TW202011305A - Network payment method and network payment system - Google Patents

Abstract

A network payment method that includes scanning a barcode for generating a payment interface displayed on a mobile device, generating a payment action signal by the mobile device according to a payment action message received by the payment interface, transmitting the payment action signal from the mobile device to a cloud server, relaying the payment action signal from the cloud server to a payment server, the payment server generating a response signal to the cloud server, relaying the response signal from the cloud server to a reading device, sensing an identification device by the reading device for generating a payment result signal, transmitting the payment result signal from the reading device to the cloud server, and relaying the payment result signal from the cloud server to the payment server.

Description

Internet payment method and network payment system

The invention describes an online payment method and an online payment system, in particular an online payment method and an online payment system with high security.

With the rapid development of technology and the Internet, the mobile network has also driven the traditional financial transaction environment to gradually move towards the development of mobile commerce. And the rise of third-party payment systems also means that the trend of using online payment has become a fast and efficient real-time payment model, and can also solve the problems of trust between the two transaction ends and the efficiency of the transaction process. For example, consumers place orders on e-commerce and pay with credit cards. The e-commerce platform gets the money from the card-issuing bank and waits for the product to pass the appreciation period before granting funds to the manufacturer. At this time, e-commerce and card-issuing banks can be regarded as a collection and payment platform, so it can accelerate transaction efficiency.

There are many modes of payment used by traditional users when making payments, such as using a card reader to read credit cards, leisure cards, icash cards, or prepaid stored value cards. The card reader will recognize and verify the legality and compatibility of the payment card. At the same time, the card reader will connect to the corresponding payment system server through a computer with a network function to verify and synchronize the user's payment data. For example, when a user uses a credit card for a payment process, the card reader will connect to the corresponding card-issuing bank server through a computer with a network function to verify the user's credit card information and synchronize the deductions in the user's account. However, general chip card readers or inductive card readers do not have a network connection function. Therefore, users must couple the card reader to a computer, smart phone, notebook computer, or tablet computer with mobile network connection through an extension cable, which reduces the convenience of instant payment. In addition, when the card reader transmits payment data to the corresponding payment system server through a computer, smart phone, notebook computer or tablet computer, it also causes a variety of devices and multiple operation methods due to the lack of management integration of the relay platform Troubled.

An embodiment of the present invention provides an online payment method, which includes scanning a barcode to display a payment interface on a mobile device, and according to the payment behavior message received by the payment interface, the mobile device generates a payment behavior signal, and transmits the payment behavior signal from the mobile device To the cloud server, after receiving the payment behavior signal, the cloud server sends the payment behavior signal to the payment server. After receiving the payment behavior signal, the payment server generates a response signal to the cloud server, and after receiving the response signal, the cloud server The response signal is sent to the reading device. After the reading device receives the response signal, the recognition device is induced to generate a payment result signal, and the payment result signal is sent from the reading device to the cloud server, and after the cloud server receives the payment result signal, Send the payment result signal to the payment server. The barcode includes a two-dimensional barcode or a one-dimensional barcode, the payment interface includes at least one payment mode, and the payment behavior message corresponds to one of the at least one payment mode.

Another embodiment of the invention provides an online payment system. The network payment system includes a mobile device, a payment server, a cloud server and a reading device. The mobile device is used to display and set the payment interface. The payment server is used to process and record payment behavior. The cloud server is connected to the mobile device and the payment server, and is used to transfer data between the mobile device and the payment server. The reading device is connected to the cloud server for sensing and identifying the device. The mobile device scans the bar code to display the payment interface and generates a payment behavior signal according to the payment behavior information received by the payment interface. The mobile device sends the payment behavior signal to the cloud server. After receiving the payment behavior signal, the cloud server transmits the payment behavior signal to the payment server. After receiving the payment behavior signal, the payment server generates a response signal to the cloud server. After receiving the response signal, the cloud server sends the response signal to the reading device. After the reading device receives the response signal, it senses the identification device to generate a payment result signal, and transmits the payment result signal to the cloud server. After receiving the payment result signal, the cloud server transmits the payment result signal to the payment server. The barcode includes a two-dimensional barcode or a one-dimensional barcode, the payment interface includes at least one payment mode, and the payment behavior message corresponds to one of the at least one payment mode.

FIG. 1 is a block diagram of an embodiment of the network payment system 100 of the present invention. It is hereby stated that although the present invention describes a "network payment system", the subsequent communication methods can also be reasonably applied to other communication systems, so any communication method that is reasonably applied to the signal transmission of the invention belongs to The scope disclosed by the present invention. The network payment system 100 includes a mobile device 10, a payment server 11, a cloud server 12, and a reading device 13. The mobile device 10 is used to display and set a payment interface. The mobile device 10 may be a smart phone, a tablet computer, a notebook computer, or a personal digital assistant. The mobile device 10 may include any image capturing device such as a camera device, a lens, and an application program for scanning barcodes. Therefore, the mobile device 10 can capture the image of the barcode BC, and then decode the image of the barcode BC to obtain the information of the barcode BC. The barcode BC may include a two-dimensional barcode or a one-dimensional barcode. For example, the bar code BC may include a quick response matrix code (Quick Response Code) or a linear bar code (One-dimensional Barcode). The bar code BC may carry the information of the website (Uniform Resource Locator). Therefore, after the mobile device 10 decodes the image of the barcode BC, the information of the web address can be retrieved. The payment server 11 is used to process and record payment behavior. The payment server 11 can be any public or private payment system processing machine. For example, the payment server 11 may correspond to a server of a credit card issuing bank company, a server of a leisure card system, and so on. The cloud server 12 is connected to the mobile device 10 and the payment server 12 for transferring data between the mobile device 10 and the payment server 11. The cloud server 12 can be a data control center built using Internet of Things (Internet of Things) standards, and can support multiple transmission protocols, such as wireless fidelity (Wi-Fi) transmission protocol and transmission control protocol/Internet protocol ( TCP/IP) and so on. The reading device 13 is connected to the cloud server 12 for sensing and identifying the device 14. The reading device 13 can be any kind of card reader, such as a chip card reader or an inductive card reader. Therefore, the reading device 13 has the ability to read the data in the identification device 14 and also has the ability to judge the legitimacy of the identification device 14 and the compatibility of the identification device 14. The identification device 14 may be any offline payment identification device or online payment identification device, such as a leisure card, credit card, prepaid card, or identification barcode of an electronic wallet, and so on. The reading device 13 may be installed or include an Internet of Things communication module 13a. The Internet of Things communication module 13a can encrypt, decrypt, and transmit signals transmitted and received between the reading device 13 and the cloud server 12. For example, the IoT communication module 13a may support wireless fidelity transmission protocol and transmission control protocol/Internet protocol, etc. In other words, the cloud server 12 can also be regarded as a gateway device of the Internet of Things. Therefore, the encryption between the IoT communication module 13a and the cloud server 12 can also be a key management mechanism on the security gateway, which can provide data confidentiality and user anonymity.

In the network payment system 100, the mobile device 10 can scan the bar code BC to display the payment interface on the screen 10a (as shown in Figure 2 below), and generate payment behavior based on the payment behavior information received by the payment interface Signal. Then, the mobile device 10 can transmit the payment behavior signal to the cloud server 12. After receiving the payment behavior signal, the cloud server 12 can send the payment behavior signal to the payment server 11. After receiving the payment behavior signal, the payment server 11 can generate a response signal to the cloud server 12. After receiving the response signal, the cloud server 12 can send the response signal to the reading device 13. After receiving the response signal, the reading device 13 can sense the identification device 14 to generate a payment result signal, and send the payment result signal to the cloud server 12. After receiving the payment result signal, the cloud server 12 may send the payment result signal to the payment server 11. The cloud server 12 can also transmit the payment result signal to the mobile device 10 synchronously. Therefore, the user can finally view the payment result through the screen 10a on the mobile device 10.

FIG. 2 is a schematic diagram of the payment interface 10b displayed on the mobile device 10 in the network payment system 100. As mentioned above, after the mobile device 10 scans the barcode BC, the payment interface 10b may be displayed on the screen 10a of the mobile device 10. The steps of generating the payment interface 10b are described below. Since the barcode BC carries the information of the web address, after the mobile device 10 scans the barcode BC, the image of the barcode BC can be decoded to obtain the information of the web address. In addition, the mobile device 10 can be connected to the cloud server 12 using a web address, so that the cloud server 12 generates a message of the payment interface 10b. The cloud server 12 can then send the message of the payment interface 10b to the mobile device 10, so that the mobile device 10 displays the payment interface 10b. In other words, the cloud server 12 can be regarded as providing an integrated payment platform here, and the user can connect to the integrated payment platform through the mobile device 10 to initiate payment. As shown in FIG. 2, the payment interface 10b may include at least one or more payment modes for selection, such as a window W1 for Yoyo card payment, a window W2 for credit card payment, and a window W3 for iCash payment. The payment interface 10b may include N windows W1 to WN with different payment modes, where N is a positive integer. In addition, the windows W1 to WN of the different payment modes of the payment interface 10b of the present invention are not limited to a specific payment mode, and the payment interface 10b displays any number and specific marked online and offline payment modes are within the scope of the present invention. After the payment interface 10b displays windows W1 to WN of different payment modes, the user can select a payment mode to correspond to the payment behavior message. For example, a user wants to use a credit card to purchase a product worth 1,000 yuan. "Credit card purchase worth 1,000 yuan" is the user's payment behavior. Therefore, the user can select the window W2 for credit card payment on the payment interface 10b, and further input the card number and password (or personal information has been bound to the mobile device 10) to start the credit card payment process.

However, as mentioned above, any reasonable technical changes are within the scope disclosed by the present invention. For example, the bar code BC may include both payment behavior information and information corresponding to the website address of the payment interface 10b. For example, the bar code BC may carry the payment behavior message of "purchase by credit card" and the message of the website address of the payment interface 10b. Therefore, after the user scans the barcode BC with the mobile device 10 and enters the value of the product, the payment interface 10b of the mobile device 10 may only display the window W2 for credit card payment. Or, the mobile device 10 can directly enter the credit card payment setting without omitting the payment interface 10b to increase the efficiency of the payment process. Alternatively, the user can switch the desired payment mode at will, so as to increase the operation flexibility of the network payment system 100.

FIG. 3A is the first part of the schematic diagram of the network payment method performed between the mobile device 10, the payment server 11, the cloud server 12, and the reading device 13 in the network payment system 100. FIG. 3B is the second part of the schematic diagram of performing the network payment method among the mobile device 10, the payment server 11, the cloud server 12, and the reading device 13 in the network payment system 100. In order to allow those skilled in the art to have a clearer understanding of the embodiments of the present invention, each process and data communication steps of the network payment method executed by the network payment system 100 will be described in detail below. The network payment method includes steps S301 to S310, and any reasonable technology or step change belongs to the scope disclosed by the present invention. Steps S301 to S310 are described below.

In step S301, the mobile device 10 may scan the bar code BC to display the payment interface 10b. As mentioned above, the payment interface 10b may include at least one payment mode. The user can select one of the at least one payment mode (for example, yoyo card payment) through the payment interface 10b. The user can also use the application of the mobile device 10 to input payment behavior information in the corresponding payment mode. For example, enter the purchase price, credit card number, password and so on. And, as mentioned above, the barcode BC itself may also bring its own payment behavior information, for example, the barcode BC itself may carry information such as a specific payment mode, price, and preferential method. Then, in step S302, the mobile device 10 can generate a payment behavior signal according to the payment behavior information. In step S303, the mobile device 10 can transmit the payment behavior signal to the cloud server 12 through the mobile network or any wireless network. After receiving and authenticating the payment behavior signal, the cloud server 12 transmits the payment behavior signal to the payment server 11 (for example, the server of the leisure card system) according to step S304. Here, the cloud server 12 can be regarded as a relay station (Relay Station) device for transferring the payment behavior signal transmitted from the mobile device 10 to the payment server 11. In step S305, after receiving the payment behavior signal, the payment server 11 generates a response signal (Response Signal/Feedback Signal) to the cloud server 12. The definition of the response signal may be that the payment server 11 establishes a connection with the cloud server 12 according to the request message of the payment behavior signal, and notifies the cloud server 12 of the message that the connection establishment corresponding to the payment behavior is completed.

Then, according to step S306, after receiving the response signal, the cloud server 12 may send the response signal to the reading device 13. Here, the cloud server 12 can be regarded as a relay station device for transferring the response signal from the payment server 11 to the reading device 13. Then, in step S307, after receiving the response signal, the reading device 13 can trigger its sensing function. After that, the reading device 13 can sense the identification device 14 (such as a leisure card) and generate a payment result signal. For example, after the reading device 13 senses the identification device 14, it can verify the current payment status of the identification device 14, such as user balance, payment authority, legality of the identification device 14, and so on. Therefore, after the reading device 13 senses the identification device 14, it can generate a payment success signal or a payment failure signal according to the current payment status of the identification device 14 and the user's payment behavior. In other words, after the reading device 13 senses the recognition device 14, the last payment result signal output may include a payment success signal or a payment failure signal. For example, when the identification device 14 is a leisure card and the balance is sufficient, the payment result signal finally output by the reading device 13 may include a payment success signal with a message of “payment with a leisure card”. Conversely, when the identification device 14 is a leisure card and the balance is insufficient, the payment result signal finally output by the reading device 13 may include a payment failure signal with a message of "payment failed with leisure card". Then, in step S308, the reading device 13 can transmit the payment result signal to the cloud server 12. After the cloud server 12 receives the payment result signal, according to step S309, the cloud server 12 may send the payment result signal to the payment server 11. Here, the cloud server 12 can be regarded as a relay station device for transferring the payment result signal transmitted from the reading device 13 to the payment server 11. It is explained here that the network payment system 100 of the present invention can be applied to an identification device for offline payment or an identification device for online payment. For example, when the identification device 14 is an offline payment identification device (such as a leisure card), the balance of the account is written in the identification device 14. Therefore, after the reading device 13 senses the recognition device 14 according to step S307, the payment amount can be directly deducted from the user account balance, which is equivalent to directly changing the payment status of the recognition device 14 (for example, the payment status is changed from a balance of 1,000 yuan to a balance 800 yuan). More specifically, when the identification device 14 is an offline payment identification device, it may have a memory (such as a non-volatile memory) for storing balance data. When the reading device 13 approaches the identification device 14 for offline payment, the balance data in the internal memory of the identification device 14 can be read by induction. Next, the reading device 13 deducts the balance from the payment amount and generates an updated balance. Finally, the reading device 13 writes the updated balance into the internal memory of the identification device 14 by induction. Therefore, the balance data in the internal memory of the identification device 14 can be updated to the balance data after deducting the payment amount. In step S309, after receiving the payment result signal, the cloud server 12 may send the payment result signal to the payment server 11. Therefore, when the identification device 14 is an identification device for online payment (for example, the identification code of an electronic wallet), the balance of the user account will be synchronized with the payment server 11 corresponding to the identification code (Identification Code, ID Code) of the identification device 14 Payment status. For example, the balance of the user account will be synchronized with the balance in the payment server 11, corresponding to the balance in the electronic wallet of a certain ID Code. Because the identification device 14 can be connected to the payment server 11 through the cloud server 12, after the user successfully executes the payment action in step S307, the payment server 11 can synchronously change the payment status corresponding to the identification code of the identification device 14. For example, the payment server 11 can change the balance in the electronic wallet of the user account corresponding to a certain ID Code from 1,000 yuan to 800 yuan.

Furthermore, after the cloud server 12 transmits the payment result signal to the payment server 11, the payment server 11 can record the payment result signal to generate payment log data. The cloud server 12 can also backup payment history data to improve the payment security of the network payment system 100. Moreover, when the cloud server 12 receives the payment result signal from the reading device 13, in addition to transferring the payment result signal to the payment server 11 according to step S309, it can also send the payment result signal synchronously according to step S310 To mobile device 10. In other words, the payment server 11 and the mobile device 10 can simultaneously receive the payment result signal. Therefore, the user can browse the payment result through the mobile device 10. However, the transmission method of the payment result signal of the network payment system 100 of the present invention is not limited by the above description, and any reasonable signal transmission process falls within the scope disclosed by the present invention. For example, in step S309, after the cloud server 12 transmits the payment result signal to the payment server 11, the payment server 11 can verify the payment result signal. For example, verify the validity, encoding, authenticity, integrity, etc. of the payment result signal. If the verification of the payment result signal is successful, the payment server 11 can send the payment result signal to the mobile device 10 through the cloud server 12. In the network payment process from step S301 to step S310, since the cloud server 12 can be regarded as a relay station, which can monitor, control, and record the data flow of network payment, the network payment system 100 can provide high payment reliability and high payment safety.

Moreover, as mentioned above, although the present invention is an "Internet payment system", its communication method can also be reasonably applied by technicians with general knowledge. For example, the communication methods described in Figure 3A and Figure 3B can also be applied to the company's access control system. Here, the reading device 13 can be replaced with an electronic induction lock, the identification device 14 can be replaced with an access card, and the payment server 11 can be replaced with an access management server. The payment result signal can be replaced with the result signal of whether the electronic sensor lock is unlocked. The access control management server and cloud server can also record the switching history of the electronic induction lock and the identification code data of the access control card being sensed at each time point. Therefore, any reasonable application of the communication methods described in FIGS. 3A and 3B of the present invention belongs to the scope disclosed by the present invention.

In summary, the present invention describes an online payment method and an online payment system. The network payment method and network payment system introduce a cloud server as a relay node (relay station) to transfer data between the mobile device, the reading device, and the payment server. Since the cloud server has the functions of monitoring, controlling and recording the data flow of the network payment, the network payment system of the present invention can improve the reliability of payment and the security of payment. Moreover, the reading device can also use the Internet of Things to establish a connection with the cloud server. Therefore, the cloud server can also be regarded as a gateway device of the Internet of Things. The network encryption method between the reading device and the cloud server can also be classified as a key management mechanism on the security gateway of the Internet of Things, so it can provide data confidentiality and user anonymity. Therefore, in the network payment system of the present invention, the user does not need to couple the reading device to the computer by using an extension cable and further transfer payment data through the high-risk Internet. Instead, the user can directly connect the reading device to the security gateway (cloud server) through the Internet of Things. Therefore, the network payment method and network payment system of the present invention also provide high convenience and high data confidentiality. The above are only the preferred embodiments of the present invention, and all changes and modifications made in accordance with the scope of the patent application of the present invention shall fall within the scope of the present invention.

100: Internet payment system 10: mobile device 10a: screen BC: barcode 11: payment server 12: cloud server 13: reading device 13a: Internet of Things communication module 14: identification device 10b: payment interface W1 to WN: Payment method selection windows S301 to S310: steps

Figure 1 is a block diagram of an embodiment of the network payment system of the present invention. Figure 2 is a schematic diagram of the payment interface displayed on the mobile device in the network payment system of Figure 1. FIG. 3A is the first part of the schematic diagram of the network payment method performed between the mobile device, the payment server, the cloud server, and the reading device in the network payment system of FIG. FIG. 3B is the second part of the schematic diagram of the network payment method performed between the mobile device, the payment server, the cloud server, and the reading device in the network payment system of FIG.

100: Internet payment system

10: Mobile device

10a: screen

BC: Barcode

11: Payment server

12: Cloud server

13: Reading device

13a: IoT communication module

14: Identification device

Claims (18)

An online payment method includes: scanning a code to display a payment interface on a mobile device; based on the payment behavior message received by the payment interface, the mobile device generates a payment behavior signal; the payment behavior signal is transmitted from the The mobile device transmits to a cloud server; after receiving the payment behavior signal, the cloud server transmits the payment behavior signal to a payment server; after receiving the payment behavior signal, the payment server generates a response signal to the cloud server Cloud server; after receiving the response signal, the cloud server transmits the response signal to a reading device; after receiving the response signal, the reading device senses an identification device to generate a payment result signal; and the payment result The signal is transmitted from the reading device to the cloud server; and after receiving the payment result signal, the cloud server transmits the payment result signal to the payment server; wherein the bar code includes a two-dimensional bar code or a one-dimensional bar code, The payment interface includes at least one payment mode, and the payment behavior message corresponds to one of the at least one payment mode. The method according to claim 1, further comprising: after scanning the barcode, the mobile device generates a web address; the mobile device uses the web address to connect to the cloud server, so that the cloud server generates the payment interface message; And the cloud server sends the payment interface message to the mobile device. The method according to claim 1, wherein the barcode includes the payment behavior message and a message corresponding to a website address of the payment interface. The method according to claim 1, further comprising: selecting a payment mode from the at least one payment mode through the payment interface; and inputting the payment behavior message in the payment mode to enable the mobile device to generate the payment Behavioral signal. The method according to claim 1, further comprising: after sensing the identification device, the reading device changes a payment status of the identification device; wherein the identification device is an offline payment identification device. The method according to claim 1, further comprising: after the cloud server transmits the payment result signal to the payment server, the payment server changes a payment status corresponding to an identification code of an identification device ; Where the identification device is an online payment identification device. The method according to claim 1, further comprising: after sensing the identification device, the reading device verifies a current payment status of the identification device to generate a payment success signal or a payment failure signal; wherein the payment result signal includes The payment success signal or the payment failure signal. The method according to claim 7, further comprising: after the cloud server transmits the payment result signal to the payment server, the payment server records the payment result signal to generate payment history data. The method according to claim 1, further comprising: when the cloud server sends the payment result signal to the payment server, the payment result signal is also sent to the mobile device at the same time, so that the payment server and the The mobile device receives the payment result signal synchronously. The method according to claim 1, further comprising: after the cloud server transmits the payment result signal to the payment server, the payment server verifies the payment result signal; and if the payment result signal is successfully verified, the payment The server transmits the payment result signal to the mobile device through the cloud server. An online payment system, including: a mobile device for displaying and setting a payment interface; a payment server for processing and recording a payment behavior; a cloud server connected to the mobile device and the payment server , For transferring data between the mobile device and the payment server; and a reading device, connected to the cloud server, for sensing an identification device; wherein the mobile device scans a code to display a payment interface , And generates a payment behavior signal according to the payment behavior information received by the payment interface, the mobile device transmits the payment behavior signal to the cloud server, and the cloud server receives the payment behavior signal, and then the payment behavior signal The signal is sent to the payment server. After receiving the payment behavior signal, the payment server generates a response signal to the cloud server. After receiving the response signal, the cloud server sends the response signal to the reading device. After receiving the response signal, the reading device senses the identification device to generate a payment result signal, and transmits the payment result signal to the cloud server. After receiving the payment result signal, the cloud server sends the payment result signal Sent to the payment server, the barcode includes a two-dimensional barcode or a one-dimensional barcode, the payment interface includes at least one payment mode, and the payment behavior message corresponds to one of at least one payment mode. The system according to claim 11, wherein the mobile device generates a web address after scanning the barcode, and uses the web address to connect to the cloud server, so that the cloud server generates the payment interface message, and the cloud server The device sends the payment interface message to the mobile device. The system according to claim 11, wherein after the reading device senses the identification device, a payment status of the identification device is changed according to the response signal, and the identification device is an offline payment identification device. The system according to claim 11, wherein after the cloud server transmits the payment result signal to the payment server, the payment server changes a payment status corresponding to an identification code of an identification device, and The identification device is an online payment identification device. The system according to claim 11, wherein the reading device senses the identification device to verify a current payment status of the identification device to generate a payment success signal or a payment failure signal, and the payment result signal includes the Payment success signal or the payment failure signal. The system according to claim 11, wherein after the cloud server transmits the payment result signal to the payment server, the payment server records the payment result signal to generate payment history data. The system according to claim 11, wherein when the cloud server transmits the payment result signal to the payment server, the payment result signal is simultaneously transmitted to the mobile device, so that the payment server and the mobile device Receive the payment result signal synchronously. The system according to claim 11, wherein after the cloud server transmits the payment result signal to the payment server, the payment server verifies the payment result signal, and if the payment result signal verification is successful, the payment server The payment result signal is transmitted to the mobile device through the cloud server.

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