TW201921306A - Multi-dimensional barcode based mobile payment method and mobile payment server system in which a payment server system inspects and confirms authentication data is correct and carries out a payment process and returns a payment result back to a mobile payment device and a seller side device - Google Patents

Abstract

A multi-dimensional barcode based mobile payment method makes a mobile payment device display a multi-dimensional barcode that includes authentication data and first payment data. A seller side device scans the multi-dimensional barcode and generates payment data according to the multi-dimensional barcode and second payment data provided by the seller side and transmits the payment data to a payment server system. The payment server system retrieves the authentication data from the payment data and, upon inspecting and confirming the authentication data being correct, carries out a payment process according to the payment data and, after completion of the payment process, transmits a payment result corresponding to the payment process back to the mobile payment device and the seller side device.

Description

Multidimensional barcode action payment method and payment servo system

The present invention relates to a non-cash transaction method, and more particularly to a multi-dimensional barcode action payment method.

The current plastic currency, such as bank cards, credit cards, charge cards or smart cards, is widely used because it does not require cash payment, which improves the efficiency and convenience of transactions. However, when trading in a plastic currency, the transaction record generated by each purchase will not be immediately transmitted to the issuing unit of the plastic currency or the payment system to verify the authenticity of the plastic currency, and then request payment, but on a business day. After the end, the store will transfer the entire batch of transaction records to the plastic currency issuer or the payment system to request payment, that is, the entire batch settlement. However, the store will complete the transaction when the plastic currency fails to verify its authenticity by the issuing unit or the payment system, which may cause the store to suffer the risk of loss of trading.

Accordingly, it is an object of the present invention to provide a multi-dimensional bar code action payment method capable of instantly verifying the legitimacy of a transaction to secure a transaction, and a mobile payment device and a payment servo system to which the method is applied.

Therefore, the present invention provides a multi-dimensional barcode action payment method for a user to hold a mobile payment device, a store owner-owned one of the seller devices, and a payment server capable of communicating with the mobile payment device and the seller device via the network. a system, and comprising the steps of: (A) the mobile payment device displaying a multi-dimensional barcode comprising a verification information and a first payment profile; (B) the seller device scanning the multi-dimensional barcode, and according to the multi-dimensional barcode And a second payment data generates a payment information and transmits the payment information to the payment servo system, and the second payment data is provided by the seller device; (C) the payment servo system obtains the verification information from the payment information, and After verifying that the verification information is correct, a payment procedure is executed according to the payment information; and (D) the payment servo system returns a payment result related to the payment procedure to the mobile payment device and the seller device.

In some embodiments of the present invention, in step (A), the multi-dimensional barcode is a fixed multi-dimensional barcode provided by the payment servo system and stored in a hardware security carrier of the mobile payment device.

In some embodiments of the present invention, in step (A), the multi-dimensional barcode is a fixed multi-dimensional barcode provided by the payment servo system, and a part of the multi-dimensional barcode is stored in a hardware of the mobile payment device. A part of the safety carrier is stored in the payment servo system or a cloud server. When the mobile payment device is to display the multi-dimensional barcode, it is connected with the payment servo system or the cloud server to obtain the partial multi-dimensional barcode. And combining the part of the multi-dimensional barcode stored by the hardware safety carrier into the multi-dimensional barcode.

In some embodiments of the present invention, in step (A), the multi-dimensional barcode is a fixed multi-dimensional barcode provided by the payment servo system, and the multi-dimensional barcode is divided into a plurality of files and stored in the mobile payment device. In a hardware security vehicle, when the mobile payment device is to display the multi-dimensional barcode, it reads the files from the hardware security carrier and combines them into the multi-dimensional barcode.

In some embodiments of the present invention, in step (A), the multi-dimensional barcode is a fixed multi-dimensional barcode provided by the payment servo system, and the multi-dimensional barcode is divided into at least two files and stored in the action. In a storage unit of the payment device, and at least one of the files is encrypted and protected, when the mobile payment device is to display the multi-dimensional barcode, the file is read and protected according to the input at least one password. After the at least one file is decrypted, the files are combined into the multi-dimensional barcode.

In some embodiments of the present invention, in step (A), the multi-dimensional barcode is a fixed application obtained by the mobile payment device via the mobile payment device by an application installed in the mobile payment device. A multi-dimensional bar code, and the application stores the multi-dimensional bar code therein or in a storage unit of the mobile payment device in a software encryption manner.

In some embodiments of the present invention, in step (A), the multi-dimensional barcode is a fixed application obtained by the mobile payment device via the mobile payment device by an application installed in the mobile payment device. a multi-dimensional bar code, and the application stores a part of the multi-dimensional bar code in a storage unit of the mobile payment device and/or a part thereof is stored in the application, and a part is stored in the payment servo system or a cloud server, when the When the mobile payment device is to display the multi-dimensional barcode, the application is connected to the payment servo system or the cloud server via the mobile payment device to obtain the partial multi-dimensional barcode, and then stored therein and/or stored in the storage unit. The portion of the multi-dimensional bar code is combined into the multi-dimensional bar code.

In some embodiments of the present invention, in step (A), the multi-dimensional barcode is a fixed application obtained by the mobile payment device via the mobile payment device by an application installed in the mobile payment device. a multi-dimensional barcode, and the application divides the multi-dimensional barcode into a plurality of files and stores them in a storage unit of the mobile payment device or stored in the application, when the mobile payment device is to display the multi-dimensional barcode, the application The program reads the files from or into the storage unit and combines the multi-dimensional barcodes; or the application divides the multi-dimensional barcode into at least two files, and encrypts and protects at least one of the files, The file is stored in the storage unit of the mobile payment device or stored in the application, and when the mobile payment device is to display the multi-dimensional barcode, the application reads the files from or from the storage unit, and according to The entered at least one password decrypts the at least one file that is protected by encryption to combine the files into the multi-dimensional barcode.

In some embodiments of the present invention, in step (A), the multi-dimensional barcode is dynamically generated by a hardware security vehicle of the mobile payment device, and the first payment data is stored in the hardware security payload. Or generated by the mobile payment device according to the input payment method, and provided to the hardware security vehicle, when the mobile payment device is to display the multi-dimensional barcode, the hardware security vehicle requires a password input, and After verifying that the password is correct, the mobile payment device requests an authentication parameter from the payment servo system, and the hardware security vehicle uses a key to charge the authentication parameter to generate the verification information, and according to the verification The information and the first payment profile and the authentication parameter generate the multi-dimensional barcode.

In some embodiments of the present invention, in step (A), the multi-dimensional barcode is dynamically generated by an application installed in the mobile payment device, and the first payment data is stored in the application, or The mobile payment device generates and provides the application according to an input payment method. When the mobile payment device displays the multi-dimensional barcode to execute the application, the application requires inputting a password and verifying the password. After correct, the application requests an authentication parameter from the payment server via the mobile payment device, and uses a key to code the authentication parameter to generate the verification information, and according to the verification information and the first payment data, The authentication parameter generates the multi-dimensional barcode.

In some embodiments of the present invention, the payment servo system includes a business platform and a payment system that store the key and the authentication parameter, and in step (A), the hardware security vehicle passes the action. The payment device requests the authentication parameter from the business platform. In step (B), the payment information further includes the authentication parameter. In step (C), the business platform receives the payment information and compares the payment information with the After the authentication parameter is the same as the authentication parameter stored in the business platform, the business platform uses the key stored in the business platform to tamper the authentication parameter stored in the business platform to generate a confirmation code, and confirms the After the verification information in the payment information is the same as the confirmation code generated, the payment information is transmitted to the payment system, so that the payment system executes the payment program according to the payment information.

In some embodiments of the present invention, the payment servo system includes a business platform and a payment system having the key and the authentication parameter, and in step (A), the hardware security vehicle passes the action The payment device requests the authentication parameter from the payment system. In step (B), the payment information further includes the authentication parameter. In step (C), the commerce platform receives the payment information and transmits the payment information to the payment system. After the system is the same as the authentication parameter in the payment information and the authentication parameter stored in the payment system, the payment system uses the key stored in the payment system to tamper the authentication parameter stored in the payment system. A confirmation code is generated, and after confirming that the verification information in the payment information is identical to the confirmation code generated by the payment information, the payment program is executed according to the payment information.

In some embodiments of the present invention, in step (A), the multi-dimensional barcode is dynamically generated by a hardware security vehicle of the mobile payment device, and the first payment data is stored in the hardware security payload. Or generated by the mobile payment device according to the input payment method, and provided to the hardware security vehicle, when the mobile payment device is to display the multi-dimensional barcode, the hardware security vehicle requires a password input, and After verifying that the password is correct, the mobile payment device requests an authentication parameter from the payment servo system and transmits a transaction payment amount to the payment servo system, and the hardware security vehicle uses a key to the authentication parameter and the Transaction payment amount is coded to generate the verification information, and the multi-dimensional barcode is generated according to the verification information, the first payment data and the authentication parameter.

In some embodiments of the present invention, in step (A), the multi-dimensional barcode is dynamically generated by an application installed in the mobile payment device, and the first payment data is stored in the application, or The mobile payment device generates and provides the application according to an input payment method. When the mobile payment device displays the multi-dimensional barcode to execute the application, the application requires inputting a password and verifying the password. After correct, the application requests an authentication parameter from the payment server via the mobile payment device and transmits a transaction payment amount to the payment servo system, and uses a key to charge the authentication parameter and the transaction payment amount to generate The verification information is generated, and the multi-dimensional barcode is generated according to the verification information, the first payment data, and the authentication parameter.

In some embodiments of the present invention, the payment servo system includes a business platform and a payment system that store the key, the authentication parameter, and the transaction payment amount, and in step (A), the hardware security The vehicle requests the authentication parameter from the mobile platform via the mobile payment device and transmits the transaction payment amount to the business platform. In step (B), the payment information further includes the authentication parameter and the transaction payment amount, in the step ( In C), the commerce platform receives the payment information, and uses the same as the transaction payment amount and the authentication parameter in the payment information, and the transaction payment amount and the authentication parameter stored in the business platform, and the business platform uses The key stored in the business platform is spoofed by the authentication parameter stored in the business platform to generate a confirmation code, and the payment is transmitted after confirming that the verification information in the payment information is the same as the confirmation code generated by the payment information. Information is provided to the payment system to cause the payment system to execute the payment program based on the payment information.

In some embodiments of the present invention, the payment servo system includes a business platform and a payment system that stores the key, the authentication parameter, and the payment amount of the transaction, and in step (A), the hardware security The vehicle requests the authentication parameter from the payment system via the mobile payment device and transmits the transaction payment amount to the payment system. In step (B), the payment information further includes the authentication parameter and the transaction payment amount, in the step ( In C), the commerce platform receives the payment information and transmits the payment information to the payment system, the payment system compares the transaction payment amount and the authentication parameter in the payment information with the transaction payment amount and the certification stored in the payment system. After the parameters are the same, the payment system uses the key stored in the payment system to tamper the authentication parameter stored in the payment system to generate a confirmation code, and confirms the verification information in the payment information and the generated information. After the confirmation code is the same, the payment program is executed based on the payment information.

In some embodiments of the present invention, in step (A), the multi-dimensional barcode is dynamically generated by a hardware security vehicle of the mobile payment device, and the first payment data is stored in the hardware security payload. Or generated by the mobile payment device according to the input payment method, and provided to the hardware security vehicle, when the mobile payment device is to display the multi-dimensional barcode, the hardware security vehicle requires a password input, and After verifying that the password is correct, the hardware security vehicle generates the multi-dimensional barcode according to the verification information and the first payment data stored therein.

In some embodiments of the present invention, in step (A), the multi-dimensional barcode is dynamically generated by an application installed in the mobile payment device, and the first payment data is stored in the application or The mobile payment device is generated and provided to the application according to the input payment method. When the mobile payment device is to display the multi-dimensional barcode, the application requests a password, and after verifying the password, the application The multi-dimensional barcode is generated based on the verification information and the first payment data stored therein.

In some embodiments of the present invention, the payment servo system includes a business platform and a payment system, and in step (C), the business platform receives the payment information and verifies that the verification information in the payment information is correct. Thereafter, the payment system is caused to execute the payment program based on the payment information.

In some embodiments of the present invention, the payment servo system includes a business platform and a payment system, and in step (C), the business platform receives the payment information and transmits the payment information to the payment system, the payment After verifying that the verification information in the payment information is correct, the system executes the payment program according to the payment information.

In some embodiments of the present invention, in step (A), the multi-dimensional barcode is dynamically generated by a hardware security vehicle of the mobile payment device, and the first payment data is stored in the hardware security payload. Or generated by the mobile payment device according to the input payment method, and provided to the hardware security vehicle, when the mobile payment device is to display the multi-dimensional barcode, the hardware security vehicle requires a password input, and After verifying that the password is correct, the mobile payment device transmits a transaction payment amount to the payment servo system, and the hardware security vehicle generates the multi-dimensional barcode according to the verification information, the first payment data, and the transaction payment amount.

In some embodiments of the present invention, in step (A), the multi-dimensional barcode is dynamically generated by an application installed in the mobile payment device, and the first payment data is stored in the application or The mobile payment device is generated and provided to the application according to the input payment method. When the mobile payment device is to display the multi-dimensional barcode, the application requests a password, and after verifying the password, the application And transmitting, by the mobile payment device, a transaction payment amount to the payment servo system, and generating the multi-dimensional barcode according to the verification information, the first payment data and the transaction payment amount stored therein.

In some embodiments of the present invention, the payment servo system includes a business platform and a payment system, and in step (C), the business platform receives the payment information and verifies the transaction payment amount in the payment information. And after the verification information is correct, the payment system is caused to execute the payment program according to the payment information.

In some embodiments of the present invention, the payment servo system includes a business platform and a payment system, and in step (C), the business platform receives the payment information and transmits the payment information to the payment system, the payment After verifying the payment amount of the transaction in the payment information and the verification information is correct, the system executes the payment program according to the payment information.

In some embodiments of the present invention, in step (A), the multi-dimensional barcode is provided by the payment servo system and dynamically generated, and the first payment data is stored in the payment servo system or by the payment servo. The system is generated according to a payment method provided by the mobile payment device, and when the mobile payment device is to display the multi-dimensional barcode and is connected to the payment servo system and requests the multi-dimensional barcode, the payment servo system is based on the verification stored therein The information and the first payment data generate the multi-dimensional barcode, or generate the first payment data according to the payment method provided by the mobile payment device, and generate the multi-dimensional barcode according to the first payment data and the verification information stored therein, And transmitting the multi-dimensional barcode to the mobile payment device.

In some embodiments of the present invention, the payment servo system includes a business platform and a payment system, and in step (A), the multi-dimensional barcode is dynamically generated by the business platform, and the first payment data is stored. Generating at the business platform or by the business platform according to the payment method provided by the mobile payment device; when the mobile payment device is to display the multi-dimensional barcode and connect to the business platform and request the multi-dimensional barcode, the business platform is based on The verification information and the first payment data stored therein generate the multi-dimensional barcode, or generate the first payment data according to the payment method provided by the mobile payment device, and according to the first payment data and the verification stored therein The information generates the multi-dimensional barcode, and transmits the multi-dimensional barcode to the mobile payment device, and in step (C), the commerce platform receives the payment information and after verifying that the verification information in the payment information is correct, the payment system is made The payment program is executed based on the payment information.

In some embodiments of the present invention, the payment servo system includes a business platform and a payment system, and in step (A), the multi-dimensional barcode is dynamically generated by the payment system, and the first payment data is stored. Generating at the payment system or by the payment system according to the payment method provided by the mobile payment device; when the mobile payment device is to display the multi-dimensional barcode and is connected to the payment system and request the multi-dimensional barcode, the payment system is based on The verification information and the first payment data stored therein generate the multi-dimensional barcode, or generate the first payment data according to the payment method provided by the mobile payment device, and according to the first payment data and the verification stored therein The information generates the multi-dimensional barcode and transmits the multi-dimensional barcode to the mobile payment device, and in step (C), the commerce platform receives the payment information and transmits the payment information to the payment system, and the payment system verifies the payment information After the verification information in the correct information, the payment program is executed according to the payment information.

In some embodiments of the present invention, in step (A), the multi-dimensional barcode is provided by the payment servo system and dynamically generated, and the first payment data is stored in the payment servo system or by the payment servo. The system generates, according to a payment method provided by the mobile payment device, when the mobile payment device is to display the multi-dimensional barcode and is connected to the payment servo system and requests the multi-dimensional barcode, the mobile payment device transmits a transaction payment amount to the Paying a servo system, and the payment servo system generates the multi-dimensional barcode according to the verification information stored therein and the first payment data and the transaction payment amount, or the payment servo system generates the payment method according to the payment method provided by the mobile payment device The first payment data, and generating the multi-dimensional barcode according to the first payment data and the verification information stored in the transaction and the transaction payment amount, and transmitting the multi-dimensional barcode to the mobile payment device.

In some embodiments of the present invention, the payment servo system includes a business platform and a payment system, and in step (A), the multi-dimensional barcode is dynamically generated by the business platform, and the first payment data is stored. Generating at the business platform or by the business platform according to the payment method provided by the mobile payment device; when the mobile payment device is to display the multi-dimensional barcode and connect with the business platform and request the multi-dimensional barcode, the mobile payment device Transmitting the transaction payment amount to the business platform, and the business platform generates the multi-dimensional barcode according to the verification information stored in the verification information and the first payment data and the transaction payment amount, or the business platform provides the same according to the action payment device The payment method generates the first payment data, and generates the multi-dimensional barcode according to the first payment data and the verification information stored in the transaction and the transaction payment amount, and transmits the multi-dimensional barcode to the mobile payment device, and at step (C) The business platform receives the payment information and verifies the payment amount of the transaction in the payment information and After verifying the information is correct, that the payment system execute the payment program based on the payment information.

In some embodiments of the present invention, the payment servo system includes a business platform and a payment system, and in step (A), the multi-dimensional barcode is dynamically generated by the payment system, and the first payment data is stored. Generating at the payment system or by the payment system according to the payment method provided by the mobile payment device; when the mobile payment device is to display the multi-dimensional barcode and connect with the payment system and request the multi-dimensional barcode, the mobile payment device Transmitting the transaction payment amount to the payment system, and the payment system generates the multi-dimensional barcode according to the verification information stored in the verification information and the first payment data and the transaction payment amount, or according to the payment method provided by the mobile payment device The first payment data, and generating the multi-dimensional barcode according to the first payment data and the verification information stored in the transaction and the transaction payment amount, and transmitting the multi-dimensional barcode to the mobile payment device, and in step (C), The commerce platform receives the payment information and transmits the payment information to the payment system, and the payment system verifies the The transaction payment amount of money information and the right to verify the information, execute the payment program based on the payment information.

In some implementations of the present invention, in step (B), the seller device scans the multi-dimensional barcode but does not decode the multi-dimensional barcode, and generates the payment information according to the multi-dimensional barcode and the second payment data, and transmits the payment information. The payment information is sent to the payment servo system, and in step (C), the payment servo system decodes the multi-dimensional barcode in the payment information to obtain the first payment data and the verification information, and the first payment data is obtained. And the second payment data is combined into a payment instruction, and after verifying that the verification information is correct, the payment procedure is executed according to the payment instruction.

In some embodiments of the present invention, in step (B), the seller device scans the multi-dimensional barcode and decodes it to obtain the first payment data and the verification information, and according to the first payment data and the first The second payment data generates a payment instruction, generates the payment information according to the payment instruction and the verification information, and transmits the payment information to the payment servo system, and in step (C), the payment servo system verifies the payment information. After the verification information is correct, the payment procedure is executed according to the payment instruction in the payment information.

In some embodiments of the invention, the hardware security carrier is a mobile payment card that is removably coupled to the mobile payment device or a mobile payment module built into the mobile payment device.

In some embodiments of the present invention, the first payment profile includes at least one payment account information of the buyer, and the second payment profile includes at least one payment account information of the seller.

Furthermore, another multi-dimensional barcode action payment method of the present invention is applied between a mobile payment device held by a user and a seller device owned by a store, and includes the following steps: (A) the mobile payment device Displaying a multi-dimensional barcode comprising a verification information and a first payment data; (B) the seller device scanning the multi-dimensional barcode and decoding the same to obtain the verification information and the first payment data, and verifying After the verification information is correct, a payment procedure is executed according to the first payment data and the at least one payment account information of the seller; and (C) after the seller device completes the payment procedure, the seller device records and displays a payment result and returns The payment result is transmitted to the mobile payment device, or the seller device records the payment result and returns the payment result to the mobile payment device, or the seller device records and displays the payment result.

According to the multidimensional barcode action payment method described in paragraph 0038, in some embodiments of the present invention, the multidimensional barcode in step (A) is as described in paragraphs 0005 to 0011, paragraph 0020, and The method described in paragraphs 0021 and 0228 is generated and will not be described here.

In some embodiments of the present invention, in step (C), the seller device also transmits the payment result to a payment system, causing the payment system to perform a chargeback operation based on the payment result.

In some embodiments of the present invention, the first payment profile includes at least a payment account profile of a payment system of the buyer.

Furthermore, the present invention provides a mobile payment device capable of communicating with a payment servo system, and the payment payment system can communicate with a seller device; the mobile payment device includes: a communication unit capable of communicating with the network The payment servo system performs communication; a display unit is configured to display a multi-dimensional barcode, the multi-dimensional barcode includes a verification information and a first payment data; a processing unit is electrically coupled to the display unit; and a multi-dimensional barcode generation And an input unit for inputting a password, and the password is provided to the multi-dimensional barcode generation module through the processing unit; wherein the multi-dimensional barcode generation module verifies that the password is correct, according to the verification information and the The first payment data dynamically generates the multi-dimensional barcode, and the multi-dimensional barcode is output to the display unit through the processing unit for scanning by the seller device; thereby enabling the seller device to perform the multi-dimensional barcode and a second payment The data generates a payment information and transmits to the payment servo system, wherein the second payment data is provided by the seller device And causing the payment servo system to obtain the verification information from the payment information, and after verifying that the verification information is correct, executing a payment procedure according to the payment information, and returning a payment result related to the payment program to the action a payment device and the seller device; and the communication unit receives the payment result, and outputs the payment result to the display unit through the processing unit.

In some embodiments of the present invention, the multi-dimensional barcode generating module is a hardware security carrier or an application installed in the mobile payment device, and the hardware security carrier is removably An action payment card electrically connected to the mobile payment device or a mobile payment module built into the mobile payment device.

In addition, the present invention provides a payment servo system capable of communicating with a mobile payment device and a seller device, and includes: a business platform capable of communicating with the mobile payment device and the seller device via the network; a payment system capable of communicating with the business platform; wherein the business platform provides a multi-dimensional barcode including a verification information and a first payment data to the mobile payment device, so that the mobile payment device can display the multi-dimensional barcode for the The seller device scans the multi-dimensional barcode, and the seller device generates a payment information according to the multi-dimensional barcode and a second payment data and transmits the payment information to the business platform, where the second payment data is provided by the seller device; the business platform receives the payment Receiving the verification information in the information, and after verifying that the verification information is correct, transmitting the payment information to the payment system, causing the payment system to execute the payment program according to the payment information and generate a payment result related to the payment program, and Returning the payment result to the mobile payment device and the seller device through the business platform; The multi-dimensional barcode is a fixed multi-dimensional barcode or dynamically generated by the business platform according to the first payment data, and the first payment data is stored in the business platform or a payment provided by the business platform according to the mobile payment device In a manner, when the mobile payment device requests the multi-dimensional barcode, the commerce platform generates the multi-dimensional barcode according to the verification information and the first payment data stored therein, or generates the payment method according to the payment method provided by the mobile payment device. The first payment data, and generating the multi-dimensional barcode according to the first payment data and the verification information stored therein, and transmitting the multi-dimensional barcode to the mobile payment device.

The effect of the present invention is that a multi-dimensional barcode is displayed by the mobile payment device for scanning by the seller device, and the payment information is generated by the seller device according to the multi-dimensional barcode and transmitted to the payment servo system, so that the payment servo system performs verification according to the payment information. And executing a payment procedure, or the seller device directly verifies and executes a payment procedure according to the multi-dimensional barcode, and returns a payment result to the mobile payment device, thereby realizing the transaction legality of the instant verification action payment to ensure the transaction security. purpose.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are denoted by the same reference numerals.

1 is a flowchart of a first embodiment of a multi-dimensional barcode action payment method according to the present invention. The present embodiment is applied to a mobile payment device 1, a seller device 2, and a mobile payment device 1 and the seller device 2 The payment payment system 3 of the communication; wherein the mobile payment device 1 can be a smart phone, a tablet computer or other mobile electronic device with wireless communication capability held by the buyer, and the seller device 2 can be a store-owned one. Personal computers, laptops, tablets, smart phones or other mobile electronic devices with wireless communication capabilities.

As shown in FIG. 1, the multi-dimensional barcode action payment method of this embodiment is as follows. First, when the user (buyer) purchases a product at a store and wants to use the action payment, the user opens the application 160 installed by the mobile payment device 1 (for example, multi-dimensional bar code payment software), and the application 160 Executing step S1 of FIG. 1 , a multi-dimensional barcode is displayed on the mobile payment device 1 for scanning by the seller device 2, and the multi-dimensional barcode can be a one-dimensional barcode, a two-dimensional barcode, a QR code or a three-dimensional barcode, etc., but not Limit, and mainly includes a verification information and a first payment data. Next, as shown in step S2 of FIG. 1 , after the seller device 2 scans the multi-dimensional barcode, steps S3 and S4 of FIG. 1 are executed, a payment information is generated according to the multi-dimensional barcode and a second payment data, and the payment information is transmitted to the payment. The servo system 3, wherein the second payment data is provided by the seller device 2, and the first payment data includes at least one payment account data of the buyer, and the second payment data includes at least one payment account information of the seller, for example Said that if the seller sells a fixed amount of goods, and the payment server system 3 knows the amount of the goods, the first payment data only needs to include a payment account information of the buyer, and the second payment information only needs to include the seller One of the payment account information, otherwise (that is, the amount of the commodity is not fixed), the first payment data may also include a transaction payment amount and the information of the mobile payment device 2, but not limited thereto. And the second payment data usually includes a merchant's merchant number, product name, product quantity, commodity amount, merchant device information (device IP address, device unique identification code), etc., but is not limited thereto. The verification information may also include the transaction payment amount, the buyer's payment account data, the check code, etc., but not limited thereto.

Then, as shown in step S5 of FIG. 1, the payment servo system 3 obtains the verification information from the payment information, and executes step S6 of FIG. 1 to verify whether the verification information is correct. If yes, step S7 of FIG. 1 is performed. Performing a payment procedure according to the payment information, and after completing the payment procedure, as shown in step S8 of FIG. 1, the payment servo system 3 returns a payment result related to the payment program to the mobile payment device 1 and the In the seller device 2, the mobile payment device 1 and the seller device 2 display the payment result as shown in steps S9 and S10 of Fig. 1, so that the buyer and the seller can immediately confirm the payment result. The payment result may be the result of the payment system 32 returning the payment success after completing the payment operation, or it may be that the payment system 32 finds that the payment instrument used by the mobile payment device 1 cannot pay when performing the payment procedure (for example, : cash transfer, when the buyer account is transferred out, the balance is found to be insufficient; or the credit card has been deactivated, etc.), the payment system 32 will notify the mobile payment device 1 and the seller device 2 with the payment result, so the action payment The display unit 12 of the device 1 may display a message such as insufficient account balance or credit card deactivation, or a message indicating that the buyer selects another payment instrument to make a payment or suspend the payment operation; therefore, if the buyer selects another payment instrument When making a payment, the mobile payment device 1 redisplays the multi-dimensional barcode for the seller device 2 to re-scan to re-do the multi-dimensional barcode action payment process as described above.

If, in the above step S6, the payment servo system 3 verifies that the verification information is incorrect, then the payment servo system 3 transmits a verification failure message to the mobile payment device 1 and the seller device 2, as shown in step S11 of FIG. , so that the verification failure message is displayed to inform the buyer and the seller that the payment verification is unsuccessful.

Specifically, as shown in FIG. 2, the mobile payment device 1 of the present embodiment mainly includes a communication unit 11, a display unit 12, a storage unit 13, a hardware security carrier 14, an input unit 15, and a The processing unit 16 to which the aforementioned components are electrically connected. And the payment servo system 3 includes a business platform 31 capable of communicating with the mobile payment device 1 and the seller device 2 via a network (for example, the Internet) and a payment system 32 capable of communicating with the business platform 31.

The communication unit 11 can communicate with the business platform 31 and the cloud server 4 of the payment servo system 3 via a network (for example, the Internet), and the storage unit 13 stores the application 160; the hardware security carrier 14 stores the The multi-dimensional bar code is set to a password, and the multi-dimensional bar code is a fixed multi-dimensional bar code previously provided by the business platform 31 of the payment servo system 3. In the present embodiment, the hardware security carrier 14 is a mobile payment card that is removably electrically connected to the mobile payment device 1 or a mobile payment module built into the mobile payment device 1. The input unit 15 can be any input interface that can be input by the user to operate the mobile payment device 1, such as a keyboard, a touch keyboard or a touch screen.

Therefore, in the above step S1, when the user wants to use the multi-dimensional barcode to open the application 160 installed by the mobile payment device 1 through the input unit 15, the processing unit 16 asks the user to input a password and provides the password to the hardware. The safety carrier 14 and the hardware safety carrier 14 verify that the password is correct before outputting the multi-dimensional barcode to the display unit 12 via the processing unit 16. And the above fixed multi-dimensional bar code is usually applied to commodity transactions of small payment.

In addition, in the above step S1, the manner in which the multi-dimensional barcode is displayed in this embodiment is as follows.

The mobile payment device 1 may store a part of the fixed multi-dimensional barcode in the hardware security carrier 14 of the mobile payment device 1, and a part of the mobile platform 31 or a cloud server 4 of the payment server 3; When the user wants to use the multi-dimensional barcode to open the application 160 of the mobile payment device 1, the processing unit 16 connects to the business platform 31 of the payment servo system 3 or the cloud server 4 through the communication unit 11, and requires the user to input. After a password is provided and the password is provided to the hardware security carrier 14 to verify that the password is correct, the partial multi-dimensional barcode is obtained from the business platform 31 of the payment servo system 3 or the cloud server 4, and the hard-coded The part of the multi-dimensional barcode stored by the body safety carrier 14 is combined into the multi-dimensional barcode and displayed on the display unit 12.

Alternatively, the multi-dimensional bar code may be divided into a plurality of files stored in the hardware secure carrier 14 of the mobile payment device 1. When the user wants to use the multi-dimensional bar code to open the application 160 of the mobile payment device 1, the processing unit 16 will ask the user to enter a password and provide the password to the hardware security carrier 14. After the hardware security carrier 14 verifies that the password is correct, the processing unit 16 can read the security carrier 14 from the hardware. The files are combined into the multi-dimensional barcode and displayed on the display unit 12.

Alternatively, when the mobile payment device 1 does not have the hardware security carrier 14, the multi-dimensional barcode may be divided into at least two files and stored in the storage unit 13 of the mobile payment device 1, and at least the files A file is protected by encryption. Therefore, when the user wants to use the multi-dimensional barcode to open the application 160 of the mobile payment device 1, the processing unit 16 reads the files from the storage unit 13 and asks the user to input at least one password, and according to the password, After the at least one file encrypted and protected is decrypted, the files are combined into the multi-dimensional barcode and displayed on the display unit 12.

Alternatively, the multi-dimensional barcode may be a fixed multi-dimensional barcode obtained by the application 160 installed in the mobile payment device 1 via the online application method, and acquired by the mobile payment device 1 to the business platform 31 of the payment servo system 3, and The application 160 also stores the multi-dimensional barcode in it or in the storage unit 13 of the mobile payment device 1 in a software encryption manner. Therefore, when the user wants to use the multi-dimensional barcode to open the application 160 installed by the mobile payment device 1 through the input unit 15, the application 160 will ask the user to input a password, and after the application 160 verifies that the password is correct, the application After the multi-dimensional barcode is taken out from the storage unit 13 and decrypted, the output is output to the display unit 12 via the processing unit 16.

Alternatively, the application 160 may store a part of the multi-dimensional barcode in the storage unit 13 of the mobile payment device 1 and/or a part thereof stored in the application 160, and a part of the business platform 31 stored in the payment servo system 3. Or cloud server 4. Therefore, when the user wants to use the multi-dimensional barcode to open the application 160 of the mobile payment device 1, the application 160 will ask the user to input a password, and after the application 160 verifies that the password is correct, the application 160 will pass the The mobile payment device 1 is connected to the business platform 31 of the payment servo system 3 or the cloud server 4 to obtain the partial multi-dimensional barcode, and then the multi-dimensional barcode stored therein and/or stored in the storage unit 13 After the barcodes are combined into the multi-dimensional barcode, they are output to the display unit 12 via the processing unit 16.

Alternatively, the application 160 may divide the multi-dimensional barcode into a plurality of files and store them in the storage unit 13 of the mobile payment device 1 or store in the application 160, and activate the mobile payment device when the user wants to use the multi-dimensional barcode. When the application 160 of the application 160 asks the user to input a password and the application 160 verifies that the password is correct, the application 160 reads the files from or from the storage unit 13 and combines them into After the multi-dimensional barcode is output, it is output to the display unit 12 via the processing unit 16. Alternatively, the application 160 divides the multi-dimensional barcode into at least two files, and encrypts and protects at least one of the files, and stores the files in the storage unit 13 of the mobile payment device 1 or stored in the storage unit 13 In the application 160 itself, when the mobile payment device 1 is to display the multi-dimensional barcode, the application 160 reads the files from or from the storage unit 13 and is cryptographically protected according to the input at least one password. After the at least one file is decrypted, the files are combined into the multi-dimensional barcode, and the multi-dimensional barcode is output to the display unit 12 via the processing unit 16.

In addition, the multi-dimensional barcode can also be dynamically generated by the hardware security carrier 14 of the mobile payment device 1. In this embodiment, when there is only one payment method, for example, the user sets in the application 160 of the mobile payment device 1. If the payment instrument uses only one credit card, the first payment data may be pre-stored in the hardware security carrier 14; or when there are more than two payment methods, such as the user's application 160 in the mobile payment device 1 When the payment tool set in the payment tool has a plurality of credit cards and cash transfers, the processing unit 16 of the mobile payment device 1 generates the first payment data according to a payment method selected by the user and provides the first payment data to the hardware safety carrier 14 . . Therefore, when the mobile payment device 1 is to display the multi-dimensional barcode, the hardware security carrier 14 may require the user to input a password, and after verifying that the password is correct, the hardware security carrier 14 passes through the processing unit 16 and The communication unit 11 is connected to the business platform 31 of the payment servo system 3 to request an authentication parameter from the payment servo system 3, and to use the key shared with the business platform 31 of the payment servo system 3 to After the code generates the verification information, and the multi-dimensional barcode is generated according to the verification information and the first payment data and the authentication parameter, the multi-dimensional barcode is output to the display unit 12 via the processing unit 16.

Alternatively, when the mobile payment device 1 does not have the hardware security carrier 14, the multi-dimensional barcode can also be dynamically generated by the application 160 installed by the mobile payment device 1. In this embodiment, when there is only one payment method, for example, If the payment instrument set in the application 160 of the mobile payment device 1 uses only one credit card, the first payment data may be stored in the application 160 in advance; or when there are two or more payment methods, such as the user. When the payment instrument set in the application 160 of the mobile payment device 1 has a plurality of credit cards and cash transfers, the processing unit 16 of the mobile payment device 1 generates the first payment data according to a payment method selected by the user. Provided to the application 160. Therefore, when the mobile payment device 1 displays the multi-dimensional barcode to execute the application 160, the application 160 asks the user to input a password, and after verifying that the password is correct, the application 160 passes the mobile payment device. 1 requesting an authentication parameter from the business platform 31 of the payment servo system 3, and using a key shared with the business platform 31 to code the authentication parameter to generate the verification information, and according to the verification information and the first payment data And the authentication parameter generates the multi-dimensional barcode to output the multi-dimensional barcode to the display unit 12 via the processing unit 16.

Therefore, in the above step S5, the business platform 31 stores the key and the authentication parameter, and after the business platform 31 receives the payment information and obtains the verification information therefrom, in the above step S6, the business platform 31 Whether the authentication parameter in the payment information is the same as the authentication parameter stored in the business platform 31 itself, and if so, the business platform uses the key stored by itself to slap the authentication parameter stored by itself to generate a confirmation. And after confirming that the verification information in the payment information is the same as the verification code generated by itself (that is, the verification information is correct), the payment information is transmitted to the payment system 32 to perform the above steps S7, S8, the payment. The system 32 executes the payment program based on the payment information and generates the payment result, and transmits the payment result to the mobile payment device 1 and the seller device 2.

In addition, another alternative is that the payment system 32 stores the key and the authentication parameter, and the hardware security carrier 14 or the application 160 of the mobile payment device 1 is directed to the payment system via the mobile payment device 1. 32. The authentication parameter is requested, and the authentication parameter is coded using a key shared with the payment system to generate the verification information. And in the above step S5, the commerce platform 31 transmits the received payment information to the payment system 32, and in the above step S6, the payment system 32 compares the authentication parameter in the payment information with the storage parameter itself. Whether the authentication parameter is the same, and if so, the payment system 32 uses the key stored by itself to slap the authentication parameter stored by itself to generate a confirmation code, and confirms that the verification information in the payment information is generated by itself. After the confirmation code is the same (that is, the verification information is correct), the above steps S7, S8 are executed, and the payment system 32 executes the payment program based on the payment information.

And another modified embodiment of the above paragraphs 0062 to 0065 is that the hardware safety carrier 14 or the application 160 sends the payment platform 1 to the business platform 31 or the payment system 32 of the payment servo system 3 via the mobile payment device 1. At the same time as the authentication parameters are required, a transaction payment amount is also transmitted to the business platform 31 or the payment system 32. The transaction payment amount may be that the buyer verbally informs the buyer when the transaction is paid, and then the buyer inputs the transaction payment amount by a transaction amount input screen (not shown) provided by the application 160 of the mobile payment device 1; or The communication unit 11 of the mobile payment device 1 can also perform short-range wireless communication with the seller device 2 via a short-range wireless communication function, such as NFC, and the processing unit 16 executes the application 160 and causes the communication unit 11 to receive the seller device 2 The payment billing information is displayed on the display unit 12 for the user (buyer) to confirm, and then the payment amount included in the payment billing data is received by the hardware security vehicle 14 or the application program 160. The mobile payment device 1 transmits to the business platform 31 or the payment system 32. And the hardware security vehicle 14 or the application program 160 uses the key to charge the authentication parameter and the transaction payment amount to generate the verification information, and generates the verification information according to the verification information, the first payment data, and the authentication parameter. Multidimensional barcode.

Therefore, the business platform 31 or the payment system 32 stores the key, the authentication parameter and the transaction payment amount, and in the above steps S5, S6, the business platform 31 or the payment system 32 compares the transaction in the payment information. The payment amount and the authentication parameter are the same as the transaction payment amount and the authentication parameter stored by itself, and if so, the password stored by itself is used to charge the authentication parameter stored by itself to generate a confirmation code, and After confirming that the verification information in the payment information is the same as the confirmation code generated by itself (that is, the verification information is correct), the above steps S7, S8 are performed, and the payment system 32 executes the payment program according to the payment information.

Furthermore, another way for the hardware security carrier 14 to dynamically generate a multi-dimensional barcode is to generate a multi-dimensional barcode directly without obtaining an authentication parameter from the payment servo system 3. In this embodiment, the hardware security carrier 14 and the payment The business platform 31 of the servo system 3 needs to pre-store the verification information that is set (contracted) in advance. When the mobile payment device 1 is to display the multi-dimensional barcode, the hardware security carrier 14 requires the user to input a password, and after verifying the password is correct, the hardware security carrier 14 is based on the stored therein. The verification information and the first payment profile generate the multi-dimensional barcode and output to the display unit 12 for display via the processing unit 16.

Alternatively, when the mobile payment device 1 does not have the hardware security carrier 14, the multi-dimensional barcode may be authenticated by the application 160 installed in the mobile payment device 1 to the payment servo system 3 without the need of the mobile payment device 1. Dynamically generated in the case of parameters, that is, the application platform 160 and the business platform 31 of the payment servo system 3 need to store the verification information in advance, and when the mobile payment device 1 displays the multi-dimensional barcode and executes the application 160, the application The program 160 requires the user to input a password, and after verifying that the password is correct, the application 160 generates the multi-dimensional barcode according to the verification information and the first payment data stored therein and outputs the multi-dimensional barcode to the display unit 12 via the processing unit 16. display.

Therefore, in the above step S5, after the commerce platform 31 receives the payment information and obtains the verification information therefrom, in the above step S6, the commerce platform 31 verifies that the verification information extracted from the payment information is correct by using the verification information stored therein. Thereafter, the payment information is transmitted to the payment system 32, causing the payment system 32 to execute the payment program based on the payment information, and transmit the payment result to the mobile payment device 1 and the seller device 2.

In addition, another alternative is that the hardware security carrier 14 and the payment system 32 respectively store the verification information that is set (contracted) in advance, and in the above step S5, the business platform 31 receives the payment information and transmits the information. The payment information is sent to the payment system 32. Therefore, in the above step S6, the payment system 32 verifies the verification information in the payment information with the verification information stored by itself, and then performs the above step S7, and executes according to the payment information. The payment program.

And another modified embodiment of the foregoing paragraphs 0068 to 0071 is when the mobile payment device 1 is to display the multi-dimensional barcode, and the hardware security carrier 14 or the application 160 verifies that the password entered by the user is correct. The hardware security vehicle 14 or the application 160 further transmits a transaction payment amount to the business platform 31 or the payment system 32 of the payment servo system 3 via the mobile payment device 1, and according to the verification information stored therein, The first payment profile and the transaction payment amount generate the multi-dimensional barcode. Similarly, the transaction payment amount may be input by the buyer at the action payment device 1 when the buyer pays the transaction; or the communication unit 11 of the mobile payment device 1 receives the payment account transmitted by the seller device 2, for example, by NFC. After the data is displayed and displayed on the display unit 12 for confirmation by the user (buyer), the payment amount included in the payment billing data is transmitted by the hardware security vehicle 14 or the application program 160 via the mobile payment device 1. The business platform 31 or payment system 32 is provided.

Therefore, in the above steps S5, S6, the business platform 31 or the payment system 32 compares the transaction payment amount and the verification information in the payment information with the transaction payment amount and the verification information stored by itself, and if so, The above steps S7, S8 are executed, and the payment system 32 executes the payment program based on the payment information.

Alternatively, the multi-dimensional barcode may be dynamically generated by the payment servo system 3. In this embodiment, the first payment data and the verification information are pre-stored in the business platform 31 of the payment servo system 3, or as described above. The first payment information is generated by the business platform 31 of the payment servo system 3 according to a payment method provided by the mobile payment device 1. Therefore, when the mobile payment device 1 is to display the multi-dimensional barcode and is connected to the business platform 31 of the payment servo system 3 and request the multi-dimensional barcode, the business platform 31 of the payment servo system requires the user to input a password, and After verifying that the password is correct, the business platform 31 generates the multi-dimensional barcode according to the verification information and the first payment data stored therein, or generates the first payment data according to the payment method provided by the mobile payment device 1, and And generating the multi-dimensional barcode according to the first payment data and the verification information stored therein, and transmitting the multi-dimensional barcode to the mobile payment device 1.

Therefore, in the above step S5, the commerce platform 31 receives the payment information and obtains the verification information therefrom, and in the above step S6, the commerce platform 31 verifies that the verification information in the payment information is correct, and then transmits the payment information. The payment system 32 is caused to cause the payment system 32 to execute the payment program based on the payment information.

Furthermore, another alternative is that the first payment profile and the verification information are pre-stored in the payment system 32 of the payment servo system 3, or the first payment profile is determined by the payment system 32. The payment method provided by the mobile payment device 1 is generated. Therefore, when the mobile payment device 1 is to display the multi-dimensional barcode and is connected to the payment system 32 and requests the multi-dimensional barcode, the payment system 32 requires the user to input a password, and after verifying that the password is correct, the payment system 32: generating the multi-dimensional barcode according to the verification information and the first payment data stored therein, or generating the first payment data according to the payment method provided by the mobile payment device 1, and storing the first payment data according to the first payment data The verification information generates the multi-dimensional barcode and transmits the multi-dimensional barcode to the mobile payment device 1. Therefore, in the above step S5, the commerce platform 31 receives the payment information and transmits the payment information to the payment system 32. In the above steps S6 and S7, the payment system 32 verifies that the verification information in the payment information is correct. Thereafter, the payment program is executed based on the payment information.

And another variation embodiment of the above paragraphs 0074 to 0076 is to connect the business platform 31 or the payment system 32 of the payment servo system 3 when the mobile payment device 1 is to display the multidimensional barcode and request the multidimensional At the time of barcode, the mobile payment device 1 also transmits a transaction payment amount to the commerce platform 31 or the payment system 32, and the commerce platform 31 or the payment system 32 verifies that the password entered by the user is correct, according to the stored therein. The verification information, the first payment data and the transaction payment amount generate the multi-dimensional barcode, or generate the first payment data according to the payment method provided by the mobile payment device 1, and according to the first payment data and the stored in the The verification information and the payment amount of the transaction generate the multi-dimensional barcode. Similarly, the transaction payment amount may be input by the buyer at the action payment device 1 when the buyer pays the transaction; or the communication unit 11 of the mobile payment device 1 receives the payment account transmitted by the seller device 2, for example, by NFC. After the single item is displayed on the display unit 12 for confirmation by the user (buyer), the application payment unit 160 of the mobile payment device 1 transmits the transaction payment amount included in the payment billing data to the mobile payment device 1 via the mobile payment device 1 Business platform 31 or payment system 32.

Therefore, in the above steps S5, S6, the commerce platform 31 or the payment system 32 verifies the transaction payment amount in the payment information and the verification information is the same as the transaction payment amount and the verification information stored by itself, the payment system 32 executes the payment program based on the payment information.

In addition, in the above step S3, after the seller device 2 scans the multi-dimensional barcode, the multi-dimensional barcode is not decoded, and the payment information is generated according to the multi-dimensional barcode and the second payment data, and the transmission is included in step S4. The second payment data and the payment information of the multi-dimensional barcode are sent to the payment servo system 3, and in step S5, the business platform 31 of the payment servo system 3 decodes the multi-dimensional barcode in the payment information to obtain the first payment. And the verification information, and combining the first payment data with the second payment data into a payment instruction, and transmitting the payment instruction to the payment system 32, causing the payment system 32 to perform the above step S7, and executing the payment instruction according to the payment instruction Payment procedure.

Alternatively, in the above steps S3, S4, after the seller device 2 scans the multi-dimensional barcode, it directly decodes the multi-dimensional barcode to obtain the first payment data and the verification information, and according to the first payment data and the second payment. The data generates a payment instruction, and generates the payment information according to the payment instruction and the verification information, and transmits the payment information to the payment servo system 3, and in step S5, the business platform 31 of the payment servo system 3 verifies the payment information. After the verification information is correct, the payment instruction in the payment information is transmitted to the payment system 32, and the payment system 32 performs the above step S7, and the payment program is executed according to the payment instruction.

It is worth mentioning that the above-mentioned hardware security carrier 14 and application 160 capable of dynamically generating multi-dimensional barcodes may also be referred to as a multi-dimensional barcode generation module. And the above steps performed by the single business platform 31 can also be performed by a plurality of business platforms 31 (ie, the payment servo system 3 can include a plurality of business platforms 31), and the steps performed by the single payment system 32 can also be performed by multiple The payment system 32 is implemented (ie, the payment servo system 3 can also include multiple payment systems 32).

Referring to FIG. 4 again, it is a flowchart of the second embodiment of the multi-dimensional barcode action payment method of the present invention. Unlike the first embodiment, in the present case, the present embodiment does not need to be paid by the above. The servo system 3 performs the verification and payment operation, and the mobile payment device 1 and the seller device 2 owned by the store can complete the mobile payment process, and the mobile payment device 1 of the present embodiment is the same as the above. The first embodiment is the same as that shown in FIG. 2 and FIG. 3, and thus will not be described again.

The multi-dimensional barcode action payment method of this embodiment is as follows. First, when the user (buyer) purchases a product at a store and wants to use the action payment, the user opens an application 160 installed by the mobile payment device 1 (for example, multi-dimensional barcode payment software), then the application 160 Executing step S41 of FIG. 4, a multi-dimensional barcode is displayed on the mobile payment device 1 for scanning by the seller device 2, wherein the multi-dimensional barcode includes a verification information and a first payment data (same as the first embodiment of the first embodiment) Next, as shown in step S42 of FIG. 4, after the seller device 2 scans the multi-dimensional barcode, step S43 of FIG. 4 is executed to decode the multi-dimensional barcode to obtain the verification information and the first payment data, and the first A payment profile contains at least one payment account information of the buyer.

Then, as shown in step S44 of FIG. 4, the seller device 2 verifies whether the verification information is correct. If yes, step S45 of FIG. 4 is executed, and a payment program is executed according to the first payment data and the payment account information of the seller, and After the payment process is completed, the seller device 2 records and displays a payment result as shown in step S46 of FIG. 4, and at the same time, as shown in step S47 of FIG. 4, the seller device 2 transmits a short-range wireless communication function, such as NFC and the mobile payment device 1 The communication unit 11 performs short-range wireless communication and transmits the payment result to the mobile payment device 1, and as shown in step S48 of Fig. 4, the mobile payment device 1 displays the payment result, so that the buyer can immediately confirm the payment result. Further, in the above steps S46, S47, the seller device 2 may also record only the payment result and transmit the payment result to the mobile payment device 1, or the seller device 2 performs only the above step S46, and records and displays the payment result. And the above step S47 is omitted.

And after the payment operation is completed, for example, after the completion of the payment operation, for example, after the end of one business day, the payment result is transmitted to the payment system 32 of the payment servo system 3 to request payment from the payment system 32, then the payment system 32 according to the payment system 32 The payment result (including at least the buyer's payment account information and the seller's payment account information) is used for deduction.

If the seller device 2 verifies that the verification information is incorrect in the above step S44, the seller device 2 transmits a verification failure message to the mobile payment device 1 to display the verification failure message, as shown in step S49 of FIG. In order to notify the buyer that the payment verification was unsuccessful.

In addition, the multi-dimensional barcode of the embodiment is a fixed multi-dimensional barcode provided in advance by the business platform 31 of the payment servo system 3 shown in FIG. 2, and the fixed multi-dimensional barcode is stored and read in various manners. The first embodiment is the same, and thus will not be described again.

In addition, as described in the first embodiment, the multi-dimensional barcode of the embodiment can also be dynamically generated by the hardware security carrier 14 or the application 160 of the mobile payment device 1 without obtaining the authentication parameter, or by payment. The business platform 31 of the servo system 3 is dynamically generated, and thus will not be described again.

In summary, the present invention displays a multi-dimensional barcode by the mobile payment device 1 for scanning by the seller device 2, and the seller device 2 generates a payment information according to the multi-dimensional barcode and transmits it to the payment servo system 3, so that the payment information is based on the payment information. Performing verification and executing a payment procedure, or by the seller device 2 directly verifying according to the multi-dimensional barcode and executing a payment procedure, and returning a payment result to the mobile payment device to achieve the transaction legality of the instant verification action payment of the present invention. The effectiveness and purpose of ensuring transaction security.

However, the above is only the embodiment of the present invention, and the scope of the invention is not limited thereto, and all the simple equivalent changes and modifications according to the scope of the patent application and the patent specification of the present invention are still Within the scope of the invention patent.

1‧‧‧Mobile payment device

11‧‧‧Communication unit

12‧‧‧Display unit

13‧‧‧ storage unit

14‧‧‧ Hardware Safety Vehicle

15‧‧‧Input unit

16‧‧‧Processing unit

2‧‧‧Seller installation

3‧‧‧Payment Servo System

31‧‧‧Business Platform

32‧‧‧Payment system

4‧‧‧Cloud Server

S1~S11‧‧‧ steps

S41~S49‧‧‧Steps

Other features and effects of the present invention will be apparent from the embodiments of the drawings, wherein:

1 is a flow chart showing the main flow steps of the first embodiment of the mobile payment method of the present invention;

2 is a circuit block diagram mainly illustrating a circuit block included in the mobile payment device in the first embodiment and an electronic device included in the payment servo system;

3 is a circuit block diagram mainly illustrating that the mobile payment device omits the hardware security carrier and the processing unit executes an application;

4 is a flow chart showing the main flow steps of the second embodiment of the mobile payment method of the present invention.

Claims (19)

A multi-dimensional barcode action payment method is applied to a mobile payment device installed by a user, a seller device owned by a store, and a payment servo system capable of communicating with the mobile payment device and the seller device via a network, and includes The following steps: (A) the mobile payment device displays a multi-dimensional barcode, the multi-dimensional barcode is provided by the payment servo system, the multi-dimensional barcode includes a verification information and a first payment data, and the verification information is stored in the payment servo system; (B) the seller device scans the multi-dimensional barcode, and generates a payment information according to the multi-dimensional barcode and a second payment data and transmits the payment information to the payment servo system, and the second payment data is provided by the seller device; (C) the payment servo system obtains the verification information included in the multi-dimensional barcode from the payment information, and after verifying that the verification information is correct, executing a payment program according to the payment information; (D) The payment servo system returns a payment result associated with the payment program to the mobile payment device and the seller device. The multi-dimensional barcode action payment method according to claim 1, wherein in the step (A), the multi-dimensional barcode is a fixed multi-dimensional barcode and stored in a hardware security carrier of the mobile payment device. The multi-dimensional barcode action payment method according to claim 1, wherein in the step (A), the multi-dimensional barcode is a fixed multi-dimensional barcode, and a part of the multi-dimensional barcode is stored in a hardware safety carrier of the mobile payment device. One part is stored in the payment servo system or a cloud server, and when the mobile payment device is to display the multi-dimensional barcode, it is connected with the payment servo system or the cloud server to obtain the partial multi-dimensional barcode, and the hard The portion of the multi-dimensional barcode stored by the body safety carrier is combined into the multi-dimensional barcode. The multi-dimensional barcode action payment method according to claim 1, wherein in the step (A), the multi-dimensional barcode is a fixed multi-dimensional barcode, and the multi-dimensional barcode is divided into a plurality of files and stored in a hardware of the mobile payment device. In the safety vehicle, when the mobile payment device is to display the multi-dimensional bar code, it reads the files from the hardware security carrier and combines them into the multi-dimensional bar code. The multi-dimensional barcode action payment method according to claim 1, wherein in the step (A), the multi-dimensional barcode is a fixed multi-dimensional barcode, and the multi-dimensional barcode is divided into at least two files and stored in one of the mobile payment devices. In the storage unit, and at least one of the files is encrypted and protected, when the mobile payment device is to display the multi-dimensional barcode, the file is read, and the at least one password is to be cryptographically protected according to the input at least one password After the files are decrypted, the files are combined into the multi-dimensional barcode. The multi-dimensional barcode action payment method according to claim 1, wherein in the step (A), the multi-dimensional barcode is an application installed in the mobile payment device, and the online payment application device obtains the payment servo device from the payment payment system. A fixed multi-dimensional barcode, and the application stores the multi-dimensional barcode in a software encryption or a storage unit of the mobile payment device. The multi-dimensional barcode action payment method according to claim 1, wherein in the step (A), the multi-dimensional barcode is an application installed in the mobile payment device, and the online payment application device obtains the payment servo device from the payment payment system. a fixed multi-dimensional barcode, and the application stores a part of the multi-dimensional barcode in a storage unit of the mobile payment device and/or a part thereof is stored in the application, and a part is stored in the payment servo system or a cloud server When the mobile payment device is to display the multi-dimensional barcode, the application is connected to the payment servo system or the cloud server via the mobile payment device to obtain the partial multi-dimensional barcode, and then stored therein and/or stored in the The portion of the multi-dimensional barcode in the storage unit is combined into the multi-dimensional barcode. The multi-dimensional barcode action payment method according to claim 1, wherein in the step (A), the multi-dimensional barcode is an application installed in the mobile payment device, and the online payment application device obtains the payment servo device from the payment payment system. a fixed multi-dimensional barcode, and the application divides the multi-dimensional barcode into a plurality of files and stores them in a storage unit of the mobile payment device or stored in the application, when the mobile payment device is to display the multi-dimensional barcode The application reads the files from or into the storage unit and combines them into the multi-dimensional barcode; or the application divides the multi-dimensional barcode into at least two files and encrypts and protects at least one of the files Storing the files in the storage unit of the mobile payment device or in the application, when the mobile payment device is to display the multi-dimensional barcode, the application reads the files from or from the storage unit And decrypting the at least one file that is encrypted and protected according to the input at least one password, to combine the files into the file Multidimensional barcode. The multi-dimensional barcode action payment method of claim 1, wherein the multi-dimensional barcode is dynamically generated by the payment servo system, and the first payment data is generated by the payment servo system according to a payment method provided by the mobile payment device. When the mobile payment device is to display the multi-dimensional barcode and is connected to the payment servo system and request the multi-dimensional barcode, the first payment data is generated according to the payment method provided by the mobile payment device, and according to the first payment data and The verification information stored in the payment servo system generates the multi-dimensional barcode and transmits the multi-dimensional barcode to the mobile payment device. The multi-dimensional barcode action payment method of claim 1, wherein the payment servo system comprises a business platform and a payment system, and in step (A), the multi-dimensional barcode is dynamically generated by the business platform, and the business is The platform is generated according to the payment method provided by the mobile payment device; when the mobile payment device is to display the multi-dimensional barcode and is connected to the business platform and requests the multi-dimensional barcode, the business platform provides the payment according to the mobile payment device Transmitting the first payment data, and generating the multi-dimensional barcode according to the first payment data and the verification information stored therein, and transmitting the multi-dimensional barcode to the mobile payment device, and in step (C), the business platform After receiving the payment information and verifying that the verification information in the payment information is correct, the payment system is caused to execute the payment program according to the payment information. The multi-dimensional barcode action payment method of claim 1, wherein the payment servo system comprises a business platform and a payment system, and in step (A), the multi-dimensional barcode is dynamically generated by the payment system, and the first The payment information is generated by the payment system according to the payment method provided by the mobile payment device; when the mobile payment device is to display the multi-dimensional barcode and is connected to the payment system and requests the multi-dimensional barcode, the payment system is based on the action The payment method provided by the payment device generates the first payment data, and generates the multi-dimensional barcode according to the first payment data and the verification information stored therein, and transmits the multi-dimensional barcode to the mobile payment device, and in step (C) The business platform receives the payment information and transmits the payment information to the payment system. After verifying that the verification information in the payment information is correct, the payment system executes the payment program according to the payment information. The multi-dimensional barcode action payment method according to claim 1, wherein in the step (A), when the mobile payment device is to display the multi-dimensional barcode and is connected to the payment servo system and requests the multi-dimensional barcode, the mobile payment device further Transmitting a transaction payment amount to the payment servo system, and the payment servo system generates the first payment data according to the payment method provided by the mobile payment device, and according to the first payment data and the verification information stored therein and the The transaction payment amount produces the multidimensional barcode. The multi-dimensional barcode action payment method of claim 12, wherein the payment servo system comprises a business platform and a payment system, and in step (A), the multi-dimensional barcode is dynamically generated by the business platform, and the first The payment information is generated by the business platform according to the payment method provided by the mobile payment device; when the mobile payment device is to display the multi-dimensional barcode and is connected to the business platform and requests the multi-dimensional barcode, the mobile payment device transmits the Transmitting a payment amount to the business platform, and the business platform generates the first payment data according to the payment method provided by the mobile payment device, and generating the first payment data according to the first payment data and the verification information stored in the transaction payment amount Transmitting the multi-dimensional barcode to the mobile payment device, and in step (C), the commerce platform receives the payment information and after verifying that the transaction payment amount and the verification information in the payment information are correct, The payment system executes the payment program based on the payment information. The multi-dimensional barcode action payment method of claim 12, wherein the payment servo system comprises a business platform and a payment system, and in step (A), the multi-dimensional barcode is dynamically generated by the payment system, and the first The payment profile is generated by the payment system or by the payment system according to the payment method provided by the payment payment device; when the mobile payment device is to display the multi-dimensional barcode and is connected to the payment system and requests the multi-dimensional barcode The action payment device transmits the transaction payment amount to the payment system, and the payment system generates the multi-dimensional barcode according to the verification information stored in the verification information and the first payment data and the transaction payment amount, or according to the action payment device The payment method generates the first payment data, and generates the multi-dimensional barcode according to the first payment data and the verification information stored in the transaction and the transaction payment amount, and transmits the multi-dimensional barcode to the mobile payment device, and in the step ( In C), the commerce platform receives the payment information and transmits the payment information to the payment system, The transaction payment system to pay the amount of the payment information and the verification of the information correctly, perform the payment according to the payment procedure to verify the information. The multi-dimensional barcode action payment method according to any one of claims 1 to 14, wherein in step (B), the seller device scans the multi-dimensional barcode but does not decode the multi-dimensional barcode, and according to the multi-dimensional barcode and the second The payment data generates the payment information, and transmits the payment information to the payment servo system, and in step (C), the payment servo system decodes the multi-dimensional barcode in the payment information to obtain the first payment data and the verification The information is combined with the second payment data into a payment instruction, and after verifying that the verification information is correct, the payment program is executed according to the payment instruction. The multi-dimensional barcode action payment method according to any one of claims 1 to 14, wherein in step (B), the seller device scans the multi-dimensional barcode and decodes the same to obtain the first payment data and the verification information, and Generating a payment instruction according to the first payment data and the second payment data, generating the payment information according to the payment instruction and the verification information, and transmitting the payment information to the payment servo system, and in step (C), After the payment servo system verifies that the verification information in the payment information is correct, the payment program is executed according to the payment instruction in the payment information. The multi-dimensional barcode action payment method of any one of claims 2 to 4, wherein the hardware security carrier is an action payment card or a built-in action that is removably electrically connected to the mobile payment device An action payment module in the payment device. The multi-dimensional barcode action payment method according to any one of claims 1 to 14, wherein the first payment data includes at least one payment account data of the buyer, and the second payment data includes at least one payment account information of the seller. A payment servo system capable of communicating with a mobile payment device and a seller device, and comprising: a business platform capable of communicating with the mobile payment device and the seller device over the network; and a payment system capable of communicating with the business platform; The business platform provides a multi-dimensional barcode including a verification information and a first payment data to the mobile payment device, so that the mobile payment device can display the multi-dimensional barcode for the seller device to scan the multi-dimensional barcode, and the seller device according to the The multi-dimensional barcode and a second payment data generate a payment information and transmit the payment information to the business platform, and the second payment data is provided by the seller device; The business platform obtains the verification information from the payment information, and after verifying that the verification information is correct, transmitting the payment information to the payment system, so that the payment system executes the payment program according to the payment information and generates a payment program related thereto. a payment result, and the payment result is returned to the mobile payment device and the seller device through the business platform; And the multi-dimensional barcode is a fixed multi-dimensional barcode, or dynamically generated by the business platform according to the first payment data, and the first payment data is stored in the business platform or provided by the business platform according to the mobile payment device. a payment method, when the mobile payment device requests the multi-dimensional barcode, the commerce platform generates the multi-dimensional barcode according to the verification information and the first payment data stored therein, or according to the payment method provided by the mobile payment device The first payment data, and generating the multi-dimensional barcode according to the first payment data and the verification information stored therein, and transmitting the multi-dimensional barcode to the mobile payment device.