TWI309025B - Payment terminal device for payment data exchange - Google Patents
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- TWI309025B TWI309025B TW92126296A TW92126296A TWI309025B TW I309025 B TWI309025 B TW I309025B TW 92126296 A TW92126296 A TW 92126296A TW 92126296 A TW92126296 A TW 92126296A TW I309025 B TWI309025 B TW I309025B
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1309025 九、發明說明: 【發明所屬之技術領域】 本發明是有關於一種系統,係用於介於一銷售點(point of sale, P〇S)裝置,例如說,自動販賣機等,以及一付款中 心或授權中心(負責該交易之認證、授權與相關的付款與 結帳程序(payment and settlement procedure)之一實體)之 間’之金融交易(financial transaction)資料(包括認證 (authentication)、授權(authorisation)與付款(payment)資料 等)交換,以及有關於被使用於一付款系統之一付款終端裝 置。 【先前技術】 行動電話已相當普及而遍及全世界,近來並在資料通 訊方面提供了許多先進的應用。其中一項最熱門的新服務 是透過行動電話來付款,一般被稱為“行動付 =’’(m_payment)。有許多可行的行動付款方案,其中大部 分都是基於無線應用通訊協定(wireless A卯以此⑽1309025 IX. Description of the Invention: [Technical Field] The present invention relates to a system for use in a point of sale (P〇S) device, such as a vending machine, etc., and a Financial transaction data (including authentication, authorization) between a payment center or an authorization center (the entity responsible for the authentication, authorization, and related payment and settlement procedures of the transaction) (authorisation) is exchanged with payment materials, etc., and there is a payment terminal device that is used in one payment system. [Prior Art] Mobile phones have become quite popular throughout the world and have recently provided many advanced applications in data communication. One of the hottest new services is payment via mobile phone, commonly referred to as “m_payment.” There are many actionable payment options, most of which are based on wireless application protocols (wireless A).卯With this (10)
Protocol, WAP)技術,其可以將網際網路所有的好處盘行動 :=二=解決方案利用打電話到-特殊付款終端 θ #二二中心或—用戶或使用者被啟用。但 疋“丁動付痛快速接受形成嚴重的妨礙 網際網路的範圍,有關其取得與運作成本以H 終端機之成本。尤苴θ .. θ ra . ^ 勹匕知的付款 括一相/、疋,坆疋口為母一付款终端機必須白 :電通訊介面’其必須涵蓋所有行動電話‘ /…之貝枓通汛之不同的*、可能新推出的與現有已建立 I 2274pm 6 1309025 喷说U每上所有已知的系統需要某種現行的行動電話 =別名(alias))提供給付款終端機,所有這些都使 付款程序更㈣。市場上有些解決方案利肖-條碼,或附 近之一電話以允許付款終端機讀取並開始一授權過程。 【發明内容] 因此’本發明目的之一是提出用於一付款系統之,付 款終端機,其可以避免關於聯結一行動電話到一付款終端 裝置時,由不同的行動電話標準規格所引起的問題。 較佳的是,其具有一終端機以提供一非常簡單、快速 與容易使用的工具。更佳的是,其具有一簡單、快速與可 靠的系統,並且介於該行動終端裝置與該付款終端裝置之 間為一最簡單聯結。 此目的可以藉由如申請專利範圍第〗項所述之付款終 端裝置來解決。 死丧到一翊售點(ροιηι 稣上所述,本發明权供一按到一袭 ‘啦吻)裝f、-行動電話以及一付款中心一付款終端 裝置。該付款終端裝f包括第―與第二介面裝置,以及資 料處理裝置。該第-介面U是•可放行地聯結該行動 電話到該付款終端裝Ϊ,簡該行動電話與該付 間傳輸資料訊息。該資料訊息可以是聲音或聲音資料气 息。該第二介面裝置Μ於連輯付款終端裝置與 :心,以於該付款終端裝置與該付款中心之間傳輪: 息。於該付款終端機1«付款巾心之.制結可以放 行。該資料處理裝置被聯結顺第—_第二介面裝置, 12274pm 7 1309025 用以處理從該第—與該第二介面裝置接收到之,炎伟 以產生,送到該第—或該第二介面裝置之資料。、 捉口玄第一介面裝置’包括一連接裝置’用於連接續介面 ^到該行動電話。該連接裝置是用於透過該連接装_ 1-介面裝置’傳輸介於該行動電話與該處 問 之貝料丄或是相反方向之資料傳輸也可以。 、、5玄第一介面使得該付款裝置本身可以連接該付款中 ,可通知該銷售點(p〇s)裝置的供應商,例如說,當需 要維4時。該第二介面也有好處,就是介於該行動電詁與 =付款終端機之間之直接聯絡之號碼可以被縮短。該第二 γ面可以可放行地連接該付款中心。再者,該第二介面玎 以包括,例如說一無線通訊數據機,一有線通訊數據機, 例如說一公眾交換電話網路(PubHc Switched Tdeph_Protocol, WAP) technology, which can take all the benefits of the Internet disk action: = two = solution to use to call - special payment terminal θ #二二中心 or - user or user is enabled. However, "Don't pay for the pain quickly accepts the formation of a serious barrier to the Internet, the cost of its acquisition and operation costs to the H terminal. Especially 苴θ.. θ ra. ^ Know the payment includes one phase /疋 坆疋 坆疋 为 为 母 一 一 一 : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : : Each of the known systems on the U said that some current mobile phone = alias is provided to the payment terminal, all of which makes the payment process even more. (4) There are some solutions on the market, Leo-Barcode, or nearby One of the telephones allows the payment terminal to read and start an authorization process. [Summary of the Invention] Therefore, one of the objects of the present invention is to provide a payment terminal for a payment system that can avoid a connection to a mobile phone to a The problem caused by different mobile phone standard specifications when paying for a terminal device. Preferably, it has a terminal to provide a very simple, fast and easy to use tool. Yes, it has a simple, fast and reliable system and is the simplest connection between the mobile terminal device and the payment terminal device. This object can be achieved by the payment terminal as described in the scope of the patent application. The device is used to solve the problem. The death terminal is sold to a sales point (pοιηι 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 f includes a first and second interface device, and a data processing device. The first interface U is: a playable connection between the mobile phone and the payment terminal device, and the data message is transmitted between the mobile phone and the payment device. The message may be a sound or a sound data. The second interface device is connected to the payment terminal device and the heart to transfer the payment between the payment terminal device and the payment center. The knot can be released. The data processing device is coupled to the second--second interface device, 12274pm 7 1309025 for processing the first-to-second interface device, Generating, sending the data to the first or the second interface device. The catching interface first interface device 'including a connecting device' is used to connect the continuous interface to the mobile phone. The connecting device is for transmitting the The connection device _ 1-interface device transmits the data transmission between the mobile phone and the information requested in the opposite direction or in the opposite direction. The first interface allows the payment device itself to be connected to the payment. The supplier of the point-of-sale (p〇s) device can be notified, for example, when dimension 4 is required. The second interface is also advantageous, that is, the number directly connected between the mobile phone and the payment terminal. Can be shortened. The second gamma plane can be releasably connected to the payment center. Further, the second interface can include, for example, a wireless communication modem, a wired communication modem, such as a public switched telephone network. Road (PubHc Switched Tdeph_
Network, PSTN)數據機,一整合服務數位網路㈣喂扣一Network, PSTN) data machine, an integrated service digital network (4)
Services Digital Network,ISDN)數據機,纜線數據機(CableServices Digital Network, ISDN) Data Machine, Cable Data Machine (Cable
Modem)或一全球移動通信系統(Gi〇bal Sim M〇bU, GSM) ’或全球行動通訊服務(universai Mobile Telecommunications Services, UMTS)數據機用以連接到該 相關的網路,以從該付款終端裝置到該付款中心提供一第 二直接的連接。该第二介面裝置包括一裴置,用以轉換於 該第二介面裝置與該付款中心之間所傳輸的資料成,藉由 該處理裝置與該付款中心可處理的資料’並且相反方向之 資料傳輸也可以。 该第一介面能使一授權過程可行。並不需要透過第一 12274pii、l 8 1309025 介面傳輸全部的授權資料,而只需要—部分的授權資料, 對於使用者而S間化了 έ玄程序。第—介面的任務之一是幫 助5¾付款終端機決疋δ玄(電话)號碼,或其他行動電話之身 份認證(identification)資料與付款終端機之號碼。 s亥第二介面裝置可以被用於不同的任務。例如說,其 中一任務可以是’簡化付款終端機之使用。該系統之一問 題是,使用者(或使用者之行動電話),接近使用者之行 動電話之銷售點(P0S)裝置,與付款交易之總額必須被確 S忍。5玄電話之身份認證或該使用者可以,例如說,如習知 身又錯由一自動通话5虎碼傳送以作為' —打電話者身份句、證, 例如说,攸行動電s舌撥號,或藉由該行動電話之識別用戶 身份(Subscriber Identification Member, SIM)卡之詢問被 6 成。使用者之電話之身份認證可以非常簡單或甚至自動I 地被執行。 銷售點(P0S)裝置的身份認證可以被執行,例如說,藉 由從終端裝置到付款中心傳送一身份認證碼。較佳的是, 該身份認證可以藉由一環繞傳送(circle transmission)被I’ 行,例如έ兒,從付款中心透過付款終端機與行動電話回 该付款中’相反之途徑。該職傳送也可以從付款 裝置或從仃動電話開始。―環繞傳送也可以被用以決〜而 動終端I置到付款終端裝置或銷售點(P0S)裝置之接^:亍 其他的任務可以用於縮短介於行動電話盥 間之通訊時間。妒AAnn*pE1 θL β ’、』认Τ心之 丁间、纟倍紐的通讯時間具有許多好處。介於行動 Ι2274 ρίΠ 1309025 電話裝置與付款終端機之間之較短的通訊時間,在傳 程中較不會有錯誤,縮短的時間是顧客需要打行動電每 ==?間,與使用者較少的通訊成本。依據 丁、衣置所砥疋的設計,付款終端裝置或付啖中 啟動介於付款中心與付款終端裝置之間之連接。’驾 傳輸電;!與付款終端裝置之間之資料 -動終物與付款終端機之間 用广 括,介於_付款終 =u錢。该程序包 可以被使用者監視。;ί本;; 證可以透過一不同的傳於艇 &例,戎傳輸之認 提供—較安全的與較可^的二f求付款。因此可 終端機與付款中心之間之=易p至少-介於付款 察。單向資料傳輸之另—好d各易被—使用者所觀 動電話之麥克風之間之距離3固::於揚聲器與不同的行 如說’介於Η與5cm之間。介於而可以改變,例 端機之間之—單向傳輸,:動電話裝置與付款終 省:調適介於麥克風與付款終端^_行動電話,可以 之-調適機制。單向資料傳:-之揚聲器之間之距離 動备话裝置之麥克風之位置, 奸處是,比起他的行 ^位置。單向資料傳輸之另―好^者更容易知道揚聲器 J:、電話之-端並不與使用者之從—衛生之觀點來 、,接觸到付款終端裝置。 膚接觸,而是放置 車乂佳的是,該第-介面装置 . 括—數據機。該數據 1 2 2 74 p i t'| 1309025 故被%、、’。到5亥連接裝置,用以轉換透過該連接裝置與該第 —介面裝置介於行動電話與處理裝置之間所傳輸之資料。 二數據機可以被用於,有效地進行介於處理裝置與行動電 忐之間之資料傳輪。該數據機亦可以被用以調整被傳送釗 S亥行動電話之㈣之實際上使用之難。該數據機可以用 以調變資料以符合該連接裝置。 …較佳的是,介於數據機與行動電話之間所傳輸之資 料,包括聲音資料(sound data)或聲波資料(acousticdata)。 月之貝%例之一極大之好處是,介於行動電話與付款 終端裝置之間之付款資料之傳輸’使用聲音資料訊息是被 所有的電話製造商取考慮成為唯—的標準。鱗波資料 傳輪得以顯著地降低付款終端裝置之通訊介面之複雜度, 二及與其聯結之成本,因為聲波聯結m已知的資料傳 在實施於付款終端機時並不會有任何困難發 生耳曰資料讯息或聲音訊息,是為成功的或指定的訊息 之特別的形式,其以使用於行鱗音網路之聲音 輸與交換。 、、心评 本啦月之付π人終端裝置,是用以連接到一銷售Ρ0 裝置(㈣販賣機等)、—付款中心,並包括介面裝置用 以矸放打地聯結付款終端裝置到行動電話。 第二=面之花費無關的是,該使用者從該系統與 该付款::序之簡化的操作中獲益。介於付款終端機與付款 中,〇、之第二連接之間,提供了節省用於認證之—pm : 成電該號碼之-輸人之―好處。此外,—撥號程序可^被 1309025 節省’若該使用者啟用縮短的撥號於付款中心之號碼。甚 至若該付款終端機使用—雙向(tw〇,ay)介面到銷售點 (POS),-總和之輸入可以被節省,。具有一雙向銷售點 (POS)"面’ 一使用者可以簡單地在銷售 擇該 需要的服務或產品’在他的電話上按下縮短的撥號鍵,對 付款終端機按下行動電話,並等待產品之0服務。此輕 序提供-快速㈣單的付款終端叙科㈣。這可 供最簡單的銷售點(POS)之付款,即二按紐之單手摔作 佳的是’該使用者可以在銷售點(P0S)裝 置,按下:‘使用付款終端機,,独。到付款中心之連^ =使用者甚至不必按下隱了 右有而要,3方法可以在付款程序之前, “確認,,按鈕被使用。 I”令頻外的 較佳的是,該連接裂置具有一聲波聯 波信號之形式,傳輸聲音資料訊息於行動 之間,例如說,該聲音資料訊息以其聲音本了,接衣置 聲音之頻帶(frequency band)以聲音作為訊· 或在人類 輸。該聲波聯結器允許付款終端裝置聯結=載波來傳 動電話,包括現已使用與將來可能被使^之,何,式之行 不需要對不同的行動電話本身做任何修改。:動電話,而 波聯結器之形狀,應該使行動電話麥克風可了,而言,聲 口八,並且反之亦然,因此,即使在—吵=合該制 下亦是可以操作。 ^形下或環境 一聲波聯結器之使用具有額外的好處是人 ^ K,介於行動電 1 2274 pifl 1309025 话與付款終端機之間之資料連接是通用的,並且可以被任 何^話,不依賴於於連接n、製造商的設計'與適當的介 =來使用。因,只有少量的資料被傳輸於行動電話與終 =衣置之間’-喊聯結器不需具有高的資料傳輪率就足 較佳的是,該聲波聯結器具有„麥克風,用以連接到 $動電話L。此設計之好處是,從供應商的角度 來看’該使用者的行動電話只連制該付款中心,並且該 付款中心可以簡單地配備有—防止詐欺(fraud —Mon) 糸絲。 車父佳的疋,该聲波聯結器具有一揚聲器 (loudspeaker) ’肖以連接顺行動電話之」麥克風。此設 計之好處是,從供應商的角度來看,該使用者的行動電話 只連接到該付款裝置,並訂、用作為—分㈣遞站(咖 station)用於一部分用作認證之訊息。 透過該行動電話聲音頻道傳輸之資料,不論加密與 否’可以簡單地❹任-行動電話標準規格。該系統可以 與類比行動電話系統—起㈣,與全球移動通㈣統(GSM) 或與全球行動通繩務(UMTS)或任域釘卿行動電 話系統i使用。該資_變可以是雙音多頻_丨丁_Modem) or a Global System for Mobile Communications (Gi〇bal Sim M〇bU, GSM) ' or a universal mobile telecommunications service (UMTS) modem for connecting to the associated network to receive from the payment terminal The device provides a second direct connection to the payment center. The second interface device includes a device for converting data transmitted between the second interface device and the payment center, by means of the data processed by the processing device and the payment center, and in the opposite direction Transmission is also possible. This first interface enables an authorization process to be feasible. It is not necessary to transmit all the authorization data through the first 12274pii, l 8 1309025 interface, but only the part of the authorization data, and the user is interspersed with the program. One of the tasks of the first interface is to help the payment terminal to determine the δ Xuan (telephone) number, or the identity of the other mobile phone and the number of the payment terminal. The second interface device can be used for different tasks. For example, one of the tasks can be to 'simplify the use of payment terminals. One of the problems with this system is that the user (or the user's mobile phone), the point of sale (P0S) device that is close to the user's mobile phone, and the total amount of the payment transaction must be confirmed. 5 Xuan phone identity authentication or the user can, for example, say that the body is wrongly transmitted by an automatic call 5 tiger code as a 'caller identity sentence, card, for example, 攸 mobile phone s tongue dial Or, the inquiry by the Subscriber Identification Member (SIM) card of the mobile phone is 60%. The identity authentication of the user's phone can be performed very simply or even automatically. The identity authentication of the point of sale (P0S) device can be performed, for example, by transmitting an identity authentication code from the terminal device to the payment center. Preferably, the identity authentication can be performed by a circle transmission, e.g., by the payment center, from the payment center to the mobile phone by the payment terminal. The transfer can also be initiated from the payment device or from the intrusion call. The "surround transmission" can also be used to set the connection to the payment terminal device or point-of-sale (P0S) device. Other tasks can be used to shorten the communication time between mobile phones.妒AAnn*pE1 θL β ’, 』 Τ 之 纟 纟 纟 纟 纟 纟 纟 纟 纟 纟 纟 纟 的 的 的 的 的 的 的 具有 具有 具有Between action 2274 ρίΠ 1309025 The short communication time between the telephone device and the payment terminal is less error in the transmission. The shortened time is that the customer needs to call the mobile phone every ==? Less communication costs. According to the design of the Ding and the clothing store, the payment terminal device or the payment device initiates a connection between the payment center and the payment terminal device. 'Drive transmission; and the information between the payment terminal device - between the end-of-life and the payment terminal is widely used, and the payment is final. This package can be monitored by the user. ; 本 ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; Therefore, the terminal between the terminal and the payment center can be at least - between payment and inspection. The other side of the one-way data transmission is easy to be - the distance between the microphones of the user's mobile phone 3 solid:: between the speaker and the different line, say 'between Η and 5cm. Between and how to change, between the terminal machine - one-way transmission,: mobile phone device and payment end: adjust the microphone and payment terminal ^_ mobile phone, can be - adaptation mechanism. One-way data transmission: - the distance between the speakers. The position of the microphone of the mobile device, the traitor is, compared to his line ^ position. Another one-way data transmission is easier to know that the speaker J:, the phone's end does not come with the user's point of view - the point of view of hygiene, access to the payment terminal device. The skin contact, but the placement of the car is better than that of the first interface device. This data is 1 2 2 74 p i t'| 1309025 and is therefore %,, and. Connecting to the 5H connection device for converting data transmitted between the mobile phone and the processing device through the connection device and the first interface device. Two data machines can be used to efficiently carry out data transfer between the processing device and the mobile device. The data machine can also be used to adjust the difficulty of actually using (4) of the transmitted mobile phone. The modem can be used to modulate the data to conform to the connected device. ...preferably, the information transmitted between the data machine and the mobile phone, including sound data or acoustic data. One of the great benefits of the Month Bay example is that the transmission of payment data between the mobile phone and the payment terminal device uses the voice data message to be considered by all phone manufacturers to be the only standard. The scale data transmission can significantly reduce the complexity of the communication interface of the payment terminal device, and the cost associated with it, because the data associated with the sonic connection m is transmitted in the payment terminal without any difficulty.曰 A data message or a voice message is a special form of a successful or designated message that is used to exchange and exchange sounds used in a line-scale network. The π person terminal device is used to connect to a sales Ρ0 device ((4) vending machine, etc.), a payment center, and includes an interface device for arranging the land connection payment terminal device to the action. phone. The second = face cost is that the user benefits from the system and the simplified operation of the payment:: sequence. Between the payment terminal and the payment, between the second connection, the savings are provided for the authentication - pm: the success of the number - the loss of the person. In addition, the dialer can be saved by 1309025' if the user enables the shortened dialing number in the payment center. Even if the payment terminal uses a two-way (tw〇, ay) interface to a point of sale (POS), the sum input can be saved. Having a two-way point of sale (POS) "face" A user can simply press the shortened dial button on his phone to press the mobile phone on the payment terminal, and Wait for the product's 0 service. This light-sending provides a fast (four) single payment terminal (four). This allows for the simplest point of sale (POS) payment, that is, the one-handed drop of the two-button is that the user can be at the point of sale (P0S) device, press: 'use the payment terminal, alone . Connect to the payment center ^ = The user does not even have to press the hidden right, 3 methods can be used before the payment process, "confirm, the button is used. I" makes the extra frequency better, the connection is cracked The sound wave signal is transmitted in the form of a sound wave signal, for example, the sound data message is written by its sound, and the frequency band of the sound is used as a sound or in humans. lose. The sonic coupler allows the payment terminal device to connect = carrier to transmit the phone, including what is currently used and what may be done in the future, and does not require any modification to the different mobile phone itself. : The phone, and the shape of the wave coupler, should make the mobile phone microphone ok, in terms of voice, and vice versa, so it can be operated even if it is in the same way. The use of a sub-sound or ambient-sound wave coupler has the added benefit of being a human K, between the mobile power 1 2274 pifl 1309025 and the data connection between the payment terminal and the payment terminal is universal and can be used by any Depends on the connection n, the manufacturer's design 'and the appropriate interface = to use. Because only a small amount of data is transmitted between the mobile phone and the final device. The shouting coupler does not need to have a high data transfer rate. Preferably, the sonic coupling has a microphone for connecting. To the mobile phone L. The advantage of this design is that from the supplier's point of view, 'the user's mobile phone only has the payment center, and the payment center can be simply equipped with - fraud prevention (fraud - Mon)糸丝。 Cargo good 疋, the sonic coupling has a speaker (loud to connect with the mobile phone) microphone. The advantage of this design is that, from the supplier's point of view, the user's mobile phone is only connected to the payment device, and is used as a part-time (four) delivery station (a coffee station) for a part of the message used for authentication. The data transmitted through the mobile telephone voice channel, whether encrypted or not, can simply be used as a mobile phone standard specification. The system can be used with analog mobile phone systems (4), with Global Mobile (4) (GSM) or with Global Mobile Communications (UMTS) or with the local mobile phone system i. The capital _ change can be dual-tone multi-frequency _ _ _
MultlFrequency,DTMF)或任何其他資料調變,立可以,例 如透過一聲音頻道被傳輸。 〃 η於付款終端機與付款中心之間之二連接,建構了〆 葬常簡單的系統。在本發明之„非常簡單之實施例中,該MultlFrequency, DTMF) or any other data modulation can be transmitted, for example, through a sound channel. 〃 η is the second connection between the payment terminal and the payment center, which constructs a system that is often simple to bury. In a very simple embodiment of the invention,
| 2 2 7 4 ρ ί ΓI 1309025 為—分程傳遞站㈣ay — n)介於行動電 L牛^、^丁動電話端銷售點(p〇s)裝置之間。在一第 二 付认終端機只是用以確認,該行動電話是在銷 以及 以及 ^POS谈置之附近,在第二步驟,銷售點(p⑽裝置傳 二、:卜例如。兒’所選擇商品之價格到付款中心’ j取< 步‘m ’例如說’由使用者輸人付款之執行’ 该產品以被核准。 較佳的是,為了使該聲波聯結器適用於不同種類的行 動電話’介於該聲波聯結器之-麥克風與-夢之間之一 距離是可調整的。 在本务明之較佳實施例中,有幾種額外的選擇用於付 款終端機到行動電話之連接。 首先,介於付款終端機與行動電話之間的較位的聯結 是透過有線的裝置(wiredoption),其中該連接裝置具有電 子插拔連接裝置,用以電性聯結到行動電話之一_插拔連接 益,以電子信號之一形式交換介於行動電話與連接裝置之 間之訊息或聲音資料訊息。插拔連接裝置可以具有複數個 不同的插拔連接器,用以連接到相關不同種類的行動電話 之不同種類的插拔連接器。該插拔連接器可以透過,例如 說’具有一自動化捲繞機構之一多重拖良式線架(multi pul1 out wire rack) ’類似一加油幫浦而獲得。 其他介於付款終端機與第二選擇之間之較值的聯、结’ 包括紅外線(infrared radiation, IR)通訊,其中付款終端機之 連接裝置或介面裝置,包括一紅外線介面用以與行動電話 I 2 274 pifl 1309025 相關的紅外線介面通訊,以紅外線信號之一形式交換介於 付款終端機與行動電話之間之訊息或聲音資料訊息。這在 所有最新式的,例如說,具有一 IrDA介面行動電話中是 可行的。此選項使得較高的資料率與較短的交易時間成為 可能。 另一介於付款終端機與第二選擇之間之較佳的聯結, 包括無線電頻率(radio frequency, RF)通訊,其中付款終端 機之連接裝置或介面裝置,包括一無線電頻率介面用以與 一行動電話相關的無線電頻率介面通訊,以無線電頻率信 號之一形式交換介於付款終端機與行動電話之間之訊息或 耸音資料訊息。藍芽(Bluet00th)與無線區域網路(wirdess Local Area Network, WLAN) ’例如說’在此區域是為標 準,然而,其他無線電頻率通訊協定是可行的。該無線電 頻率通訊介面使得用於最高級的使用者確認之非接觸式交 易成為可能。 在一較佳實施例中,該付款終端裝置具有資料處理裝 置’包括至少具有加密功能(cryptographic capability)之一 通訊處理器,用以將資料轉成密碼,以產生具有高度保密 性之賀料或建立一資料通訊。該加密功能可以具有不同的 升〉式’例如說(Data Encryption Standard, DES)、 (Rivest-Shamir-Adleman,RSA)等。以雙向的連接付款終端 衣置之加岔功能’可以被力目小到最小。為了避免被濫用, 介於付款終端機與付款中心之間之二頻道,該直接連接與 §亥連接透過該行動電話,可以被譯成密碼。一加密動作 1309025 :以被省掉1 —隨機鍵透過該二連接到付款終端機被傳 款終端裝置可以包括資料輸入裝置,例如 定銷隹點⑽:。雜盤允許使用者選擇預定的服務或指 rP0S):人、)終端機之金額。該輸入裝置可以與销售點 號碼^,作為—智細款終端機,= 以從事撥號碼給付款中心之— 如戈=::可 頻(DTMF)撥號,接著為交易所要H ^音多 付款中心到付款終端裝置或銷售點_^^接=為從 送了啟動所選擇的產品之放行。(S)之‘忍之傳 該付款終端裝置可以包括—印 如說,若該使用者有任何需要,用内建印表機’例 一確認收據。 W列印實際付款程序之 給使用者,例I:置J —顯示裝置,用以顯示訊息 田去4· 况’付秋私序不同的步驟,戋用以;^ -杜 結合:=作:款終端裝置。终端機可以與銷售點二) 端裝置話付款交㈣選擇,其只能夠從該付款終 如說再款終端裝置可Μ包括額外的通訊裝置,例 隨賴、1麵錄_,例如-公 卿STN)數據機、—整合服贿位網路 到兮相^ 1線數據減—GSM數據機,用以連接 相關網路以提供維護服務等。 I 2274 pit'| 1309025 較佳的是,該付款終端裝置,包括一介面到至少一銷 售點(POS)裝置。因此,一單一付款終端裝置可以與自動販 賣機之一號碼或其他等一起使用,以減少終端機所需之用 於極少使用之銷售點(POS)裝置之號碼。 依據本發明一銷售點(POS)裝置之另一方面,例如說, 具有如前所述之一整合式付款終端機之一自動販賣機被提 供。其中一極大之利益是,該介面到該自動販賣機可以被 省略。其第二利益是,一整合式付款終端裝置,可以較佳 的防止損壞與破壞。另一額外的利益是,現有的自動販賣 機與銷售點(POS)裝置,被聯結到一電源。這可以節省用於 該付款終端裝置一額外的電源,以及在安裝期間,該通訊 連結或第二通訊介面可以在安裝期間被聯結。 該付款終端裝置可以配備有一額外的連接到其他的電 腦系統,例如說一銷售點(P0 S)電腦系統或一付款協定伺服 器,一使用者行為資料庫,一維修伺服器,或類似的電腦 系統。 有許多的應用可以藉由本發明之付款終端裝置或銷售 點(POS)裝置被實施。本發明之可以被用於,例如說,用於 各種產品之自動販賣機,例如說飲料、食物、香煙、雜誌、、 保險套等。再者,公共的自助站,例如銷售點(70S)站,例 如說加油站、複印機、網際網路之接取、洗車、洗衣、自 動點唱機(jukeboxe)、合伙搭車(carpool)等可以使用本發明 之付款終端裝置。還有,可以使用本發明之各種票券購買 站,例如對於公車、火車、電影院等。用於各種商店之付 12274ρΗΊ 1309025 认授權與執行(EFTP〇s)、網路購物、電視購物與其他商 業而使用傳統付款方法來購買,例如說信用卡、銀行支 票、現金等,可以使用本發明之系統或付款終端裝置。 付款授權與執行具有額外的好處,例如說,香煙販賣 桟或酒類配售機可以使用本發明之付款終端裝置,用以依 據青少年保護法(laws for thepr〇tecti〇n 〇fy〇ung pc〇pk)進 行年齡確認。自動販賣機介面可以提供工業特定標準,例 如說MDB與執行者(executive)以及其本身的通訊協定 (Protocol),其可以被用以連接到特定裝置,例如說電子貨 毛收銀機(electronic cash register)、停車計時器(parking meters)、計程器(taximeters)等。 本發明之更佳的實施例在依附項中有提到。 為讓本發明之上述和其他目的、特徵、和優點能更明 顯易懂’下文特舉一較佳實施例,並配合所附圖式,作詳 細說明如下: 【實施方式】 第1圖繪示本發明之一實施例之系統,包括一付款中 心授權中心1(負責該交易之認證、授權與相關的付款與結 帳程序(payment and settlement procedure)之一實體),類似 使用於信用卡授權之授權中心,並且可以藉由資料通訊連 接6連接到其他金融訊息系統’例如說一銀行、一行動聲 音網路5或行動電話網路,例如說GSM網路,一行動電 話14以及一付款終端裝置1〇,該付款終端裝置1〇町以被 聯結到一使用者之行動電話14’以及透過一資料通訊連接 1309025 13被連接到一銷售點(POS)站或裝置26。 付款中心1包括通訊介面,用以連接該付款中心丨到 订動聲音網路5,一用戶資料庫用以儲存每一使用者相關 貪料’例如說,至少包括電話號碼、一相關的PIN碼與客 戶同意的付款方法,例如說,從信用卡,從銀行帳戶等, 被指定給每一使用者,以及選擇性地包括,例如說一全面 座各戶關係管理(Customer Relationship Management, jlM)、顧客的購買之全面的訊息、以及個人化的服務、 宣,等之可能性,以及選擇性地使用者的密碼,以及一交 ^面’,藉由該資料通訊連接6連接到一其他金融訊息 ^人Χ易介面可以藉由一雙向的資料連接被連接到該 :連外,一用戶資料庫可以藉由-資料通訊線, 被連接到父易介面以及到通訊介面。 付认終端裳置10包括資料 處理裝置11之介面fWlQ 衣置11連接到貝抖 雙向資料通訊線23或資料1連接係藉由—單向或 行資料連接。付款終端裝置^ ^如說’―序列或一平 載波,聯結到行動電話】、4 =音作為一訊息24之 腦系統或一通訊處理器,二、二处理装置,是基於一微電 13,向外連接到銷售^由資料通訊線或信號線 (request/rdease)機械裝置、j衣置、或—請求/放行 自動販賣機26、或類似或一鎖售點(P〇S)裝置單位、或 付款終端裝置1〇之介壯 接裝置20,用以連接士 衣19包括一數據機12與連 心保數據檣 成 到仃動電話14。連接裝置 1 2 2 7 4 p i Γ1 1309025 2〇可以使用-聲波聯結或使用麥克風17之—聲士 器’以使料音作為i波,以從接觸於或固定於&壯 =之聲波聯結器之行動電話14之_揚聲器叫妾收訊衣 能夠使用本發明之系統之使用者,需要 電話M,並且該使用者需在付款中心於= 人之-特定帳戶。較佳的是,該金額可以被計算到一電与 帳单或一預付金額中。該帳戶之設置基本上 與付款中心1之間之-協議,其中雙方需定義;二 數。該些參數包括-或多個行動電話號碼,例如說別 用戶身份(簡)卡號碼。其付款方法,例如說,包括現^ 帳、信用卡等。額外_加服務,包括可以增加雙方之^ 全性,例如說,交易限制、密碼/認證碼等。以及^外的附 加服務’包括可以增加使用者之靈活度,例如說,多個帳 戶等。該使用者可以改變其儲存於付款中心丨之一用戶^ 料庫之協議之參數,係透過付款中心丨所支援之使用者月 1 務、透過網際網路服務、無線應用通訊協定(WAp)與類似 的服務。該授權中心可以要求使用者或在其商業政策之架 構下,指定給每一使用者特別身份認證碼,當參與本發明 之糸統時,該認證碼其並不用於揭露該使用者之行動電話 號碼給其他有關的部門,並賦予使用者隱私之保護。 接著,當第1圖所發明的系統被使用時,一姐刑 款程序將被敘述。 土、、 在第一步驟,使用者於一出納處或使用該付款終端裝 12274pifl 20 1309025 置ίο之裝置決定購買。使用者使用其行動電話丨4,透過 έ玄動聲音網路5打電話28給付款中心1。 在第二步驟’付款中心1使用打電話者之身份以建立 亚決定是否該打電話者為該系統已註冊之使用者。若該認 也並不成功,該付款中心1終止使用者或行動電話14打來 之連接。 在如段所敘述成功的認證後,使用者被要求輸入其密 碼/認證碼’若該用戶參數在用戶資料庫(subscribers如比 baSe)内,需要求該使用者之認證。使用者藉由行動電話14 之一按鍵輸入該碼。在下一步驟’該付款中心丨檢查從行 動電話丨4透過行動聲音網路5收到的密碼/認證碼,並與 儲存方、用戶資料庫之密碼/認證碼比對。若該認證並不成功 (例如过所輸入的碼與資料庫中之碼無關),付款中心j 、'冬止錢接。若認證成功,付款中心丨指示使用者置入其 ^動電話Μ於付款終端裝置1〇之連接裝置之聲波聯結 益。該付款終端褒置可以顯示使用者訊息,例如說,在一 顯示裝置上,顯示出如何置人行動電話到聲波聯处哭。 付款中心丨透過藉由行動電㈣所建立 2 = 料或付款資料到付款中 乂易貝料可以被加碼,係藉由執 之侧之處理裝置丨1以及在付款中心丨 j10 能(cryPt〇gr_c咖丨丨)。處 ^之加也功 置10之側之交請^收衣置11控制付款終端裝 在下一步驟,付款中心1核對是否交易資料,與使用 1309025 者的帳戶(交易限制…)之詳細記栽有相_,並透過介 款中心1與付款終端機11之間之第二直接連接32,核 或拒絕該交易。若該交易藉由該付款中心丨被核准,今 款終端裝置10送出由該處理裝置丨1所產生之一信號 料,透過連接13到放行的機械裝置或銷售點(p〇s)終= 26、自動販賣麟,以放行該已付款之貨品、或核准^ 該些裝置所提供之-服務、或顯示〆核准訊息,若該銷隹 已由一售貨員所執行。 ° 綜上所述,付款終端襞置丨〇只包括一麥克風18。麥 克風18被用於接收從付款中心1來之一交易碼。該交易碼 被用以配對付款終端機資料與已從電話丨4被收集之使用 者資料。認證與付款授權透過一額外的通訊介面25被完 成,較佳的是無線的通訊介面,例如說高速分封數據服^务 (General Packet Radio Service,GPRS)或全球行動通訊服務 (UMTS),或透過一固定網路線,例如說整合服務數位網路 (ISDN),公眾交換電話網路(PSTN)或類似的方式。該終端 機包括一裝置以連接到一自動販賣機26,電子貨幣收銀機 (electronic cash register)或類似的需要付款授權的裝置。 該付款藉由使用者之電話14被啟動,一通到付款中心 1之電話建立了 28。在身份與付款裝置被選擇後,使用 者被指示要放置電話之喇叭16 (通常在電話聽筒之上端) 接近终端機之麥克風]8 (其可以被示意地繪示出)。同時 α亥中Q開始父易資料之傳輸,而其可以是隨機的(並且亦 可以被用作為加密/數位簽名之目的)。當終端機接收有效 1 2 2 7 4 p i r! 22 1309025 ^資=後其透過第一通訊介面25連接到中心1,並傳送 Γ ί資料以作為確5忍。此時中心' 1停止透過電言舌14傳送資 料並,始透過第二通訊頻道32進行付款授權。 、 第2圖為一示意圖,繪示使用一付款終端裝置之一系 、洗係依據本發明之另—實施例。第2圖之實施例基本上 f第1圖相同。如第!圖所示,付款終端襄置1〇之介面裝 到—數據機丨2與連接裝置2〇用以連接數據機丨2 仃力弘活14。在本實施例中,數據機12與揚聲哭π 一 起作為—聲波聯、结器。與第1圖之差異在於 '’連接裝置20 :::用揚耸器17使用一聲波聯結或一聲波聯結器,使用 耸曰作為一載波以傳送訊息到接觸於或固定於連接裝置 ^之器之行㈣話14之—麥克風丨5。因此該付 ^置二包括…刺幻7以取代麥克風18。此,,反相,設計 心=於付款m幻7到行動電話之麥克風15之 =資料傳輸之方向’取代從該行動電話到付款中心 到付ίΐ方向3卜該啦可以被肋從付款終端裝置】1 山、=中心1,傳达一非常相似的交易碼,其可以料紗终 =貧料與使^者咖ion資料。然而,在此設計中,使用 ^以(例如說,藉由按下一按紐)透過該剩口八盘放置,亥 麥克風(未繪示)(其位置可以顯著地從: 可二二改=其他形式)接近該•八,請求傳送資料。這 勃/ 兄,在付款終端裝置之-附近的感應哭來 在第2圖中之參考數字,在上述有關第2圖:= 未被提到者,皆是與第1圖中具有相同參考數字之元件 丨2274pin 23 1309025 所敘述之作用相同。 更需要注意的是’因為付款終端機可用於用於防止詐 欺(fraud protection),其能夠或隨意地選擇介於付款終端裝 置與行動電話之間之通訊方向,以提供額外的安全性。更 需要注意的是’本發明並不需要以任何方式修改該電話, 亦不需要處理除了聲音功能以外之任何訊息。在不需要個 人身份認證號碼(PIN)中唯一首要的解決方案即是電話或 所使用的行動電話網路之一網路身份認證能力。 更需要注意的是,本發明中所敘述之“數據機”,是敘 述用作為一调變器(modulator)/解調器(demodulator)之電子 元件、只用作為調變器之裝置以及只用作為解調器之裝 置。在本發明中,所敘述之數據機只有以一組敘述與一組 權力項被選擇以符合該些圖示之實施例之敘述。只使用調| 2 2 7 4 ρ ί ΓI 1309025 For the split-station transfer station (4) ay — n) Between the mobile power L cattle ^, ^ Ding mobile phone sales point (p〇s) device. In a second payment terminal, it is only for confirmation, the mobile phone is in the vicinity of the pin and the POS conversation, and in the second step, the point of sale (p(10) device transmits two,: for example, the child's selected product The price to the payment center 'j' < step 'm ' for example, 'by the user to enter the payment execution' the product is approved. Preferably, in order to make the sonic coupling suitable for different kinds of mobile phones 'The distance between the microphone and the dream is adjustable. In the preferred embodiment of the present invention, there are several additional options for the connection of the payment terminal to the mobile phone. First, the bitwise connection between the payment terminal and the mobile phone is through a wired device (wiredoption), wherein the connecting device has an electronic plug connection device for electrically connecting to one of the mobile phones. Connection benefit, the exchange of information or voice data between the mobile phone and the connection device in the form of an electronic signal. The plug connection device can have a plurality of different plug connectors for connecting Different types of plug connectors for different types of mobile phones. The plug connector can be permeable, for example, 'multi pul1 out wire rack with one of the automatic winding mechanisms' A refueling pump is obtained. Other linkages between the payment terminal and the second option' include infrared radiation (IR) communication, wherein the payment terminal connection device or interface device includes one The infrared interface communicates with the infrared interface associated with the mobile phone I 2 274 pifl 1309025, exchanging messages or voice data messages between the payment terminal and the mobile phone in the form of an infrared signal. This is in all the latest, for example It is feasible to have an IrDA interface mobile phone. This option makes it possible to have a higher data rate and shorter transaction time. Another good connection between the payment terminal and the second option, including the radio. Radio frequency (RF) communication in which a connection device or interface device of a payment terminal includes a radio frequency interface Communicates with a radio frequency interface associated with a mobile phone, exchanging messages or trumpet information between the payment terminal and the mobile phone in the form of a radio frequency signal. Bluetooth (Bluet00th) and wireless local area network (wirdess) Local Area Network, WLAN) 'For example, 'This area is standard, however, other radio frequency communication protocols are possible. This radio frequency communication interface enables contactless transactions for the highest level of user confirmation. In a preferred embodiment, the payment terminal device has a data processing device 'including at least one communication processor having a cryptographic capability for converting the data into a password to generate a highly confidential gift or Establish a data communication. The encryption function may have different values such as Data Encryption Standard (DES), (Rivest-Shamir-Adleman, RSA), and the like. The two-way connection payment terminal, the charging function of the clothing, can be minimized. In order to avoid being abused, the two channels between the payment terminal and the payment center can be translated into a password through the mobile phone through the mobile phone. A cryptographic action 1309025: The device can be included in the transmission terminal device by means of the omitting 1 - random key through the two connections to the payment terminal, such as a data entry device (10):. The disk allows the user to select the predetermined service or the amount of rP0S): person, terminal. The input device can be used with the point of sale number ^ as the terminal for the smart phone, = to dial the number to the payment center - such as Ge =:: DTMF dialing, and then pay for the exchange The center-to-payment terminal device or point of sale _^^= is the release of the product selected from the delivery. (S) The 'transfer terminal device' may include, for example, if the user has any need, use the built-in printer to confirm the receipt. W print the actual payment program to the user, Example I: Set J - display device to display the message field to 4 · condition 'Fuqiu private order different steps, use; ^ - Du combination: = for: Terminal device. The terminal can be exchanged with the point-of-sale (2) terminal, and can only be selected from the payment terminal, and the terminal device can include additional communication devices, such as singularly, 1 _, for example, Gongqing STN The data machine, the integrated service bribe network to the ^ phase ^ 1 line data reduction - GSM data machine, used to connect to the relevant network to provide maintenance services. I 2274 pit'| 1309025 Preferably, the payment terminal device includes an interface to at least one point of sale (POS) device. Thus, a single payment terminal device can be used with one of the vending machines or the like to reduce the number of point-of-sale (POS) devices required for the terminal to be used. According to another aspect of a point of sale (POS) device in accordance with the present invention, for example, a vending machine having one of the integrated payment terminals as described above is provided. One of the great benefits is that the interface to the vending machine can be omitted. The second advantage is that an integrated payment terminal device can better prevent damage and damage. Another added benefit is that existing vending machines and point-of-sale (POS) devices are coupled to a power source. This can save an extra power supply for the payment terminal device, and during installation, the communication link or the second communication interface can be coupled during installation. The payment terminal device can be equipped with an additional connection to other computer systems, such as a point-of-sale (POSS) computer system or a payment agreement server, a user behavior database, a service server, or the like. system. There are many applications that can be implemented by the payment terminal device or point of sale (POS) device of the present invention. The present invention can be applied, for example, to vending machines for various products such as beverages, food, cigarettes, magazines, condoms and the like. In addition, public self-service stations, such as point-of-sale (70S) stations, such as gas stations, copiers, internet access, car wash, laundry, jukeboxe, carpool, etc. can be used. The payment terminal device of the invention. Also, various ticket purchasing stations of the present invention can be used, such as for buses, trains, movie theaters, and the like. It can be used for various stores to pay for 12274ρΗΊ 1309025 authorization and execution (EFTP〇s), online shopping, TV shopping and other businesses using traditional payment methods, such as credit cards, bank checks, cash, etc. System or payment terminal device. Payment authorization and enforcement have the added benefit that, for example, a cigarette vendor or a liquor dispenser can use the payment terminal device of the present invention in accordance with the law for juvenile protection (laws for the pr〇tecti〇n 〇fy〇ung pc〇pk) Confirm the age. The vending machine interface can provide industry-specific standards, such as MDBs and executives, as well as its own protocol, which can be used to connect to specific devices, such as electronic cash registers. ), parking meters, taximeters, etc. A more preferred embodiment of the invention is mentioned in the dependents. The above and other objects, features, and advantages of the present invention will become more <RTIgt; </ RTI> <RTIgt; </ RTI> <RTIgt; </ RTI> <RTIgt; </ RTI> <RTIgt; A system in accordance with an embodiment of the present invention includes a payment center authorization center 1 (an entity responsible for authentication, authorization, and related payment and settlement procedures of the transaction), similar to an authorization for credit card authorization Center, and can be connected to other financial information systems by means of a data communication connection 6 such as a bank, a mobile voice network 5 or a mobile telephone network, such as a GSM network, a mobile telephone 14 and a payment terminal device 1 That is, the payment terminal device 1〇町 is connected to a point-of-sale (POS) station or device 26 via a mobile phone 14' coupled to a user and via a data communication connection 1309025 13. The payment center 1 includes a communication interface for connecting the payment center to the subscription sound network 5, and a user database for storing each user's related information, for example, including at least a telephone number and an associated PIN code. A payment method agreed with the customer, for example, from a credit card, from a bank account, etc., is assigned to each user, and optionally includes, for example, a customer relationship management (jlM), customer The comprehensive information of the purchase, as well as the possibility of personalized service, announcement, etc., and the password of the selective user, as well as a contact', connected to a other financial message via the data communication link^ The human interface can be connected to this by a two-way data connection: a user database can be connected to the parent interface and to the communication interface by means of a data communication line. The terminal device 10 includes a data processing device 11 interface fWlQ. The clothing device 11 is connected to the Bayer. The two-way data communication line 23 or the data 1 connection is connected by one-way or one-way data. Payment terminal device ^ ^ such as '-sequence or a flat carrier, coupled to a mobile phone', 4 = tone as a message 24 brain system or a communication processor, two or two processing devices, based on a micro-power 13, to Externally connected to the sales unit by means of a data communication line or signal line (request/rdease) mechanical device, j clothing, or - request / release vending machine 26, or similar or a lock point (P〇S) device unit, or The payment terminal device 1 is connected to the Shiyi 19, and includes a data machine 12 and a connection data to the mobile phone 14. Connecting device 1 2 2 7 4 pi Γ1 1309025 2〇 You can use - sonic coupling or use the microphone 17's sounder's to make the material sound as i wave to contact or fix the sound wave coupling with & The mobile phone 14 is a speaker who can use the system of the present invention, requires the phone M, and the user needs to be in the payment center at the person-specific account. Preferably, the amount can be calculated into an electricity bill or a prepaid amount. The setting of this account is basically the agreement between the payment center 1 and the two parties. These parameters include - or multiple mobile phone numbers, such as a different user identity (simple) card number. The payment method, for example, includes the current account, credit card, and the like. Additional _ plus services, including the ability to increase the integrity of both parties, such as transaction restrictions, passwords / authentication codes. And the additional services outside the 'include' can increase the flexibility of the user, for example, multiple accounts. The user can change the parameters of the agreement stored in one of the payment centers of the payment center, through the user's monthly service supported by the payment center, through the Internet service, and the Wireless Application Protocol (WAP). Similar services. The authorization center may require the user or a special identity authentication code for each user under the framework of its business policy. When participating in the system of the present invention, the authentication code is not used to disclose the mobile phone of the user. The number is given to other relevant departments and the user is protected by privacy. Next, when the system invented in Fig. 1 is used, the sister's sentence procedure will be described. In the first step, the user decides to purchase at a cashier's office or by using the payment terminal to install 12274pifl 20 1309025. The user uses his mobile phone 丨4 to make a call 28 to the payment center 1 via the έ 动 动 动 网络 网络 网络. In the second step, the payment center 1 uses the identity of the caller to establish a decision as to whether the caller is a registered user of the system. If the confirmation is not successful, the payment center 1 terminates the connection made by the user or the mobile phone 14. After successful authentication as described in the paragraph, the user is required to enter his password/authentication code'. If the user parameter is in the user database (subscribers such as baSe), the user's authentication is required. The user inputs the code by pressing one of the mobile phones 14. In the next step, the payment center checks the password/authentication code received from the mobile phone 丨4 through the mobile voice network 5 and compares it with the password/authentication code of the storage party and the user database. If the authentication is not successful (for example, the code entered is not related to the code in the database), the payment center j, 'winter money. If the authentication is successful, the payment center instructs the user to place the sonic connection benefit of the connected device of the payment terminal device. The payment terminal device can display a user message, for example, on a display device, showing how to place a mobile phone to the sonic joint to cry. The payment center can be overweighted by the establishment of the 2 = material or payment data by the mobile power (4), which can be overweight by the processing device on the side of the transaction and the payment center (cryPt〇gr_c) Curry). The location of the ^ is also added to the side of the 10th please ^ 收衣置11 control payment terminal installed in the next step, the payment center 1 check whether the transaction information, and the use of 1309025 account (transaction limit...) detailed record Phase_, and through the second direct connection 32 between the payment center 1 and the payment terminal 11, the transaction is rejected or rejected. If the transaction is approved by the payment center, the terminal device 10 sends out a signal material generated by the processing device ,1, through the connection 13 to the released mechanical device or point of sale (p〇s) final = 26 And sell the goods in order to release the goods that have been paid, or to approve the services provided by the devices, or to display the approval information, if the sales have been performed by a salesperson. ° In summary, the payment terminal device only includes a microphone 18. The microphone 18 is used to receive a transaction code from the payment center 1. The transaction code is used to match the payment terminal information with the user data that has been collected from the telephone number 4. Authentication and payment authorization is done through an additional communication interface 25, preferably a wireless communication interface, such as the General Packet Radio Service (GPRS) or Global Mobile Communications Service (UMTS), or through A fixed network route, such as an Integrated Services Digital Network (ISDN), Public Switched Telephone Network (PSTN) or the like. The terminal includes a means for connecting to a vending machine 26, an electronic cash register or similar device requiring payment authorization. The payment is initiated by the user's phone 14, and a call to the payment center 1 is established 28. After the identity and payment device is selected, the user is instructed to place the phone's speaker 16 (usually at the top of the handset) near the terminal's microphone] 8 (which may be schematically depicted). At the same time, α Haizhong Q begins the transmission of the parental data, which can be random (and can also be used for the purpose of encryption/digital signature). When the terminal receives the valid 1 2 2 7 4 p i r! 22 1309025, it connects to the center 1 through the first communication interface 25, and transmits the data to be 5. At this time, the center '1 stops transmitting the information through the voice tongue 14 and starts to perform the payment authorization through the second communication channel 32. Figure 2 is a schematic diagram showing the use of a payment terminal device and a washing system in accordance with another embodiment of the present invention. The embodiment of Fig. 2 is basically the same as Fig. 1 . As the first! As shown in the figure, the interface of the payment terminal is installed to the data machine 丨 2 and the connection device 2 连接 for connecting the data machine 丨 2 弘力弘活14. In the present embodiment, the data machine 12 acts as a sonic wave junction and a knotter together with the sound of the sound. The difference from Fig. 1 is that ''connecting device 20::: using a sound wave coupling or a sound wave coupling with the towerer 17, using the tower as a carrier to transmit a message to contact or fix to the connecting device Trip (4) Word 14 - Microphone 丨 5. Therefore, the second set includes ... Phantom 7 to replace the microphone 18. This, inverting, design heart = in the payment m illusion 7 to the mobile phone's microphone 15 = the direction of data transmission 'replaces from the mobile phone to the payment center to pay ΐ direction 3 Bu can be ribbed from the payment terminal device 】 1 mountain, = center 1, convey a very similar transaction code, which can be the final yarn = poor material and the information. However, in this design, use ^ to (for example, by pressing a button) to place through the remaining eight disks, the microphone (not shown) (the position can be significantly changed from: can be changed two or two = Other forms) close to the eight, requesting the transfer of information. This Bob / brother, in the vicinity of the payment terminal device, cries the reference number in Figure 2, in the above related picture 2: = not mentioned, all have the same reference number as in Figure 1 The components described in 2742274pin 23 1309025 have the same effect. It is more important to note that because the payment terminal can be used to prevent fraud protection, it can or can choose the direction of communication between the payment terminal device and the mobile phone to provide additional security. It should be noted that the present invention does not require modification of the phone in any way, nor does it require processing any message other than the sound function. The only primary solution in the absence of a Personal Identification Number (PIN) is the telephone or one of the mobile phone networks used for network authentication. It should be noted that the "data machine" described in the present invention describes an electronic component used as a modulator/demodulator, a device used only as a modulator, and only used. As a device for the demodulator. In the present invention, the described data machine is only described in terms of a set of statements and a set of rights to conform to the embodiments of the figures. Use only tune
變器之裝置或只使用解調器之裝置之付款裝置亦落在本發 明之權力項範圍内。 X 、雖然本發明已以一較佳實施例揭露如上,然其並非用 以限定本發明,任何熟習此技藝者,在不脫離本發 犯圍3,當可作些許之更動與潤飾,因此本發明之保 =範圍當视後附之+料利範_界定者為準。 ’、 【圖式簡單說明】 乐1圖為一示意圖,繪示使用一付款終端裝置之—汽 統依據本發明之—較佳實施例,以及 第2圓為一示意圖,繪示使用一付款終端裝置之—么 統,係依據本發明之另—實施例。 不 1309025 【主要元件符號說明】 1 :付款中心授權中心 5:行動聲音網路 6、13 :資料通訊連接 10:付款終端裝置 11 :資料處理裝置 12 :數據機 13 :連接 14 :行動電話 15、17、18 :麥克風 16 :揚聲器 19 :介面裝置 20 :連接裝置 23 :資料通訊線 24 :訊息 25 :通訊介面 26 :銷售點(POS)站或裝置 2 8 .打電話 30 :傳送 31 :傳輸方向 32 :第二直接連接 12 2 7 4 pmA device of a transformer or a payment device using only a device of a demodulator is also within the scope of the invention. X, although the invention has been disclosed above in a preferred embodiment, it is not intended to limit the invention, and anyone skilled in the art can make some modifications and retouching without departing from the invention. The scope of the invention = the scope of the attached product is subject to the definition. ', [Simple description of the drawing] Le 1 is a schematic diagram showing the use of a payment terminal device - the steam system according to the present invention - the preferred embodiment, and the second circle is a schematic diagram showing the use of a payment terminal The device is a further embodiment according to the invention. No 1309025 [Description of main component symbols] 1 : Payment Center Authorization Center 5: Mobile Voice Network 6, 13: Data Communication Connection 10: Payment Terminal Device 11: Data Processing Device 12: Data Machine 13: Connection 14: Mobile Phone 15, 17, 18: Microphone 16: Speaker 19: Interface device 20: Connection device 23: Data communication line 24: Message 25: Communication interface 26: Point of sale (POS) station or device 2 8. Call 30: Transmission 31: Transmission direction 32: Second direct connection 12 2 7 4 pm
Claims (1)
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
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TW92126296A TWI309025B (en) | 2003-09-24 | 2003-09-24 | Payment terminal device for payment data exchange |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
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TW92126296A TWI309025B (en) | 2003-09-24 | 2003-09-24 | Payment terminal device for payment data exchange |
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Publication Number | Publication Date |
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TWI309025B true TWI309025B (en) | 2009-04-21 |
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Family Applications (1)
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TW92126296A TWI309025B (en) | 2003-09-24 | 2003-09-24 | Payment terminal device for payment data exchange |
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TW (1) | TWI309025B (en) |
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2003
- 2003-09-24 TW TW92126296A patent/TWI309025B/en not_active IP Right Cessation
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