TWI503767B - Mobile device and method for using credit card for payment - Google Patents
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Description
本發明涉及一種移動終端及透過該移動終端進行信用卡消費的方法。 The present invention relates to a mobile terminal and a method of performing credit card consumption through the mobile terminal.
信用卡是商業銀行向個人和單位發行的，憑以向特約單位購物、消費和向銀行存取現金，具有消費信用的特製載體卡片，其形式是一張正面印有發卡銀行名稱、有效期、號碼、持卡人姓名等內容，背面有磁條、簽名條的卡片。發卡銀行給予持卡人一定的信用額度，持卡人可在信用額度內先消費、後還款的信用卡。透過信用卡進行刷卡消費既方便又可以不需要攜帶大量現金，方便了用戶。然而，在使用信用卡的過程中，常常會出現忘記攜帶卡片的情況。 A credit card is issued by a commercial bank to individuals and units. In order to shop, consume, and access cash to a bank, a special carrier card with consumer credit is in the form of a front-end issuing bank name, expiration date, number, The name of the cardholder, etc., and the card with the magnetic stripe and the signature strip on the back. The card-issuing bank gives the cardholder a certain credit limit, and the cardholder can use the credit card that is first consumed and then repaid within the credit limit. It is convenient and convenient to use the credit card for credit card consumption, which is convenient for the user. However, in the process of using a credit card, it is often the case that the card is forgotten to be carried.
鑒於以上內容，有必要提供一種移動終端，該移動終端能夠進行信用卡消費，方便用戶在忘記攜帶信用卡的情況下，也能進行刷卡消費。 In view of the above, it is necessary to provide a mobile terminal capable of performing credit card consumption, so that the user can perform credit card consumption even if the user forgets to carry the credit card.
此外，還有必要提供一種移動終端進行信用卡消費的方法，方便用戶在忘記攜帶信用卡的情況下，也能進行刷卡消費。 In addition, it is also necessary to provide a method for a mobile terminal to perform credit card consumption, so that the user can also perform credit card consumption if he forgets to carry the credit card.
一種移動終端，所述的移動終端包括：通訊連接模組，用於當用 戶需要進行信用卡刷卡消費時，與銀行信用卡系統之間建立無線通訊通道；輸入模組，用於輸入用戶登錄該銀行信用卡系統的密碼，以確認該用戶是否可以透過該移動終端登錄到銀行信用卡系統；接收模組，用於當密碼正確時，接收銀行信用卡系統傳送過來的授權資訊；發送模組，用於將所述授權資訊發送給信用卡刷卡終端，使其對該授權資訊進行驗證；所述接收模組，還用於接收銀行信用卡刷卡終端對該授權資訊的驗證結果；所述輸入模組，還用於當驗證結果為用戶可以進行刷卡消費時，輸入消費的金額，進行刷卡消費。 A mobile terminal, the mobile terminal comprising: a communication connection module, for use The user needs to establish a wireless communication channel with the bank credit card system when the credit card is used for consumption; the input module is used to input the password of the user to log in to the bank credit card system to confirm whether the user can log in to the bank credit card system through the mobile terminal. a receiving module, configured to receive authorization information transmitted by the bank credit card system when the password is correct; and a sending module, configured to send the authorization information to the credit card swipe terminal to verify the authorization information; The receiving module is further configured to receive a verification result of the authorization information by the bank credit card swipe terminal; and the input module is further configured to input the amount of consumption and perform credit card consumption when the verification result is that the user can perform the credit card consumption.
一種透過移動終端進行信用卡消費的方法，該方法包括如下步驟：當用戶需要進行信用卡刷卡消費時，與該銀行信用卡系統之間建立無線通訊通道；輸入用戶登錄該銀行信用卡系統的密碼，以確認該用戶是否可以透過該移動終端登錄到銀行信用卡系統；當用戶輸入的密碼不正確時，直接結束流程，否則，接收銀行信用卡系統傳送過來的授權資訊；將所述授權資訊發送給信用卡刷卡終端，使其對該授權資訊進行驗證；接收銀行信用卡刷卡終端對該授權資訊的驗證結果；當驗證結果為用戶不可以進行刷卡消費時，直接結束流程，否則，輸入消費的金額，進行刷卡消費。 A method for credit card consumption through a mobile terminal, the method comprising the steps of: establishing a wireless communication channel with the bank credit card system when the user needs to perform credit card credit consumption; inputting a password of the user logging in to the bank credit card system to confirm the Whether the user can log in to the bank credit card system through the mobile terminal; when the password input by the user is incorrect, the process ends directly; otherwise, the authorization information transmitted by the bank credit card system is received; and the authorization information is sent to the credit card swipe terminal, so that The verification information is verified; the verification result of the authorization information is received by the bank credit card swipe terminal; when the verification result is that the user cannot perform the credit card consumption, the process is directly ended; otherwise, the amount of consumption is input, and the credit card consumption is performed.
相較於習知技術，所述移動終端進行信用卡消費，方便用戶在忘記攜帶信用卡的情況下，也能進行刷卡消費。 Compared with the prior art, the mobile terminal performs credit card consumption, which is convenient for the user to perform credit card consumption even if the user forgets to carry the credit card.
10‧‧‧銀行信用卡系統 10‧‧‧Bank Credit Card System
20‧‧‧移動終端 20‧‧‧Mobile terminal
30‧‧‧銀行信用卡刷卡終端 30‧‧‧Bank credit card swipe terminal
210‧‧‧通訊連接模組 210‧‧‧Communication connection module
211‧‧‧輸入模組 211‧‧‧ input module
212‧‧‧判斷模組 212‧‧‧Judgement module
213‧‧‧接收模組 213‧‧‧ receiving module
214‧‧‧發送模組 214‧‧‧Transmission module
圖1為本發明透過移動終端進行信用卡消費的較佳實施例的移動終端的架構圖。 FIG. 1 is a structural diagram of a mobile terminal according to a preferred embodiment of a credit card consumption of a mobile terminal according to the present invention.
圖2為本發明透過移動終端進行信用卡消費的方法較佳實施例的 流程圖。 2 is a preferred embodiment of a method for credit card consumption by a mobile terminal according to the present invention flow chart.
如圖1所示，是本發明透過移動終端進行信用卡消費的較佳實施例的移動終端的架構圖。該移動終端20能夠訪問銀行信用卡系統10及銀行信用卡刷卡終端30。所述的銀行信用卡系統10保存有信用卡用戶的信用資料，並可以根據用戶的請求生成信用卡刷卡時的授權資訊，所述授權資訊包括用戶的信用卡卡號、申請日期、有效期限、用戶名字及生成該授權資訊的時間戳，授權資訊是以二維條碼的格式進行存儲，每一個授權資訊都有一定的期限，例如，假設用戶要到商場買衣服，該信用卡用戶首先透過移動終端20與銀行信用卡系統10進行通訊連接，請求銀行信用卡系統10生成一個授權資訊，之後移動終端20接收該授權資訊，將該授權資訊發送給銀行信用卡刷卡終端30進行驗證，若驗證合格，用戶就可以進行刷卡消費。所述銀行信用卡刷卡終端30用於接收移動終端20發送過來的授權資訊並對其進行驗證，若授權資訊有效，則返回驗證結果給移動終端20，使用戶可以透過移動終端20進行刷卡消費，由於所述的授權資訊是包含在一個二維條碼中，通常銀行信用卡刷卡終端30是以鐳射掃描槍對移動終端20的授權資訊進行掃描，透過驗證該授權資訊是否過期(如，從生成到失效一般為兩個小時)，該授權資訊是否已經使用，然後得出驗證結果，若使用期限過期或者已經使用，則無法進行刷卡消費。 FIG. 1 is a structural diagram of a mobile terminal according to a preferred embodiment of the present invention for performing credit card consumption through a mobile terminal. The mobile terminal 20 is capable of accessing the bank credit card system 10 and the bank credit card swipe terminal 30. The bank credit card system 10 stores credit information of a credit card user, and can generate authorization information when the credit card is swiped according to the user's request, the authorization information includes the user's credit card number, application date, expiration date, user name, and generation of the The time stamp of the authorization information, the authorization information is stored in a two-dimensional barcode format, and each authorization information has a certain period of time. For example, if the user wants to go to the mall to buy clothes, the credit card user first uses the mobile terminal 20 and the bank credit card system. 10, performing a communication connection, requesting the bank credit card system 10 to generate an authorization information, and then the mobile terminal 20 receives the authorization information, and sends the authorization information to the bank credit card swipe terminal 30 for verification. If the verification is successful, the user can perform credit card consumption. The bank credit card swipe terminal 30 is configured to receive and verify the authorization information sent by the mobile terminal 20. If the authorization information is valid, the verification result is returned to the mobile terminal 20, so that the user can perform credit card consumption through the mobile terminal 20. The authorization information is included in a two-dimensional barcode. Generally, the bank credit card swipe terminal 30 scans the authorization information of the mobile terminal 20 by using a laser scanner to verify whether the authorization information expires (for example, from generation to failure). For two hours), whether the authorization information has been used, and then the verification result is obtained. If the usage period expires or has been used, the credit card consumption cannot be performed.
所述的移動終端20具有無線資料通訊功能，能與所述的銀行信用卡系統10及銀行信用卡刷卡終端30建立無線通訊連接，進而與所述的銀行信用卡系統10及銀行信用卡刷卡終端30進行無線資料通 訊。該無線通訊連接可以是藍牙(Bluetooth)連接、Zigbee連接或無線局域網路(wireless local area network，簡稱WLAN)連接，也可以是無線通訊網路(如，Global System for Mobile Communications，全球移動通訊系統)連接。所述的移動終端20可以是手機、個人數位助理(personal digital assistant，簡稱PDA)、掌上電腦或其他任何能夠進行無線通訊的設備。該移動終端20包括有通訊連接模組210，輸入模組211，判斷模組212，接收模組213及發送模組214。 The mobile terminal 20 has a wireless data communication function, and can establish a wireless communication connection with the bank credit card system 10 and the bank credit card swipe terminal 30, and then perform wireless data with the bank credit card system 10 and the bank credit card swipe terminal 30. through News. The wireless communication connection may be a Bluetooth connection, a Zigbee connection or a wireless local area network (WLAN) connection, or a wireless communication network (eg, Global System for Mobile Communications). . The mobile terminal 20 can be a mobile phone, a personal digital assistant (PDA), a palmtop computer, or any other device capable of wireless communication. The mobile terminal 20 includes a communication connection module 210, an input module 211, a determination module 212, a reception module 213, and a transmission module 214.
所述通訊連接模組210，用於當用戶需要進行信用卡刷卡消費時，與銀行信用卡系統10之間建立無線通訊通道。所述的無線通訊通道是透過藍牙、Zigbee、無線局域網路或無線通訊網路(如，GSM：Global System for Mobile Communications，全球移動通訊系統)進行連接的無線通訊通道。 The communication connection module 210 is configured to establish a wireless communication channel with the bank credit card system 10 when the user needs to perform credit card credit consumption. The wireless communication channel is a wireless communication channel connected through Bluetooth, Zigbee, a wireless LAN or a wireless communication network (eg, GSM: Global System for Mobile Communications).
所述輸入模組211，用於輸入用戶的登錄該銀行信用卡系統10的密碼，以確認該用戶是否可以透過該移動終端20登錄到銀行信用卡系統10。 The input module 211 is configured to input a password of the user to log in to the bank credit card system 10 to confirm whether the user can log in to the bank credit card system 10 through the mobile terminal 20.
所述判斷模組212，用於判斷用戶輸入的密碼是否正確。若密碼正確，用戶可以透過移動終端20登錄到銀行信用卡系統10，向銀行信用卡系統10發送授權資訊生成請求，銀行信用卡系統10根據該請求生成該用戶的授權資訊，使該用戶能夠透過該授權資訊進行刷卡消費。所述授權資訊包括用戶的信用卡卡號、申請日期、有效期限、用戶名字及生成該授權資訊的時間戳。若密碼錯誤，則不能登錄。 The determining module 212 is configured to determine whether the password input by the user is correct. If the password is correct, the user can log in to the bank credit card system 10 through the mobile terminal 20, and send an authorization information generation request to the bank credit card system 10. The bank credit card system 10 generates authorization information of the user according to the request, so that the user can pass the authorization information. Make credit card spending. The authorization information includes the user's credit card number, application date, expiration date, user name, and time stamp for generating the authorization information. If the password is incorrect, you cannot log in.
所述接收模組213，用於接收銀行信用卡系統10傳送過來的授權 資訊。所述的授權資訊是包含在一個二維條碼中。 The receiving module 213 is configured to receive the authorization transmitted by the bank credit card system 10. News. The authorization information is included in a two-dimensional barcode.
所述發送模組214，用於將所述授權資訊發送給銀行信用卡刷卡終端30，使其對該授權資訊進行驗證。具體而言，由於所述的授權資訊是一個二維條碼，用戶可以透過短信的形式發送給信用卡刷卡終端，也可以透過信用卡刷卡終端上的激光電子槍對該二維條碼進行掃描的方式進行驗證。透過驗證該授權資訊是否過期(如，從生成到失效一般為兩個小時)，該授權資訊是否已經使用，然後得出驗證結果，若使用期限過期或者已經使用，則無法使用該授權資訊進行刷卡消費。 The sending module 214 is configured to send the authorization information to the bank credit card swipe terminal 30 to verify the authorization information. Specifically, since the authorization information is a two-dimensional barcode, the user can send the credit card to the credit card card terminal, or can scan the two-dimensional barcode through the laser electron gun on the credit card swipe terminal. By verifying whether the authorization information has expired (for example, two hours from generation to failure), whether the authorization information has been used, and then the verification result is obtained. If the usage period expires or has been used, the authorization information cannot be used for credit card verification. consumption.
所述接收模組213，還用於接收銀行信用卡刷卡終端30對該授權資訊的驗證結果。 The receiving module 213 is further configured to receive a verification result of the authorization information by the bank credit card swipe terminal 30.
所述判斷模組212，還用於根據上述的驗證結果判斷用戶是否可以進行刷卡消費。具體而言，若驗證結果是該授權資訊有效，則用戶可以進行刷卡消費，若無效，則不能進行刷卡消費。 The determining module 212 is further configured to determine, according to the verification result, whether the user can perform credit card consumption. Specifically, if the verification result is that the authorization information is valid, the user can perform credit card consumption, and if invalid, the credit card consumption cannot be performed.
所述輸入模組211，還用於當驗證結果為用戶可以進行刷卡消費時，輸入消費的金額，進行刷卡消費。用戶輸入金額後，銀行信用卡刷卡終端30自動從用戶的信用卡帳戶中扣除相應金額。 The input module 211 is further configured to input the amount of consumption when the verification result is that the user can perform the credit card consumption, and perform the credit card consumption. After the user inputs the amount, the bank credit card swipe terminal 30 automatically deducts the corresponding amount from the user's credit card account.
如圖2所示，是本發明透過移動終端進行信用卡消費的方法較佳實施例的流程圖。首先，步驟S10，當用戶需要進行信用卡刷卡消費時，通訊連接模組210與銀行信用卡系統10之間建立無線通訊通道。所述的無線通訊通道是透過藍牙、Zigbee、無線局域網路或無線通訊網路(如，Global System for Mobile Communications，全球移動通訊系統)進行連接的無線通訊通道 。 2 is a flow chart of a preferred embodiment of a method for credit card consumption by a mobile terminal of the present invention. First, in step S10, when the user needs to perform credit card swiping, the communication connection module 210 establishes a wireless communication channel with the bank credit card system 10. The wireless communication channel is a wireless communication channel connected through Bluetooth, Zigbee, wireless LAN or wireless communication network (eg, Global System for Mobile Communications). .
步驟S11，輸入模組211輸入用戶登錄該銀行信用卡系統10的密碼，以確認該用戶是否可以透過該移動終端20登錄到銀行信用卡系統10。 In step S11, the input module 211 inputs the password of the user to log in to the bank credit card system 10 to confirm whether the user can log in to the bank credit card system 10 through the mobile terminal 20.
步驟S12，判斷模組212判斷用戶輸入的密碼是否正確。具體而言，若密碼不正確，則結束流程，若密碼正確，用戶可以透過移動終端20登錄到銀行信用卡系統10，向銀行信用卡系統10發送授權資訊生成請求，銀行信用卡系統10根據該請求，生成該用戶的授權資訊，使該用戶能夠透過該授權資訊進行刷卡消費。所述授權資訊包括用戶的信用卡卡號、申請日期、有效期限、用戶名字及生成該授權資訊的時間戳。 In step S12, the determining module 212 determines whether the password input by the user is correct. Specifically, if the password is incorrect, the process ends. If the password is correct, the user can log in to the bank credit card system 10 through the mobile terminal 20, and send an authorization information generation request to the bank credit card system 10, and the bank credit card system 10 generates the request according to the request. The user's authorization information enables the user to swipe the card through the authorization information. The authorization information includes the user's credit card number, application date, expiration date, user name, and time stamp for generating the authorization information.
步驟S13，接收模組213接收銀行信用卡系統10傳送過來的授權資訊。所述的授權資訊是包含在一個二維條碼中。 In step S13, the receiving module 213 receives the authorization information transmitted by the bank credit card system 10. The authorization information is included in a two-dimensional barcode.
步驟S14，發送模組214將所述授權資訊發送給銀行信用卡刷卡終端30，使其對該授權資訊進行驗證。具體而言，由於所述的授權資訊是一個二維條碼，用戶可以透過短信的形式發送給信用卡刷卡終端，也可以透過信用卡刷卡終端上的激光電子槍對該二維條碼進行掃描的方式進行驗證。透過驗證該授權資訊是否過期(如，從生成到失效一般為兩個小時)，該授權資訊是否已經使用，然後得出驗證結果，若使用期限過期或者已經使用，則無法使用該授權資訊進行刷卡消費。 In step S14, the sending module 214 sends the authorization information to the bank credit card swipe terminal 30 to verify the authorization information. Specifically, since the authorization information is a two-dimensional barcode, the user can send the credit card to the credit card card terminal, or can scan the two-dimensional barcode through the laser electron gun on the credit card swipe terminal. By verifying whether the authorization information has expired (for example, two hours from generation to failure), whether the authorization information has been used, and then the verification result is obtained. If the usage period expires or has been used, the authorization information cannot be used for credit card verification. consumption.
步驟S15，接收模組213接收銀行信用卡刷卡終端30對該授權資訊的驗證結果。 In step S15, the receiving module 213 receives the verification result of the authorization information by the bank credit card swipe terminal 30.
步驟S16，判斷模組212根據上述的驗證結果判斷用戶是否可以進行刷卡消費。具體而言，若驗證結果是該授權資訊有效，則用戶可以進行刷卡消費，若無效，則不能進行刷卡消費。 In step S16, the determining module 212 determines whether the user can perform credit card consumption according to the verification result. Specifically, if the verification result is that the authorization information is valid, the user can perform credit card consumption, and if invalid, the credit card consumption cannot be performed.
步驟S17，當驗證結果為用戶可以進行刷卡消費時，輸入模組211輸入消費的金額，進行刷卡消費。用戶輸入金額後，銀行信用卡刷卡系統10自動從用戶的信用卡帳戶中扣除相應金額。 In step S17, when the verification result is that the user can perform credit card consumption, the input module 211 inputs the amount of consumption and performs credit card consumption. After the user enters the amount, the bank credit card swipe system 10 automatically deducts the corresponding amount from the user's credit card account.
在步驟S16中，當驗證結果為用戶不能進行刷卡消費時，直接結束流程。 In step S16, when the verification result is that the user cannot perform credit card consumption, the process is directly ended.
以上實施例僅用以說明本發明的技術方案而非限制，儘管參照以上較佳實施例對本發明進行了詳細說明，本領域的普通技術人員應當理解，可以對本發明的技術方案進行修改或等同替換都不應脫離本發明技術方案的精神和範圍。 The above embodiments are only used to illustrate the technical solutions of the present invention and are not intended to be limiting, and the present invention will be described in detail with reference to the preferred embodiments thereof, and those skilled in the art should understand that the technical solutions of the present invention may be modified or substituted. Neither should the spirit and scope of the technical solutions of the present invention be deviated.
10‧‧‧銀行信用卡系統 10‧‧‧Bank Credit Card System
20‧‧‧移動終端 20‧‧‧Mobile terminal
30‧‧‧銀行信用卡刷卡終端 30‧‧‧Bank credit card swipe terminal
210‧‧‧通訊連接模組 210‧‧‧Communication connection module
211‧‧‧輸入模組 211‧‧‧ input module
212‧‧‧判斷模組 212‧‧‧Judgement module
213‧‧‧接收模組 213‧‧‧ receiving module
214‧‧‧發送模組 214‧‧‧Transmission module
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| TW097129210A TWI503767B (en) | 2008-08-01 | 2008-08-01 | Mobile device and method for using credit card for payment |
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| TW097129210A TWI503767B (en) | 2008-08-01 | 2008-08-01 | Mobile device and method for using credit card for payment |
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| TW201007593A TW201007593A (en) | 2010-02-16 |
| TWI503767B true TWI503767B (en) | 2015-10-11 |
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| TW201007593A (en) | 2010-02-16 |
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