter-bank transaction authorization

818‧‧‧ inter-bank transaction authorization

819‧‧‧Reply verification results

820‧‧‧Reply verification results

821‧‧‧Reply verification results

91‧‧‧Mobile devices

92‧‧‧Vending Machine

93‧‧‧Verification system

901‧‧‧Read transaction code

903‧‧‧Transfer verification data

905‧‧‧Reply verification results

11‧‧‧ Goods

13‧‧‧Mobile devices

15‧‧‧ trading device

17‧‧‧Verification system

1001,1002,1003‧‧‧Read product identification code

1005‧‧‧Read transaction code

1007‧‧‧Transfer verification data

1009‧‧‧Reply verification results

Step S201~S213‧‧‧Offline Action Trading Process

Step S301~S307‧‧‧Offline Action Trading Process

Step S401~S413‧‧‧Offline Action Trading Process

Step S501~S509‧‧‧Offline Action Trading Process

1A is a schematic diagram showing an implementation scenario of an offline-type mobile transaction method according to the present invention; FIG. 1B is a second schematic diagram showing an implementation scenario of an offline-type mobile transaction method according to the present invention; FIG. 1C is a third schematic diagram showing an implementation scenario of an offline-type mobile transaction method according to the present invention; FIG. 2 is a flow chart showing an embodiment of an offline type mobile transaction method according to the present invention; FIG. 3 is a flow chart showing an embodiment of an offline type mobile transaction method according to the present invention; FIG. 5 is a flowchart showing an embodiment of an offline active transaction method of the present invention; FIG. 6 is a functional block diagram of an embodiment of an offline active transaction system according to the present invention; 7 shows one of the embodiments of the offline active transaction process of the present invention; 8 shows one of the embodiments of the offline active transaction flow of the present invention; FIG. 9 shows the third embodiment of the offline active transaction flow of the present invention; FIG. 10 shows the fourth embodiment of the offline active transaction flow of the present invention.

The invention discloses an offline action transaction method and a related transaction system, in particular, a program instruction of a related program executed in each device in the system, and the method and system thereof can be applied to an ATM (automatic teller machine) for withdrawing cash. ), POS (point of sales), vending machines, Kiosk for various convenience transactions, etc., allowing users to first determine the transaction content through the mobile device, and then through the third-party verification unit through the transaction device. To verify, in addition to the benefits of facilitating transactions, it also enhances the security of transactions, so as not to partially verify the loss of property when the information is captured or stolen in the transaction process.

In the offline active transaction method embodiment proposed by the present invention, the mobile device held by the user needs to execute a transaction program. However, when executing the transaction program of the present invention, the transaction program will calculate the transaction code by itself, without performing any transaction. The file exchange or verification procedure of the remote server connection, so the mobile device does not need to be connected to the network when executing this transaction. However, the offline mobile transaction method proposed by the present invention does not mean that the mobile device cannot connect to the network when executing the transaction, but the related program does not need to be connected to the network when the transaction is executed, and this feature can ensure the security of the transaction. The transaction data will not be leaked.

Related to the offline action transaction method implementation scenario of the present invention, reference may be made first to the schematic diagram shown in FIG.

This figure shows that when the transaction program starts, the user executes the transaction program before the mobile device 10. The transaction program can be installed in the mobile device 10 by means of a mobile application (APP) or other software package. When the transaction program is executed, the process starts. A transaction content input interface, the user can fill in the transaction content 101 in the interface, the transaction content 101 can be a transaction amount, points, preferential information, purchase of goods, etc., and cooperate with a virtual The proposed account is composed of.

Next, as shown in FIG. 1B, the transaction program obtains the transaction content input by the user, and then cites an algorithm to generate a seed (seed, or may be a key) according to at least the transaction. The content operation generates a transaction code; and the transaction code is generated according to the user input information (user ID), the mobile device 10 machine code, the card type and the transaction password, or Part of the combination produces a transaction code. The type of transaction code is represented by a one-dimensional barcode, a two-dimensional barcode (such as QR code), an English numeric string, a wireless code, or a graphic representation.

The foregoing value used by the mobile device to generate the transaction code is generated when the verification system is registered, and the verification system is formed according to the preset information content. For example, the verification system may require the user to transmit personalized information, such as the action used by the user. The machine code of the device, such as International Mobile (Equipment Identity, IMEI) or network hardware information, etc., can also be the communication data of the near field communication (NFC) circuit supported by the mobile device; The information does not exclude general information provided by the user, such as the user's personal data, or a set of pin codes. Any one or combination of these personalized information can be used as 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, which is generated by the verification server (or other host) and stored in the personalization device and the verification server on the system side.

In this example, the mobile device 10 displays the transaction code 103 as a two-dimensional barcode, such as a QR code, or may be wirelessly encoded, and continues with the implementation scenario shown in FIG. 1C. The user operates the mobile device 10 to bring it closer to the transaction device. 12, the transaction device 12 is provided with a transaction code reader 121, which can be a device for reading a one-dimensional bar code, a two-dimensional bar code, an English-digit string, a wireless code or a specific graphic. The transaction device 12 of this example is an automatic teller machine. There is an output interface 123, which allows the user to withdraw cash by using the transaction program, as shown in the implementation scenario shown in FIG. 1D.

After the transaction device 12 reads the transaction code from the mobile device 10, the conversation code along with the obtained verification data and the initiation transaction program is transmitted to the verification system, and the verification system performs verification according to the information, including first obtaining the system-side planting and executing. An algorithm validating the transaction code symmetrically in the mobile device, if the verification result is successful, indicating that the transaction can be completed, the transaction device 12 displays the transaction result "125", and in this case, the cash can be successfully received for output. Item 127 is indicated. The above system end value can be stored in the database of the system side, or the verification system generates according to the data transmitted by the transaction device 12 according to a preset calculation method, thereby preventing the seed value from being improperly stolen.

The flowchart of the embodiment of the offline active transaction method of the present invention can refer to the following processes.

Figure 2 shows the transaction process executed by the entire trading system. At the beginning, the user operates the mobile device to execute the transaction program, and the transaction program provides a transaction content input interface (step S201), allowing the user to input the transaction content, in addition to the transaction gold, Provide user transaction points (such as game points), coupon data input, transaction product number (such as vending machine embodiment), etc. Other transaction contents can refer to the embodiment shown in FIG. 7 and FIG. Enter the debit card, or you can trade the password to increase security (step S203).

After the transaction program of the mobile device obtains the transaction content, in step S205, the plantation obtained at the time of registration (including the data acquisition from the database or the instant operation) is obtained, and the transaction code is obtained according to at least the transaction content; In another embodiment, in addition to the transaction content, the user identification information, the machine code of the mobile device, the card type, and the transaction password may be combined with all or part of the information to generate a transaction code, and the transaction code may be in the foregoing manner. Presenting, then, as step S207, the transaction device is provided to read the transaction code, and the transaction device reads the transaction code with the corresponding hardware device.

At this time, the transaction device has started the transaction program, and after triggering, generates a session code indicating the transaction program. In step S209, the transaction device can retrieve the verification data from the transaction code, and the data becomes the verification system. Verified capital Information, the verification data obtained from the transaction code, such as user identification information, machine code of the mobile device, card type, transaction content and transaction password, all or part of the combination, along with the chat code, transaction code, transmitted to the verification system, such as Step S211. The above information transmitted to the verification system should have information that can identify the user, so that the verification system can know the object to be verified, including the system that can be generated when the user registers with the personalized information according to the information of the identifiable user. Planting at the end.

Therefore, the verification system performs verification according to the received information, including obtaining the system-side planting according to the information of the identifiable user, and generating the system-side verification code symmetrically by an algorithm, thereby verifying the transaction code generated by the mobile device, and generating the verification result accordingly. In step S213, the verification result is transmitted to the transaction device according to the information contained in the conversation code. If the verification is successful, the verification system and the system providing the transaction service will authorize the transaction device to complete the transaction, such as providing cash withdrawal; if the verification fails, indicating The transaction also failed, ending the transaction process. In addition to the transaction process of no card withdrawal cash, the above process can achieve transfer between two devices, point conversion, or can perform merchandise unmanned checkout.

The step of forming a transaction code on the mobile device can be referred to the flow of the embodiment shown in FIG. Wherein, the mobile device should be installed with a program for executing the offline action transaction method of the present invention, and the command for executing the transaction program in the mobile device mainly includes an instruction for providing a transaction content input interface, and the transaction content input interface provides a user input transaction. For example, in step S301, the transaction program receives the transaction content input by the user via the input interface, and the other may also include the selection of the card or the password required for inputting the transaction.

The transaction program includes an instruction to obtain the transaction content from the transaction content input interface, and includes an instruction to generate a transaction code according to at least the transaction content operation. In step S303, the transaction program will take out the plantation at the time of registration; and perform an algorithm, such as step S305. Transaction code is generated based on user identification information, machine code, card type, transaction content and transaction password.

Next, the trading program includes instructions to present the transaction code, for example, if the transaction The code is a barcode type, the transaction code will be displayed on the display screen of the mobile device, as in step S307; if the transaction code is an English numeric string displayed on the mobile device, the user can input the means on the transaction device; The transaction code is recorded on the mobile device in a wireless code, and can be transmitted to the transaction device by means of wireless communication. The transaction device should be provided with a corresponding wireless communication device, such as an NFC reader.

Figure 4 then shows the software steps in the transaction device in the transaction system of the present invention. When the process is as in step S401, the user can trigger the transaction device to start executing the transaction program. For example, the user goes to an automatic teller machine, the display displays a plurality of transaction modes, and the user selects, for example, a cardless transaction program; at this time, the transaction device activates the transaction code reader (step S403), according to In one embodiment, the program instructions executed in the transaction device include an instruction to acquire a transaction code from the mobile device, whereby the transaction code generated on the mobile device can be read (step S405), and the relevant verification can be obtained from the transaction code. Information, in particular, information that identifies the user, such as user identification data or mobile device code. In addition, in another embodiment, the verification data transmitted by the transaction device to the verification system may also include all or part of the combination of the user-selected debit card, transaction content and transaction password.

At this time, before and after the transaction code is read, the transaction device can generate a chat code that can recognize the current transaction program (step S407). The program of the transaction device includes instructions for transmitting the transaction code and verification data to the verification system, whereby the chat code and the transaction code can be transmitted, and the required data is verified to the verification system (step S409).

Thereafter, after the verification system performs verification according to the obtained data, the instruction in the transaction device that obtains the verification result generated by the verification system can be used to receive the verification result, including the completion of the transaction by authorization, or the verification failure, and the transaction also fails. (Step S411). The program of the transaction device includes an instruction to display the transaction result, and the verification result is displayed on the display screen of the transaction device (step S413).

FIG. 5 is a flow chart showing an embodiment of the offline type mobile transaction method of the present invention in the verification system. The verification program executed in the verification system includes instructions obtained from the transaction The instruction code of the transaction code, the verification data and the chat code transmitted by the device, at the beginning of the verification process, in step S501, the instruction causes the verification system to receive the chat code, the transaction code and the verification required data transmitted by the transaction device.

Then, in step S503, the verification program extracts the system-side planting according to the information of the identifiable user in the obtained verification data, including the self-database extraction, or the instant calculation, and the verification program includes an instruction to generate a system-side verification code. In step S505, a system-side verification code for verifying the transaction code received from the mobile device can be calculated according to the verification data.

After the system side verification code is generated, the verification program is provided with an instruction for comparing the transaction code and the system side verification code, thereby comparing the system side verification code with the received transaction code, and generating a verification result (step S507). The verification program has an instruction to generate a verification result and transmit it to the transaction device, so that the verification result can be transmitted to the transaction device (step S509).

The transaction procedure on the transaction device shown in Figure 4 above and the verification process in the verification system in Figure 5, in conjunction with the mobile device that does not need to connect to the network, perform transactions, except that cardless withdrawals, transfers, and point exchanges can be performed. The mobile device can execute a credit card offline transaction in the transaction program, and can perform credit transactions of two mobile devices, for example, one party is a buyer and the other party is a seller, and the buyer and the seller can execute the transaction through the offline transaction method of the present invention.

With the above embodiments, FIG. 6 then shows a functional block diagram of an embodiment of the offline active transaction system of the present invention, wherein the functions of the software module can be implemented, and the transaction system includes a transaction program executed in the mobile device and executed in the transaction. Program instructions within the device, as well as verification programs executed by the verification system.

The mobile device transaction program 60 includes a transaction content input module 607, which is an instruction for providing a transaction content input interface in the transaction program, and a transaction content acquisition module 601, which implements an instruction for obtaining transaction content from the transaction content input interface. The user inputs the transaction content through the input interface, such as the transaction amount, the number of points, and the like, and even includes the transaction password and virtual account number required by the transaction.

The transaction code generation module 603 of the transaction program is implemented according to at least the transaction content The instruction to generate a transaction code and the instruction to present the transaction code through the display module 605 are implemented, and the manner in which the transaction code is presented is not limited to displaying the screen display through the mobile device, but can be presented in a wireless coding manner.

The software module in the transaction device 62 includes a transaction code acquisition module 621, which implements an instruction to acquire a transaction code from the mobile device in the program instructions in the transaction device; and the verification data transmission module 625 executes the transmission transaction code and The verification data is sent to the verification system; then, the verification result acquisition module 627 implements an instruction to obtain the verification result generated by the verification system; the display module 623 processes the information displayed to the user, including executing an instruction to display the transaction result.

In the verification system 64, a software module for executing the verification related program, such as the verification data acquisition module 641, is an instruction for realizing the transaction code, verification data and a conversation code transmitted by the verification device in the verification system. The verification data may be personalized information obtained by the transaction device from the transaction code; the verification module 643 in the verification system 64 is configured to execute an operation to generate a system-side verification code, and to compare the transaction code with the system-side verification code. The action of verifying the transaction code generated by the mobile device is verified by the verification data transmitted by the transaction device, and then the verification module 643 executes an instruction to generate the verification result and transmit it to the transaction device.

The verification system 64 further has a database module 645, which stores personalized information registered by each user through the hardware device, including system-planting generated by each registration, and obtains symmetry through the comparison database during the verification process. Planting and algorithm. The network module 647 is a software and hardware that connects and transmits data to each transaction device. In another embodiment, the verification system 64 does not store the personalized information under security considerations, but can immediately read from the mobile device and calculate the seed value by instant operation.

In the offline active transaction process embodiment shown in FIG. 7, at the beginning of the execution of the transaction process, the mobile device 70 executes the transaction program, wherein the initiated input interface provides the user with the transaction content, such as the transaction amount 707, selection or Fill in the stored value card, credit card, cash card and other card 705, if necessary, you can fill in the transaction password 709, virtual account and other security information. The transaction program is more capable of capturing information from the mobile device 70, such as a user. Identification information 701 and machine code 703, all or part of the personalized data is used to calculate the transaction code and perform verification.

When the user fills in the transaction content on the mobile device 70 to form a transaction code, the transaction device 71 reads (711), and after the transaction device 71 obtains the transaction code, obtains the data for verification, and transmits the conversation code and the transaction code. The verification data is associated with verification system 72 (713). After the verification system completes the verification, the result is replied to the transaction device (715). When the verification is successful, the connection step is an authorization program.

The embodiment depicted in Figure 7 can be applied to transactions on an automated teller machine, while Figure 8 continues to show another embodiment flow, particularly in cross-bank transactions.

The mobile device 70 of this example can obtain various personalized information and transaction content, such as user identification information 701, through the transaction program, which can provide verification system verification, like machine code 703, which can identify the verified object. . The transaction program further obtains the data of the card 705, the transaction amount 707 and the transaction password 709, and provides the verification system-related issuing bank (84) to perform verification and authorization deduction.

Since the mobile device 70 does not need to connect to the network during the transaction process, that is, no information needs to be exchanged with the external device, the purpose of the offline active transaction of the present invention is achieved, and therefore, after completing the transaction, the network can be reconnected and can be queried. Details after the transaction, such as account balance.

After the transaction code is generated by the mobile device 70, it is read (811) by the transaction device 81, and then the verification data is formed on the transaction device 81 and transmitted to the verification system. In the application of the interbank transaction, the transaction device 81 is managed by the device line 82, such as a bank providing an automated teller machine, and the associated verification data device line 82 (813) is then executed by the device line 82 through the integration platform 83 to the issuer line 84. The inter-bank transaction authorization (817, 818) related program further carries the transaction code transmitted by the transaction device 81, the chat code and the verification data, etc., and finally the verification is performed by the card issuing bank 84.

The issuing bank 84 is provided with the verification system proposed by the present invention, and a software module can be built in the computer system of the issuing bank 84, and the system is planted according to the user identification information, and then the system side verification code is formed by the symmetric calculation of the verification data. Can verify the transaction code, The verification result is generated, and the procedure of the verification can refer to the above embodiment. Thereafter, the verification result is replied, the integration platform 83 is replied to the device line 82 (819, 820), and finally replies to the transaction device 81 (821). If the verification is successful, the reply is an authorization action that causes the transaction device 81 to complete the transaction, such as deposit, complete transfer, point transfer, stored value, and the like.

As can be seen from the above embodiments of FIG. 7 and FIG. 8, the mobile device (70) does not need to perform verification after connecting with the verification system, but performs backend verification through the transaction device (71, 81).

The method for executing a transaction using the mobile device of the present invention can be applied to a transaction program of a transaction device such as a vending machine, a Kiosk, or even another mobile device, that is, the consumer can directly use the mobile device to conduct the transaction, and the process embodiment can refer to the figure. 9.

Taking a vending machine or a Kiosk as an example, when the consumer approaches the transaction device 92, the mobile device 91 can be operated to execute the transaction program, for example, the price, item, etc. of the product to be purchased are input before the input interface. This part does not exclude that the bar code of each item on the transaction device 92 can be scanned, and when the user confirms the transaction content, a transaction code is generated at the mobile device 91.

The transaction device 92 is provided with a transaction code reader. After reading the transaction code (901), the computer system in the transaction device 92 first obtains the data used for verification in the transaction code, and transmits the conversation code and the transaction code to the verification system. 93 (903), the verification is performed by the verification system 93, and the verification result is returned (905). After the verification is successful, the item input in the transaction content is outputted on the mobile device 91.

Wherein, if the transaction device 92 is a vending machine, when the user chooses to purchase the product, if the item on the vending machine can attach the relevant information of the item, including the name, the number, the price, etc., The operating mobile device 91 scans the two-dimensional bar code, the wireless code or the specific graphic on the item of interest, that is, the transaction content brought into the specific item can be quickly verified and authorized.

The transaction device 92 can be another mobile device, thereby achieving two mobile devices. The transaction between the devices, in this process, shows that the mobile device 91 does not need to be connected to the network during the transaction, and no information needs to be exchanged with other devices through the network. The transaction device 92 can be another mobile device. After starting a software program to read the transaction code generated by the mobile device 91, the verification code is also formed through the software program calculation, and the transaction information is read along with the read transaction information, and transmitted to the verification system 93 for verification. After verifying the result, replying to the other mobile device, if the verification is successful, indicating that the transaction of the two mobile devices is completed.

After the verification is successful, the two mobile devices (91, 92) can complete the transfer or the point transfer, and the transaction code formed on the mobile device 91 is a one-dimensional barcode, a two-dimensional barcode, an alphanumeric string, and wireless coding. Or graphical representation. In this example, the mobile device 91 that is offline (or the transaction program does not need to access the Internet) can query the transaction information, balance, and the like after the connection.

In an embodiment, when the two mobile devices (91, 92) execute the transaction, one party may use a third party payment, that is, the verification system may be set in the third party payment host, and after the third party payment verification succeeds, the party may complete the sale. Selling the transactions of both parties. According to the process embodiment shown in FIG. 9, the software program started on the mobile device 91 can provide the user to modify various transaction materials, and complete the system-side data update through the same verification program.

The flow of the embodiment shown in FIG. 10 describes that the transaction device is an automatic checkout application of a point-of-sale terminal. When the verification is successful, the transaction of completing one or more items can be notified on the point-of-sale terminal.

In this embodiment, the consumer can push a shopping cart to move in a store or store, and obtain the goods 11 to be purchased from the shelf, each of which can carry a bar code or a radio frequency tag (such as RFID) or Others can read the wirelessly encoded tag, so when the user selects and removes the product 11, the mobile device 13 can be operated, the transaction program is started, and the barcode or label of each product 11 is 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 13 are 1001, 1002, 1003, and the consumer can accumulate the entire consumer. The amount of the fee, and the goods can be self-checked and carried out according to the embodiment.

Then, before the consumer comes to the transaction device 15 such as the point of sale terminal or kiosk, the transaction program executed on the mobile device 13 brings in the above consumption details and amount, and the software program initiated by the mobile device 13 can provide the user to select the transaction. The card, the confirmation of the total amount of consumption added by the foregoing actions, and the like, may be bound to a credit card, and may be filled in with a transaction password, etc., in conjunction with other personalized data calculations to form a transaction code on the mobile device 13.

The transaction device 15 is then triggered to read the transaction code (1005). The transaction device 15, as in the above embodiment, generates the data providing the verification, along with the conversation code, the transaction code is transmitted to the verification system 17 (1007), and the verification system 17 is based on the conversation code. Manage the transaction process that will be completed over a period of time and perform verification, then reply to the verification result (1009).

When the verification is successful, the result is replied as an authorization certificate, and the computer system in the transaction device 15 such as the point-of-sale terminal will process the authorization and agree to the consumer to pick up the product, and the result is not transmitted to the mobile device 13. Finally, the software program on the mobile device 13 can form a transaction list based on the transaction result for future management.

Therefore, the offline mobile transaction method and transaction system described in the above disclosure, in the case that the mobile device does not need to be connected to the network and the verification system, executes the backend verification procedure through the transaction device, except that it can be applied to the withdrawal of the ATM. The verification procedures for actions such as deposits, transfers, and the like can also be applied to the verification process at the time of general shopping transactions, and even include vending machine transactions, and 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.

70‧‧‧ mobile devices

701‧‧‧User identification information

703‧‧‧ machine code

705‧‧‧ Card

707‧‧‧ transaction amount

709‧‧‧Transaction password

71‧‧‧ trading device

72‧‧‧ verification system

711‧‧‧Read transaction code

713‧‧‧Transfer verification data

715‧‧‧Reply verification results

Claims (14)

An offline mobile transaction method, comprising: executing a transaction program on a mobile device, and starting a transaction content input interface; obtaining a transaction content through the transaction content input interface; generating a transaction code; providing the transaction code by Read by a transaction device, and then the transaction device transmits a conversation code, the transaction code and the verification data to a verification system, wherein the verification data is obtained by the transaction code; wherein the transaction is received by the verification system After the transaction code and the verification data transmitted by the device are verified, after the verification result is generated, the verification result is transmitted to the transaction device according to the conversation code. The offline type mobile transaction method as claimed in claim 1, wherein the transaction code generated by the mobile device is calculated based on at least the transaction content obtained by the registration of the verification system. The offline action transaction method as claimed in claim 2, wherein in addition to the transaction content, the transaction is generated according to a combination of a user identification information, a machine code of the mobile device, a card, and a transaction password. code. The offline action transaction method of 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. The offline action transaction method according to any one of claims 1 to 4, wherein the verification data transmitted by the transaction device to the verification system is a user identification information, a machine code of the mobile device, a card, and the transaction content. Combined with all or part of a transaction password. The offline action transaction method according to claim 5, wherein in the verification system, the corresponding system end value is obtained according to the information of the identifiable user transmitted by the mobile device, and the verification is performed according to the verification data calculus. Receiving from the mobile device A system-side verification code of the transaction code; wherein the system end value is included in the verification system or is calculated in real time by the verification system. A transaction system implementing the offline action transaction method of claim 1, wherein the transaction system includes a transaction program executed in a mobile device, program instructions executed in a transaction device, and executed by a verification system a verification program, wherein: the instructions for executing the transaction program in the mobile device include: an instruction for providing a transaction content input interface; an instruction for obtaining a transaction content from the transaction content input interface; generating a transaction code according to at least the transaction content operation An instruction to present the transaction code; the program instruction executed in the transaction device includes: an instruction to obtain the transaction code from the mobile device; an instruction to transmit the transaction code and verification data to the verification system; and the verification system is generated The instruction of the verification result; the instruction for displaying the transaction result; the verification program executed by the verification system includes: an instruction for obtaining the transaction code, the verification data and a conversation code transmitted from the transaction device; and the operation generates a system end The instruction of the verification code; the instruction of the transaction code and the system side verification code And an instruction to generate the verification result and transmit it to the transaction device. 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 input on 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 read the transaction code of the mobile device. The transaction system of claim 12, wherein the verification system is located in a third party payment host, and the other mobile device performs verification by connecting the third party payment host via a network. The transaction system of any one of claims 7 to 13, wherein the transaction code is represented by a one-dimensional barcode, a two-dimensional barcode, an alphanumeric string, a wireless code, or a graphic.