TW202042135A - Credit card one-dimensional bar code scanning payment system provides consumer transaction under condition of increasing no any facility cost - Google Patents

Abstract

The invention provides a credit card one-dimensional bar code scanning payment system that enters a credit card application program on a user's mobile device, and selects a credit card from a plurality of credit card items to display a corresponding credit card one-dimensional bar code. The credit card one-dimensional bar code includes a specific code taken as a safety transaction code of protecting personal data. A counter terminal device uses a one-dimensional code scanner to scan at least one object bar code information and the credit card one-dimensional bar code and generates transaction information. A management platform forwards the transaction information and sends an authorization request to a card issuing server of a corresponding credit card issuing bank to check whether the specific code are matched with the transaction information so as to perform payment deductions. The invention discloses a function of using a credit card to display a one-dimensional bar code on a user's mobile device and existing code scanning equipment for carrying out online payments.

Description

Credit card one-dimensional scan code payment system

The invention relates to a credit card one-dimensional code scanning payment system, which refers to a credit card one-dimensional code scanning payment system that displays a credit card one-dimensional bar code in a user's mobile device for scanning code payment transactions.

According to the prosperous development of e-commerce, the current consumer transaction mode is gradually shifting from cash payment to electronic payment. Electronic payment includes credit card, electronic ticket (such as leisure card, all-in-one card or icash, etc.), mobile payment, mobile payment Simply put, it is the payment behavior done through a smart phone. In recent years, due to the improvement of the performance of smart phones, mobile payments using smart phones have become more and more popular, replacing previous payments made with cash or plastic currency (such as credit cards, stored value cards, or financial cards). In this way, more and more stores are joining mobile payment, reducing the tedious process of payment and giving customers more consumer payment options. According to previous studies, on average, 20-40% of every ten customers use mobile payment to pay. There are mainly two common mobile payment modes, NFC (Near Field Communication) sensing and QR code scanning. NFC sensing is simply a payment method that uses a smartphone to "beep" a POS machine or a sensor. For example, Apple Pay; and QR code scanning is a payment mode that scans the QR code to complete the transaction, such as LINE Pay, Jiekou or Oupay. Although the existing payment methods are diverse and convenient, they also make both consumers and sellers more concerned about transaction security.

Continuing the current current consumer payment methods, the most common method of payment in stores is the credit card payment method, which is quite convenient because it does not need to store the amount in advance. Then it is mobile payment, and then the cash payment method. It can be seen that more and more people reduce cash for transactions and use alternative payment vehicles. Among them, for mobile phone credit card payment methods, mobile phone credit card means as it is literally, combining mobile phone and credit card, embedding the security element in the micro SD card or SIM card, in addition to the original storage and dialing functions, more With the credit card function, you only need to take the mobile phone out to the credit card machine to sense it during checkout. Therefore, if you want your mobile phone to have the credit card function, you must have a mobile phone that supports NFC function, and the mobile credit card is essentially a credit card , If you want to get a card, you must also apply to the bank, and the bank will review the applicant’s credit record before verifying the card. Of course, in order to improve the convenience of payment for users, QR code scanning payment methods can be used. However, credit cards only support EMV-specific two-dimensional QR code scanning payment methods. Use the QR code scanning function to scan the QR Code payment barcode during checkout. Credit card payment stored in QR code. However, at present, physical stores (including vending machines and ticket machines) combined with logistics information scanning equipment only support one-dimensional scanning operations. To use credit card payment transactions, the store must have a sensor device that supports NFC or QR code. The existing one-dimensional code scanning equipment for payment transactions has virtually added additional equipment costs to the store. Therefore, how to avoid the hardware purchase cost of installing a card reader and save the cost of upgrading the software version that cooperates with the action payment, and the existing normal one-dimensional scanning device for credit card transactions is an urgent problem to be solved.

In view of this, the present invention proposes a one-dimensional credit card scanning payment system to effectively overcome the above-mentioned problems in order to solve the above-mentioned shortcomings of the prior art.

The main purpose of the present invention is to provide a credit card one-dimensional scan code payment system, which can respond to the existing business counters combined with logistics information one-dimensional scan code equipment to display the credit card one-dimensional barcode on the user’s mobile device for the business to use the existing entity The one-dimensional code scanner performs code scanning transactions, which can provide mobile payment consumer transactions without increasing the cost of any equipment, and can actually popularize mobile payment channels to achieve transaction convenience.

The secondary objective of the present invention is to provide a credit card one-dimensional scan code payment system, which displays the credit card one-dimensional bar code on the user's mobile device is time-sensitive and changes with each transaction to ensure transaction security.

To achieve the above objectives, the present invention provides a credit card one-dimensional code scanning payment system, which includes a user mobile device, a counter terminal device, a management platform, and at least one card issuing server. The user’s mobile device has at least one credit card application installed, enters the credit card application and selects one from a plurality of credit card items to display the corresponding one-dimensional credit card barcode. The one-dimensional credit card barcode contains an exclusive code; The counter terminal device includes a code scanner to scan at least one object barcode information and one-dimensional credit card barcode, and generate a transaction information; the management platform signals the counter terminal device to receive transaction information, and obtain the upcoming transaction information based on the transaction information Transaction bank information, and transfer transaction information and send an authorization request; and the card issuing server signals to connect to the management platform, receive transaction information and authorization request, and check that the exclusive code and transaction information are compliant for deduction, and then send An authorization code and a transaction success information are sent to the management platform, while the transaction success information is sent to the user's mobile device, and the management platform sends the transaction success information to the counter terminal device.

Among them, the credit card one-dimensional scan code payment system further includes a transaction agent bank server or a platform where the agent bank participates (hereinafter referred to as the transaction agent bank server). The transaction agent bank server signals the counter terminal device and management platform, and the transaction agent The bank server receives the transaction information, obtains the bank information of the upcoming transaction based on the transaction information, and sends the transaction information to the corresponding card issuing server through the management platform, and sends the authorization request.

Among them, the user’s mobile device further includes a processor. After confirming the cardholder’s login information and selecting the credit card item in the credit card application, the processor drives the corresponding credit card item to display the corresponding one-dimensional bar code of the credit card, and the credit card The dimensional barcode is a dynamic credit card one-dimensional barcode, which varies with different transactions, and if the transaction is not completed within a preset time, the dynamic credit card one-dimensional barcode is automatically canceled, or the card issuing server can be used during the scheduled acceptance period Rejecting the transaction information linked to the one-dimensional barcode of the credit card can ensure the security of the transaction.

Among them, the counter terminal device is a financial institution that cooperates with a credit card application, which can receive the deducted amount in the transaction information, which can save the tedious work of cash transactions.

Among them, the code scanner is a physical one-dimensional code scanner, which can scan one-dimensional bar codes of credit cards and the bar code information of objects with one-dimensional bar codes, and use existing and normal operation one-dimensional bar code equipment for transaction payment, not only The convenience of consumer transactions can also reduce the cost of additional equipment for the industry.

Among them, the exclusive code contained in the credit card one-dimensional bar code is the coded data including the credit card number, expiration date and production bar code time and identification data. This can be used as a management platform and card issuing server to quickly verify user data during verification and management. And subsequent clearing and reconciliation of corresponding user accounts.

For the existing mobile payment users, in order to achieve the purpose of fast checkout, most stores will purchase transactional equipment or software design and upgrades in response to various electronic payments or mobile payments. This will cause many limitations and high Cost expenditure, the present invention is eager to improve and innovate, and after years of painstaking and painstaking research, developed a credit card one-dimensional scan code payment system, which can scan the code through the existing one-dimensional scan code equipment to quickly check out, and can Reducing the cost of installations is a new opportunity for the digital transformation of the overall financial industry.

Please refer to Figure 1, which is a block diagram of the one-dimensional credit card payment system of the present invention. The credit card one-dimensional scan code payment system includes a user mobile device 10, a counter terminal device 12, a management platform 14 and at least one card issuing server 16. The user's mobile device 10 can be a smart phone or a tablet computer or other mobile electronic devices with network communication capabilities, etc., and is not limited to using Android or iOS systems, and is applicable to the scope of protection of the patent of the present invention. The user mobile device 10 is installed with at least one credit card application 18, which is a mobile payment software (Application, APP). When a consumer wants to make a payment, he only needs to tap into the credit card application 18 through the user's mobile device 10, and all the credit card items that have been applied for will be displayed, and one of the multiple credit card items 182 can be selected from the credit card application 18. To display the corresponding one-dimensional barcode 184 of a credit card, you can refer to Figure 2 at the same time, which is a schematic diagram of the operation of the present invention. The counter terminal device 12 includes a barcode scanner 20 for scanning at least one object barcode information 21 and credit card One-dimensional bar code 184, and generate a transaction information. The barcode scanner 20 is a physical one-dimensional barcode scanner for scanning credit card one-dimensional barcodes and object barcode information 21 with one-dimensional barcodes. The object barcode information 21 means that a set of one-dimensional barcode information is printed on each commodity. One-dimensional barcodes contain information such as product name, expiration date and sales amount; or one-dimensional barcodes printed on coupons, payment slips, etc., all contain corresponding object barcode information21. By using the existing and normal operation of one-dimensional bar code equipment for transaction payments, it not only provides consumers with transaction convenience, but also reduces the cost of additional equipment purchased by the industry. Since One Dimensional Barcode (1D) is composed of a set of bars and empty symbols arranged according to certain coding rules, it is used to express certain characters, numbers and symbols. It usually expresses information in one dimension only. , And the information represented on the same barcode is exactly the same and continuous, so that even if the label has partial defects, you can still input correct information from the normal part. The structure of the symbol recognition device is simple, the operation is easy, no special training is required, and the barcode label is easy to make , There are no special requirements for printing technology equipment and materials, and the equipment is relatively cheap. It has many advantages such as reliable and accurate, real-time data input and large degree of freedom. It is by far the most economical and practical automatic identification technology; therefore, the existing One-dimensional code scanning equipment is still the mainstream of stores in combination with logistics information.

Among them, the credit card one-dimensional bar code 184 contains an exclusive code. This exclusive code is the coded data including the credit card number, expiration date, and barcode production time and identification data. It is mainly used as the management platform 14 and the card issuing server 16 to check and manage It can quickly check user data and the subsequent clearing and correction of the corresponding user account. The user mobile device 10 further includes a processor 22. When the credit card item 182 is selected in the credit card application 18, the processor 22 drives the corresponding credit card item 182 to display the corresponding credit card one-dimensional barcode, and the credit card one-dimensional barcode 184 is It is a dynamic credit card one-dimensional bar code, which varies with different transactions. The credit card application 18 is set to automatically cancel the display of the dynamic credit card one-dimensional bar code if the transaction is not completed within a preset time, or the card issuing server 16 can The transaction information linked to the one-dimensional bar code 184 of the credit card rejected outside the acceptance period can ensure the security of the transaction. Among them, the dynamic credit card one-dimensional barcode simply means that every time a consumer clicks on the credit card item 182, the displayed dynamic credit card one-dimensional barcode is only valid for that consumer transaction and the payment is valid for the next time the card is issued. 16 will send another set of new dynamic credit card one-dimensional bar codes to make it time-sensitive and independent, so there is no need to worry about the displayed credit card one-dimensional bar codes being copied and stolen by others, just make sure that the user’s mobile device 10 is kept during the transaction payment You can easily complete the transaction when you turn it on.

Among them, the counter terminal device 12 is a signal link of a financial institution cooperating with the credit card application 18, so it can receive the deducted amount in the transaction information, which can save the tedious work of cash transactions. When the counter terminal device 12 transmits transaction information to the management platform 14, it also includes the transmitted exclusive code. The transaction information includes the credit card one-dimensional barcode 184 and its exclusive code, transaction amount, transaction time, and transaction serial number, etc., and is encrypted It is sent to the management platform 14 after processing. The management platform 14 is signally connected to the counter terminal device 12, and obtains the bank information of the upcoming transaction based on the transaction information, that is, obtains the corresponding bank information from the exclusive code, transmits the transaction information, and sends an authorization request. The card issuing server 16 is connected to the management platform 14 by a signal. The card issuing server 16 is generally a financial institution, mainly an institution that will issue a credit card after the user fills in personal information. The card issuing server 16 receives the transaction information and authorization request, and checks that the exclusive code and transaction information are compliant for deduction, and then sends an authorization code and a transaction success message to the management platform 14, and at the same time sends the transaction success message to the user The mobile device 10 and the management platform 14 send transaction success information to the counter terminal device 12. Among them, when the card issuing server 16 checks the exclusive code and the transaction information to be inconsistent, for example, when the credit limit of the user's credit card item is insufficient to pay the transaction amount, the transaction procedure is not met. At this time, the card issuing server 16 will At the same time, a transaction failure message is sent to the user's mobile device 10 and the management platform 14, and the management platform 14 transmits the transaction failure message back to the counter terminal device 12.

As shown in Figure 3, it is another block diagram of the credit card one-dimensional scanning payment system of the present invention. This embodiment is similar to the above content, so I won’t repeat it, and only explain the differences. The credit card one-dimensional scan code payment system further includes a transaction agent bank server 24, signal connection to the counter terminal device 12 and management platform 14, transaction agent The bank server 24 receives transaction information from the counter terminal device 12, obtains the bank information of the upcoming transaction based on the transaction information, and forwards the transaction information to the corresponding card issuing server 16 through the management platform 14 and sends an authorization request. The transaction agent bank server 24 is responsible for the integration between the establishment of the acquiring system and the card issuing server 16, and the exchange of transaction records. It is intended to be used between a large number of different acquirers (mainly providing credit card machines for merchants) and the card issuing server 16 It serves as a platform to improve settlement efficiency. When the card issuing server 16 returns the authorization code and transaction success information to the management platform 14, the transaction success information includes the real card number and electronic invoice used by the user. Finally, the management platform 14 transmits transaction success information to the counter terminal device 12, where the transaction success information does not include the real card number used by the user, so as to avoid the risk of missing transaction security. The management platform 14 can organize all authorization success and transaction success information into a request file, and provide it to the cardholder, the card issuing server 16 and the store for payment settlement, and then send the transaction to the transaction agent bank server 24 for crediting.

In summary, the present invention can adapt to the existing one-dimensional code scanning equipment of logistics information at the counter of the business, and display the one-dimensional bar code of the credit card on the user’s mobile device so that the business can use the existing physical one-dimensional code scanner to scan the code. Without increasing the cost of any equipment, it can provide mobile payment consumer transactions, which can actually popularize mobile payment channels and achieve transaction convenience. Furthermore, users only need to use smart mobile devices to directly download and execute credit card applications, and they can complete the entire mobile payment payment process with simple operations. For consumers who are not familiar with electronic operations, it provides a very convenient payment. It does not need to carry a credit card for payment by swiping, which not only speeds up the checkout, but also avoids the risk of the credit card being stolen or lost.

Only the above are merely preferred embodiments of the present invention, and are not used to limit the scope of the present invention. Therefore, all equivalent changes or modifications made in accordance with the characteristics and spirit of the application scope of the present invention shall be included in the patent application scope of the present invention.

10: User mobile device 12: Near the counter terminal device 14: Management platform 16: Card issuing server 18: Credit card application 182: Credit Card Project 184: Credit card one-dimensional barcode 20: Scanner 22: processor 24: Transaction agent bank server

Figure 1 is a block diagram of the credit card one-dimensional scan code payment system of the present invention. Figure 2 is a schematic diagram of the operation of the present invention. Figure 3 is another block diagram of the credit card one-dimensional scan code payment system of the present invention.

10: User mobile device

12: Near the counter terminal device

14: Management platform

16: Card issuing server

18: Credit card application

182: Credit Card Project

20: Scanner

21: Object barcode information

22: processor

Claims (10)

A credit card one-dimensional scan code payment system, including: A user’s mobile device is installed with at least one credit card application. Enter the credit card application and select one of the multiple credit card items to display the corresponding one-dimensional credit card barcode. The one-dimensional credit card barcode contains a Exclusive code A counter terminal device includes a code scanner for scanning at least one object bar code information and the one-dimensional bar code of the credit card, and generating a transaction information; A management platform, which signals the counter terminal device, receives the transaction information, obtains the bank information of the upcoming transaction based on the transaction information, transmits the transaction information and sends an authorization request; and At least one card issuing server is connected to the management platform by signal, receives the transaction information and the authorization request, and checks that the exclusive code and the transaction information are consistent for deduction, and then sends an authorization code and a transaction success message to The management platform simultaneously transmits the transaction success information to the user's mobile device, and the management platform transmits the transaction success information to the counter terminal device. The one-dimensional credit card scanning payment system described in claim 1, further comprising a transaction agent bank server, which signals the counter terminal device and the management platform, and the transaction agent bank server receives the transaction information and based The transaction information obtains the bank information of the upcoming transaction, and sends the transaction information to the corresponding card issuing server through the management platform, and sends the authorization request. The credit card one-dimensional scan code payment system according to claim 1, wherein the user's mobile device further includes a processor, and when the credit card item is selected in the credit card application, the processor drives the corresponding credit card item display Output the corresponding one-dimensional barcode of the credit card. The credit card one-dimensional scan code payment system according to claim 1, wherein the counter terminal device is a signal link with a financial institution cooperating with the credit card application to receive the debit amount in the transaction information. According to the one-dimensional credit card scanning payment system described in claim 1, wherein the one-dimensional credit card barcode is a dynamic one-dimensional credit card barcode. For example, in the one-dimensional credit card scanning payment system of claim 5, the credit card application is set to automatically cancel the display of the dynamic credit card one-dimensional barcode if the transaction is not completed within a preset time. The credit card one-dimensional code scanning payment system according to claim 1, wherein the code scanning machine is a physical one-dimensional code scanning machine for scanning the credit card one-dimensional barcode and the barcode information of the object with the one-dimensional barcode. According to the one-dimensional credit card scanning payment system of claim 1, wherein the exclusive code is the coded data including the credit card number, expiration date, and barcode production time and identification data. The one-dimensional credit card scanning payment system according to claim 1, wherein the user's mobile device is a smart phone or a tablet computer. The one-dimensional credit card scanning payment system according to claim 1, wherein the credit card application is a mobile payment software.

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