TW202020765A - Composite graphic code information processing method and mobile payment system capable of improving payment convenience by consolidating different graphic code formats - Google Patents

Abstract

The present invention is a composite graphic code information processing method and mobile payment system, which mainly provides a composite graphic code by a vendor. The composite graphic code is formed by providing information in different graphic code formats, then generating a composite graphic code format information by a graphic code format consolidation process, and then generating the composite graphic code by a graphic code generation process. When a consumer uses a mobile device disposed with a payment tool to retrieve the composite graphic code, an application server of a payment tool company is connected, and the application server exchanges an authorization information with a financial unit, and then exchanges a payment certificate with the financial unit according to the obtained authorization information. Finally, the application server and the financial unit respectively send notifications of successful payment to the consumer and the vendor. By consolidating different graphic code formats, the purpose of improving payment convenience is achieved.

Description

Information processing method and mobile payment system of composite graphics

The invention relates to an information processing method and system, in particular to a composite image code processing method and mobile payment system.

With the rapid development of financial technology, more and more consumers are replacing the traditional habit of spending with physical financial cards, physical credit cards or other types of payment cards through mobile payments.

According to the existing technology, when a store provides a consumer mobile payment service, a QR code is often used for the consumer to scan with a mobile device, as long as the consumer has installed a mobile device in advance An electronic wallet, and a virtual card is installed in the electronic wallet, and the virtual card can be used for payment after scanning the two-dimensional code.

However, with the current two-dimensional code technology, the store must first ask the consumer to use the virtual card of the financial card for payment, or the virtual card of the credit card for payment, or even other types of virtual cards, and when the consumer informs To use a financial card or credit card or other types of virtual cards, the store can provide a two-dimensional code with financial card specifications, a two-dimensional code with credit card specifications, or a two-dimensional code with other card specifications. Dimension code allows consumers to scan and pay with the mobile device. The two-dimensional code can be presented through a paper carrier or a display device. It is very inconvenient for the store to prepare two or more two-dimensional codes at any time It is quite inefficient for consumers to tell each time they check out.

Therefore, as far as the above-mentioned problems of the prior art are concerned, it is indeed necessary to propose a more solution.

In view of the above-mentioned shortcomings of the prior art, the main object of the present invention is to provide an information processing method and mobile payment system of a composite image code, which utilizes the mobile payment technology and performs data processing through the network, by integrating different image codes The format to produce the technical effect of improving the convenience of payment.

The main technical means adopted to achieve the above purpose is to make the information processing method of the aforementioned composite graphics include the following steps: provide a first graphics format information, provide a second graphics format information; perform a graphics format consolidation The process generates a composite pattern format information based on the first pattern format information and the second pattern format information; executes a pattern generation process to generate a complex pattern based on the composite pattern format information.

Through the above steps, a shop provides the composite picture code. The composition of the composite picture code first provides the first picture format information and the second picture format information in different formats. The format integration process generates the composite code format information, and then executes the code generation process to generate the composite code; the consumer can use a mobile device to retrieve the composite code, and according to the composite code One-time support for different types of virtual cards for mobile code scanning payment services, by combining different graphics formats, to achieve the purpose of improving the convenience of payment.

Another major technical means adopted to achieve the above purpose is to make the aforementioned mobile payment system with composite codes include: an application server connected to the network; a financial unit connected to the application server through the network ; A mobile device installed with a payment tool program and connected to the network; wherein, the mobile device retrieves a composite code at the near end and connects to the application server according to the composite code, and is connected by The application server exchanges authorization information with a financial unit, and the application server exchanges a payment certificate with the financial unit based on the obtained authorization information to complete the payment service.

With the above structure, the near-end composite code can be provided by a store and can be scanned by a consumer holding the mobile device. After the mobile device retrieves the composite code, the mobile device uses the composite code and The application server is linked so that the application server exchanges the authorization information with the financial unit, and exchanges the payment certificate with the financial unit according to the authorization information, and finally completes the mobile code scanning payment service; by merging different graphic formats , The composite graphic code can support different types of virtual cards at one time to carry out mobile code scanning payment service, to achieve the purpose of improving the convenience of payment.

For the first preferred embodiment of the mobile payment system of the present invention, please refer to FIG. 1, which includes a store vehicle 10A, a consumer’s mobile device 20, and an application server of a payment tool manufacturer Device 30 and a financial unit 40, the financial unit 40 is connected to the application server 30 through the network, the mobile device 20 is installed with a payment tool program (APP) 21, and the mobile device 20 is connected to the network, the store’s The carrier 10A has a composite picture code 11, and the composite picture code 11 is integrated with different picture formats, and can support different types of virtual cards at once. For the consumer's mobile device 20, When the mobile device 20 is close to the compound image 11, the compound image 11 belongs to the near end of the mobile device 20.

As shown in FIG. 1, when a consumer wants to spend at a store, the consumer only needs to hold the mobile device 20 and execute the payment instrument program (APP) 21 to retrieve or scan the near-end compound through the mobile device 20 Code 11, and after the mobile device 20 captures or scans the composite code 11, connects to the application server 30 according to the composite code 11, and the application server 30 sends the financial code to the financial unit 40 exchanges authorization information, and then the application server 30 exchanges a payment certificate with the financial unit 40 according to the obtained authorization information, and finally completes the mobile code scanning payment service.

Further, the composition of the composite graphic code 11 is to firstly provide different graphic format information, generate a composite graphic format information through a graphic format consolidation process, and then generate the composite graphic by a graphic code generation process Picture code 11; by merging different picture code formats, the composite picture code 11 can support different types of virtual cards at one time, improving the convenience of payment.

In the preferred embodiment, the composite code 11 includes a two-dimensional code and a QR Code; the vehicle includes a paper, a poster, and a non-metallic card; etc.; the mobile device 20 includes a smart type Mobile phones, a wearable device, a tablet computer, a notebook computer and a portable smart device, etc.; the payment tool program (APP) 21 includes an electronic wallet.

Please refer to FIG. 2. In the preferred embodiment, the financial unit 40 further includes an intermediary agency server 41, a card issuer server 42 and an acquiring server 43. The intermediary agency server 41, the The card issuer server 42 and the acquiring server 43 can be respectively connected to the network and exchange data through the network;

In the preferred embodiment, when a consumer launches the payment tool program (APP) 21 on the mobile device 20 and retrieves or scans the near-end composite image 11 through the mobile device 20, the payment The utility program (APP) 21 establishes a connection between the mobile device 20 and the application server 30 according to the result of parsing the composite graphic code 11, and the application server 30 sends the connection to the intermediary institution server 41 of the financial unit 40 An authorization request, the intermediary institution server 41 further sends the foregoing authorization request to the card issuer server 42 of the financial unit 40 to exchange the authorization information, and the intermediary institution server 41 sends the authorization information to The application server 30;

Then, when the application server 30 obtains the authorization information, it sends a payment request to the intermediary institution server 41 of the financial unit 40, and then the intermediary institution server 41 further sends the payment unit 43 to the financial institution 40's acquiring server 43 The payment request is sent in exchange for the aforementioned payment voucher. In the preferred embodiment, the application server 30 and the financial unit 40 send a notification of successful payment to the consumer and the store respectively, further improving Convenience of scanning code payment between store and consumer.

For the second preferred embodiment of the mobile payment system of the present invention, please refer to FIG. 3, the main technical content of this preferred embodiment is substantially the same as the previous embodiment, but this preferred embodiment The electronic device 10B replaces the carrier 10A of the previous embodiment; in the preferred embodiment, the electronic device 10B can provide the aforementioned composite pattern 11 for the user to retrieve through the mobile device 20 Or scan the composite graphic 11 at the near end, so that the store can directly display the composite graphic 11 through the electronic device 10B at the cash register, so as to improve the durability and security of the composite graphic 11. In the preferred embodiment, the electronic device 10B may include a computer device, a display, a screen, and a digital TV.

To illustrate the specific structure of the composite pattern 11 in the above preferred embodiments of the present invention, please refer to FIGS. 4 and 5, which provide a first pattern format information 111 and a second pattern format information 112;

As shown in FIG. 4, the first image format information 111 includes a majority of first acquiring information and a majority of reserved intervals, and the majority of reserved intervals are set in the majority of first acquiring information, in the preferred embodiment Most of the first acquiring information includes more than one set of numbers (ID) and corresponding names (Name), a sub-number (SUB ID), a length (Length), a value (Value) and a note (Memo ), most reserved intervals are interspersed in most of the first acquiring information at intervals, for example: the numbers 00~26 are stored and support the use of the first image of the acquiring information, but the numbers 35~40, 53 ~54...is a reserved interval for the second picture code's acquiring information.

As shown in FIG. 5, the second image format information 112 includes most second acquiring information and a reserved expansion area, and the reserved expansion area is located at the front, middle, or back of most second acquiring information In the preferred embodiment, most of the second acquiring information includes a standard identification code (TWQRP), a name, a country code, a transaction type, and a version, and further includes a clear text area (Type D) 1. A ciphertext area (category E), the reserved expansion area (category O) is continued after the ciphertext zone (category E), for example: the second image format information 112 has an original content, according to the original content Perform an encoding format conversion (as shown in the table at the bottom of FIG. 5), thereby generating the representative image code.

Please refer to FIG. 6A, wherein each second acquiring information is provided with an ID (ID), which corresponds to most reserved intervals in the first image format information 111, as shown in FIGS. 6A and 6B, for example: The standard identification code (TWQRP) corresponds to the group number (ID) of 35~40, then the standard identification code (TWQRP) corresponds to the group number (ID) of the name (Name), the sub-number ( SUB ID), the length (Length), the value (Value) and the memo (Memo) are integrated to the original reserved interval of the first picture format information 111, as shown in FIG. 6B, the first picture format The original reserved interval of the information 111 supports the use of the second image code, and other second acquiring information can be deduced by analogy to form a composite image code information 113, which will not be repeated here. Through the above-described image code format integration process of the preferred embodiment, the composite image format information 113 as shown in FIG. 6B is generated; finally, a image code generation process is executed to generate the composite image.

In the preferred embodiment, the first pattern format information 111 may be a credit card pattern specification, and the second pattern format information 112 may be a financial card pattern specification; therefore, when the mobile device 20 retrieves and Parsing the composite code, the corresponding transaction procedure to be started can be determined according to the acquisition information in the composite code, for example: the mobile device 20 determines whether the composite code has the information in the acquisition information The standard identification code (TWQRP), if it exists, belongs to the credit card code specification or the financial card code specification according to the standard identification code (TWQRP) to start the credit card transaction program or financial card transaction program.

According to the above-mentioned preferred embodiments and specific application methods of the present invention, a compound image information processing method can be further summarized, which can be implemented in the aforementioned carrier 10A/electronic device 10B of the store and the consumer’s actions Between the device 20 and the application server 30 of the payment tool manufacturer, as shown in FIG. 7, the method includes the following steps: providing a first image format information and providing a second image format information (S71); execute one The code format integration process generates a composite graphic format information based on the first graphic format information and the second graphic format information (S72); executes a graphic code generation process based on the composite graphic format information Generate a composite pattern (S73).

Further, when the above steps are executed to the step of "executing a picture format consolidation process, generating a composite picture format information based on the first picture format information and the second picture format information (S72)", such as As shown in FIG. 8, the method further includes the following sub-steps: according to the majority reserved interval of the first image format information, insert the majority of the second acquiring information of the second image format information into the first image respectively In the reserved intervals of the format information (S721); according to inserting the majority of the second acquiring information into the reserved intervals of the first image format information, a composite image format information is generated (S722).

In the preferred embodiment, when the above steps are executed to "execute a picture format integration process, a composite picture format information is generated based on the first picture format information and the second picture format information (S72) ", as shown in FIG. 9, the method may further include the following sub-steps: based on a reserved expansion area of the second image format information, the majority of the first acquiring information of the first image format information, Incorporate into the reserved expansion area in sequence (S723); According to sequentially merge the majority of the first acquiring information into the reserved expansion area, another composite pattern format information is generated (S724).

Further, after the above step executes the step of "execution of a code generation procedure and generation of a composite code based on the composite code format information (S73)", as shown in FIG. 10, the method further includes the following steps: The mobile device 20 retrieves the composite code (S74), and determines whether there is a standard identification code (TWQRP) according to the composite code (S75); if it is, the mobile device 20 starts a corresponding one Transaction procedure; in this preferred embodiment, when the aforementioned steps are performed to the step of "if it is, then a corresponding transaction procedure is started by the mobile device 20", the method further includes the following sub-steps: The standard identification code (TWQRP) determines whether it is a standard identification code of the first image code (S76); if it is, the mobile device 20 executes a first image code analysis program (S77) according to the composite image code The acquiring information starts a corresponding first transaction procedure (S78); in the preferred embodiment, the first transaction procedure refers to a credit card code payment procedure; if not, the mobile device 20 executes a The second image parsing program (S79) starts a corresponding second transaction program (S80) according to the acquiring information of the composite image; in the preferred embodiment, the second transaction program refers to a Payment procedures for financial card graphics.

Therefore, the present invention is mainly provided by the store to provide the composite graphic code. The composition of the composite graphic code first provides the first graphic format information 111 and the second graphic format information 112 in different formats. The image format integration process generates the composite image format information 113, and then executes the image code generation process to generate the composite image; the consumer can use the mobile device 20 to retrieve the composite image, and according to The composite code supports different types of virtual cards (such as credit cards and debit cards) at one time for mobile code scanning payment services, and improves the convenience of using payment services between stores and consumers by consolidating different code formats .

10A: Vehicle 10B: Electronic device 11: Composite pattern 111: First pattern format information 112: Second pattern format information 113: Composite pattern format information 20: Mobile device 21: Payment tool program 30: Application Server 40: Financial unit 41: Intermediary agency server 42: Card issuer server 43: Acquiring server

FIG. 1 is a block diagram of the system architecture of the first preferred embodiment of the present invention. 2 is a block diagram of another system architecture of the first preferred embodiment of the present invention. FIG. 3 is a block diagram of the system architecture of the second preferred embodiment of the present invention. FIG. 4 is a schematic diagram of the first pattern format information of the preferred embodiment of the present invention. FIG. 5 is a schematic diagram of the second image format information of the preferred embodiment of the present invention. FIG. 6A is a schematic diagram of acquiring information and numbering in a second image format in a preferred embodiment of the present invention. FIG. 6B is a schematic diagram of information of a combined composite pattern format after the preferred embodiment of the present invention. 7 is a flowchart of an information processing method according to a preferred embodiment of the present invention. FIG. 8 is a flowchart of the integration procedure of the information processing method of the preferred embodiment of the present invention. 9 is a flowchart of another integrated procedure of the information processing method of the preferred embodiment of the present invention. 10 is a flowchart of another information processing method according to a preferred embodiment of the present invention.

10A: Vehicle

11: Compound code

20: Mobile device

21: Payment tool program

30: Application server

40: Financial unit

Claims (10)

An information processing method of a composite pattern, the method includes the following steps: providing a first pattern format information and providing a second pattern format information; executing a pattern format integration process, according to the first pattern format Information and the second image format information to generate a composite image format information; execute a image code generation process to generate a composite image according to the composite image format information. According to the information processing method of the composite pattern according to claim 1, when the above steps are executed to "execute a pattern format consolidation process, a composite is generated according to the first pattern format information and the second pattern format information "Information code format information", the method further includes the following sub-steps: according to the majority reserved interval of the first image format information, insert the majority of second acquisition information of the second image format information into the In the reserved intervals of the first image format information, a composite image format information is generated. According to the information processing method of the composite pattern according to claim 1, when the above steps are executed to "execute a pattern format consolidation process, a composite is generated according to the first pattern format information and the second pattern format information "Information code format information", the method further includes the following sub-steps: according to a reserved expansion area of the second image format information, the first majority of the first image information in the first image format information is in order Incorporate into the reserved expansion area; generate another composite pattern format information. According to the information processing method of the composite graphics according to any one of the request items 1 to 3, when the above steps execute "execution of a graphics generation process, a composite graphics is generated based on the information of the composite graphics format" After the step, the method further includes the steps of: retrieving the composite code from a mobile device, and judging whether there is a standard identification code according to the composite code; if so, the mobile device initiates a corresponding transaction program. According to the information processing method of the composite graphics as described in claim 4, when the foregoing steps are executed to the step of "if so, the mobile device starts a corresponding transaction procedure", the method further includes the following sub-steps: The mobile device determines whether it is a standard identification code of the first image code according to the standard identification code; if it is, the mobile device executes a first image code analysis procedure to start a corresponding first transaction process. According to the information processing method of the composite graphics as described in claim 4, when the foregoing steps are executed to the step of "if so, the mobile device starts a corresponding transaction procedure", the method further includes the following sub-steps: The mobile device determines whether it is a standard identification code of the first image code according to the standard identification code; if not, the mobile device executes a second image code analysis procedure. According to the information processing method of the composite graphics as described in claim 4, when the foregoing steps are executed to the step of "if so, the mobile device starts a corresponding transaction procedure", the method further includes the following sub-steps: The mobile device judges whether it is a standard identification code of a first image code according to the standard identification code; if it is, the mobile device executes a first image code analysis procedure to start a corresponding first transaction program; if not, Then the mobile device executes a second image code analysis procedure. According to the information processing method of the composite picture code of claim 7, the first transaction procedure refers to a credit card picture code payment procedure, and the second transaction procedure refers to a financial card picture code payment procedure. A composite payment mobile payment system, including: an application server connected to the network; a financial unit connected to the application server through the network; a mobile device with a payment tool program installed, and Connected to the network; wherein, the mobile device retrieves a composite code at the near end, and connects to the application server according to the composite code, and the application server exchanges authorization information with a financial unit , The application server exchanges a payment certificate with the financial unit based on the obtained authorization information to complete the payment service. A mobile payment system with a composite picture code as described in claim 9, the composite picture code is provided on a vehicle of a shop or an electronic device of a shop, and the composite picture code is integrated with different pictures The format can support different types of virtual cards at one time; the mobile device installs and executes a payment tool program; the financial unit further includes an intermediary agency server, a card issuer server and an acquiring server, the intermediary agency The server, the card issuer server, and the acquiring server can be connected to the network and exchange data through the network; wherein, the payment tool program enables the mobile device to communicate with the result of parsing the composite code The application server establishes a link, and the application server sends an authorization request to the intermediary institution server, and then the intermediary institution server further sends the aforementioned authorization request to the card issuer server to exchange the authorization information , The intermediary server sends the authorization information to the application server; when the application server obtains the authorization information, it sends a payment request to the intermediary server, and then the intermediary server sends the payment request to the application server The acquiring server sends the payment request in exchange for the aforementioned payment voucher, and finally the application server and the financial unit send a notification of successful payment.

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