TW202143135A - Positioning mobile payment method and system - Google Patents

Abstract

A positioning mobile payment method, comprising: sending a identification data to a server assembly through a cash register host by a data receiving assembly, sending a transaction information to the server assembly by the cash register host, performing a identification program on a mobile device in the communication range of a plurality of wireless transceivers and paring the mobile device by the server assembly after the server assembly receives the identification data and the transaction information, performing a platform self-selection by the server assembly after the server assembly performs the identification program and pairs the mobile device, and sending a checkout list to the paired mobile device according to the transaction information and the result of the platform self-selection by the server assembly.

Description

Positioning mobile payment method and system

The present invention relates to a mobile payment method and system, and more particularly to a positioning mobile payment method and system that performs payment according to a positioning situation.

The emergence of mobile payment has changed people's payment habits to a certain extent. In the past, when paying for mass consumption, the payment medium usually used was not physical currency such as banknotes and coins, electronic tickets such as all-in-one cards or leisure cards, or the use of card currencies such as financial cards or credit cards. And now if you choose the mobile payment method to make payments, all payments can be done on your mobile device. You don’t need to hold too much change on your body, or pick up your wallet and pick a card from it, even because it’s automatically remembered. Download consumption records and have the function of accounting. Mobile payment is usually done by a mobile device approaching the merchant’s data reading device, and the data transmission method between the mobile device and the data reading device can be Near Field Communication (NFC) or QR code (Quick Response Code) scanning. Wait for it to happen.

However, because there are too many platforms for mobile payment, virtual electronic ticket, third-party payment, electronic payment, etc., if the user has multiple platforms at the same time, the special program of the platform must be opened and operated after the payment platform is selected during the transaction to continue. trade. Some of the payment information transmission methods, such as NFC, require the mobile device to be closer to the store’s data reading equipment. If the user has other items on his body at the same time, it will make the transaction process inconvenient. What's more, if there are too many consumers who want to check out at the same time, they often have to wait in line to check out and cannot use their time well. The entire operation process from the selection of the platform to the end of the transaction is too complicated, so a mobile payment method that can make the transaction process more automated is needed.

In view of the foregoing, the present invention provides a location-based mobile payment method and system that meets the foregoing needs.

The location-based mobile payment method according to an embodiment of the present invention is suitable for a location-based mobile payment system. The location-based mobile payment system includes a cash register host, a data receiving component, a plurality of wireless transceivers, and a server component. The data receiving component is sexually connected, and the server component is electrically connected to the cash register host and the wireless transceivers, wherein the positioning mobile payment method includes: using the data receiving component to send an identification data to the server component through the cash register host ; Use the cash register host to send a transaction information to the server component; use the server component to receive the transaction information and the identification data, and use the server component to perform an action within the communication range of multiple wireless transceivers The device performs an identity recognition process and is paired; and after the server component performs the identity recognition process and is paired, the server component executes a self-selected platform process, and sends a result according to the transaction information and the result of the self-selected platform process The billing list to the paired mobile device.

A positioning mobile payment system according to an embodiment of the present invention includes: a data receiving component for outputting an identification data; a cash register host electrically connected to the data receiving component, the cash register host receiving and outputting the identification data and outputting one Transaction information; multiple wireless transceivers, which are communicatively connected to a mobile device, the wireless transceivers output multiple signal strength information associated with a mobile device; and a server component, which is electrically connected to the cash register host and the wireless transceivers The server component and the wireless transceivers recognize the mobile device. After the server component receives the transaction information and the identification data, it executes an identity recognition process and pairing with the mobile device, and then executes a self-selected platform The process, and finally send a checkout list to the matched mobile device according to the transaction information and the result of the self-selected platform process.

According to the location-based mobile payment method and system of the above-mentioned embodiment, the identification data is first received by the data receiving component during the entire transaction process, but the server component starts the subsequent transaction after receiving the transaction information from the cashier host. The mobile device Perform the identity recognition process, and after successfully matching the mobile device for this transaction, generate a checkout list based on the transaction information and the self-selected platform process. The present invention can automatically select the payment platform according to the transaction situation, and because the identification data is received first in the transaction process, it can be regarded as the identification data instead of queuing consumers. The entire process does not require consumers to perform excessive operations on the mobile device to complete the transaction, making the transaction process more convenient and faster, and achieving the purpose of more automation of the transaction process.

The above description of the disclosure and the following description of the implementation manners are used to demonstrate and explain the spirit and principle of the present invention, and to provide a further explanation of the patent application scope of the present invention.

The detailed features and advantages of the present invention will be described in detail in the following embodiments. The content is sufficient to enable anyone familiar with the relevant art to understand the technical content of the present invention and implement it accordingly, and in accordance with the content disclosed in this specification, the scope of patent application and the drawings Anyone who is familiar with relevant skills can easily understand the purpose and advantages of the present invention. The following examples further illustrate the viewpoints of the present invention in detail, but do not limit the scope of the present invention by any viewpoint.

Please refer to Figure 1. Fig. 1 is a block diagram of a positioning mobile payment system according to an embodiment of the present invention. The positioning mobile payment system 100 of the present invention is used for payment transactions based on the location and data of the mobile device 300. The positioning mobile payment system 100 includes a data receiving component 101, a cash register host 102, a plurality of wireless transceivers 103, and a server component 104. The server component 104 may include a transaction server and a connection server. The data receiving component 101 is electrically connected to the cash register host 102, the wireless transceiver 103 is used to communicate with the mobile device 300, and the server component 104 is electrically connected to the cash register host 102 and the wireless transceiver 103. In one embodiment, the positioning mobile payment system 100 includes three wireless transceivers 103, as shown in FIG. 1.

The data receiving component 101 is used for receiving identification data and sending the identification data to the cashier host 102. When the consumer wants to check out and place the merchandise at the checkout counter, he can input identification data into the data receiving component 101. The identification data is used to identify the data of the mobile device 300 to confirm which mobile device is the object of this transaction-related information transmission. The identification data can be the information of the mobile device 300 itself, such as mobile phone number, IMEI code (International Mobile Equipment Identity number), etc., or can be the biological characteristics of the consumer holding the mobile device 300, such as real-time photographs of the consumer Portraits, consumer fingerprints, consumer voiceprints, etc., the present invention is not limited thereto. The data receiving component 101 must be a receiving component that matches the identification data type. For example, if the identification data can be obtained by simply inputting a character string, the data receiving component 101 must have a character string input component, and may also have a display component to display The character string entered by the consumer and for the consumer to confirm; if the identification data is biometric data, such as a consumer's portrait, the data receiving component 101 needs to have a camera to obtain the consumer's portrait at the counter; if the identification data is If it is a consumer fingerprint, the data receiving component 101 needs to have a fingerprint scanner; if the identification data is a consumer's voiceprint, the data receiving component 101 needs to have a radio device. The above-mentioned embodiments are not intended to limit the present invention, and the data receiving component 101 may also have the above-mentioned components at the same time for consumers to choose the type of identification data to be provided.

The cash register host 102 is used to receive the identification data and send the identification data and transaction information to the server component 104. The cash register host 102 can be a front-end hardware device of a Point of Sale/Service (POS). In an embodiment of the present invention, it has a barcode scanner for inputting the barcode of the product for the background to read the various items of the product according to the barcode. The information is recorded in this transaction. Transaction information is generated in accordance with information such as items, unit prices, and total amounts purchased by consumers during real-time transactions. The cash register host 102 has a storage unit for storing the identification data received from the data receiving component 101. The cash register host 102 transmits the transaction information and the identification data to the server component 104 after the transaction information is generated.

The wireless transceiver 103 is used to transmit multiple signal strength information associated with the mobile device 300 to the server component 104. The wireless transceiver 103 may be a wireless base station of a merchant in an embodiment of the present invention. When the mobile device 300 enters the communication range of the wireless transceivers 103 and connects to the merchant network, the wireless transceivers 103 will obtain multiple signal strength information associated with the mobile device 300 and send them to the server in real time or at regular intervals.器Component 104. Since each wireless transceiver is installed at different locations, and the received signal strength will vary depending on the distance, the signal strength information received by different wireless transceivers 103 for the same mobile device will not be the same. . As long as the mobile device 300 remains within the communication range of the wireless transceivers 13, the wireless transceivers 103 will continue to obtain a plurality of signal strength information and continue to transmit to the server component 104.

The server component 104 is used for receiving transaction information and identification data, receiving a plurality of signal strength information, and identifying the mobile device 300 based on the signal strength information. When the server component 104 receives the transaction information and the identification data, it The mobile device 300 executes an identity recognition procedure to obtain a paired mobile device, then executes a self-selected platform procedure, and finally sends a checkout list to the paired mobile device. The positioning mobile payment system 100 preferably includes three wireless transceivers, and the greater the number of wireless transceivers 103, the more accurate the positioning can be. Since each signal strength information has strength information that a specific mobile device is associated with a specific wireless transceiver, the server component 104 can identify the location of the mobile device based on the signal strength information. The identity recognition procedure, the self-selected platform procedure and the checkout list will be described in detail in the description of the subsequent steps.

The preset area 200 may be a small area in front of the checkout counter, depending on the needs of the merchant. The purpose of the preset area 200 is to reduce the scanning range of the server component 104 so as to reduce the computational burden of the server component 104. The size of the preset area 200 is not particularly limited. The scope is determined by connecting to the merchant network with an electronic device with wireless communication function in advance, and staying around the area that needs to be set as the preset area 200 by the electronic device. And record the signal strength information at this time, and the signal strength information of each position in the preset area 200 can be identified by the three-point positioning method. With this preset area 200, when the server component 104 receives the identification data through the cash register host 102, the server component 104 uses the signal strength information transmitted from the wireless transceiver 103 to determine the current location by the three-point positioning method. The mobile device 300 in the preset area 200 is preset, and the mobile device 300 is paired with the identification data. After the server component 104 receives the transaction information, it can be ascertained that the mobile device 300 can perform the identity recognition process through the aforementioned pairing relationship. However, in another embodiment of the present invention, the default area 200 may not be included. At this time, after the server component 104 receives the transaction information and the identification data, it broadcasts the identity to the mobile device 300 within the communication range. Identification procedure.

In an embodiment of the present invention, the mobile device 300 is usually a portable electronic device with a wireless networking function such as a mobile phone and a tablet on the consumer, which is used to communicate with the wireless transceiver 103 so as to communicate with the positioning mobile payment system 100 interactive. For a detailed description of the internal components of the mobile device 300, please refer to FIG. 2 further. The mobile device 300 includes a processing unit 301, a storage unit 302, a wireless communication component 303, and a display component 304. The processing unit 301 is electrically connected to the storage unit 302, the wireless communication component 303, and the display component 304, respectively. The wireless communication component 303 is used for receiving and The wireless signal from the wireless transceiver 103 is transmitted, the storage unit 302 is used to store a user data and a priority sequence, and the display component 304 is used to display a checkout list. The user data is the same type of data as the identification data received by the information receiving component 101. The priority sequence will be explained in detail in the steps below.

Please refer to Figure 3. Fig. 3 illustrates a flow chart of a method according to an embodiment of the present invention. Please refer to step S1, the data receiving component 101 receives the identification data and transmits the identification data to the server component 104 through the cashier host 102. When the consumer chooses to purchase the goods this time and wants to checkout, the consumer places the goods on the checkout counter and inputs identification data to the data receiving component 101. The identification data is sent to the server component 104 through the cashier host 102 and Temporarily stored here. If multiple consumers are checking out, in practice, in order to avoid confusion, the data receiving component 101 can receive the identification data before placing the piles of commodities on the checkout counter in sequence. The identification data input by the consumers through the data receiving component 101 are sequentially sent to the server component 104.

If there is a preset area 200 in an embodiment of the present invention, please refer to step S101 next. When the server component 104 receives the identification data, the server component 104 uses the signal strength information transmitted from the wireless transceiver 103 to determine the current mobile device 300 in the preset area 200 using the three-point positioning method, and then act The device 300 is paired with the identification data, and then proceeds to step S2. However, in an embodiment of the present invention, if there is no preset area 200, there is no need to perform step S101, and proceed directly to step S2.

Please refer to step S2, the cash register host 102 sends transaction information to the server component 104. After the cashier host 102 scans the product barcode with a barcode scanner and aggregates the pile of products into a transaction information and sends it to the server component 104, the server component 104 will sequentially match the transaction information and the identification data to confirm the transaction information. The pile of goods is purchased by consumers who provide this identification data. At this point, the cash register host 102 can continue to scan the barcode of the next pile of commodities without waiting for the previous transaction to complete the subsequent payment behavior.

Please refer to step S3, the server component 104 performs an identity recognition process on the mobile device 300. After the server component 104 receives the above-mentioned transaction information and identification data, it performs an identity identification process on the mobile device 300 connected to the merchant network. Under the permission of the computing power, the server component 104 can simultaneously execute multiple identification procedures related to different transactions on different mobile devices in a broadcast manner. If the preset area 200 is included in an embodiment of the present invention, the identity recognition process is performed on the mobile device 300 recognized by the server component 104 in step S101. Please refer to Figure 4 for the flow of this identification process.

Please refer to step S31 in FIG. 4, the server component 104 sends an access command to the mobile device 300. In an embodiment of the present invention, if the preset area 200 is not included, the server component 104 transmits the access command to the mobile device 300 in the communication range of the wireless transceiver 103 in a broadcast manner. If there are multiple mobile devices in the communication range, the server component 104 sends the access command to these mobile devices. However, if the preset area 200 is included in an embodiment of the present invention, the access command is sent to the mobile device 300 paired with the identification data in step S101. Specifically, the access command is received by the wireless communication component 303 of the mobile device 300 and then sent to the processing unit 301. The access command is related to the type of identification data received by the data receiving component 101, and aims to request data of the same type as the identification data and return the data to the server component 104.

Please refer to step S32, the mobile device 300 transmits the user data in the storage unit 302 to the server component 104. After the processing unit 301 receives the access command, it reads the user data of the same type as the identification data from the storage unit 302, and transmits the user data to the server component 104 through the wireless communication component 303.

Please refer to step S33. The server component 104 compares the matching degree according to the identification data and the user data, and finds the user data with the highest matching degree higher than a threshold. After the server component 104 receives the user data, it performs a matching comparison between the user data and the identification data associated with the transaction information. Note that this matching degree comparison is usually when the identification data and the user data are both biometric data. If the identification data and the user data are both simple strings, then Directly compare whether the two strings are exactly the same.

Please refer to step S34 to pair the mobile device 300 containing the user data. After the server component 104 compares and compares the user data with the degree of conformity higher than the threshold and the degree of conformity is the highest, it uses the mobile device 300 containing the user data as the transaction object. Specifically, this transmission is The object of the checkout list.

Please return to FIG. 3 and refer to step S4, the server component 104 generates a checkout list according to the transaction information and the self-selected platform procedure. The checkout list is used to enable consumers to confirm the items and payments consumed this time, the payment platform used for this payment, etc. The checkout list has various information about the transaction, including the product purchase item, unit price, total amount, and other information provided by the transaction information, as well as the payment platform selected by the self-selected platform program for this transaction. Please refer to Figure 5 for a detailed description of the self-selected platform program.

Please refer to step S41 in FIG. 5, the server component 104 sends an access command to the paired mobile device 300. This access command is different from the access command in the identity recognition program. In this self-selected platform program, the access command is used to request a priority sequence and send the priority sequence back to the server component 104. The priority sequence stores multiple transaction platform information associated with multiple payment platforms. These transaction platforms are all used by consumers and have corresponding platform applications stored in the storage unit 302 of the mobile device 300. The trading platform information can be sorted by default or according to consumer preferences. After the server component 104 is paired with the mobile device 300 through the identity recognition process, it sends the access command to the paired mobile device 300.

Please refer to step S42, the paired mobile device 300 transmits a priority sequence of the storage unit 302 to the server component 104. After the paired mobile device 300 receives the access command, the processing unit 301 reads the priority sequence from the storage unit 302 and transmits the priority sequence to the server component 104.

Please refer to step S43, the server component 104 compares whether the payment platform information is included in the merchant platform list one by one according to the order of the payment platform information in the priority sequence. The server component 104 additionally has a merchant platform list, and the merchant platform list stores multiple payment platform information of multiple payment platforms used by the merchant. When the server component 104 receives the priority sequence sent from the paired mobile device 300, it reads the priority sequence and compares the payment platform information with the merchant platform list starting from the payment platform information with the highest priority. If the payment platform information in the current priority sequence is not included in the merchant platform list, which means that the payment platform information is not in the merchant platform list, then the payment platform information with the second highest priority will be used for comparison; if the current The payment platform in the compared priority sequence is included in the merchant platform list, the comparison is completed, and step S44 is performed.

Please refer to step S44 to use the same payment platform included in the merchant platform list and ranked first in the priority sequence as the payment platform used for this transaction. Following step S43, if the payment platform in the priority sequence of the current comparison is included in the merchant platform list, the comparison is completed, and the payment platform of this payment platform information is used for the payment of this transaction.

Please return to FIG. 3, please refer to step S5 to send the checkout list to the paired mobile device 300. The server component 104 selects the payment platform used in this transaction after the above-mentioned self-selecting platform procedure, and uses the payment platform and transaction information to generate a checkout list, and transmits the checkout list to the paired mobile device 300. For a schematic diagram of the checkout list displayed on the display component 304 of the paired mobile device 300, please refer to FIG. 6. After the transaction is confirmed in the checkout list, the paired mobile device 300 will perform the conventional payment platform payment procedure to complete the transaction, and this manual will not repeat it here.

The steps associated with the mobile device 300 in one embodiment of the present invention can also be implemented through a merchant-specific application additionally installed in the storage unit 302 in another embodiment. The purpose of installing the application program is to send a notification to the mobile device 300 that the position of the mobile device 300 is in or out of the preset area 200; to integrate the data required by each procedure in an embodiment of the present invention, for example, to store each item in the application in advance. Types of user data and priority sequence; and easy to obtain the access authority of the positioning mobile payment system 100 to each component of the mobile device 300, etc. The other steps of this other embodiment are the same as those of the first embodiment of the present invention, so this description will not repeat them here.

In summary, the positioning mobile payment method and system described above first receive the identification data through the data receiving component during the entire transaction process. However, the server component starts the subsequent transaction after receiving the transaction information from the cashier host. The device performs an identity recognition process, and after successfully matching the mobile device for this transaction, a checkout list is generated based on the transaction information and the self-selected platform process. The present invention can automatically select the payment platform according to the transaction situation, and because the identification data is received first in the transaction process, it can be regarded as the identification data instead of queuing consumers. The entire process does not require consumers to perform excessive operations on the mobile device to complete the transaction, making the transaction process more convenient and faster, and achieving the purpose of more automation of the transaction process.

Although the present invention is disclosed as above in the foregoing embodiments, it is not intended to limit the present invention. All changes and modifications made without departing from the spirit and scope of the present invention fall within the scope of the patent protection of the present invention. For the scope of protection defined by the present invention, please refer to the attached patent scope.

1: Positioning payment transaction system 101: data receiving component 102: cash register host 103: wireless transceiver 104: Server component 200: preset area 300: mobile device 301: Processing Unit 302: storage unit 303: wireless communication components 304: display component

Fig. 1 is a block diagram of a positioning mobile payment system according to an embodiment of the present invention. FIG. 2 is a system block diagram of a mobile device according to an embodiment of the invention. Fig. 3 is a flowchart of a positioning action payment method according to an embodiment of the present invention. Fig. 4 is a flowchart of an identity recognition procedure according to an embodiment of the present invention. Fig. 5 is a flowchart of a self-selected platform program according to an embodiment of the present invention. FIG. 6 is a schematic diagram of a checkout list of a positioning mobile payment method displayed on a mobile device according to an embodiment of the present invention.

100: Positioning mobile payment system

101: data receiving component

102: cash register host

103: wireless transceiver

104: Server component

200: preset area

300: mobile device

Claims (10)

A positioning mobile payment method is suitable for a positioning mobile payment system. The positioning mobile payment system includes a cash register host, a data receiving component, a plurality of wireless transceivers, and a server component. The cash register host is electrically connected to the data receiving component , The server component is electrically connected to the cashier host and the wireless transceivers, wherein the positioning mobile payment method includes: using the data receiving component to send an identification data to the server component through the cashier host; and sending from the cashier host A transaction information to the server component; after the server component receives the transaction information and the identification data, the server component executes an identity recognition process on a mobile device located within the communication range of multiple wireless transceivers And pairing; and after performing the identity recognition process with the server component and pairing, use the server component to execute a self-selected platform process, and send a checkout list to the matched one according to the transaction information and the result of the self-selected platform process Mobile device. The positioning mobile payment method according to claim 1, wherein when the data receiving component transmits the identification data to the server component through the cash register host, the positioning mobile payment method further comprises: using the server component to transmit the identification data to the server component. The transceiver performs three-point positioning to determine the mobile device in a predetermined area. The positioning mobile payment method according to claim 1, wherein the server component performs the identity recognition procedure on the mobile devices located within the communication range of the wireless transceivers in a broadcast manner. The positioning mobile payment method according to claim 1, wherein the identity recognition procedure includes: sending an access command to the mobile device by the server component; sending the access command by the mobile device after receiving the access command by the mobile device A user data stored in the memory of the mobile device is stored in the server component, where the user data and the identification data are the same type of data; the server component performs a process based on the identification data and the user data Compliance comparison; and after the compliance comparison is performed with the server component, the server component is used to match the mobile device that contains user data with compliance higher than a threshold and the highest compliance. The positioning mobile payment method according to claim 1, wherein the self-selected platform procedure includes: sending an access command to the paired mobile device by the server component; after receiving the access command by the paired mobile device, The paired mobile device transmits a priority sequence stored in the memory of the paired mobile device to the server component, wherein the priority sequence has a plurality of payment platform information arranged in sequence; the server component is based on the payments Platform information, sequentially compare whether the payment platform information is included in a merchant platform list stored in the server component, wherein the merchant platform list includes multiple payment platform information; and is included in the merchant platform list and is The same payment platform ranked first in the priority sequence is the payment platform used for this transaction. A positioning mobile payment system includes: a data receiving component for outputting an identification data; a cash register host electrically connected to the data receiving component, the cash register host receiving and outputting the identification data and outputting a transaction information; A transceiver, which is communicatively connected to a mobile device, the wireless transceivers output a plurality of signal strength information associated with a mobile device; and a server component, which is electrically connected to the cash register host and the wireless transceivers, the server component The wireless transceivers recognize the mobile device, and when the server component receives the transaction information and the identification data, it executes an identity recognition process and pairing with the mobile device, then executes a self-selected platform process, and finally follows the transaction The information and the result of the self-selected platform procedure are sent a checkout list to the paired mobile device. The positioning mobile payment system according to claim 6, wherein when the data receiving component transmits the identification data to the server component through the cash register host, the server component further uses the wireless transceivers to perform three-point positioning to determine a The mobile device in the preset area. The positioning mobile payment system according to claim 6, wherein the server component determines the mobile device located within the communication range of the wireless transceivers in a broadcast manner. The positioning mobile payment system according to claim 6, wherein the identity recognition procedure is applicable to the positioning mobile payment system, and the steps of the identity recognition procedure include: transmitting an access command to the mobile device by the server component; After receiving the access command, the mobile device sends a user data stored in the memory of the mobile device to the server component, wherein the user data and the identification data are the same type of data; The server component performs a compliance comparison based on the identification data and the user data; and after performing the compliance comparison with the server component, the server component pairing contains a compliance degree higher than a threshold and is the highest match The degree of user data of the mobile device. The positioning mobile payment system according to claim 6, wherein the self-selected platform program is applicable to the positioning mobile payment system, the mobile device further includes a priority sequence, the priority sequence has a plurality of payment platform information arranged in sequence, and the The server component further includes a merchant platform list, which has multiple payment platform information used by the merchant; wherein after the server component sends an access command to the paired mobile device, the paired mobile device sends the Priority sequence to the server component, the server component then compares whether the payment platform information is included in the merchant platform list according to the priority order of the payment platform information, and finally is included in the merchant platform list and in the priority order The same payment platform ranked first in the sequence is the payment platform used for this transaction.

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