TWI529640B - Action payment method and action payment equipment - Google Patents

Description

Mobile payment method and mobile payment device

The present invention relates to a mobile payment method and an action payment device, and more particularly to an action payment method and a mobile payment device for realizing transaction security payment using near field communication.

Electronic wallets or plastic money such as bank cards, credit cards, charge cards or smart cards must use computer systems and digital stored value systems to achieve functions such as value-added and transfer. Since the use of electronic wallet or plastic currency can reduce the need for customers to carry too much cash when shopping, and the store does not have to pay the amount of cash on the spot when the customer pays, it can improve the efficiency and convenience of the transaction. . Thus, in recent years, electronic wallets have been widely accepted and used.

However, the existing traditional non-contact type of stored value smart card usually lacks the function of card authentication, or the card authentication measures are insufficient. Once the card is forged, the store can only bear the risk of loss.

In addition, when using the traditional non-contact type of stored value smart card to make payment, the transaction record generated by each purchase is usually stored at the storefront, but the transaction record is not immediately transmitted to the card issuing unit or payment institution. To verify the authenticity of the stored value smart card, and then request payment. and After the end of one business day, the entire batch of transaction records will be transmitted to the card issuing unit or the payment institution for payment, which is the whole batch settlement. When the batch settlement procedure is not enough, the store will not complete the transaction when the card issuer or the payment institution fails to verify the authenticity of the stored value smart card used in each purchase, which will expose the store. Among the risks of loss.

Accordingly, it is an object of the present invention to provide an action payment method and an action payment device that allow for timely processing of transactions and secure transactions.

Thus, the mobile payment method of the present invention is performed by a computer device capable of interacting with a mobile device having a payment card, the computer device being in communication with a payment institution server. The action payment method includes: receiving a transaction list related to a transaction and a payment regarding the transaction; establishing a wireless short-range communication with the mobile device; transmitting the transaction list via the wireless short-range communication to The mobile device receives, via the wireless short-range communication, a payment instruction from the mobile device, the payment instruction being generated by the mobile device based on at least the transaction list; establishing a session mechanism with the payment institution server, the session mechanism providing a security between the computer device and the payment institution server a communication channel that transmits the payment instruction to the payment institution server under the session mechanism, the payment instruction causing the payment institution server to identify the correctness of the payment card based on the payment instruction upon receiving the payment instruction, and After the payment institution server identifies the payment card as correct, the payment instruction further causes the payment institution server to process the payment according to the transaction list included in the payment instruction; and receive the payment from the payment institution server under the session mechanism As a result of the payment, the payment result is generated by the payment institution server after the payment is completed.

The mobile payment method of the present invention is performed by a mobile device having a payment card that can interact with a computer device. The mobile device and the computer device communicate with a payment institution server. The mobile payment method includes: establishing a wireless short-range communication with the computer device; receiving, via the wireless short-range communication, a transaction list from the computer device, the transaction list being related to a transaction and a payment regarding the transaction; Generating a payment instruction based on at least the transaction list, and transmitting the payment instruction to the computer device via the wireless short-range communication, the payment instruction being provided by the computer device to the payment institution server, and the payment instruction causing the payment institution to servo The device identifies the correctness of the payment card based on the payment instruction upon receipt of the payment instruction, and after the payment institution server recognizes that the payment card is correct, the payment instruction further causes the payment institution server root Processing the payment according to the transaction list included in the payment instruction; and receiving a payment result from the payment institution server, the payment result being generated by the payment institution server after the payment is completed.

The mobile payment device of the present invention can interact with a computer device that communicates with a payment mechanism server, the mobile payment device including a mobile device, the mobile device including a processor, a memory unit, and a card A slot, a short-range communication unit, and a communication unit. The memory unit is coupled to the processor and stores a payment software. The card slot is coupled to the processor and is removably inserted with a payment card, whereby the payment card can be accessed using the mobile device. The short-range communication unit is coupled to the processor and can communicate with the computer device. The communication unit is coupled to the processor and can communicate with the payment institution server. When the processor executes the payment software, the payment software causes the mobile payment device to establish a wireless short-range communication with the computer device, and receive a transaction list from the computer device via the wireless short-range communication, the transaction list is related Transmitting, by a transaction, a payment instruction based on at least the transaction list, and transmitting the payment instruction to the computer device via the wireless short-range communication, the payment instruction being provided by the computer device to the payment institution servo And the payment instruction causes the payment institution server to identify the correctness of the payment card based on the payment instruction upon receiving the payment instruction, and after the payment institution server recognizes that the payment card is correct, the payment instruction further Make the payment institution server root The payment is processed according to the transaction list included in the payment instruction, and a payment result from the payment institution server is received, the payment result being generated by the payment institution server after the payment is completed.

The effect of the present invention is that the payment behavior using the fake card can be detected by recognizing the correctness of the payment card based on the payment instruction generated by the mobile device. Moreover, by instantly transmitting the payment instruction of the corresponding transaction list to the payment institution server, the payment of each transaction can be processed in time. In this way, it is possible to avoid the loss caused by fraud payment or transaction record non-correspondence.

100‧‧‧ system

1‧‧‧Computer equipment

11‧‧‧Processing module

12‧‧‧ memory module

120‧‧‧ transaction software

121‧‧‧Security components

13‧‧‧ Near Field Communication Module

14‧‧‧Input/Output Module

15‧‧‧Communication module

2‧‧‧Mobile payment equipment

20‧‧‧ mobile devices

21‧‧‧ Processor

22‧‧‧Payment Card

220‧‧‧Control Module

221‧‧‧Financial Chip

222‧‧‧ Controller chip

223‧‧‧Application interface

224‧‧‧Control firmware

225‧‧‧ storage unit

226‧‧‧System section

227‧‧‧Storage section

228‧‧‧Hidden Information Area

229‧‧‧visible area

23‧‧‧ Near Field Communication Unit

24‧‧‧Input/output unit

25‧‧‧Communication unit

26‧‧‧ card slot

27‧‧‧ memory unit

270‧‧‧Payment software

271‧‧‧ Personalized application

3‧‧‧ platform server

4‧‧‧Payment agency system

5‧‧‧Payment agency server

S11~S18‧‧‧ Process steps

S21~S29‧‧‧ Process steps

S31~S35‧‧‧ Process steps

A1~A8‧‧‧ Process steps

B1~B10, B7’, B10’‧‧‧ process steps

Other features and effects of the present invention will be apparent from the following description of the drawings. FIG. 1 is a block diagram illustrating a system including a computer device and a mobile payment device; FIG. Illustrating that the mobile payment device can communicate with different computer devices; FIG. 3A to FIG. 3C are flowcharts illustrating the flow steps of the mobile payment method of the present invention; and FIGS. 4 to 12 illustrate various stages in the mobile payment method. The message output by the input/output module of the computer device and the input/output unit of the mobile device.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are denoted by the same reference numerals.

Referring to Figure 1, a system 100 is adapted to perform a mobile payment method that processes a payment associated with a transaction. The system 100 includes a computer device 1 and a mobile payment device 2. For example, the computer device 1 is held by a store and the mobile payment device 2 is held by a consumer. The mobile payment device 2 includes a mobile device 20 and an add-on card 22 that is removably inserted into a card slot 26 of the mobile device 20. The computer device 1 can interact with the mobile device 20 having the payment card 22. The computer device 1 and the mobile device 20 can communicate with a payment mechanism server 5.

In this embodiment, the computer device 1 may be one of a personal computer, a notebook computer, a tablet computer, a smart phone, and a mobile electronic device (see FIG. 2). The computer device 1 is required to have a network connection function to execute a transaction software 120, which enables the computer device 1 to execute the mobile payment method of the present invention.

The payment institution server 5 is operated by a payment institution that issues a payment card to a consumer. In this implementation, the payment mechanism server 5 includes a platform server 3 and a payment mechanism system 4. The platform server 3 is used for communication with the computer device 1 and the mobile device 20. The payment mechanism system 4 is coupled to the platform. Server 3. In different implementations, the platform server 3 and the payment mechanism system 4 may be integrated into one component (for example, a server), or may be implemented as two separate components, and the two separate components pass through a dedicated channel. Or session mechanism communication. Taking the latter two embodiments as an example, the platform server 3 may be operated by a third party (not a payment mechanism).

Referring to FIG. 1, the computer device 1 includes a memory module 12 storing the transaction software 120, a near field communication module 13, an input/output module 14, a communication module 15, and a memory coupled to the memory. The body module 12, the near field communication module 13, the input/output module 14 and the processing module 11 of the communication module 15.

In this embodiment, the computer device 1 having the near field communication module 13 has a near field communication function, and the near field communication module 13 is an external device connected to the computer device 1, such as an external USB near field communication device. (dongle) or a USB near field communication reader (reader). In another embodiment, the near field communication module 13 can be an internal modeling group embedded in the computer device 1. The input/output module 14 can include a mouse/keyboard, a touch screen, or a speaker/display, but is not limited thereto. The communication module 15 enables the computer device 1 to establish communication with the payment institution server 5.

The mobile payment device 2 can interact with the computer device 1. The mobile device 20 of the mobile payment device 2 can be a smart phone or a tablet computer or the like. The mobile device 20 includes a memory unit 27, a card slot 26, an input/output unit 24, a short-range communication unit (such as a near-field communication unit 23), a communication unit 25, and a coupling to the near field communication. The unit 23, the input/output unit 24, the communication unit 25, the card slot 26 and the processor 21 of the memory unit 27. The memory unit 27 stores a payment software 270 and a personalization application 271. Card slot 26 is removably inserted into payment card 22 to enable mobile device 20 to access payment card 22. The near field communication unit 23 can communicate with the computer device 1. The communication unit 25 can communicate with the payment institution server 5. In another implementation, the payment card 22 can be coupled to an interface. The device is configured to enable the mobile device 20 to access the payment card 22 via the interface device. The interface device is coupled to the mobile device 20 via a USB interface of the mobile device 20.

In the present embodiment, the near field communication unit 23 supports the near field communication function. The input/output unit 24 may include a mouse/keyboard, a touch screen or a speaker/display, etc., but is not limited thereto. The processor 21 of the mobile device 20 executes the payment software 270 stored in the memory unit 27, and the payment software 270 causes the mobile device 20 to cooperate with the support card 22 to perform the mobile payment method of the present invention.

When the computer device 1 and the mobile device 20 are adjacent to each other for the near field communication payment, the computer device 1 and the mobile device 20 can establish wireless short-range communication (such as near field) via the near field communication module 13 and the near field communication unit 23. communication).

In the present embodiment, the add-on card 22 is implemented as an SD card. The support card 22 includes a control module 220, a financial chip 221, and a storage unit 225. The financial chip 221 complies with the FISC II specification.

The control module 220 includes a controller chip 222, a control firmware 224 loaded in a ROM (read-only memory), and an application program interface (API) 223. The controller chip 222 and the ROM may be integrated using an integrated circuit package and juxtaposed with the storage unit 225.

When the add-in card 22 is inserted into the card slot 26, the processor 21 can access the financial chip 221 and the storage unit 225 via the control firmware 224. Application interface 223 and control firmware 224 can be based on payment software 270 or personalized The instructions of the application 271 operate. The application interface 223 can perform encryption using a 3DS (Triple Data Encryption Algorithm symmetric-key block cipher), AES (Advanced Encryption Standard), or RSA algorithm.

The storage unit 225 includes a system portion 226 and a storage portion 227. The system portion 226 has built-in basic operation information. The storage portion 227 includes a hidden data area 228 and a visible area 229. The viewable area 229 allows access by the operating system (OS) of the mobile device 20. For example, in the Android® system, the viewable area 229 can be accessed by a file management program.

The operating system cannot access the hidden data area 228 and cannot read, write or modify the file of the hidden data area 228. Conversely, payment software 270 or personalized application 271 can access hidden material area 228 via control firmware 224 only after a particular authorization sequence is completed. When the add-on card 22 is inserted into the card slot 26 of the mobile device 20, the control firmware 224 reports only the viewable area 229 to the operating system. Therefore, the operating system does not display the hidden data area 228 to the user. The secret data area 228 can only be accessed when the user executes the payment software 270 or the personalized application 271 and passes the authorization sequence.

The secret information area 228 stores a virtual account number associated with a payment institution account number associated with the holder of the support card 22 and the payment authority (e.g., bank) operating the payment institution server 5. The information related to the payment institution account number is stored on the financial chip 221. The hidden data area 228 can store a plurality of virtual accounts corresponding to a plurality of payment institution accounts respectively. .

When the mobile device 20 does not have the near field communication unit 23, the mobile device 20 itself does not have a near field communication function, the payment card 22 can be designed to have a near field communication function. In other implementations, the payment card 22 includes a plurality of near field communication pins and includes a near field communication antenna and can be implemented with a SDIO (Secure Digital Input Output) card that supports near field communication.

Thus, in other implementations, card slot 26 includes a plurality of near field communication terminals. The near field communication terminal complies with the Near Field Communication Specification (published by the SD Association). When the payment card 22 is inserted into the card slot 26, the near field communication terminals are electrically coupled to the near field communication pins of the payment card 22, respectively. Thereby, the payment card 22 can interact with the mobile device 20 to enable the mobile device 20 to support the near field communication function.

Referring to Figure 3A, an embodiment of a mobile payment method that processes a payment for a transaction is described below. The computer device 1 described below may be a computer, and the mobile device 20 may be a smart phone with a payment card 22 inserted, which is a book purchased from a bookstore.

First, the merchant of the bookstore executes the transaction software 120 using the computer device 1 (see Fig. 4).

In step S11, the processing module 11 of the computer device 1 executes the transaction software 120 stored in the memory module 12.

The transaction software 120 provides an interface for the merchant to enter a list of transactions (see Figure 5) that is relevant to the transaction and the payment. Here, the list of transactions includes a breakdown of the purchase of the book (eg, store number, Transaction date, payment number and transaction amount, etc.).

In step S12, the processing module 11 receives a transaction list related to the transaction and the payment. For example, the transaction list may be entered into the computer device 1 by scanning a barcode of the goods and/or services. Alternatively, the transaction list may be entered by the consumer using the computer device 1.

In step S13, the processing module 11 executes a security component 121 of the transaction software 120 to generate a data to be hacked.

In step S14, the processing module 11 locks the transaction list.

More specifically, the information to be escorted includes a list of transactions, and after step S14, the merchant cannot change the list of transactions. It should be noted that the order of steps S13 and S14 may be interchanged or performed simultaneously.

In step S15, the processing module 11 outputs a transaction list (see FIG. 6) via the input/output module 14 for consumer confirmation of the book to be purchased.

In step S16, the processing module 11 generates an indication (see FIG. 7) to prompt the consumer to bring the mobile device 20 having the payment card 22 close to a payment sensing area (such as the near field communication module 13 of the computer device 1). When the processing module 11 detects the mobile device 20 via the near field communication module 13, the processing module 11 establishes wireless short-range communication with the mobile device 20 via the near field communication module 13, and then proceeds to step S17. Otherwise, the processing module 11 is idle until the mobile device 20 is detected. More specifically, when the computer device 1 and the mobile device 20 are adjacent to each other, the processing module 11 automatically establishes near field communication with the mobile device 20 as wireless short-range communication.

On the other hand, when the consumer wants to complete the payment for purchasing the book using the mobile payment device 2 (e.g., the mobile device 20 is combined with the payment card 22), the consumer executes the payment software 270 using the mobile device 20 (see Fig. 8).

Therefore, in step S21, the processor 21 of the mobile device 20 executes the payment software 270 stored in the memory unit 27.

Payment software 270 provides consumers with multiple payment methods (eg, near field communication payments or cash on delivery). Here, the user selects the near field communication payment to make the payment.

At step S22, the processor 21 is instructed to select a near field communication payment by the consumer.

In step S23, the processor 21 outputs an indication to prompt the user to input an access code associated with the payment card 22 (see Fig. 9).

At step S24, upon receipt of the access code, processor 21 then transmits the access code to payment card 22 via card slot 26.

In step S31, the payment card 22 verifies the access code. When the payment card 22 verifies that the access password is correct, the payment card 22 transmits an access consent command to the mobile device 20, and the flow then proceeds to step S25. Otherwise, the flow then proceeds to step S32.

In step S32, the payment card 22 transmits an access rejection command to the mobile device 20, and the mobile device 20 notifies the user via the input/output unit 24 that the access password is incorrect. The payment card 22 counts the number of consecutive times the wrong access password was received.

In step S33, the payment card 22 determines that the number of times of the foregoing counting is greater than or equal to a threshold (for example, three times). When the number of counts is not greater than or equal to The threshold value, the flow returns to step S23 to enable the consumer to input other access codes. Otherwise, the flow then proceeds to step S34.

At step S34, the payment card 22 is locked and access is prohibited.

In step S25, the processor 21 of the mobile device 20 clears the access password received and temporarily stored in step S24. This step is used to prevent access passwords from being obtained by others.

It is worth noting that convenience is a major consideration when using e-wallets for small payments. Therefore, steps S23 to S25 and steps S31 to S34 can be omitted to speed up the process of payment.

At step S26, the processor 21 of the mobile device 20 activates the near field communication unit 23 to initiate the near field communication function.

Next, referring to FIG. 10, the mobile device 20 prompts the consumer to bring the mobile device 20 close to the payment sensing area (for example, the near field communication module 13 of the computer device 1).

Thereafter, in step S27, when the mobile device 20 and the computer device 1 are adjacent to each other, the processor 21 of the mobile device 20 automatically establishes wireless short-range communication (for example, near field communication) with the computer device 1 via the near field communication unit 23.

In step S17, after the near field communication between the computer device 1 (step S16) and the mobile device 20 (step S27) is established, the processing module 11 of the computer device 1 transmits the data to be hacked to the action via near field communication. Device 20.

In step S28, in the near field communication, the processor 21 of the mobile device 20 transmits the data to be debited to the payment card 22.

In step S35, the payment card 22 generates a transaction code based on the data to be charged and uses the key of the stored payment card 22, and transmits the transaction code to the mobile device 20.

More specifically, the payment card 22 stores a pair of keys for the virtual account applied to the payment and is stored in one of the financial chip and the hidden data area 228. Thereby, the payment card 22 obtains the secret key based on the virtual account number to generate the transaction charge code. It is worth noting that the payment institution system 4 of the payment institution server 5 has the same secret key corresponding to the virtual account number to identify the correctness of the payment card 22.

In step S29, the processor 21 of the mobile device 20 executing the payment software 270 forms a payment instruction using the transaction charge code. The payment instruction includes at least a virtual account number, a transaction list, and a transaction charge code, and is encrypted. The mobile device 20 then transmits a payment instruction to the computer device 1 via near field communication.

In step S18, the processing module 11 of the computer device 1 receives the payment command from the mobile device 20 via the near field communication.

It is worth mentioning that the foregoing steps S17, S28, S35, S29 and S18 are performed in the near field communication, and after the execution of these steps, at least one of the computer device 1 and the mobile device can provide an indication to remind the consumption. The mobile device 20 is removed from the position of the adjacent computer device 1.

Referring to FIG. 3B, after step S18, the computer device 1 attempts to establish a session with the platform server 3 of the payment institution server 5. The session mechanism is used to provide a secure communication channel between the computer device 1 and the platform server 3. And used to identify the correctness of the computer device 1.

In step A1, the processing module 11 of the computer device 1 executing the transaction software 120 transmits a session request to the platform server 3.

In step A2, when the platform server 3 receives the session request, the platform server 3 generates a session identifier and transmits the session identifier to the computer device 1.

In step A3, the processing module 11 of the computer device 1 receives the session identification code.

In step A4, the processing module 11 generates a first authentication code based on the received session identification code and a first identification key pre-stored in the computer device 1.

In step A5, the processing module 11 transmits the first authentication code to the platform server 3.

In step A6, the platform server 3 searches for a second identification key pre-stored on the platform server 3, and the second identification key corresponds to the first identification key. The platform side server 3 then generates a second authentication code based on the session identification code and the second identification key.

In step A7, the platform server 3 determines whether the first authentication code received from the computer device 1 (step A5) is the same as the second authentication code generated in step S6. When the result of the determination is YES, the flow then proceeds to step A8. Otherwise, the platform side server 3 determines that the payment card 22 cannot generate the correct first authentication code, and the flow ends.

In step A8, the platform server 3 transmits a session response to the computer device 1 to establish the session mechanism and allow the transaction to proceed.

Referring to FIG. 3C, the server 3 allows the transaction to be performed on the platform side. Then, in step B1, the processing module 11 transmits the payment instruction received in step S18 to the platform server 3 via the communication module 15 under the session mechanism. More specifically, the aforementioned transfer operation is performed using the SSL (Secured Sockets Layer) protocol.

In step B2, the platform server 3 sequentially transmits payment instructions to the payment institution system 4 via a dedicated channel.

At step B3, upon receipt of the payment instruction, payment institution system 4 can decrypt the received payment instruction and can identify the correctness of payment card 22 based on the payment instruction. More specifically, the payment institution system 4 generates a confirmation code based on the information to be riddend in the payment instruction and using the same key stored in the payment card 22 (e.g., financial chip or secret data area). In some implementations, the key used to generate the confirmation code can be included in the payment instruction and transmitted by the platform server 3 to the payment mechanism system 4.

The payment institution system 4 then compares the transaction charge code with the confirmation code. When the confirmation code is the same as the transaction charge code, the payment institution system 4 judges that the payment card 22 is correct, and the transaction list is not changed during the transmission. The flow then proceeds to step B4. Otherwise, the flow then proceeds to step B8.

At step B4, the payment institution system 4 can process the payment in accordance with the transaction list in the payment instruction. In this embodiment, the payment institution account represented by the virtual account account deducts the amount of the book (500 yuan), and the amount is transferred to an account owned by the bookstore.

In step B5, the payment institution system 4 generates a payment result indicating that the transaction has been processed, and transmits the payment result to the platform terminal. Server 3.

In step B6, the platform server 3 transmits the payment result to the computer device 1. The transmission of the payment result is under the session mechanism and uses the SSL protocol. In addition, the platform server 3 also transmits the payment result to the mobile device 20.

Next, in step B7, upon receiving the payment result, the processing module 11 of the computer device 1 outputs the payment result (see FIG. 11) via the input/output module 14 to inform the store of the result of the payment. In this way, the payment is completed and the customer can obtain the goods/services (such as books).

Similarly, in step B7', upon receiving the payment result, the processor 21 of the mobile device 20 outputs the payment result (see Fig. 12) via the input/output unit 24 to inform the customer of the result of the payment.

In step B3, when the confirmation code is different from the transaction charge code, the payment institution system 4 judges that the payment card 22 is incorrect, or the transaction list is changed during the transmission. Therefore, in step B8, the payment institution system 4 generates and transmits an error message to the platform server 3.

In step B9, the platform server 3 transmits an error message to the computer device 1, and the computer device 1 outputs the error message in step B10.

Similarly, in step B9', the platform server 3 transmits an error message to the mobile device 20, and the mobile device 20 outputs the error message at step B10'. Therefore, the transaction will not be completed.

In one example, the method is applied to the goods/services delivered to the customer via shipping, and the payment is completed when the goods/services are delivered (eg, cash on delivery). The deliveryman can carry the transaction software 120 installed The computer device 1 and after the customer confirms the goods/services, the delivery person can operate the computer device 1 to perform the action payment method. Therefore, the deliveryman does not need to carry cash when delivering.

The mobile payment method can also be applied to the customer by providing goods/services through the vending machine. After step B7 (complete payment), the vending machine provides the goods to the customer.

Furthermore, the mobile payment method of the present invention can also be applied to transfer using two mobile devices. For example, by using two smart phones for transfer, the payee operates a first smart phone to execute the transaction software 120, so that the first smart phone performs the aforementioned steps about the computer device 1, and the remitter operates a second. The smart phone executes the payment software 270, so that the second smart phone performs the aforementioned steps about the mobile device 20 and the payment card 22, whereby two mobile devices can be achieved by bringing the two smart phones close to each other or contacting each other. Make a transfer job.

In summary, by identifying the correctness of the payment card 22 based on the payment instruction generated by the mobile device 20, the payment behavior using the fake card can be detected. Further, by paying the payment instruction of the corresponding transaction list to the payment institution server 5 in real time, the payment of each transaction can be processed in time. In this way, it is possible to avoid the loss caused by fraud payment or transaction record non-correspondence.

However, the above is only the embodiment of the present invention, and the scope of the present invention is not limited thereto, that is, the simple equivalent changes and modifications made by the patent application scope and the patent specification of the present invention are still It is within the scope of the patent of the present invention.

S11~S18‧‧‧ Process steps

S21~S29‧‧‧ Process steps

S31~S35‧‧‧ Process steps

A1~A8‧‧‧ Process steps

B1~B10, B7’, B10’‧‧‧ process steps

Claims (11)

An action payment method is performed by a computer device capable of interacting with a mobile device having a payment card, the computer device communicating with a payment institution server, the mobile payment method comprising: receiving a transaction list, The transaction list is related to a transaction and a payment for the transaction; establishing a wireless short-range communication with the mobile device; transmitting the transaction list to the mobile device via the wireless short-range communication; receiving a request via the wireless short-range communication a payment instruction of the mobile device, the payment instruction being generated by the mobile device based on at least the transaction list; establishing a session mechanism with the payment institution server, the session mechanism providing a relationship between the computer device and the payment institution server a secure communication channel for transmitting the payment instruction to the payment institution server under the session mechanism, the payment instruction causing the payment institution server to identify the correctness of the payment card based on the payment instruction upon receipt of the payment instruction, and After the payment institution server recognizes that the payment card is correct, the payment instruction is still The payment institution server processes the payment according to the transaction list included in the payment instruction; and receives a payment result from the payment institution server under the session mechanism, the payment result being the payment institution after completing the payment Generated by the server; The step of establishing the session mechanism includes the following sub-steps: transmitting a session request to the payment institution server, the session request causing the payment institution server to generate a session identification code upon receiving the session request, and transmitting Sending the session identification code to the computer device; after receiving the session identification code, generating a first authentication code based on the session identification code and a first identification key pre-stored in the computer device; transmitting the first authentication code to the a payment institution server, the first authentication code causing the payment institution server to find a second identification key pre-stored in the payment institution server and corresponding to the first identification key of the computer device, and causing the payment institution The server generates a second authentication code based on the session identification code and the second identification key, and causes the payment institution server to determine whether the first authentication code received from the computer device is the same as the second authentication code And causing the payment institution server to transmit a session response to the computer when determining that the first authentication code is the same as the second authentication code Set to establish a mechanism for the session. The mobile payment method of claim 1, wherein the computer device and the mobile device have near field communication capability, and the step of establishing the wireless short distance communication comprises: when the computer device and the mobile device are adjacent to each other, The computer device automatically establishes with the mobile device as the wireless short-range communication Near field communication. The action payment method of claim 2, before the step of establishing the wireless short-range communication, further comprising: generating a data to be hacked, the information to be hacked including the transaction list; wherein The step of transmitting the transaction list includes transmitting, by the near field communication, the information to be debited to the mobile device; wherein, in the step of receiving the payment instruction via the near field communication, the code is to be debited The information causes the mobile device to transmit the information to be debited to the payment card, and cause the payment card to generate a transaction code based on the data to be debited and transmit the transaction code to the mobile device, and The mobile device is caused to use the transaction code to form the payment instruction and transmit the payment instruction to the computer device via the near field communication. The mobile payment method of claim 3, wherein in the step of receiving the payment instruction via the near field communication, the data to be plucked further causes the payment card to be stored in the payment card. The secret key generates the transaction charge code; wherein, in the step of transmitting the payment instruction, the payment instruction further causes the payment institution server to generate a message based on the data to be ridden included in the payment instruction using the same key Confirming the code and causing the payment institution server to compare the transaction charge code with the confirmation code to identify the correctness of the payment card. The action payment method according to claim 1, after the step of receiving the transaction list, further comprising: Lock the list of transactions. An action payment method is performed by a mobile device having a payment card, the mobile device being capable of interacting with a computer device, the mobile device and the computer device communicating with a payment institution server, the mobile payment method comprising: The computer device establishes a wireless short-range communication; receiving, via the wireless short-range communication, a transaction list from the computer device, the transaction list being related to a transaction and a payment regarding the transaction; generating a payment instruction based on at least the transaction list Transmitting, by the wireless short-range communication, the payment instruction to the computer device, the payment instruction is provided by the computer device to the payment institution server, and the payment instruction causes the payment institution server to be based on receiving the payment instruction The payment instruction identifies the correctness of the payment card, and after the payment institution server identifies the payment card as correct, the payment instruction further causes the payment institution server to process the payment according to the transaction list included in the payment instruction; And receiving a payment result from the payment institution server, the payment result is After the payment is generated by the payment institution server; wherein the payment instruction is transmitted by the computer device to the payment institution server under a session mechanism established between the computer device and the payment institution server; The step of establishing the session mechanism includes the following sub-step: the computer device transmits a session request to the payment institution servo The session request causes the payment institution server to generate a session identification code upon receiving the session request, and transmits the session identification code to the computer device; after receiving the session identification code, the computer device identifies the session identifier based on the session identifier The code and a first identification key pre-stored in the computer device generate a first authentication code; the computer device transmits the first authentication code to the payment institution server, the first authentication code causing the payment institution server to find a a second identification key pre-stored in the payment institution server and corresponding to the first identification key of the computer device, and causing the payment institution server to generate a second based on the session identification code and the second identification key Identifying the code, and causing the payment institution server to determine whether the first authentication code received from the computer device is identical to the second authentication code, and causing the payment institution server to determine the first authentication code and When the second authentication code is the same, a session response is transmitted to the computer device to establish the session mechanism. The mobile payment method of claim 6, wherein the computer device and the mobile device have near field communication capability, and the step of establishing the wireless short distance communication comprises: when the computer device and the mobile device are adjacent to each other, The mobile device automatically establishes a near field communication with the computer device as the wireless short-range communication. The mobile payment method of claim 7, wherein the step of receiving the transaction list comprises receiving a computer from the computer via the near field communication And the data to be hacked by the device, the data to be hacked is generated by the computer device and includes the transaction list; wherein the step of generating the transaction instruction comprises: the mobile device transmitting the code to be hacked Giving the payment card to the mobile phone; the payment card generates a transaction code based on the data to be hacked and transmits the transaction code to the mobile device; and the mobile device uses the transaction code to form the payment instruction, and The near field communication transmits the payment instruction to the computer device. The action payment method of claim 8, wherein the step of generating the payment instruction further comprises the payment card generating the transaction charge code using a key stored in the payment card; wherein the payment instruction further The payment institution server generates a confirmation code based on the information to be debited included in the payment instruction and uses the same key to generate a confirmation code, and causes the payment institution server to compare the transaction charge code and the confirmation code to identify the payment card. Correctness. The action payment method of claim 6, before the step of establishing the wireless short-range communication, the method further comprises: the mobile device outputting an indication to prompt the user to input a startup password; the mobile device receives the startup password Transmitting the activation password to the payment card; the payment card verifies the activation password, and when the activation password is correct, the payment card transmits an access consent indication to the mobile device; and The mobile device clears the activation password upon receiving the access consent indication. An action payment device capable of interacting with a computer device, the computer device being in communication with a payment mechanism server, the mobile payment device comprising: a mobile device, comprising a processor, a memory unit coupled to the processing And storing a payment software, a card slot coupled to the processor, and removably inserting a payment card, thereby using the mobile device to access the payment card, a short-distance communication unit, coupled Connected to the processor and capable of communicating with the computer device, and a communication unit coupled to the processor and capable of communicating with the payment institution server; wherein, when the processor executes the payment software, the payment The software causes the mobile payment device to establish a wireless short-range communication with the computer device, via the wireless short-range communication, to receive a transaction list from the computer device, the transaction list being related to a transaction and a payment regarding the transaction, based on At least the transaction list generates a payment instruction, and transmits the payment instruction to the computer device via the wireless short-range communication, the payment instruction is performed by the computer Home available to the paying agent server, and refers to the payment And causing the payment institution server to identify the correctness of the payment card based on the payment instruction upon receipt of the payment instruction, and after the payment institution server recognizes that the payment card is correct, the payment instruction further causes the payment mechanism to serve Processing the payment according to the transaction list included in the payment instruction, and receiving a payment result from the payment institution server, the payment result being generated by the payment institution server after completing the payment; wherein the payment The instruction is transmitted by the computer device to the payment institution server under a session mechanism established between the computer device and the payment institution server; the step of establishing the session mechanism includes the following sub-steps: the computer device transmits a session request to the payment institution server, the session request causing the payment institution server to generate a session identification code upon receiving the session request, and transmitting the session identification code to the computer device; the computer device is receiving the session After the identification code, generating a message based on the session identification code and a first identification key pre-stored in the computer device An authentication code; the computer device transmits the first authentication code to the payment institution server, the first authentication code causing the payment institution server to find a first one pre-stored in the payment institution server and corresponding to the computer device Identifying a second identification key of the key, and causing the payment institution server to generate a second authentication code based on the session identification code and the second identification key, and causing the payment institution server to determine the connection Whether the first authentication code received from the computer device is the same as the second authentication code, and causing the payment institution server to transmit a session response to the first authentication code when determining that the first authentication code is the same as the second authentication code A computer device to establish the session mechanism.