TWI525563B - Payment system, payment method and mobile communication device - Google Patents

Description

Payment system, payment method and mobile communication device

The present invention relates to a commercial system and method, and more particularly to a payment system, payment method, and mobile communication device.

The main function of the original mobile phone is to talk. After the mobile phone communication adopts the broadband network standard, the main function of the mobile phone is combined with the exchange of information between the newsletter and the network. If information encryption authentication technology and financial services are added, it can be used as an "action payment" application.

The current payment method is roughly divided into two types: near-end sensing and remote operation:

(1) Near-end inductive: By means of short-range wireless sensing, to complete paid work, such as a mobile phone, etc., an additional sensing medium (such as radio frequency identification or IC chip) needs to be combined with the mobile phone. (2) Remote operation type: The mode of transferring the remote message of the mobile phone and the mode of the menu operation to complete the paid operation. The transmitted message can be a text message, a sound, etc., and is completed with a specific chip and program.

It can be seen that the above existing methods are obviously still quite different. There is no fixed practice, and there are many restrictions on the application of cross-treng operators, cross-industries and inter-banks. Many technologies also require consumers to change their mobile phones or SIM cards. It is a cost for the store to install sensors, and needs to be further improved. In order to solve the above problems, the relevant fields have not exhausted their efforts to seek solutions, but the methods that have not been applied for a long time have been developed. Therefore, how to enable users to make more convenient action payments is one of the current important research and development topics, and it has become an urgent need for improvement in related fields.

Accordingly, one aspect of the present invention is to provide a payment system, payment method, and mobile communication device that allows users to enjoy more convenient mobile payments.

According to an embodiment of the invention, a payment system includes at least one host and a cash register system, and the host includes a network module and a processing module, and the cash register system includes a connection unit, a barcode scanner, a verification unit, and a processing unit. In the host, the network module is configured to be connected to an online bank. After the mobile communication device has accessed the online banking account with a financial account, the network module processes the payment request from the mobile communication device. The module is configured to send a dynamic code to the mobile communication device through the network module according to the payment request, and update the dynamically encoded content every predetermined time, so that the mobile communication device displays a dynamic barcode according to the dynamic coding, and the dynamic barcode is The content is updated accordingly every predetermined time. In the cash register system, the connection unit is used to connect with the host, the barcode scanner is used to scan the dynamic barcode to read the dynamic code, and the verification unit is used to obtain the authorization of the host according to the dynamic coding. When the host authorizes, the processing unit uses A payment fee information is transmitted to the host through the connection unit, so that the online bank can manage the payment amount of the financial account according to the payment fee information.

The host may also include a database for recording billing information corresponding to the financial account based on the payment fee information.

In the above cash register system, the processing unit generates payment fee information based on a commodity price.

The above mobile communication device is a mobile phone.

According to another embodiment of the present invention, a payment method includes the following steps: after a mobile communication device has accessed a network bank with a financial account, when a host receives a payment request from the mobile communication device, The payment request sends a dynamic code to the mobile communication device, and updates the dynamically encoded content every predetermined time, so that the mobile communication device displays a dynamic barcode according to the dynamic coding, and the content of the dynamic barcode is updated correspondingly every predetermined time; The dynamic barcode is scanned by a cash register system to read the dynamic code, and the authorization of the host is obtained according to the dynamic coding; when the host is authorized, a payment fee information is transmitted to the host through the cash register system, so that the online bank can pay the financial information according to the payment information. The account is used for payment amount management.

In the above payment method, the accounting data corresponding to the financial account number can be recorded in the database of the host based on the payment fee information.

In the above payment method, the cash register system generates payment fee information based on a commodity price.

In the above payment method, the mobile communication device is a mobile phone.

According to still another embodiment of the present invention, a mobile communication device includes a communication unit, a login unit, a processing unit, and a display unit. The login unit is configured to log in to an online bank via a communication unit via a financial account, wherein the online bank is connected to the host. When the login unit has logged into the online banking, the processing unit is configured to send a payment request to a host through the communication unit, so that the host responds to a dynamic encoding, wherein the dynamically encoded content is updated every predetermined time. The display unit is configured to display a dynamic barcode according to dynamic coding, and the content of the dynamic barcode is updated correspondingly every predetermined time.

The above mobile communication device can also include an input unit. In use, the input unit is used to accept input of a payment request.

In summary, the technical solution of the present invention has obvious advantages and beneficial effects compared with the prior art. With the above technical solutions, considerable technological progress can be achieved, and industrially widely used value, which has at least the following advantages:

1. Use dynamic barcodes to prevent counterfeiting, theft and other issues;

2. Store the bar code scanner of the household cash register, no need to install a new sensor;

3. The mobile device holder can perform payment by means of the technical solution of the present invention without relying on the specific mobile device or the telecommunication operator to which the chip card such as the SIM card belongs.

The above description will be described in detail in the following embodiments, and further explanation of the technical solutions of the present invention will be provided.

In order to make the description of the present invention more complete and complete, reference is made to the accompanying drawings and the accompanying drawings. On the other hand, well-known elements and steps are not described in the embodiments to avoid unnecessarily limiting the invention.

In the scope of the embodiments and patent applications, the description of "connection" may refer to wired communication, wireless communication, or a combination thereof.

In the scope of the embodiments and patent applications, unless the context specifically dictates the articles, "a" and "the" may mean a single or plural.

The technical aspect of the present invention is a payment system and a payment method, which can be applied to a payment payment at a convenience store or widely used in related technical aspects. The specific implementation of the payment system and payment method will be described below with reference to FIG.

1 is a schematic diagram of a payment system in accordance with an embodiment of the present invention. As shown in FIG. 1 , the payment system includes a host 100 and a cash register system 200. The cash register system 200 is connected to the host 100, and the host 100 is connected to the online bank 300, wherein the connection mode can be through a specific line and/or the Internet. Roads, wireless networks and wired networks are integrated and used, and power lines are integrated with optical fibers, telephone lines, cables, or heterogeneous networks such as power lines and wireless communication networks. In practice, the cash register system 200 can be installed in a store, where the store can be a convenience store, an electric appliance store, a repair station, a drug store, a department store counter, or other retail store. If the user uses the cash register system 200 to read the dynamic barcode of the mobile communication device 400 when the mobile communication device 400 is used by the user, the host 100 can be requested by the host 100 to debit the user's financial account. The aforementioned mobile communication device 400 can be a mobile phone, a smart phone, a watch mobile phone, a personal digital assistant, a portable game machine, a tablet computer, a notebook computer, a mobile Internet device (MID) or the like.

In order to enjoy the above-mentioned convenient action deduction mode, in the application operation, the user can fill in the application form at the bank to apply for the financial account of the online bank. Then, the user can download and install the banking mobile banking software by using the mobile communication device 400, and log in to the mobile banking software to complete the basic settings of the mobile banking software (eg, setting/changing the software login password, setting/changing the remittance). , transfer or microfinance services).

In the enablement operation, the user logs in to the online bank 300 through the mobile banking software via the mobile communication device 400, thereby enabling the setting of the financial account, and then setting the automatic stored value.

In the operation, when the user consumes the store, the user can use the mobile communication device 400 to log in to the online bank 300 through the mobile banking software, and issue a payment request through the mobile banking software. After the mobile communication device 400 has logged into the online bank 300 with the financial account, when the host 100 receives the payment request from the mobile communication device 400, the host 100 transmits a dynamic code to the mobile communication device 400 according to the payment request, and each The dynamically encoded content is updated every predetermined time, so that the mobile communication device 400 displays a dynamic barcode according to dynamic coding, and the content of the dynamic barcode is updated correspondingly every predetermined time. In this way, problems such as counterfeiting and misappropriation are prevented. In practice, the dynamic bar code can be in the form of a one-dimensional bar code, a two-dimensional bar code, a QR code, a color bar code, or a graphic identification element arranged according to other encoding rules.

Then, the user can hold the mobile communication device 400 to the counter to check the purchased goods, and the cash register system 300 generates the payment expense information according to the commodity price or the barcode information obtained by the barcode scanner, and the barcode information includes the commodity item, Type, product history, verification or certification, quantity, specification, function, quality, time or time limit, area, production and processing packaging, sales return, recycling, etc., production or sales process, price or recommended price, discount conditions, purchase target or other purchase conditions The information or its abstract, code, and the cash register system 300 can scan the dynamic barcode to read the dynamic encoding, and obtain the authorization of the host 100 according to the dynamic encoding; when the host 100 authorizes, the payment fee information is transmitted to the host through the cash register system 300. 100, so that the online bank 300 can manage the payment amount of the financial account according to the payment fee information (for example, stored value deduction, account deduction, transfer deduction, transfer stored value, credit stored value or credit transaction). In this way, the user can use the mobile communication device 400 to display the dynamic bar code to complete the payment easily. On the other hand, the original bar code scanner of the store home cash register can read the dynamic bar code without installing a new sensor.

In order to explain the above-described mobile communication device 400 in more detail, reference is made to Fig. 2. 2 is a block diagram of a mobile communication device 400 in accordance with an embodiment of the present invention. As shown in FIG. 2, the mobile communication device 400 includes a communication unit 410, an entry unit 420, a processing unit 430, and a display unit 440.

When the user consumes the store, the user can use the dynamic barcode of the mobile communication device 400 as a medium for mobile payment. Specifically, when the mobile communication device 400 is used, the login unit 420 is configured to log in to an online bank 300 via the communication unit 410 as a financial account. When the communication unit 410 has logged into the online banking 300, the processing unit 430 is configured to send a payment request to a host through the communication unit, so that the host responds to a dynamic encoding, wherein the dynamically encoded content is updated every predetermined time. The display unit 440 is configured to display a dynamic barcode according to dynamic coding, and the content of the dynamic barcode is updated correspondingly every predetermined time.

The mobile communication device 400 can also include an input unit 450. In use, the user can input a payment request through the input unit 450, and the input unit 450 is configured to accept the input of the payment request. In practice, the input unit 450 can be a keyboard, a touch device, or the like. For example, the input unit 450 and the display unit 440 can be integrated into a touch screen.

In the mobile communication device 400, the communication unit 410, the login unit 420, the processing unit 430, and the like as described above may be a software body, a hardware body, and/or a carcass body. For example, if the execution speed and accuracy are the primary considerations, the units can basically be dominated by hardware and/or carcass; if design flexibility is the primary consideration, then these units are basically optional software. Mainly (such as: stored value/point account management and payment software, e-wallet payment software, smart card payment software, online credit card payment software); or, these units can use software at the same time (such as: the above action bank Software, online banking software or network ATM software), hardware and carcass work together. It should be understood that the above examples are not intended to limit the present invention, and are not intended to limit the present invention. Those skilled in the art will be able to flexibly select the implementation of the units as needed.

For a more detailed explanation of the payment system described above, reference is made to Figure 3. FIG. 3 is a block diagram of a host 100 and a cash register system 200 in accordance with an embodiment of the present invention. As shown in FIG. 3, the host 100 includes a network module 110 and a processing module 120. The cash register system 200 includes a connection unit 210, a barcode scanner 220, a verification unit 230, and a processing unit 240.

In the host 100, the network module 110 is used to connect to the online banking 300. After the mobile communication device 400 has entered the online banking 300 with a financial account, the network module 110 receives a message from the mobile communication device 400. When the request is made, the processing module 120 is configured to send a dynamic code to the mobile communication device 400 through the network module 110 according to the payment request, and update the dynamically encoded content every predetermined time, so that the mobile communication device 400 is dynamically coded according to the dynamic coding. To display a dynamic barcode, and the content of the dynamic barcode is updated correspondingly every predetermined time.

When the user holds the mobile communication device 400 to the counter checkout, in the cash register system 200, the connection unit 210 is used to connect with the host 100, and the barcode scanner 220 is configured to scan the dynamic barcode to read the dynamic code, and the verification unit 230 The authorization unit 240 is configured to transmit a payment expense information to the host through the connection unit when the host authorizes, so that the online bank 300 can manage the payment amount of the financial account according to the payment expense information. .

Generally, when the cash register system 200 is used, a commodity price may be manually input, or the barcode may be scanned by the barcode scanner 220 to obtain the commodity price or the barcode information. Then, the processing unit 240 generates the commodity price or the barcode information according to the commodity price or the barcode information. Pay the fee information. The bar code information includes the product item, type, product history, verification or certification, quantity, specification, function, quality, time or time limit, area, production and processing packaging, sales return and other production and sales processes, price or recommended price, discount Information such as conditions, purchase objects or other purchase conditions or their abstracts and codes.

In the cash register system 200, as described above, the connection unit 210, the verification unit 230, the processing unit 240, and the like may be a soft body, a hardware body, and/or a body. For example, if the execution speed and accuracy are the primary considerations, the units can basically be dominated by hardware and/or carcass; if design flexibility is the primary consideration, then these units are basically optional software. Mainly; or, these units can work together in software, hardware and carcass. It should be understood that the above examples are not intended to limit the present invention, and are not intended to limit the present invention. Those skilled in the art will be able to flexibly select the implementation of the units as needed.

On the other hand, the host 100 may also include a database 130 for recording the billing information corresponding to the financial account based on the above payment fee information, so as to facilitate account management, transfer, stored value, credit value or Trading, accounting clearing or settlement, such as data clearing, accounting processing, accounting query, day-end processing and other functions.

In the host 100, the specific implementation of the network module 110 and the processing module 120 may not be all software programs or all hardware circuits, and may be partially software programs or partially hardware circuits. In practice, the number of hosts 100 can be single or multiple. Integrating the database 130 into a single host or splitting into multiple databases to multiple hosts remains an embodiment of the present invention.

Although the present invention has been disclosed in the above embodiments, it is not intended to limit the present invention, and the present invention can be modified and modified without departing from the spirit and scope of the present invention. The scope is subject to the definition of the scope of the patent application attached.

100. . . Host

110. . . Network module

120. . . Processing module

130. . . database

200. . . Cash register system

210. . . Connection unit

220. . . Barcode scanner

230. . . Verification unit

240. . . Processing unit

300. . . Online banking

400. . . Mobile communication device

410. . . Communication unit

420. . . Login unit

430. . . Processing unit

440. . . Display unit

450. . . Input unit

The above and other objects, features, advantages and embodiments of the present invention will become more apparent and understood.

1 is a schematic diagram of a payment system in accordance with an embodiment of the present invention;

2 is a block diagram of a mobile communication device in accordance with an embodiment of the present invention;

3 is a block diagram of a host and cash register system in accordance with an embodiment of the present invention.

100. . . Host

200. . . Cash register system

300. . . Online banking

400. . . Mobile communication device

Claims (10)

A payment system comprising: at least one host, comprising: a network module for connecting to an online bank; and a processing module for logging in to the online bank with a financial account in a mobile communication device Later, when the network module receives a payment request from the mobile communication device, according to the payment request, a dynamic code is sent to the mobile communication device through the network module, and the dynamic coding is updated every predetermined time. The content of the mobile communication device is displayed according to the dynamic coding to display a dynamic barcode, and the content of the dynamic barcode is updated correspondingly at the predetermined time; and a cash register system includes: a connection unit for a host code connection; a code scanner for scanning the dynamic bar code to read the dynamic code; a verification unit for obtaining authorization of the host according to the dynamic code; and a processing unit for authorizing the host Transmitting a payment fee information to the host through the connection unit, so that the online bank can make a payment amount for the financial account according to the payment expense information. . The payment system of claim 1, wherein the host further comprises a database for recording accounting information corresponding to the financial account based on the payment expense information. The payment system of claim 1, wherein the processing unit generates the payment fee information based on a commodity price or bar code information obtained by the barcode scanner. The payment system of claim 1, wherein the mobile communication device is a mobile phone, a number of assistants, an electric phone, a tablet computer, a portable game machine, a watch mobile phone or a mobile internet device. A payment method includes: after a mobile communication device has accessed a network bank with a financial account, when a host receives a payment request from the mobile communication device, the host sends a dynamic code to the payment request according to the payment request. The mobile communication device updates the dynamically encoded content every predetermined time, so that the mobile communication device displays a dynamic barcode according to the dynamic encoding, and the content of the dynamic barcode is updated correspondingly at the predetermined time; a cash register system scans the dynamic barcode to read the dynamic code, and obtains authorization of the host according to the dynamic code; and, when the host authorizes, transmits a payment fee information to the host through the cash register system, so that the network The bank is able to manage the payment amount of the financial account based on the payment fee information. The payment method of claim 5, further comprising: recording the accounting data corresponding to the financial account in the database of the host based on the payment expense information. The payment method of claim 6, wherein the cash register system generates the payment fee information based on a commodity price or bar code information. The payment method of claim 6, wherein the mobile communication device is a mobile phone, a number of assistants, a battery, a tablet computer, a portable game machine, a watch mobile phone or a mobile internet device. A mobile communication device includes: a communication unit; a login unit for logging in to an online bank by a financial account through the communication unit, wherein the online bank is connected to the host; and a processing unit is configured to When the login unit has logged into the online banking, send a payment request to a host through the communication unit, and cause the host to respond to a dynamic encoding, wherein the dynamically encoded content is updated every predetermined time; and a display unit And according to the dynamic coding to display a dynamic barcode, and the content of the dynamic barcode is updated correspondingly at the predetermined time. The mobile communication device of claim 9, further comprising: an input unit for accepting the input of the payment request.