TW505873B - Payment method with mobile communication - Google Patents

Abstract

The invention relates to a payment method with mobile communication, which is primarily applied to consumer, store and transaction management center to achieve transaction risk reduction, cardless applications and so forth by establishing a consumer payment scheme using communication and computer equipment. The scheme is featured by that a customer presents a payment code while entering a store to have transaction, and the transmits related information through telecommunication or computer equipment to the transaction management center. The transaction management center further goes through mobile communication equipment to inquire customer and acquire payment code, and generates an authorization code to the store to complete transaction procedure. The related transaction data is sent to the transaction management center to be stored in the database of billing center, thereby allowing relevant billing information to be managed and periodically sent to consumer.

Description

505873

V. Description of the invention (2) c. Credit card machine and Yinke X

D Ε FG card machine number, the center obtains the connection, and the system takes out the system ^ ^ ^ J to find out the merchant code from this number. Enter the shopping consumption amount bank or credit + +, j A $ w I, center Confirm, and send a confirmation message back to Shangxiang Business Card Swipe Card Machine for printing, ^. Ί The form is used by the consumer to receive a card receipt (in duplicate), ^ 'and one each with the merchant and credit card center for inspection and consideration I know that in the transaction mode using credit cards as the medium, due to the credit card and confirmation of the sound card center during the consumption process, it is completely completed through the relevant information of the two commercial banks and their rotating credit card mirrors. ^ Direct consultation and confirmation with consumers. Pang

Therefore, 'In the process of consumption, as far as the consumer ’s position is concerned, since consumers directly deliver credit cards to merchants, unscrupulous merchants often copy the card or card number of the credit card when the consumer does not think Illegal behavior 'If shopping online, because of the open network environment, after entering the credit card number, consumers are often intercepted by a third party during the transmission process, and the credit card number is fraudulent. However, as far as the security of the online shopping transaction is concerned, although the current manufacturers provide quite a few encryption measures, such as the joint development of the Isa and Master Card institutions announced on February 23, 1996, ' "Secure Electronic Transaction" (short for SETN), and other similar ones are Secure Transaction Techno 1ogy (STT) x Secure Electronic

Payments Protoco 1 (SEPP) ^ Internet Keyed

Page 5 505873 V. Description of the invention (3)

Pay.entsCUP), Net Trust and Cybercash Credit Payment Protocol, etc .; however, no matter how advanced the facts are, the facts prove that it is still not able to resist the #hacking illegal intrusion = destruction and theft. As for the position of the card or the merchant that the package is carried out, due to the credit held by the consumer, the card cannot be obtained immediately by using the card card, and the merchant cannot identify the person; In other words, in the process of merchants' trouble, because the two names are true and false, it is easy to suffer losses in the consumption or theft. The position of the center without reporting a lost letter or credit card must be issued to or stolen by the credit card company for investigation. Although the fee is about US $ 100, although it is not large, the total market value is considerable. In terms of consumers, With the card, because the business center can not immediately ask the merchant to authorize the risk of completing the brush. At the same time, the credit on the Internet is US $ 8, but since 1998, it is estimated to be about US $ 70. This type of loss is eventually traded by the consumer provided by the believer. According to the Visa consumption In terms of fraud, it will be seen from the electronic billion that the consumer's credit card held by a bank with a fake card will be used to withdraw the credit card (VISA amount, anti-deceptive transaction method is completed). Card number, the bank card is really higher than the bank CARD) The public dealer pays for each amount of the transaction loss, which is shared by each other. Page 6 505873 V. Description of the invention (4) Therefore, no matter whether you use the card for physical shopping transactions or The method of virtual online shopping transactions obviously does not prevent the theft and fraud of credit cards, because credit cards in the form of cards are still in danger of being lost or copied, and online card numbers are hacked and stolen. The danger of theft is why the traditional way of using credit cards as a payment transaction medium needs to be further improved. In addition, for merchants, We still need to purchase the relevant credit card machines and other equipment, and for small businesses, it also belongs on a negative operating load.

The purpose of the invention is in view of this. Therefore, the main object of the present invention is to provide a method for achieving a paid transaction by using a mobile communication device, which establishes a set of utilization communication between consumers, businesses, and parents. The consumer payment mechanism constituted by computer equipment users can achieve multiple functions such as reducing transaction risks and cardless, non-swipe card machine equipment through double confirmation actions. It is mainly when the consumer enters the merchant for consumption behavior, the merchant is first shown a set of consumer codes obtained by the consumer from the transaction management center or its authorized institution, and the merchant will include the consumer code, store code, and consumption Relevant information such as the amount is transmitted to the transaction management center through telecommunications or computers and other devices. The transaction management center then inquires consumers in real time through mobile communication devices. If the consumer agrees to pay and enters a set of payment passwords, the passwords are compared by the transaction management center. After an error, an authorization code is generated to the merchant to complete the transaction process. The related parent-friendly information is stored in the account center information through the parent-friendly management center.

505873 V. Description of the invention (5) Material bank, which is managed in parallel and regularly sends relevant accounting information to consumers, notifies payment and clears transaction amount with merchants. BRIEF DESCRIPTION OF THE DRAWINGS In order to allow your reviewing committee to further understand the detailed description and reference drawings of the present invention, it can make people more fully understand the foregoing and other objects and advantages of the present invention. 0 The first diagram is a simple schematic diagram of a conventional credit card transaction. The second diagram The diagram of the system architecture for this creation. The third diagram is the flowchart of the transaction of the creation. The fourth diagram is the schematic diagram of the payment mechanism of the creation transaction management center. The fifth diagram is the simple diagram of the transaction of the creation. Merchant: refers to customers who have mobile communication equipment (such as mobile phones or personal digital assistants (PDAs), etc.), obtain the consumer code from the transaction management center or its authorized institution, and set a password to the transaction management center, indicating that they agree to use this Payment agency business: Generally refers to the general store number, and has been in the transaction management

505873 V. Description of Invention (6) Virtual Merchant Management Merchant Transaction Management Accountant Center Authorization Code Request for Payment Request Payment Request Application Action Refers to the Internet Center Application Bank refers to the physical merchant provides the merchant's payment request to confirm the execution of account book related business For transaction inquiries, please refer to Transaction Management. Paying service. An online store and has paid the service to the transaction. Business. Service center to provide payment management to consumers. Print the unique serial number of the accountant, such as clearing business, to identify this payment transaction. The heart asks for payment. The user asked whether to agree to pay for the pestle provided by the present invention. 1 ^ A payment transaction method using mobile communication devices to achieve payment, which is mainly a person-friendly and carry-on feature on behalf of the payment mechanism. Immediate and rejection of payment, because the bank transaction management center can achieve the function of payment included in the bill, confirmed by the account holder, and the system structure of its confirmed replacement is as the second place. For the purpose. The main _, according to the second picture shown in the figure below include: "Related system architecture" The basic equipment of the present invention requires 505873 V. Description of the invention (7) 1. Consumer: Mobile communication equipment, including mobile phones, personal digital Assistant (PDA) and so on. 2. Merchants · Telecommunication, computer and communication equipment that can be contacted with the transaction management center. 3. Transaction Management Center · Database system and related interface programs, telephone voice system, payment request processing website, etc. For the actual payment transaction flow chart of the present invention, please refer to the third figure. The steps and procedures are as follows: 1. When a consumer enters a physical or virtual merchant for consumption, he first prompts the merchant to use a mobile communication device to pay for the payment. And inform the merchant of a code issued by the transaction management center or its authorized institution; 2. The merchant requests the transaction management center through telecommunications equipment (such as a general local telephone or mobile phone) or a computer network, and Enter the store code, consumer code, and the amount of consumption to the transaction management center; 3. After receiving the merchant's notification, the transaction management center will make a payment request to the consumer through the mobile communication device, and inform the store name and the amount of consumption, and Ask the consumer whether they agree to the payment. If they agree to the payment, the consumer must enter the password preset when registering the mobile communication payment with the transaction management center to complete the payment transaction; otherwise, if the consumer does not

On page 10, the payment center agreed to the consumer's secret to generate a data transfer. After the regular transfer, the consumer incorrect password. 4 =, press * to cancel this payment transaction, and the transaction management notifies the merchant to terminate the transaction; 2 After entering the fPay password, the transaction management center will tap according to what you have done, and the line will be correct. The center pays to the merchant who made the request for the payment, and will pay the account = the account, the central database records it, and record the transaction details, and the = fee 1 will be sent to the consumer; ^ Quanma keeps records for future payments and completes transactions; as for the password entered by the consumer, the transaction management center will notify the consumer to request re-rolling as shown by the aforementioned transaction process of the present invention. The present invention Main: Confirm payment on behalf of merchants and consumers, the same. Prevent the double t of the mobile communication equipment code and the set password provided by the I Jia, so as to ensure the security of its transactions; for a description of the agent of the present invention, please refer to Figures 4 and 5 at the same time. Shown by. : It can be seen that the present invention mainly uses the transaction management center as the transaction core, 2 7 is a request for payment by a merchant, or a payment request by a consumer, ^ confirmed by the transaction management center; at the same time, in the second process of confirming the payment 'Consumers must enter the set password, and the password must match the password originally set to the transaction management center, and the transaction management center will issue a payment authorization code after confirming to the consumer by voice or electronic means, /, •, v Prisoners) υπ73 V. Description of the invention (9) —-----: 70% to avoid the possibility of consumer forgery or fraud; as for the merchants, I will go to the transaction management center through general telecommunications equipment or computer network on January 1 Yueqiu therefore does not need any additional equipment configuration (such as credit card machines, etc.) and the payment of the shoulder fee is confirmed by the transaction management center, so there is no problem of stolen or counterfeiting. The invention of the transaction process and the transaction mechanism said that this booklet includes at least the following effects: 1. Security

A

B

C. The use of telecommunications equipment, such as mobile phones and personal digital assistants, etc., where the SIM card used in mobile phones is highly secure and the risk of being illegally cracked is low. Identifying the 'Shaffer's identity, so a considerable degree of security can be achieved. From the point of view of consumers, consumers must register with the parent management center through mobile communication and set a password in advance to obtain a passerby's mother. Consumers only need to inform the merchant when they consume. This code is more concerned about the security of merchants copying cards when using credit cards. In addition, each transaction on the behalf of the transaction management center will call the consumer ’s mobile communication device to request the input of a password to confirm the agreement to pay, and the helmet must worry about the fake transaction by the merchant or the third party. ... ,,. ^ From the perspective of 1 豕, each transaction of the merchant is confirmed by the transaction management center I: 1 ′ Xiao Fei confirms and agrees, so there is no need to worry about problems such as using a credit card to receive a false card or a false signature.

505873 V. Description of the invention (ίο) "2. Transaction benefits A. Consumers: can pay various fees on their behalf through mobile communication device bills, provide consumers with an alternative payment mechanism other than credit cards, and pay for each transaction on their behalf All will consult consumers through mobile communication devices, and can achieve a secure payment mechanism. Especially when trading on the Internet, there is currently no absolutely secure and simple payment mechanism. If you use the transaction method provided by the present invention, you can ensure The security of consumers shopping online. 'B. Merchants: As long as the merchants have a local telephone, they can join the transaction method of the present invention, without the need to purchase various equipment including credit card machines, computers, and even use other Mobile communication equipment such as mobile phones, etc., to achieve transaction mobility. If the transaction management center charges lower fees than existing credit card fees, merchants can also obtain profits from the transaction difference. C. Transaction management center: Provide such an advanced, safe and convenient mechanism to improve service to consumers and enhance the image of the enterprise. - transaction charge a fee, benefit the essence of the addition, also due to the convenience of this new trading methods to bring it to attract consumers interested in mobile communications equipment, and indirectly enhance the mobile carrier's sales were dependents.

Page 13

Claims (1)

505873 A mobile communication payment transaction party, the merchant, and transaction management = Jian is mainly used by consumers and consumers to pay for consumption; Jian: =: communication, computer is / ίΓ, the steps involved include ... / 肖When you pay for a transaction, you should first mention it to the merchant and inform the merchant of a consumer code managed by the transaction manager. When the consumer enters the merchant and shows the mobile communication device on behalf of the payment management center or its authorized institution, the merchant sends the transaction to the transaction through the telecommunications device During management ^ person X made a request from the τ heart, and entered the store code, consumer = ° monthly approval to the transaction management center; and the management center received a notification from the merchant. Later, he made a payment request to the consumer through mobile and s-message equipment. Dingtong paid for the jaw, and asked the consumer if the homonymous 4 li door was established as ... ^. W pay, if you agree to pay, pay J fee The user must enter the master and private of the transaction manager AB: ^ < 王 T 心 " Wang w subscribe the pre-attack password of the communication payer to complete the payment transaction; otherwise, if the consumption is different = payment, press the specific key to take After canceling this payment transaction, the delivery management center will notify the merchant to terminate the transaction. E. After the customer turns in the payment transaction password, the password entered by the transaction management center will be compared. If the password is correct, the transaction management center is Generate an authorization code and deliver it to the merchant who requested the payment, and transfer the information to the database of the billing center and record the transaction. 505873 6. The scope of the patent application is detailed, and the consumer information is regularly sent to the consumer; After obtaining the authorization code, the merchant can record the authorization code for future payment requests and complete the transaction with the consumer. As for the incorrect password entered by the consumer, the transaction management center will notify the consumer to request a new entry password. 2. The mobile communication payment transaction method described in item 1 of the scope of patent application, wherein the mobile communication device used by the consumer is a mobile phone, which talks with the transaction management center by voice, and enters relevant tributes by dialing. By. 3. The mobile communication payment transaction method described in item 1 or 2 of the scope of patent application, wherein the mobile communication device used by the consumer is a personal digital assistant, which communicates with the transaction management center by means of electronic digital signals. And input and receive related information in the form of electronic signals. «4. The mobile communication payment transaction method as described in item 1 of the scope of patent application, in which the telecommunications equipment used by the merchant is a general local telephone, which uses a voice call with the transaction management center and enters relevant information by dialing . 5. The mobile communication payment transaction method described in item 1 or 4 of the scope of patent application, wherein the telecommunications equipment used by the merchant is a mobile phone. Page 15 505873 6. Scope of patent application 6. The mobile communication payment transaction method described in item 1 of the scope of patent application, wherein the merchant is a physical merchant. 7. The mobile communication payment transaction method described in item 1 of the scope of patent application, wherein the merchant is a virtual merchant. 8. A mobile communication payment transaction method, which is mainly used to establish a consumer payment method composed of communication and computer equipment between consumers, merchants and transaction management centers. The steps include: 1. The consumer is entering the merchant When performing consumer behavior, first prompt the merchant to pay on behalf of the mobile communication device and inform the merchant of a code issued by the transaction management center; 2. The merchant requests the transaction management center through a computer communication device and enters the store Code, consumer code, and consumption amount to the transaction management center; 3. After receiving the merchant's notification, the transaction management center makes a payment request to the consumer through the mobile communication device, and informs the store name and the amount of consumption, and consults the consumer Whether to agree to the payment, if the payment is agreed, the consumer must enter the password preset when registering the mobile communication payment with the transaction management center to complete the payment transaction; otherwise, the consumer Page 16 6. If the scope of the patent application does not agree with the payment, the Tehong Management Center will notify the merchant to terminate = cancel this payment transaction, and the transaction 4. The password entered by the customer's rotation on behalf of the payment will be compared,:, After that, the transaction management will generate an authorized Ma Jia Π = 1 according to the intention, then the transaction management t will transfer the payment information to the merchant that the billing center Z j issues the payment request, and it will periodically reduce the consumption capital to two = Treasury records, and the authorization code can be granted after the green transaction is cleared. To the consumer; as for the merchant who completes the transaction with the consumer at the same time to record the future payment request, the password is incorrect, then = ,, 'as for' If the consumer enters a new password. The B-management center will notify consumers to request the mobile communication payment transaction method described in item d :: 8, and the transaction mobile phone to enter the relevant information. The method is to communicate with each other, and use the dialing method to dial 0. The mobile communication payment as described in item 8 or 9 of the scope of patent application ^ f party ', where the mobile communication device used by consumers is a personal assistant. It communicates with the transaction management center by means of electronic digital signals' and inputs and receives related information in the form of electronic signals. Γ 1. The mobile communication payment transaction party described in item 8 of the scope of patent application. Page 17 505873 6. Method of scope of patent application Among them, the computer communication equipment used by the merchant is a computer network connected to the transaction management center, which communicates with the transaction management center by means of electronic digital signals, and inputs and receives related data by means of electronic signals. 1 2. The mobile communication payment transaction method as described in item 8 of the scope of patent application, wherein the merchant is a physical merchant. 1 3. The mobile communication payment transaction method as described in item 8 of the scope of patent application, wherein the merchant is a virtual merchant. Page 18