TWI390460B - System and method for mobile payment - Google Patents

Description

Mobile payment system and method

The invention relates to a payment system and method, in particular to a billing information represented by a two-dimensional barcode image, or a billing information transmitted by a short message signal into a bar code representing a billing information. Imagery, an action-based payment system and method for collection of receivables.

Based on the consideration of environmental awareness, most of the existing banks and telecom operators use the method of sending electronic bills to reduce operating costs and achieve environmental protection. However, most people still like to get the bill and go directly to the convenience store. paragraph. Under this circumstance, the public still has to print a bill of paper with a one-dimensional bar code. The bank only passes the printing cost to the people, so that it still cannot effectively achieve the original environmental protection purpose.

In addition, banks are also reluctant to provide any guarantee for the delivery of e-bill mail. Therefore, if the consumer does not receive the e-bill email and the consumer misses the payment period, the banker will not be held responsible. In order to achieve the paperless use of electronic bills and the payment habits of the general public, you can actually use your mobile device or mobile phone as a carrier for electronic billing/electronic billing.

For example, a three-stage bar code acceptable to the convenience store can be directly generated on the screen of the mobile phone, so that the public can conveniently pay the bill to the nearby convenience store counter after collecting the bill information. However, due to past action points, the ubiquitous screen is too small and the resolution is not enough, making the reticle bar code used by the convenience store. The machine cannot recognize the barcode.

In this regard, the industry can only propose other identification devices and methods, such as the Republic of China Patent Publication No. I284845 "Identification System Based on Reading of Multiple One-Dimensional Bar Codes for PDA/Mobile Phone Images" (hereinafter referred to as "the '845 Patent Case" The way to capture a one-dimensional bar code image on a mobile phone screen using a CCD camera, an image capture card, and a processing device at the back end. After the shooting is completed, the one-dimensional barcode image is transmitted to the processing device at the back end to find a one-dimensional barcode position, parse the one-dimensional barcode code, and apply to the identification.

In the '845 patent, a device and method for how a user can download or self-enter data on a mobile phone to generate a one-dimensional bar code image and back-end processing of a one-dimensional bar code on a mobile phone screen is specifically described. This method is mainly applied to the identification of the purchaser after the purchase behavior, and is not suitable for the convenience store to use the existing reticle type barcode scanner to scan the bill on the mobile phone screen to complete the payment with a three-stage barcode. Billing application.

In addition, the "Electronic Barcode Service System and Method" (hereinafter referred to as "the '659 Patent Case") of the Republic of China Patent Publication No. 504659 describes a method of receiving and displaying an electronic bar code on a mobile phone, and a description of the patent document is shown in FIG. The mobile phone can immediately display the graphic on the mobile phone screen after receiving the electronic barcode graphic data. Under this premise, if you receive 2D barcode graphic data, you can only display 2D barcode image. However, if you want the barcode content of the electronic barcode, you need to use the mobile phone according to the description of the '659 patent. Another interpretation module.

In other words, in the '659 patent case, the electronic bar code graphic on the screen must be captured and the code of the electronic bar code must be analyzed. Therefore, it is not applicable to the document message receiving the electronic bill to generate the three-segment bar. Code image, or read the electronic bill 2D barcode image to generate a three-segment barcode image.

However, in recent years, mobile phone operators have introduced smart mobile phones with large-size screens. In the smart models of these large-size screens, not only have higher resolution, but also better computing speed and stronger computing. Features. Therefore, the feasibility of collecting and displaying billing information on a mobile phone and displaying a three-stage bar code that can be read by a reticle type bar code on a mobile phone screen is also increased.

For example, in the Republic of China Patent Publication No. 200512625, "Methods and Systems for Completing Electronic Account Payment by Mobile Communication Equipment" (hereinafter referred to as the 625' patent case), a method for completing electronic payment by mobile communication device is disclosed. And a system comprising a billing server and a billing terminal reading and processing device, the method first transmitting, by the billing server, at least one billing information (including at least one billing bar code, hereinafter referred to as "accounting" In the mobile communication device, the user terminal carries the mobile communication device to a charging terminal, such as a bank or a convenience store, and reads the accounting barcode by the charging end account reading and processing device. The charging end can perform a transaction transaction with the user terminal, generate at least one transaction completion information, and then transmit the information to the accounting server to complete the transaction of the accounting payment.

In the 625' patent, it is disclosed that the accounting server transmits at least one accounting information (including at least one accounting barcode); however, since the accounting barcode is transmitted in the form of a one-dimensional barcode image, and The specifications of the one-dimensional bar code image do not necessarily match the image specifications that can be displayed on the display. Therefore, there are still two serious cases: "One-dimensional bar code image is distorted by specification adjustment" and "One-dimensional bar code image is beyond the boundary of the display". problem.

In order to present the above two problems more clearly, the following will be A more explicit explanation is given in conjunction with the drawing. First, please refer to the first figure and the second figure. The first figure shows a schematic diagram of a mobile phone display receiving a (three-segment) one-dimensional bar code image in the prior art; the second picture shows a When the specification of the barcode image is smaller than the display range of the display, the one-dimensional barcode image is automatically scaled up to match the display range of the display.

As shown in the first figure and the second figure, when one (three-segment) one-dimensional bar code image PA11 is received by one of the display phones PA1, a one-dimensional bar code image PA11 is displayed, wherein the one-dimensional bar code image PA11 The first segment barcode image PA111, a first segment billing data PA112, a second segment barcode image PA113, a second segment billing data PA114, a third segment barcode image PA115 and a third segment Billing information PA116.

Since the (pixel) specification of the one-dimensional barcode image PA11 is smaller than the display range (pixel) of the display PA1, the display PA1 scales the one-dimensional barcode image PA11 into another (three-segment) one-dimensional barcode image PA11'. And matching the one-dimensional barcode image PA11' with the display range of the display PA1. However, since the one-dimensional barcode image PA11 is automatically scaled up to the one-dimensional barcode image PA11', the first segment barcode image PA111, the first segment billing data PA112, the second segment barcode image PA113, and the second The segment billing information PA114, the third segment barcode image PA115 and the third segment billing data PA116 are also synchronously scaled into a first segment barcode image PA111' and a first segment bill data PA112'. a second segment barcode image PA113', a second segment billing information PA114', a third segment barcode image PA115' and a third segment billing data PA116', such that the bank is located at the collection end (such as a bank or Convenience store) The photomask type 1D barcode machine cannot correctly interpret the bill data represented by the 1D barcode image PA11'.

In addition, regarding the second problem mentioned above (that is, "the problem that the one-dimensional barcode image exceeds the boundary that the display can display", please refer to the third figure. In the third figure, it is shown that when the continuous display displays a horizontal one-dimensional barcode image, the one-dimensional barcode image is beyond the boundary that the display can display. As shown in the third figure, all the descriptions about the one-dimensional bar code image PA11 in the first figure are inherited, because in most cases, the image transposition software is not built in the mobile phone to which the direct display PA2 belongs. Therefore, when the horizontal display PA2 displays the aforementioned horizontal bar code image PA11, it is likely that part of the bar code image PA11 is beyond the range that the straight display PA2 can display.

In the third figure, since part of the image of the second segment barcode image PA113 and the third segment barcode image PA115 has exceeded the range that the straight display PA2 can display; therefore, it is located at the collection end (such as a bank or a convenience store). The photomask type one-dimensional barcode machine cannot understand the bill data represented by the complete one-dimensional barcode image PA11. Further, even if the dimensional barcode image PA11 can be scaled down to the range that can be displayed by the direct display PA2, the above-mentioned "one-dimensional barcode image is tuned by specification adjustment".

In order to realize the expectation of using this paperless paperless service, and to solve the problems of the prior art mentioned above (especially "one-dimensional bar code image is distorted by specification adjustment" and "one-dimensional bar code image is beyond the boundary of the display" Waiting for two serious problems), the inventor of this case believes that it is necessary to combine the equipment specifications, operation procedures and the general public's payment habits of the current convenience store, so as to develop a kind of one that can be affected by the two problems and can be smoothly collected. Mobile payment technology for end-of-contribution payments.

In view of the fact that in the bill payment service technology provided by the prior art, there are two serious problems such as "one-dimensional barcode image is distorted by specification adjustment" and "one-dimensional barcode image exceeds the boundary that can be displayed on the display". The main object of the invention is to provide a mobile payment system and method, and to enable one of the mobile payment electronic communication devices in the mobile payment system to display a bar code image representing one of the billing data.

Another object of the present invention is to provide a mobile payment system and method, and to enable a mobile payment electronic communication device in the mobile payment system to retrieve a two-dimensional barcode image representing the bill data, thereby displaying the representative account. One-dimensional bar code image.

Another object of the present invention is to provide a mobile payment system and method, and to enable one of the mobile payment electronic communication devices in the mobile payment system to receive a short message signal carrying the representative bill data, thereby displaying Represents one of the billing data dimensions of the bar code image.

The technical means adopted by the present invention to solve the problems of the prior art provides a mobile payment system and method for generating a two-dimensional barcode image generated according to the billing data of the bill, or a short message signal according to the billing data. And generate a one-dimensional barcode image for a generation of receiving end reading, and for the receiving end to collect the bill according to the billing data. The mobile payment system includes a remote management subsystem and a mobile payment electronic communication device. The remote management subsystem provides 2D barcode images for mobile payment electronic communication devices to capture or send SMS messages The signal is received by the mobile payment electronic communication device. The mobile payment electronic communication device decodes or receives the short message signal to obtain the bill data, encodes the bill data and generates the one-dimensional barcode, and displays the one-dimensional barcode image for the receiving end to read. .

The mobile payment electronic communication device comprises a two-dimensional barcode decoder, a signal transceiver, a one-dimensional barcode encoder and a display. The two-dimensional barcode decoder decodes the two-dimensional barcode image to transmit billing data; the signal transceiver receives the short message signal to obtain billing data; and the one-dimensional barcode encoder encodes the bill data. And generate a one-dimensional bar code; the display system displays a one-dimensional bar code image for the receiving end to read.

Preferably, in the preferred embodiment of the present invention, the mobile electronic communication device further comprises a memory unit, and the memory unit has a code format memory area for recording a plurality of usable bar code formats and formats of the bar code contents set therein. agreement. In addition, the above-mentioned mobile item inventory electronic communication device itself may be a mobile phone, a Personal Digital Assistant or a Mobile Internet Device (MID) device.

Compared with the conventional bill payment technology, since the mobile payment electronic communication device itself has a one-dimensional barcode encoder in the mobile payment system provided by the present invention, it can be based on the display range and form of the display (straight type Or horizontally, the billing data is encoded, and the one-dimensional barcode and the corresponding one-dimensional barcode image are generated. Therefore, the above-mentioned "one-dimensional barcode image is distorted by specification adjustment" and "one-dimensional" can be effectively solved. The problem that the barcode image is beyond the boundary that the display can display, so that the user (user) can collect the collection more smoothly and conveniently. The end (such as financial institutions and convenience stores) complete the payment of the accounts.

In addition, in the present invention, the mobile payment electronic communication device itself stores a plurality of barcode formats, and thus can be simultaneously applied to decoding two-dimensional barcodes of a plurality of formats, and encoding a plurality of one-dimensional barcodes, thereby expanding the application range thereof.

The specific embodiments of the present invention will be further described by the following examples and drawings.

In the mobile payment system and method provided by the present invention, the mobile payment electronic communication device can capture a two-dimensional barcode image generated by billing a billing bill, or receive a transfer bill. After the billing information of the billing information, the billing information is parsed, and a one-dimensional bar code image is generated for the user to pay the bill to the billing party; and the related combination implementation method is also numerous. Therefore, it will not be repeated here, and only one of the preferred embodiments and two preferred applications thereof will be specifically described.

Please refer to the fourth figure, which is a block diagram of the system shown in the preferred embodiment of the present invention. As shown, a mobile payment system 100 includes a mobile payment electronic communication device (hereinafter referred to as "contributory electronic communication device") 1 and a remote management subsystem 2. The payment electronic communication device 1 is configured to retrieve at least one billing data of at least one bill transmitted by the remote management subsystem 2, thereby generating at least one barcode image representing the billing data for one generation End 3 reads, and the collection end collects one of the bills according to the billing data. The payment electronic communication device 1 includes a processing unit 11, a display unit 12, an operation interface 13, a memory unit 14, and an image capture unit 15 (which may be a charge coupled device (CCD)). A two-dimensional barcode decoder 16, a bill management module 17, a one-dimensional barcode encoder 18 and a signal transceiver 19.

The display unit 12 is electrically connected to the processing unit 11 and displays a working window 121. The operation interface 13 is electrically connected to the processing unit 11 for the user to input an operation signal S1 with reference to the content displayed on the working window 121, thereby performing the operations of the payment electronic communication device 1 described below. The memory unit 14 is electrically coupled to the processing unit 11 and includes a code format memory area 141, a two-dimensional barcode memory area 142, a bill data storage area 143, and a one-dimensional barcode memory area 144. The bar code format memory area 141 records a plurality of usable bar code formats in accordance with the format of the bar code content set. Preferably, the plurality of bar code formats can simultaneously include a plurality of two-dimensional bar code formats (eg, Quick Code, QR Code). , Data Matrix, PDF417 and other four-dimensional barcode format) and one-dimensional barcode format.

The image capturing unit 15 is electrically connected to the processing unit 11 . The two-dimensional barcode decoder 16 is electrically connected to the processing unit 11 and the image capturing unit 15 respectively, and a decoding program 161 is built in. The bill management module 17 is electrically connected to the processing unit 11 and includes a management program 171 and a data protection unit 172. The one-dimensional barcode encoder 18 and the signal transceiver 19 are electrically coupled to the processing unit 11, wherein the code encoder 181 is built in the dimension barcode encoder 18.

The remote management subsystem 2 includes a billing database 21, a remote server 22 and a remote signal transceiver 23. The billing database 21 and the remote signal transceiver 23 are electrically connected to the remote server 22, respectively, and the billing database 21 stores the billing data of the plurality of bills. The receiving end 3 includes a generation receiving processor 31, a one-dimensional bar code reader 32, a generation receiving display 33 and a payment voucher printing device 34. The barcode reader 32, the collection display 33 and a payment certificate printing device 34 are electrically connected to the collection processor 31, respectively.

As shown in the fourth figure, in the first application example of the preferred embodiment of the present invention, the remote server 22 is coupled to an Internet 4 to transmit a two-dimensional barcode image using the Internet 4, and The two-dimensional bar code image transmitted by the end server 22 represents the billing data of the bill. When the remote server 22 is connected to a client server 5 via the Internet 4, an email can be transmitted to an email mailbox 51 located in the server 5 of the client. Then, the user can operate a network terminal 6 to connect the network terminal 6 to the server 5 to log in to the email box 51. After logging in to the email box 51, the captured two-dimensional barcode image 611 can be displayed on a display 61 of the network terminal 6.

In addition, when the remote server 22 is connected to a web server 5 via the internet 4, the two-dimensional barcode image can be transmitted to the web server 7 via the internet 4. Then, the user can operate a network terminal 6 to connect the network terminal 6 to the web server 7, thereby displaying the captured two-dimensional barcode image 611 on the display 61 of the network terminal 6.

Next, while referring to the fourth figure, please refer to the fifth figure, which shows a schematic diagram of a main function menu displayed in the working window in the preferred embodiment of the present invention. As shown, when the user operates the payment electronic communication device 1 using the operation interface 13, the work window 121 is displayed on the display 12, and the main function menu 1211 is displayed in the work window. The main function menu 1211 displays a format setting option map/text box 1211a, a code reading option picture/text box 1211b, a display data option picture/text box 1211c, and a management data option picture/text box 1211d. In the embodiment, the figure/frame refers to a text box, a function image frame or a combination thereof.

When the main function menu 1211 is displayed in the working window 121, the user can select the main function menu in the working window 121 via the operation interface 13 1211 selects a format setting option map/frame 1211a, and selects one of the plurality of barcode formats from the plurality of barcode formats via the operation interface 13 (preferably selected from the above four two-dimensional barcode formats). If not selected, the preset barcode format is used, or the decoding program 161 and the encoding program 181 automatically retrieve the barcode format from the barcode format memory area 141 to try to decode and encode.

After the barcode format is selected and the barcode content format agreement is set, the barcode reading option/text frame 1211b can be selected by using the operation interface 13 in the main function menu 1211 of the working window 121, thereby utilizing the image capturing unit. 15 begins to capture the two-dimensional barcode image 611, and the captured two-dimensional barcode image 611 is transmitted to the processing unit 11 and the two-dimensional barcode decoder 16, respectively. The two-dimensional barcode image 611 transmitted to the processing unit 11 is transferred to a two-dimensional barcode memory area 142 in the memory unit 14 for storage. In practical applications, the two-dimensional barcode memory area 142 can store multiple billing data at the same time.

The two-dimensional barcode image 611 transmitted to the two-dimensional barcode decoder 16 is decoded by the decoding program 161 in accordance with the selected barcode format to generate billing data corresponding to the bill. The billing information is transmitted to the processing unit 11, and after receiving the billing data, the processing unit 11 processes the billing data and transmits the processed billing data to the billing data storage area 142 of the memory unit 14. Save it.

Next, while referring to the fourth figure, please refer to the sixth figure, which is shown in the preferred embodiment of the present invention, the working window can display a schematic diagram of the display data sub-window. As shown in the figure, when the user can select the display material option map/text box 1211c in the main function menu 1211 of the working window 121 by using the operation interface 13, the work window 121 displays a display data sub-window 1212. In the display data sub-window 1212, there is a two-dimensional barcode image display area 1212a, a user data display area 1212b, a bill unit display area 1212c, A payable amount display area 1212d and a payout period display area 1212e.

At this time, the processing unit 11 extracts billing information such as a two-dimensional barcode image, a user data, a billing unit, an amount payable, and a payment deadline from the two-dimensional barcode image storage area 142 and the bill data storage area 143, respectively. And displayed in the two-dimensional barcode image display area 1212a, the user data display area 1212b, the bill unit display area 1212c, the payable amount display area 1212d, and the payment deadline display area 1212e.

Next, while referring to the first figure, please refer to the seventh figure, which is shown in the preferred embodiment of the present invention, and the working window can display a schematic diagram of a management data sub-window. As shown in the figure, when the user can use the operation interface 13 to select the management data option map/text box 1211d in the main function menu 1211 of the working window 121, the working window 121 displays a management data sub-window 1213 in the management data sub-window. The 1213 has a management condition display area 1213a, a data display area 1213b and a display barcode function option 1213c.

In addition, the user can set management conditions (such as: payment deadline order, bill amount size order, or bill unit order) to utilize the management program 171 of the bill management module 17 to bill the billing data storage area 142. The data is managed, and the set management conditions are displayed in the management condition display area 1213a. All billing data that meets the management conditions will be displayed in the data display area 1213b. In addition, in order to prevent the billing data from being abnormally falsified, the data protection unit 172 of the bill management module 17 can protect the billing data stored in the billing data storage area 142 by permission setting, identity authentication or other means.

The user can select at least one of the billing materials displayed in the data display area 1213b, and then select the display barcode function option. 1213c, the selected billing data is transmitted to the one-dimensional barcode encoder 18. At this time, the encoding program 181 of the one-dimensional barcode encoder 18 encodes the billing data, thereby generating one dimension corresponding to the billing data. The barcode and its one-dimensional barcode image 1214 (labeled in the eighth diagram). The generated one-dimensional barcode image 1214 is transmitted to one of the memory barcodes 14 of the memory unit 14 for storage; meanwhile, the generated one-dimensional barcode image 1214 is also displayed in the working window 121.

Referring to the eighth figure, it is shown in the preferred embodiment of the present invention that the working window can display a three-segment one-dimensional barcode image. As shown in the eighth figure, when the one-dimensional barcode image 1214 is generated as a three-segment one-dimensional barcode image, the one-dimensional barcode image 1214 may include a first segment barcode image 1214a and a first segment billing data. 1214b, a second segment barcode image 1214c, a second segment billing data 1214d, a third segment barcode image 1214e and a third segment billing material 1214f.

Finally, the user can use the one-dimensional barcode reader 12 displayed on the one-dimensional barcode image 1214 of the display unit 12 to read the one-dimensional barcode reader 32. After the one-dimensional barcode reader 32 reads the one-dimensional barcode image 1214, The one-dimensional barcode image is decoded to transmit billing data, and the bill data transmitted by the one-dimensional barcode reader 32 is processed by the collection processor 31. The billing data processed by the collecting end processor 31 is displayed on the receiving end display 33 for the user to confirm. The user can pay the bill of the bill after confirming that the bill information displayed on the receipt display 33 is correct; after the user pays the bill of the bill, the payment document printing device 34 can print the payment certificate. For the user to accept.

In addition, in the present invention, preferably, the mobile electronic communication device 1 can be a mobile phone, a Personal Digital Assistant (PDA) device, and a mobile network. Mobile Internet Device (MID) device or other portable communication electronic device.

Different from the first application example of the preferred embodiment of the present invention, in the second application example of the preferred embodiment of the present invention, the remote server 22 can transmit a short message signal S2 by the remote signal transceiver 23. To the signal transceiver 19 of the payment electronic communication device 1. The SMS signal S2 carries the billing information of the bill. After the signal transceiver 19 receives the short message signal S2, the processing unit can process the billing data of the bill carried by the short message signal S2. The remaining applications of the second application example of the preferred embodiment of the present invention are similar or identical to the first application example of the preferred embodiment of the present invention, and therefore will not be further described below.

In order to further promote the technology disclosed in the present invention, the techniques disclosed in the first application example and the second application example of the preferred embodiment of the present invention are further summarized into a simple flowchart so as to have a technical field in the technical field. Usually the knowledge is easier to remember. First, please refer to the ninth figure, which is a simplified flow chart showing a first application example of the preferred embodiment of the present invention. In the meantime, please refer to the fourth picture. As shown in the ninth figure, in implementing the techniques of the present invention, the remote management subsystem 3 (such as the telecommunications carrier's communication system) can be used to encode the billing data to provide a two-dimensional barcode image 611 through the Internet 4 The two-dimensional barcode image 611 is displayed on the display 61 of the network terminal 6 (step 110).

Next, the user can use the mobile payment electronic communication device 1 to retrieve the two-dimensional barcode image 611 from the display 61 of the network terminal 6 (step 120), and set the barcode format of the mobile electronic communication device 1 (step 130). . At this time, the two-dimensional barcode image can be decoded by the two-dimensional barcode decoder 16 to transmit the billing data (step 140), and the user can also operate the operation interface. 13 to read the two-dimensional barcode image 611 (step 150). Next, the mobile payment electronic communication device 1 determines whether the user wants to display whether or not to display the billing information (step 160). If so, the work window 121 of the display unit 12 of the mobile payment electronic communication device 1 displays the bill data in accordance with the management conditions set by the user (step 170).

When the user wants to pay the bill, the action interface 13 can be used to enable the mobile electronic communication device 1 to encode the bill data into a one-dimensional barcode and a corresponding one of the barcode images (step 180). And displaying the one-dimensional barcode image on the work window 121 of the display unit 12 for reading by the collection terminal 3 (step 190).

Next, please refer to the tenth figure, which is a simplified flowchart showing a second application example of the preferred embodiment of the present invention. In the meantime, please refer to the fourth picture. As shown in the tenth figure, in implementing the techniques of the present invention, the remote management subsystem 3 (e.g., the telecommunications carrier's communication system) can be utilized to transmit billing data at the SMS signal S2 (step 210). At this time, the user can receive the short message signal S2 by the mobile electronic communication device 1 (step 220), and parse the short message signal S2 with the billing information of the bill by the mobile electronic communication device 1 (step 230).

The user can then set the bar code format of the mobile payment electronic communication device 1 (step 240). Next, the mobile payment electronic communication device 1 determines whether the user wants to display whether or not to display the billing information (step 250). If so, the work window 121 of the display unit 12 of the mobile payment electronic communication device 1 displays the bill data according to the management conditions set by the user (step 260).

When the user wants to pay the bill of the bill, the operation interface 13 can be used to enable the mobile electronic communication device 1 to encode the bill data into a one-dimensional barcode and a corresponding one of the barcode images. (Step 270), and the one-dimensional barcode image is displayed on the work window 121 of the display unit 12 for reading by the collection terminal 3 (step 280).

Finally, it must be stated again that those who have the usual knowledge in the technical field can easily understand that the mobile payment electronic communication device 1 provided by the present invention has one by one as compared with the conventional bill payment technology. The bar code encoder 18 can encode the bill data according to the display range and form (straight or horizontal) of the display 12, and generate a one-dimensional bar code and one of the corresponding one-dimensional bar code images; therefore, It can effectively solve the problems of "one-dimensional bar code image is adjusted by the specification and distorted" and "one-dimensional bar code image is beyond the boundary of the display" as described in the prior art, so that the user (user) can more smoothly and conveniently The payment of the accounts is completed at the collection end (such as financial institutions and convenience stores).

In addition, since the mobile electronic communication device 1 itself stores a plurality of barcode formats in the present invention, it can be simultaneously applied to decoding two-dimensional barcodes of a plurality of formats, and encoding a plurality of one-dimensional barcodes, thereby expanding the application range thereof. .

It can be seen from the above embodiments of the present invention that the present invention has industrial utilization value. The above embodiments are merely illustrative of the preferred embodiments of the present invention, and those skilled in the art will be able to make various other modifications and changes in the embodiments described herein. However, various modifications and changes made in accordance with the embodiments of the present invention are still within the scope of the invention and the scope of the invention.

PA1‧‧‧ display

PA11‧‧‧1D barcode image

PA111‧‧‧ first paragraph barcode image

PA112‧‧‧ first paragraph of billing information

PA113‧‧‧Second section barcode image

PA114‧‧‧Second paragraph billing information

PA115‧‧‧3rd bar code image

PA116‧‧‧ Third paragraph billing information

PA11’‧‧‧1D barcode image

PA111’‧‧‧ first paragraph barcode image

PA112’‧‧‧ first paragraph of billing information

PA113’‧‧‧Second section barcode image

PA114’‧‧‧ second paragraph of billing information

PA115’‧‧‧3rd bar code image

PA116’‧‧‧ Third paragraph billing information

100‧‧‧ mobile payment system

1‧‧‧ (operating) payment electronic communication device

11‧‧‧Processing unit

12‧‧‧Display unit

121‧‧‧Work window

1211‧‧‧ main function menu

1211a‧‧‧Format setting option map/frame

1211b‧‧‧ barcode reading option map/frame

1211c‧‧‧Display data option map/frame

1211d‧‧‧Management data option map/frame

1212‧‧‧ Display data sub-window

1212a‧‧‧2D barcode image display area

1212b‧‧‧User data display area

1212c‧‧‧ Billing unit display area

1212d‧‧‧ Amount to be displayed

1212e‧‧‧payment deadline display area

1213‧‧‧Management Data Subview

1213a‧‧‧Management condition display area

1213b‧‧‧Information display area

1213c‧‧‧Display bar code function options

1214‧‧‧1D barcode image

1214a‧‧‧first barcode image

1214b‧‧‧ first paragraph of billing information

1214c‧‧‧Second section barcode image

1214d‧‧‧ second paragraph of billing information

1214e‧‧‧3rd bar code image

1214f‧‧‧3rd billing information

13‧‧‧Operator interface

14‧‧‧ memory unit

141‧‧‧Barcode format memory area

142‧‧‧2D barcode memory area

143‧‧‧ Billing Information Memory Area

144‧‧‧1D barcode memory area

15‧‧‧Image capture unit

16‧‧‧Two-dimensional barcode decoder

161‧‧‧ decoding program

17‧‧‧Bill Management Module

171‧‧‧Management Program

172‧‧‧ Data Protection Unit

18‧‧‧1D Barcode Encoder

181‧‧‧ coding program

19‧‧‧Signal Transceiver

2‧‧‧Remote Management Subsystem

21‧‧‧ Billing Database

22‧‧‧Remote Server

23‧‧‧Remote signal transceiver

3‧‧‧receiving end

31‧‧‧Receiving end processor

32‧‧‧1D barcode reader

33‧‧‧Receiving display

34‧‧‧payment voucher printing device

4‧‧‧Internet

5‧‧‧Using the server

51‧‧‧Email address

6‧‧‧Network terminal

61‧‧‧ display

611‧‧‧2D barcode image

7‧‧‧Web server

S1‧‧‧ operation signal

S2‧‧‧News signal

The first figure shows a schematic diagram of a mobile phone display receiving a (three-segment) one-dimensional bar code image in the prior art; the second figure shows that when the size of the one-dimensional bar code image is smaller than the display range of the display, The one-dimensional barcode image is automatically scaled up to match the display range of the display; the third image shows that when the continuous display displays a horizontal one-dimensional barcode image, the one-dimensional barcode image can be displayed beyond the display. The fourth figure is a system block diagram showing a preferred embodiment of the present invention; the fifth figure shows a schematic diagram of a main function menu displayed in the working window in the preferred embodiment of the present invention; In the preferred embodiment of the present invention, the working window can display a schematic diagram of a display data sub-window; the seventh figure shows a schematic diagram of a working data sub-window displayed in the working window; The figure shows that in the preferred embodiment of the present invention, the working window can display a three-segment one-dimensional bar code image; the ninth figure shows the first embodiment of the present invention. Simplified flowchart of the embodiment; and FIG lines showed a tenth simplified flowchart of a second application example of the preferred embodiment of the present invention.

100‧‧‧ mobile payment system

1‧‧‧ (operating) payment electronic communication device

11‧‧‧Processing unit

12‧‧‧Display unit

121‧‧‧Work window

13‧‧‧Operator interface

14‧‧‧ memory unit

141‧‧‧Barcode format memory area

142‧‧‧2D barcode memory area

143‧‧‧ Billing Information Memory Area

144‧‧‧1D barcode memory area

15‧‧‧Image capture unit

16‧‧‧Two-dimensional barcode decoder

17‧‧‧Bill Management Module

171‧‧‧ Data Protection Unit

18‧‧‧1D Barcode Encoder

19‧‧‧Signal Transceiver

2‧‧‧Remote Management Subsystem

21‧‧‧ Billing Database

22‧‧‧Remote Server

23‧‧‧Remote signal transceiver

3‧‧‧receiving end

31‧‧‧Receiving end processor

32‧‧‧1D barcode reader

33‧‧‧Receiving display

34‧‧‧payment voucher printing device

4‧‧‧Internet

5‧‧‧Using the server

51‧‧‧Email address

6‧‧‧Network terminal

61‧‧‧ display

611‧‧‧2D barcode image

7‧‧‧Web server

S1‧‧‧ operation signal

S2‧‧‧News signal

Claims (41)

An action payment system is configured to encode at least one two-dimensional barcode image according to at least one billing data of at least one bill to generate at least one-dimensional barcode image for reading by a generation, and for the collection end Receiving one of the bills according to the billing data, the mobile payment system includes: a remote management subsystem that encodes the billing data to provide the two-dimensional barcode image; and an action payment The electronic communication device includes: an image capturing unit for capturing the two-dimensional barcode image; and a two-dimensional barcode decoder electrically connecting the image capturing unit to decode the two-dimensional barcode image, The billing data is transmitted; a processing unit is electrically coupled to the two-dimensional barcode decoder to receive the billing data and process the billing data; the one-dimensional barcode encoder is electrically Sexually coupled to the processing unit, the one-dimensional barcode encoder can encode the billing data according to the display range and the form, so as to encode the billing data processed by the processing unit into one-dimensional strips. And the corresponding one-dimensional bar code image of the one-dimensional bar code; and a display, based electrically connected to the one-dimensional bar code encoder, thereby indicating the one-dimensional bar code image. The mobile payment system of claim 1, wherein the display is electrically coupled to the one-dimensional barcode encoder via the processing unit. The mobile payment system of claim 1, wherein the two-dimensional barcode image displays a display of a network terminal from the remote management subsystem via an internet network, for the image The capture unit captures the two-dimensional barcode image. The mobile payment system of claim 3, wherein the two-dimensional barcode image is displayed on the display of the network terminal by transmitting an email box via the Internet. The mobile payment system of claim 3, wherein the two-dimensional barcode image is displayed on the display of the network terminal via a web server connected to the web server. The mobile payment system of claim 1, wherein the mobile electronic communication device further comprises a memory unit, wherein the memory unit comprises a code format memory area for memorizing a plurality of barcode formats and content formats thereof. agreement. For example, the mobile payment system described in claim 6 of the patent scope, wherein the The recall unit further includes a bill data storage area for storing a plurality of billing materials as described above. The mobile payment system of claim 7, wherein the mobile electronic communication device further comprises a bill management module for managing the billing data stored in the bill data storage area. The mobile payment system of claim 8, wherein the bill management module further comprises a data protection unit for protecting the bill data from being abnormally tampered with. The mobile payment system of claim 6, wherein the memory unit further comprises a two-dimensional barcode image memory area for storing the two-dimensional barcode image. The mobile payment system of claim 6, wherein the memory unit further comprises a one-dimensional barcode image memory area for storing the one-dimensional barcode image. The mobile payment system of claim 1, wherein the image capturing unit is a charge coupled device (CCD). The mobile payment system of claim 1, wherein the remote management subsystem comprises a billing database, and the billing database stores a plurality of billing materials. The mobile payment system of claim 1, wherein the two-dimensional barcode decoder has a built-in decoding program for decoding the two-dimensional barcode image to transmit the billing data. The mobile payment system of claim 1, wherein the one-dimensional barcode encoder has an internal coding program for encoding the bill data into the one-dimensional barcode. The mobile payment system of claim 1, wherein the mobile electronic communication device is a mobile phone. The mobile payment system of claim 1, wherein the mobile electronic communication device is a Personal Digital Assistant (PDA) device. For example, the mobile payment system described in claim 1 is wherein the mobile electronic communication device is a mobile network (Mobile). Internet Device; MID) device. An action payment system for generating at least one-dimensional barcode image for reading by a generation terminal by using a short message signal carrying at least one billing data of at least one bill, and for the receipt end to be based on the bill The data collection system collects one of the bills, the mobile payment system includes: a remote management subsystem that transmits the billing information by using the short message signal; and a mobile payment electronic communication device, including: a signal transmission and reception Receiving the short message signal; a processing unit electrically coupled to the signal transceiver, thereby parsing the short message signal out of the billing data of the bill, and processing the billing data; The barcode encoder is electrically connected to the processing unit, and the one-dimensional barcode encoder can encode the billing data according to the display range and the form, so as to encode the billing data processed by the processing unit into one The dimension bar code and the one-dimensional bar code image corresponding to the one-dimensional bar code; and a display electrically coupled to the one-dimensional bar code encoder to display the one-dimensional bar code image. For example, the mobile payment system described in claim 19, wherein The display is electrically coupled to the one-dimensional barcode encoder via the processing unit. The mobile payment system of claim 19, wherein the short message signal is transmitted by a remote management subsystem. The mobile payment system of claim 19, wherein the mobile electronic communication device further comprises a memory unit, wherein the memory unit comprises a code format memory area for memorizing a plurality of barcode formats and contents thereof. Format agreement. The mobile payment system of claim 22, wherein the memory unit further comprises a bill data storage area for storing a plurality of billing materials. The mobile payment system of claim 23, wherein the mobile electronic communication device further comprises a bill management module for managing the billing data stored in the bill data storage area. The mobile payment system of claim 24, wherein the bill management module further comprises a data protection unit for protecting the bill data from being abnormally tampered with. The mobile payment system of claim 22, wherein the memory unit further comprises a two-dimensional barcode image storage area for storing the two-dimensional barcode image. The mobile payment system of claim 22, wherein the memory unit further comprises a one-dimensional barcode image memory area for storing the one-dimensional barcode image. The mobile payment system of claim 19, wherein the image capturing unit is a charge coupled device (CCD). The mobile payment system of claim 19, wherein the remote management subsystem comprises a billing database, and the billing database stores a plurality of billing materials. The mobile payment system of claim 19, wherein the mobile electronic communication device further comprises a two-dimensional barcode decoder, wherein the two-dimensional barcode decoder has a built-in decoding program, thereby The barcode image is decoded to transmit the bill data. For example, the mobile payment system described in claim 19, wherein A one-dimensional barcode encoder has a built-in encoding program for encoding the bill data into the one-dimensional barcode. The mobile payment system of claim 19, wherein the mobile electronic communication device is a mobile phone. The mobile payment system of claim 19, wherein the mobile electronic communication device is a Personal Digital Assistant (PDA) device. The mobile payment system of claim 19, wherein the mobile electronic communication device is a Mobile Internet Device (MID) device. An action payment method is to encode at least one two-dimensional barcode image according to at least one billing data of at least one bill to generate at least one-dimensional barcode image for one generation of receiving end reading, and for the receiving end Receiving one of the bills according to the billing data, the method comprising the steps of: (a) encoding the bill data by using a remote management subsystem to provide the two-dimensional barcode image; (b) utilizing a mobile payment electronic communication device captures the two-dimensional barcode image; (c) decoding the two-dimensional barcode image to transmit the bill data; (d) encoding the billing data into a one-dimensional barcode and the one-dimensional barcode image corresponding to the one-dimensional barcode according to the display range and form; and (e) displaying the one-dimensional barcode image. The mobile payment method according to claim 35, wherein before the step (c), a step (c0) is further included, which sets a code format for decoding the two-dimensional barcode image. And the billing data is encoded into the one-dimensional barcode and the one-dimensional barcode image corresponding to the one-dimensional barcode. The mobile payment method according to claim 35, wherein before the step (c), the method further comprises a step (c1) of reading the two-dimensional barcode image. The mobile payment method according to claim 35, wherein the step (d) further comprises a step (d0), which displays the billing information. An action payment method for generating at least one-dimensional barcode image for reading by a generation terminal by using a short message signal carrying at least one billing data of at least one bill, and for the receipt end to be based on the bill Data collection of one of the bills, the method comprising the steps of: (a) transmitting the billing information via the short message signal using a remote management subsystem; and (b) receiving the electronic communication device using a mobile payment device The message signal; (c) parsing the short message signal out of the billing data of the bill; (d) encoding the billing data into a one-dimensional barcode and the one-dimensional barcode image corresponding to the one-dimensional barcode according to the display range and form And (e) display the one-dimensional barcode image. The mobile payment method of claim 35, wherein before the step (d), a step (d0) is further included, which sets a code format for encoding the bill data into the The one-dimensional barcode and the one-dimensional barcode image corresponding to the one-dimensional barcode. The mobile payment method according to claim 35, wherein the step (d) further comprises a step (d0), which displays the billing information.