TWI474271B - Electronic payment system - Google Patents

Description

Electronic payment system

The present invention relates to an electronic payment system, and in particular to an electronic payment system utilizing a client electronic apparatus and a retail electronic apparatus.

There are a variety of ways to pay at the shopping site without cash, for example, using contact, contactless cards such as credit cards, cash cards, leisure cards, and bonus cards.

With the popularity of handheld electronic devices (e.g., smart phones, tablets, etc.), techniques have been developed to embed wafers in such cards into handheld electronic devices.

However, the existing method for payment by using a handheld electronic device still transmits transaction information to the sales terminal electronic device in a short-range wireless communication manner. In the process of wireless communication, third parties can easily intercept wireless communication signals and steal personal information of consumers.

In addition, a conventional method of paying by using a handheld electronic device, for example, the Republic of China Patent Publication No. 200713132, is susceptible to poor reception due to interference from other nearby signals during wireless communication, resulting in inability to trade.

In addition, existing methods of using handheld electronic devices for payment still lack mechanisms for device confidentiality. If the handheld electronic version is lost, it can still be used without notification of the payment system update.

In addition, existing methods of using handheld electronic devices for payment still lack the convenience for consumers to conveniently record and manage their transaction information. For example, the current implementation of electronic invoices. Existing methods of payment using handheld electronic devices have not been able to conveniently record and manage electronic invoices.

Therefore, the technical problem to be solved by the present invention is to provide an electronic payment system using a client electronic device and a sales terminal electronic device, such as a handheld electronic device. The electronic payment system of the invention can make important transaction information not be stolen, and the hand-held electronic type is not easily stolen after being lost, and the consumer can conveniently record and manage all the information by using the handheld electronic device.

A preferred embodiment of the electronic payment system of the present invention comprises a client electronic device and a sales terminal electronic device. The client electronic device includes a client display, a client memory unit, and a client processor. The client memory unit is used to store the client transaction program and the transaction account information. The client processor is electrically connected to the client display and the client memory unit, respectively. The client processor executes the client transaction program according to the transaction account information, encodes the transaction account information into the first display pattern, and displays the first display pattern on the client display. The sales-end electronic device includes a sales-end image capturing unit, a sales-side memory unit, and a sales-side processor. The sales side memory unit is used to store the sales side transaction program. The sales-end processor is electrically connected to the sales-end image capturing unit and the sales-side memory unit, respectively. The sales-end processor is configured to intercept the first display pattern displayed on the client display via the sales-end image capturing unit, and execute a sales-side transaction program to decode the first display pattern into financial information.

In a specific embodiment, the client electronic device further includes an input unit. The input unit is used for the customer to input the payment request information, so that the client The processor executes the client transaction program and encodes the first display pattern according to the transaction account information and the payment request information.

In a specific embodiment, the sales-end electronic device further includes a sales-end display. The sales terminal display is electrically connected to the sales terminal processor. The sales terminal processor executes the sales side transaction program based on a subscription information to generate payment request information, encodes the payment request information into a second display pattern, and displays the second display pattern on the sales display. The client electronic device further includes a client image capturing unit. The client image capture unit is electrically connected to the client processor. The client processor intercepts the second display pattern displayed on the sales terminal display via the client image capturing unit, and executes the client transaction program to decode the second display pattern into the payment request information. Further, the client processor executes the client transaction program and encodes the first display pattern according to the transaction account information and the payment request information.

Further, the sales-end processor executes the sales-side transaction program according to the payment request information and the financial information to generate transaction information, encodes the transaction information into a third display pattern, and displays the third display pattern on the sales-end display. The client processor intercepts the third display pattern displayed on the sales terminal display via the client image capturing unit, and executes the client transaction program to decode the third display pattern into transaction information. In practical applications, transaction information includes electronic invoice information.

In a specific embodiment, the first display pattern may be a one-dimensional barcode, a two-dimensional barcode, a QR code, a multi-dimensional barcode based on a two-dimensional barcode, or a combination of characters.

In a specific embodiment, the sales-end electronic device further includes a sales-side wireless communication device. The sales side wireless communication system is electrically connected to the sales end processor. The sales-end processor executes the sales-side transaction program based on the order information to generate the payment request information, and transmits the payment request information via the sales terminal. The signal is transmitted out. The client electronic device further includes a client wireless communication port. The client wireless communication is electrically connected to the client processor. The client processor receives the payment request information via the client wireless communication.

Further, the electronic payment system of the present invention further includes a third party server. The sales terminal electronic device and includes a sales side transmission interface. The sales side transmission interface is electrically connected to the sales end processor. The sales-end processor connects to a third-party server via a sales-side transmission interface to confirm or store financial information or transaction information. The client electronic device includes a client transmission interface. The client electronics are electrically connected to the client processor. The client processor also connects to the third party server via the client transport interface to confirm or query financial information or transaction information.

Another preferred embodiment of the electronic payment system of the present invention includes a client electronic device and a sales terminal electronic device. The client electronic device includes a client sound dialing unit, a client memory unit, and a client processor. The client memory unit is used to store the client transaction program and the transaction account information. The client processor is electrically connected to the client sound dialing unit and the client memory unit, respectively. The client processor executes the client transaction program according to the transaction account information, encodes the transaction account information into the first voice signal, and plays the first voice signal through the client voice dialing unit. The sales-end electronic device includes a sales-side sound recording unit, a sales-side memory unit, and a sales-side processor. The sales side memory unit is used to store the sales side transaction program. The sales-end processor is electrically connected to the sales-side sound recording unit and the sales-side memory unit, respectively. The sales-end processor is configured to receive the first sound signal played by the client sound-playing unit via the sales-side sound recording unit, and execute the sales-side transaction program to decode the first sound signal into financial information.

In a specific embodiment, the sales terminal electronic device further includes sales End sound playback unit. The sales-side sound-discharging unit is electrically connected to the sales-end processor. The sales terminal processor executes the sales side transaction program according to the order information to generate the payment request information, encodes the payment request information into the second sound signal, and plays the second sound signal through the sales side sound dialing unit. The client electronic device further includes a client sound recording unit. The client sound recording unit is electrically connected to the client processor. The client processor intercepts and receives the second sound information played by the sales terminal sound playing unit through the client sound recording unit, and executes the client transaction program to decode the second sound information into the payment request information. Further, the client processor executes the client transaction program and encodes the first audio signal according to the transaction account information and the payment request information.

The advantages and spirit of the present invention will be further understood from the following detailed description of the invention.

Please refer to Figure 1 and Figure 2. FIG. 1 is a schematic structural diagram of a preferred embodiment of an electronic payment system 1 of the present invention. FIG. 2 is a schematic diagram showing the appearance of the handheld electronic device 2 as an example of the client electronic device 2 and under the operation of the customer.

As shown in FIG. 1, the electronic payment system 1 of the present invention includes a client electronic device 2 and a sales terminal electronic device 3. The client electronic device 2 includes a client display 20, a client memory unit 22, and a client processor 24. The client processor 24 is electrically coupled to the client display 20 and the client memory unit 22, respectively.

The client memory unit 22 is configured to store the client transaction program 220 and the transaction account information 222. The client processor 24 is configured to execute the client transaction program 220 according to the transaction account information 222, and the transaction account information is 222 is encoded into a first display pattern and the first display pattern is displayed on the client display 20.

In a specific embodiment, the transaction account information 222 may include a debit amount corresponding to the cash card, a prepayment amount corresponding to the credit card, or a bonus or token of the membership card.

In practical applications, in order to ensure the security of the transaction, the customer data in the transaction account information 222 can be encrypted with an industry standard of AES-256 or higher. The client electronic device 2 pre-stores one or more sets of specific codes, which are SHA-512 or more hash codes. The specific code is combined with the required information at the time of the transaction as the basis for the correctness of the transaction. The specific code is automatically updated by the electronic payment system 1 from time to time. In addition, when the client transaction program 220 is idle for a period of time, the customer profile and the specific code in all the transaction account information 222 are automatically deleted, and the customer can open the account again to generate the required data and the specific code. In addition, the customer can set a payment password or a short message notification password in advance (the electronic payment system 1 sends an on-time password (OTP) to the client electronic device 2 by means of a short message or an email, etc.), when the payment is made, the client electronic device The holder of 2 must enter the correct password to proceed with the payment process.

In a specific embodiment, the first display pattern may be a one-dimensional barcode, a two-dimensional barcode, a QR (quick response) code, a multi-dimensional barcode based on a two-dimensional barcode (a two-dimensional barcode or a QR code plus a plurality of different Color arrangement) or combination of characters, etc. For example, as shown in FIG. 2, the client electronic device 2 is an example of a smart phone, and the first display 202 in the form of a QR code is displayed on the client display 20.

The sales terminal electronic device 3 includes a sales end image capturing unit 30, a sales end memory unit 32, and a sales end processor 34. The sales end processor 34 is electrically connected to the sales end image capturing unit 30 and the sales end memory respectively. Unit 32.

The sales terminal memory unit 32 is configured to store the sales side transaction program 320. The sales terminal processor 34 is configured to intercept the first display pattern displayed on the client display 20 via the sales-end image capturing unit 30, and execute the sales-side transaction program 320 to decode the first display pattern into financial information. Thereby, the sales terminal memory unit 32 is not stolen during the process of receiving the financial information from the client electronic device 2, and is not interfered by other nearby signals. In practice, the above-mentioned process of using image display and image capture is highly confidential.

In a specific embodiment, the client electronic device 2 further includes an input unit 26, such as a virtual keyboard. The input unit 26 is configured to allow the customer to input the payment request information, and cause the client processor 24 to execute the client transaction program 220, and encodes the first display pattern according to the transaction account information 220 and the payment request information.

In a specific embodiment, the sales terminal electronic device 3 further includes a sales terminal display 36. The sales terminal display 36 is electrically connected to the sales terminal processor 34. The sales terminal processor 34 executes the sales side transaction program 320 based on the order information to generate payment request information, encodes the payment request information into a second display pattern, and displays the second display pattern on the sales terminal display 36. The client electronic device 2 further includes a client image capturing unit 27. The client image capturing unit 27 is electrically connected to the client processor 24. The client processor 24 intercepts the second display pattern displayed on the sales terminal display 36 via the client image capturing unit 27, and executes the client transaction program 220 to decode the second display pattern into payment request information. Further, the client processor 24 executes the client transaction program 220 and encodes the first display pattern based on the transaction account information 222 and the payment request information.

Further, the sales end processor 34 executes the sales side transaction program 320 according to the payment request information and the financial information to generate transaction information, encodes the transaction information into a third display pattern, and displays the third display pattern on the sales terminal display 36. The client processor 24 intercepts the third display pattern displayed on the sales terminal display 36 via the client image capturing unit 27, and executes the client transaction program 220 to decode the third display pattern into transaction information. In practical applications, transaction information includes electronic invoice information. The customer holding the client electronic device 2 can also easily record and manage each transaction information, and can easily redeem the electronic invoice.

In a specific embodiment, the sales-end electronic device 3 further includes a sales-side wireless communication device 38. The sales side wireless communication unit 38 is electrically connected to the sales side processor 34. The sales terminal processor 34 executes the sales side transaction program 320 based on the order information to generate payment request information, and transmits the payment request information via the sales terminal wireless communication unit 38. The client electronic device 2 further includes a client wireless communication port 28. The client wireless communication port 28 is electrically connected to the client processor 24. The client processor 24 receives payment request information via the client wireless communication port 28. Since the confidentiality requirement of the payment request information is relatively low, the adoption of this technical solution can make full use of the convenience of the existing hand-held electronic device 2 such as a smart phone having a client wireless communication device.

Further, the electronic payment system 1 of the present invention further includes a third party server 4. The sales side electronic device 3 also includes a sales side transmission interface 39. The sales side transmission interface 39 is electrically connected to the sales side processor 34. The sales end processor 34 is connected to the third party server 4 via the sales side transmission interface 39 to confirm or store financial information or transaction information. The client electronic device 2 also includes a client transmission interface 29. The client transport interface 29 is electrically coupled to the client processor 24. The client processor 24 is also connected to the third party server 4 via the client transport interface 29, thereby Confirm or query financial information or transaction information. For example, as shown in FIG. 1, the client processor 24 is coupled to the network 5 via the client transport interface 29 and is coupled to the third party server 4. The sales terminal processor 34 is coupled to the network 5 via the sales side transmission interface 39, thereby connecting to the third party server 4.

The sales side transmission interface 39 can be instantly connected to the third party server 4 when the customer consumes. The sales side transmission interface 39 can also connect to the third party server 4 periodically or irregularly after the customer consumes, thereby confirming or storing financial information or transaction information.

In a specific embodiment, when the client transaction program 220 encodes the first display pattern, the client transaction program 220 can automatically generate the first password, and the sales terminal transaction program 320 and includes the first decoding corresponding to the first password. Program. The client transaction program 220 can automatically update the first password from time to time.

In a specific embodiment, when the sales end transaction program 320 encodes the second display pattern, the sales end transaction program 320 can automatically generate the second password, and the client transaction program 220 includes the second decoding corresponding to the second password. Program. The sales side transaction program 320 can automatically update the second password from time to time.

Please refer to FIG. 3 , which is a schematic structural diagram of another preferred embodiment of the electronic payment system 6 of the present invention.

As shown in FIG. 3, the electronic payment system 6 of the present invention includes a client electronic device 7 and a sales terminal electronic device 8.

The client electronic device 7 includes a client voice dialing unit 70, a client memory unit 72, and a client processor 74. The client processor 74 is electrically connected to the client sound dialing unit 70 and the client memory unit 72, respectively. The client memory unit 72 is configured to store the client transaction program 720 and the transaction account information 722. The client processor 74 is configured to execute the client transaction program 720 according to the transaction account information 722, encode the transaction account information 722 into the first voice signal, and play the first voice signal through the client voice dialing unit 70.

The sales terminal electronic device 8 includes a sales terminal sound recording unit 80, a sales terminal memory unit 82, and a sales terminal processor 84. The sales side processor 84 is electrically connected to the sales side sound recording unit 80 and the sales side memory unit 82, respectively. The sales terminal memory unit 82 is configured to store the sales side transaction program 820. The sales terminal processor 84 is configured to receive the first audio signal played by the client voice playback unit 70 via the sales terminal voice recording unit 80, and execute the sales terminal transaction program 820 to decode the first voice signal into financial information. This technical solution can apply a mobile phone that does not have a photographic lens, only has a sound dialing function, and a recording function, thereby expanding the application range of the present invention.

In a specific embodiment, the sales terminal electronic device 8 further includes a sales end sound dialing unit 86. The sales terminal sound setting unit 86 is electrically connected to the sales terminal processor 84. The sales end processor 84 executes the sales side transaction program 820 based on the order information to generate the payment request information, encodes the payment request information into the second sound signal, and plays the second sound signal via the sales side sound dialing unit 86. The client electronic device 7 further includes a sales end sound recording unit 76. The client sound recording unit 76 is electrically coupled to the client processor 74. The client processor 74 intercepts and receives the second voice information played by the sales terminal sound playing unit 86 via the client sound recording unit 76, and executes the client transaction program 720 to decode the second voice information into the payment request information. Further, the client processor 74 executes the client transaction program 720 and encodes the first audio signal based on the transaction account information 722 and the payment request information.

Further, the client electronic device 7 also includes a client display, an input unit, a client wireless communication port, a client transmission interface, and the like (not shown in FIG. 3), and performs the functions detailed above. The sales terminal electronic device 8 also includes a sales terminal display, a sales terminal wireless communication port, and a sales terminal transmission interface (not shown in FIG. 3), and performs the functions detailed above.

Through the above detailed description of the present invention, the electronic payment system of the present invention can be clearly understood, and important transaction information can be prevented from being stolen, and the hand-held electronic type is not easily stolen after being lost, and the consumer can use the convenience of the handheld electronic device. Record and manage all of its information.

The features and spirit of the present invention are intended to be more apparent from the detailed description of the preferred embodiments. On the contrary, the intention is to cover various modifications and equivalents that are within the scope of the invention as claimed. Therefore, the scope of the patent application of the present invention should be construed broadly in the light of the above description, so that it covers all possible changes and arrangements.

1‧‧‧Electronic payment system

2‧‧‧Customer electronic device

20‧‧‧Customer display

202‧‧‧ first pattern

22‧‧‧Customer memory unit

220‧‧‧Client Transaction Program

222‧‧‧ Trading Account Information

24‧‧‧Client Processor

26‧‧‧ Input unit

27‧‧‧Customer Image Capture Unit

28‧‧‧Customer Wireless Communication埠

29‧‧‧Client transmission interface

3‧‧‧Sale-end electronic devices

30‧‧‧Sale-end image capture unit

32‧‧‧Sale-end memory unit

320‧‧‧Sales Trading Program

34‧‧‧Sales processor

36‧‧‧Sales display

38‧‧‧Sales Terminal Wireless Communication埠

39‧‧‧Sales side transmission interface

4‧‧‧ Third-party server

5‧‧‧Network

6‧‧‧Electronic payment system

7‧‧‧Customer electronic device

70‧‧‧Customer voice dialing unit

72‧‧‧Client memory unit

720‧‧‧Client Trading Program

722‧‧‧ Trading Account Information

74‧‧‧Client Processor

76‧‧‧Sale-end sound recording unit

8‧‧‧Sale-end electronic devices

80‧‧‧Sale-end sound recording unit

82‧‧‧Sale-end memory unit

820‧‧‧Sales Trading Program

84‧‧‧Sales processor

86‧‧‧Sales sound distribution unit

BRIEF DESCRIPTION OF THE DRAWINGS Figure 1 is a block diagram showing a preferred embodiment of an electronic payment system of the present invention.

Figure 2 is a schematic diagram of the appearance of the handheld electronic device under customer operation.

Figure 3 is a block diagram showing another preferred embodiment of the electronic payment system of the present invention.

1‧‧‧Electronic payment system

2‧‧‧Customer electronic device

20‧‧‧Customer display

22‧‧‧Customer memory unit

220‧‧‧Client Transaction Program

222‧‧‧ Trading Account Information

24‧‧‧Client Processor

26‧‧‧ Input unit

27‧‧‧Customer Image Capture Unit

28‧‧‧Customer Wireless Communication埠

29‧‧‧Client transmission interface

3‧‧‧Sale-end electronic devices

30‧‧‧Sale-end image capture unit

32‧‧‧Sale-end memory unit

320‧‧‧Sales Trading Program

34‧‧‧Sales processor

36‧‧‧Sales display

38‧‧‧Sales Terminal Wireless Communication埠

39‧‧‧Sales side transmission interface

4‧‧‧ Third-party server

5‧‧‧Network

Claims (15)

An electronic payment system comprising: a client electronic device comprising: a client display; a client memory unit for storing a client transaction program and a transaction account information; and a client processor, respectively Connecting to the client display and the client memory unit, executing the client transaction program according to the transaction account information, encoding the transaction account information into a first display pattern, and displaying the first display pattern on the client display And a sales-end electronic device, comprising: a sales-end image capturing unit; a sales-side memory unit for storing a sales-side transaction program; and a sales-end processor for electrically connecting to the sales terminal image The capturing unit and the selling end memory unit are configured to intercept the first display pattern displayed on the client display via the sales end image capturing unit, and execute the sales end transaction program to decode the first display pattern into a Financial information. The electronic payment system of claim 1, wherein the client electronic device further comprises an input unit for inputting a payment request information by a customer, causing the client processor to execute the client transaction program, and according to the The transaction account information and the payment request information are encoded into the first display pattern. The electronic payment system of claim 1, wherein the sales-end electronic device further comprises a sales-end display electrically connected to the sales-end processor, wherein the sales-end processor executes the sales-side transaction program according to a subscription information Generating a payment request information, encoding the payment request information into a second display pattern, and displaying the second display pattern on the sales terminal display, wherein the client electronic device further includes a client image capture list Connected to the client processor, wherein the client processor intercepts the second display pattern displayed on the sales terminal display via the client image capturing unit, and executes the client transaction program to decode The second display pattern is the payment request information. The electronic payment system of claim 3, wherein the sales terminal processor executes the sales transaction program according to the payment request information and the financial information to generate a transaction information, and encodes the transaction information into a third display pattern. And displaying the third display pattern on the sales terminal display, the client processor intercepting the third display pattern displayed on the sales terminal display via the client image capturing unit, and executing the client transaction program Decoding the third display pattern into the transaction information. The electronic payment system of claim 4, wherein the transaction information comprises an electronic invoice information. The electronic payment system of claim 1, wherein the first display pattern is selected from the group consisting of a one-dimensional barcode, a two-dimensional barcode, a QR code, a multi-dimensional barcode based on a two-dimensional barcode, and a combination of characters. One of the groups. The electronic payment system of claim 1, wherein the sales terminal electronic device further comprises a sales terminal wireless communication device electrically connected to the sales terminal processor, wherein the sales terminal processor executes the sales terminal according to a subscription information Transmitting the program to generate the payment request information, and transmitting the payment request information via the sales terminal wireless communication, wherein the client electronic device further comprises a client wireless communication device electrically connected to the client processor, The client processor receives the payment request information via the client wireless communication. The electronic payment system of claim 1, further comprising a third-party server, wherein the sales-side electronic device comprises a sales-side transmission medium The sales terminal processor is connected to the third-party server via the sales-side transmission interface, thereby confirming or storing the financial information or transaction information about the financial information. The electronic payment system of claim 8, wherein the client electronic device comprises a client transmission interface electrically connected to the client processor, and the client processor is coupled to the client via the client transmission interface The three-party server confirms or queries the financial information or the transaction information. The electronic payment system of claim 8 or 9, wherein the sales terminal transmission interface is connected to the third party server instantaneously, periodically or irregularly, thereby confirming or storing the financial information or the transaction information. The electronic payment system of claim 1, wherein when the client transaction program encodes the first display pattern, the client transaction program automatically generates a first password, and the sales terminal transaction program includes a pair Should be the first decoder of the first password. The electronic payment system of claim 3, wherein when the sales terminal transaction program encodes the second display pattern, the sales terminal transaction program automatically generates a second password, and the client transaction program includes a pair The second decoder of the second password should be used. The electronic payment system of claim 11 or 12, wherein the client transaction program and/or the sales terminal transaction program automatically updates the first password and/or the second password from time to time. An electronic payment system comprising: a client electronic device comprising: a client sound dialing unit; a client memory unit for storing a client transaction program and a Transaction account information; and a client processor electrically connected to the client voice dialing unit and the client memory unit respectively, executing the client transaction program according to the transaction account information, and encoding the transaction account information into a first An audio signal, and the first audio signal is played through the client sound dialing unit; and a sales terminal electronic device, comprising: a sales terminal sound recording unit; and a sales terminal memory unit for storing a sales terminal a transaction program; and a sales-end processor, which is electrically connected to the sales-side sound recording unit and the sales-side memory unit, respectively, for receiving, by the sales-side sound recording unit, the user-side sound-receiving unit The first audio signal, and executing the sales terminal transaction program to decode the first audio signal into a financial information. The electronic payment system of claim 14, wherein the sales-side electronic device further comprises a sales-side sound-discharging unit electrically connected to the sales-end processor, wherein the sales-end processor executes the sales according to a subscription information Ending the transaction program to generate a payment request information, encoding the payment request information into a second audio signal, and playing the second audio signal through the sales terminal sound dialing unit, wherein the client electronic device further includes a customer The terminal sound recording unit is electrically connected to the client processor, wherein the client processor intercepts and receives the second sound information played by the sales terminal sound playing unit via the client sound recording unit, and executes The client transaction program decodes the second voice information into the payment request information.