TWI567668B - Portable payment assembly - Google Patents

Description

Action payment assembly

The present invention relates to an action payment assembly, and more particularly to an action payment assembly having an external payment device signal coupled to a mobile electronic device.

With the advancement of technology, the use of real money is no longer the only way to buy and sell transactions. With the development of the concept of electronic wallet, combined with encryption and decoding technology, the security of the use of electronic wallets has been improved.

Most of the common electronic wallets in the market are card-type, such as leisure cards or stored value cards. However, such electronic wallets have the same shortcomings as real money, that is, they must be carried independently, so users must be like ordinary cash. , put it in the wallet. However, if you forget to bring a card or forget to bring your wallet out, you will still encounter the dilemma of no money to pay.

At present, there is a mobile phone with Near Field Communication (NFC) built in the market. Please refer to the Chinese patent case CN201477631U, which discloses an RFID mobile phone wallet payment system and the Taiwan patent case M378583, which is disclosed and used. An electronic wallet device for a mobile phone. In the above two cases, the RFID chip that stores the user's personal and monetary data is built into the mobile phone. By setting up, as long as the user holds the mobile phone, the wireless data can be connected to the sensor installed at the cashier end of the cash register. Transmitting and receiving, and further completing the trading action of simulating money, as described in the Chinese patent case CN201020146764.9, the mobile phone with the electronic wallet function can perform a transaction deduction with a debit device; or, for example, the Chinese patent case CN201110003436 As described in .2, after logging in to the account on the mobile phone, you can transfer the account's money to the RFID card for stored value.

However, since wafers and components with near-field wireless communication technology are built in front In the case of a mobile phone, the user is bound to purchase a specific mobile phone in order to use such a function. In this way, with the original mobile phone originally owned by the user, there are two mobile phones that must be carried, which is not convenient. In this situation, users will have to abandon the use of the original mobile phone. On the other hand, the types of mobile phones with near-field wireless communication technology currently available on the market can be selected in a small variety. Compared with the numerous mobile phones produced by many manufacturers on the market, users are limited to the purchase of specific built-in Due to the small number of chips and component brands with near-field wireless communication technology, users do not necessarily like their appearance, so they face a dilemma in function and appearance.

Furthermore, the above-mentioned method in which the chip is built in the mobile phone, that is, the chip maker and the mobile phone business, is a closed system in a specially developed system, and the chip maker and the mobile phone manufacturer each have a specific confidentiality certificate. Specifications, and are unwilling to release, so it is not easy to promote it widely between every financial institution and mobile phone business.

In view of the above, it is an object of the art to provide a payment device that can be applied to a variety of different mobile electronic devices.

The main purpose of the present invention is to provide a mobile payment assembly that is connected to a mobile electronic device by using an external payment device, wherein the external payment device and the mobile electronic device each have a key, and if the two keys are successfully paired The external payment device can be enabled as an electronic wallet.

A preferred embodiment of the present invention is to provide an external payment device for plugging in a mobile electronic device, comprising: a chip module for accommodating a wafer card, and the wafer card has a first gold a key unit for pairing with a second key unit disposed in the mobile electronic device; and a data processing module coupled to the chip module, wherein the data processing module includes an inductive antenna and a first An audio transmission interface, wherein the sensing antenna is configured to perform information transmission and reception with one of the external operating endpoint servers; wherein the first audio transmission interface of the external payment device and the second audio of the mobile electronic device The transmission interface signal is coupled to enable information transmission and reception between the external payment device and the mobile electronic device.

In a preferred embodiment, the operational endpoint server issues a request transaction message And the external payment device is configured to cause the external payment device to return a response transaction message to the operation endpoint server; wherein the response transaction message is an consent message or a rejection message.

In a preferred embodiment, the data processing module further includes an access unit; wherein, after the consent message is transmitted to the operating endpoint server, the operating endpoint server returns a transaction information to the data Processing the access unit of the module, and the transaction information includes an electronic invoice information; or, after the rejection message is transmitted to the operation endpoint server, the connection between the external payment device and the operational endpoint server is terminated transaction.

In a preferred embodiment, between the sensing antenna and the operational endpoint server It is implemented by Radio Frequency (RF) or Near Field Communication (NFC).

In a preferred embodiment, the data processing module further includes a data access unit for performing a hardware identification between the external payment device and the mobile electronic device. A key unit and the second key unit.

In a preferred embodiment, the data processing module includes a personal data unit for storing a user's personal data.

In a preferred embodiment, the data processing module further includes an authentication unit for authenticating data received from the outside world.

Another preferred implementation concept of the present invention is to provide a mobile payment assembly, comprising: a mobile electronic device; a first key unit disposed in the mobile electronic device; and an external payment device, the signal is connected to the mobile payment device a mobile electronic device, the external payment device includes a chip module for accommodating a wafer card; wherein the wafer card has a second key unit; wherein the first gold is disposed in the mobile electronic device The key unit is configured to perform a financial transaction operation on the second key unit of the chip card by confirming the hardware identification between the external payment device and the mobile electronic device.

In a preferred embodiment, the external payment device further includes a data processing module, and the data processing module further includes an inductive antenna for performing information transmission with one of the external operating endpoint servers. receive.

In a preferred embodiment, the operational endpoint server sends a request transaction message to the external payment device, and causes the external payment device to return a response transaction message to the camp. The endpoint server, wherein the response transaction message is an consent message or a rejection message.

In a preferred embodiment, the data processing module further includes an access unit; wherein, after the consent message is transmitted to the operating endpoint server, the operating endpoint server returns a transaction information to the data Processing the access unit of the module, and the transaction information includes an electronic invoice information; or the mobile electronic device further includes an access unit; wherein the operation is performed after the consent message is transmitted to the operation endpoint server The endpoint server returns a transaction information to the access unit of the mobile electronic device, and the transaction information includes an electronic invoice information; or, after the rejection message is transmitted to the operation endpoint server, the external payment The transaction is terminated between the device and the operational endpoint server.

In a preferred embodiment, the mobile electronic device has an application software, and the application software is connected to a financial transaction platform on the network for the user to conduct a financial transaction; wherein the financial transaction is a storage Value transaction, one payment transaction, one transfer transaction or one inquiry transaction.

In a preferred embodiment, the mobile electronic device has a first application software, and the first application software sends a request transaction message to the second application software of another mobile electronic device via the external payment device for signal transmission. For the user to perform a financial transaction; wherein the financial transaction is a stored value transaction, a payment transaction, a transfer transaction or a query transaction.

In a preferred embodiment, the second application software sends a response transaction message to the first application software; wherein the response transaction message is a consent message or a rejection message.

In a preferred embodiment, the first key unit is a hardware identification code of the mobile electronic device, a telecommunication chip identification code installed in the mobile electronic device, and at least another hard connection directly connected to the mobile electronic device. The body identification device, the mobile key device has a built-in key number, the mobile electronic device receives one of the stored key numbers from the outside, the mobile electronic device downloads one of the application software, or the user One of the custom-set key numbers.

In a preferred embodiment, the external payment device has a first audio interface, and the mobile electronic device has a second audio interface, and the first audio transmission interface is coupled to the second audio transmission interface signal to enable the The external payment device and the mobile electronic device Perform signal transmission and reception with each other.

In a preferred embodiment, the external payment device has a first digital signal transmission interface, and the mobile electronic device has a second digital signal transmission interface, the first digital signal transmission interface and the second digital signal transmission interface. The signals are coupled such that the external payment device and the mobile electronic device perform signal transmission and reception with each other.

In a preferred embodiment, either the first digital signal transmission interface and the second digital signal transmission interface are a USB interface or other standard transmission interface.

In a preferred embodiment, the external payment device has a wireless signal transmitter, the mobile electronic device has a wireless signal receiver, and the external payment device and the mobile electronic device communicate with each other via the wireless device. The signal transmitter is coupled to the wireless signal receiver for signal connection.

In a preferred embodiment, the wireless signal transmitter and the wireless signal receiver are a Bluetooth wireless communication module, a Wi-Fi wireless communication module, and a near field communication (NFC) wireless communication module. A Z-Wave wireless communication module or any of the ZigBee wireless communication modules.

A further preferred embodiment of the present invention is to provide a payment system including: a mobile payment assembly including a mobile electronic device and an external payment device connected to the mobile electronic device; and an operational endpoint server Included as a central information unit and a transceiving sensing device; wherein, when the external payment device approaches the transceiving sensing device, the central information unit performs a financial transaction with the external payment device through the transceiving sensing device, and the central information The unit transmits a transaction information to the external payment device.

In a preferred embodiment, the external payment device includes an access unit, and the transaction information is stored in the access unit.

In a preferred embodiment, the mobile electronic device has an application for reading the transaction information of the access unit to perform an operation.

In a preferred embodiment, the mobile electronic device has an application, and the transaction information is transmitted to the external payment device and then transmitted to the mobile electronic device, and the transaction information is stored in the application.

In a preferred embodiment, the external payment device further includes a chip module. The chip module includes a first key, and the mobile electronic device is provided with a second key; wherein the first key is configured for the second key to borrow the external payment device and the mobile electronic device Mutual confirmation allows the external payment device to perform a financial transaction.

In a preferred embodiment, the external payment device has a first audio transmission interface, and the mobile electronic device includes a second audio transmission interface, and the first audio transmission interface is coupled to the second audio transmission interface signal to The external payment device and the mobile electronic device perform signal transmission and reception with each other.

In a preferred embodiment, the external payment device has a first digital signal transmission interface, and the mobile electronic device has a second digital signal transmission interface, the first digital signal transmission interface and the second digital signal transmission interface. The signals are coupled such that the external payment device and the mobile electronic device perform signal transmission and reception with each other.

In a preferred embodiment, either the first digital signal transmission interface and the second digital signal transmission interface are a USB interface or other standard transmission interface.

In a preferred embodiment, the external payment device has a wireless signal transmitter, and the mobile electronic device has a wireless signal receiver, and the wireless signal transmitter is coupled to the wireless signal receiver to enable the external connection. The payment device and the mobile electronic device perform signal transmission and reception with each other.

In a preferred embodiment, the wireless signal transmitter and the wireless signal receiver are a Bluetooth wireless communication module, a Wi-Fi wireless communication module, and a near field communication (NFC) wireless communication module. A Z-Wave wireless communication module or any of the ZigBee wireless communication modules.

In a preferred embodiment, the external payment device includes an inductive antenna, and the inductive antenna cooperates with the transceiving sensing device to perform information transmission and reception; wherein the inductive antenna and the operational endpoint server The system is implemented by Radio Frequency (RF) or Near Field Communication (NFC).

A further preferred embodiment of the present invention is to provide a payment system including: a mobile payment assembly including a mobile electronic device and an external payment device connected to the mobile electronic device; wherein the mobile electronic device has An interface connection unit; and at least one transaction authentication unit, the mobile electronic device interacting with the at least one through the interface connection unit The authentication unit is connected to the at least one transaction authentication unit, and after the mobile electronic device and the external payment device perform a mutual matching procedure via the at least one transaction authentication unit, The external payment device can perform a financial transaction.

In a preferred embodiment, a first key unit and a second key unit are included; wherein the first key unit is built in the mobile electronic device, and the second key unit is built in Or a chip module of the external payment device; or the first key unit is built in the mobile electronic device, and the second key unit is granted an external payment via the at least one transaction authentication unit a chip module of the device; or the first key unit is awarded to the corresponding mobile electronic device via the at least one transaction authentication unit, and the second key unit is built in one of the external payment device chip modules Or the first key unit is granted to the corresponding mobile electronic device via the at least one transaction authentication unit, and the second key unit is granted to the one of the external payment devices via the at least one transaction authentication unit. group.

In a preferred embodiment, the external payment device further includes a data access unit for verifying at least one of the first key unit and the second key unit.

In a preferred embodiment, the at least one transaction authentication unit is a plug-in authentication device for verifying at least one of the first key unit and the second key unit, the interface connecting unit It is a USB interface, an audio transmission interface or other standard transmission interface.

In a preferred embodiment, the at least one transaction authentication unit is a cloud transaction platform, and the interface connection unit is a network interface module.

In a preferred embodiment, the mobile electronic device has an application software, and the application software is connected to the cloud trading platform for the user to perform a financial transaction; wherein the financial transaction is a stored value transaction, Payment transaction, one transfer transaction or one inquiry transaction.

In a preferred embodiment, the mobile electronic device has an application software for issuing a request transaction message to another mobile electronic device to request execution of a financial transaction.

In a preferred embodiment, the second application software sends a response transaction message to the first application software; wherein the response transaction message is a consent message or a rejection message.

In a preferred embodiment, the mobile electronic device is connected to another external payment device, and after the second application software queries the data stored by the external payment device, sends a response transaction message to the first The application software; wherein the response transaction message is an consent message or a rejection message.

In a preferred embodiment, the method further includes an operational endpoint server, and the operational endpoint server includes a central information unit and a transceiving sensing device; wherein, when the external payment device is in proximity to the transceiving sensing device, The central information unit performs a financial transaction with the external payment device via the transceiving sensing device, and the central information unit transmits a transaction information to the external payment device.

In a preferred embodiment, the transaction information includes at least one of an electronic invoice information and a transaction detail information.

A further preferred implementation concept of the present invention is to provide a financial transaction payment method, comprising the steps of: (a) providing an action payment assembly, the action payment assembly comprising a mobile electronic device and a signal connected to the mobile electronic device An external payment device; and (b) performing a pairing procedure between the mobile electronic device and the external payment device, the action payment assembly executing a financial transaction after the pairing procedure is successful.

In a preferred embodiment, after step (b), further comprising the step (c): (c) transmitting a request transaction message from the outside to the action payment assembly; or, transmitting a request from the action payment assembly. Trading information to an outside world.

In a preferred embodiment, the step (c) includes the steps of: (c1) moving the external payment device to be close to an external one of the operating endpoint servers, and causing the operational endpoint server to transmit the Requesting a transaction message to the external payment device to perform a financial transaction.

In a preferred embodiment, after step (c1), further comprising the step (d1): (d1) transmitting an consent message from the action payment assembly to the operational endpoint server, the operational endpoint server Transmitting a transaction information to at least one of the mobile electronic device of the mobile payment assembly and the external payment device; or transmitting a rejection message from the mobile payment assembly to the operational endpoint server, the action The transaction is terminated between the payment assembly and the operational endpoint server.

In a preferred embodiment, in the step (c), the method further comprises: (c2) transmitting the request transaction message from the action payment assembly to the remote transaction authentication unit of the outside world.

In a preferred embodiment, after step (c2), further comprising the step (d2): (d2) transmitting a stored value message from the remote transaction authentication unit to the mobile payment assembly; or transmitting a rejection The message is from the remote transaction authentication unit to the action payment assembly.

In a preferred embodiment, the step (b) includes the following steps: (b1) confirming that the zeroth key unit of one of the external payment devices is coupled to the first key unit of the mobile electronic device and the external payment At least one of the second key units of one of the wafer modules of the device.

In a preferred embodiment, the step (b) includes the following steps: (b2) confirming that the first key unit of the mobile electronic device is coupled to the second key unit of the external payment device; wherein the first The key unit is built in the mobile electronic device, and the second key unit is built in the chip module of the external payment device; or the first key unit is built in the mobile electronic device And the second key unit is granted to the chip module corresponding to the external payment device; or the first key unit is awarded to the corresponding mobile electronic device, and the second key unit is built in the external device The chip module of the payment device; or, the first key unit is awarded to the corresponding mobile electronic device, and the second key unit is granted to the wafer module corresponding to the external payment device.

A further preferred implementation concept of the present invention is to provide a financial transaction payment method, comprising the following steps: (a) providing a payment system including a mobile payment assembly and an operational endpoint server, the total payment of the action Forming a mobile electronic device and signaling an external payment device connected to the mobile electronic device; (b) moving the external payment device to be close to the operational endpoint server, causing the external payment device and the operational endpoint The server performs information transmission and reception between each other to perform a financial transaction; and (c) transmits a transaction information from the operation endpoint server to the action payment assembly, and the transaction information is stored in the action payment assembly At least one of the mobile electronic device and the external payment device.

In a preferred embodiment, in the step (a), the method includes the following steps: (a1) confirming that the zeroth key unit of the one of the external payment devices is coupled to the first key unit of the mobile electronic device; And/or confirming that the zeroth key unit of the external payment device is coupled to a second key unit of one of the chip modules of the external payment device.

In a preferred embodiment, the step (a) includes the following steps: (a2) confirming that the first key unit of the mobile electronic device is coupled to the second key unit of the external payment device; The first key unit is built in the mobile electronic device, and the second key unit is built in the chip module of the external payment device; or the first key unit is built in In the mobile electronic device, and the second key unit is granted to the wafer module corresponding to the external payment device; or, the first key unit is awarded to the corresponding mobile electronic device, and the second key unit The chip module built in the external payment device; or the first key unit is awarded to the mobile electronic device, and the second key unit is granted to the chip module corresponding to the external payment device .

In a preferred embodiment, in step (b), the method includes the following steps: (b1) transmitting a request transaction message from the operational endpoint server to the mobile payment assembly.

In a preferred embodiment, in step (b), the method includes the following steps: (b2) transmitting an consent message from the action payment assembly to the operational endpoint server, the operational endpoint server transmitting the transaction Information to the action payment assembly; or, if a rejection message is transmitted from the action payment assembly to the operational endpoint server, the transaction is terminated.

In a preferred embodiment, after step (c), the method further comprises the step of: (d) transmitting a request transaction message from the action payment assembly to a remote transaction authentication unit.

In a preferred embodiment, after step (d), further comprising the step (e): (e) transmitting a stored value message from the remote transaction authentication unit to the mobile payment assembly; or transmitting a rejection The message is from the remote transaction authentication unit to the action payment assembly.

1, 1'‧‧‧ mobile electronic devices

10‧‧‧First Key Unit

11‧‧‧Application software

12‧‧‧Second audio transmission interface

120‧‧‧ source hole

2, 2'‧‧‧ external payment device

20‧‧‧Second key unit

21‧‧‧ wafer module 21

22‧‧‧wafer card

23‧‧‧ Data Processing Module

24‧‧‧First audio transmission interface

230‧‧‧Sensor antenna

231‧‧‧access unit

232‧‧‧personalized data unit 232

233‧‧‧Authorization unit

234‧‧‧ arithmetic unit

240‧‧‧Source connector

25‧‧‧Battery

3‧‧‧Operating Endpoint Server

31‧‧‧Central Information Unit

32‧‧‧Transceiver sensing device

4‧‧‧Financial Trading Platform

5‧‧‧First Action Payment Assembly

51‧‧‧First mobile electronic device

52‧‧‧First external payment device

520‧‧‧Sensor antenna

6‧‧‧Second Action Payment Assembly

61‧‧‧Second mobile electronic device 61

62‧‧‧Second external payment device

620‧‧‧Sensor antenna

7‧‧‧Financial Trading Platform

S1‧‧‧Request transaction message

S2‧‧‧Response to transaction information

S3‧‧‧Request transaction message

S4‧‧‧Respond to transaction information

S5‧‧‧Request transaction message

I‧‧‧Transaction Information

1 is a schematic diagram of a first embodiment of an action payment assembly of the present invention and an operational endpoint server.

FIG. 2 is a schematic diagram of the external payment device of the action payment assembly of the present invention.

FIG. 3 is a schematic diagram of the first embodiment of the action payment assembly of the present invention directly connected to the financial transaction platform.

4 is a schematic diagram of a first embodiment of the action payment assembly of the present invention connected to a financial transaction platform through an operational endpoint server.

Figure 5 is a schematic diagram of the implementation of the transaction by two action payment assemblies in this case.

6 is a schematic diagram of a second embodiment of the action payment assembly of the present invention.

Figure 7 is a block flow diagram of the financial transaction payment method of the present invention.

FIG. 8 is another block flow chart of the financial transaction payment method of the present invention.

First, please refer to FIG. 1 first, which is the first embodiment of the action payment assembly of the present case and the schematic diagram of the operating endpoint server. The present disclosure discloses an action payment assembly including a mobile electronic device 1, a first key unit 10, and an external payment device 2, and the first key unit 10 can be set in action in a built-in or loaded manner. In the electronic device 1. The external payment device 2 includes a chip module 21 for accommodating a wafer card 22, which may be a SIM card, a Micro SD card, or the like. The chip card 22 has a second key unit 20, and the first key unit 10 is preset to the second key unit 20. If the second key unit 20 of the wafer card 22 cannot be assigned to the second key unit 20 of the mobile electronic device 1, the wafer card 22 cannot be activated.

In detail, the external payment device 2 is connected to the mobile electronic device 1 , but the signal connection mode is not limited. The external payment device 2 can be physically connected to the mobile electronic device 1 , or the external payment device 2 can be connected to the wireless signal. The mobile electronic device 1 can perform a confirmation procedure between the first key unit 10 and the second key unit 20 by various possible signal connection settings. If the confirmation is successful, the external payment device 2 can be used to perform a financial transaction action; if the confirmation fails, the external payment device 2 cannot perform a financial transaction action. The external payment device 2 is preferably movably externally connected to the mobile electronic device 1 , whereby the user can quickly connect the external payment device 2 and the mobile electronic device without using the condition of the external payment device 2 . 1 detached.

Furthermore, the action payment assembly of the present case is generated by the pairing between the first key unit 10 disposed on the mobile electronic device 1 and the second key unit 20 of the wafer card 22 disposed in the external payment device 2. Denial mechanism. For example, the second key unit 20 is a concept of autographing when the credit card is consumed. Therefore, when the credit card is used for consumption on the network, the authentication mechanism of the second key unit 20 can be recognized instead of the face-to-face transaction. The concept of autographing by the credit card owner retains this action of identifying the certification to further ensure the rights and interests of both buyers and sellers.

It should be noted here that the first key unit 10 is not only compatible with a single one. The two key units 20 are paired, and the first key unit 10 can also be paired with the plurality of second key units 20, which is a one-to-many concept, that is, one mobile electronic device 10 can be combined with a plurality of external payment devices. 2 role after pairing. Under the same concept, an external payment device 2 can also be paired with the plurality of mobile electronic devices 1, so that an external payment device 2 is not limited to use only on one mobile electronic device 1.

In this case, the mobile electronic device 1 and the external payment device 2 of the present invention can be identified by hardware and software. If the identification is by hardware, the first key unit 10 is a hardware identification code of the mobile electronic device (for example, a physical address (MAC address) of the network card), and is installed in the mobile electronic device. A telecommunications chip identification code (eg, a SIM card of a mobile phone), at least another hardware identification device directly connected to the mobile electronic device, a key number built into the mobile electronic device, and the like. Alternatively, the mobile electronic device 1 receives, from the outside, a key number stored in the application, one of the application software downloaded by the mobile electronic device 1 and a key number set by the user. One, etc., both identification mechanisms are feasible.

In addition, the external payment device 2 further includes a data processing module 23, the data processing module 23 is connected to the chip module 21, and the data processing module 23 includes an inductive antenna 230, and the sensing antenna 230 is used to communicate with the outside world. An operational endpoint server 3 performs information transfer and reception to implement a contactless payment transaction. In general, the store or the Grand Canal transport vehicle is usually provided with an operation endpoint server 3, and the operation endpoint server 3 includes a central information unit 31 and a transceiving sensing device 32, if the user wants to perform a transaction action, It is only necessary to move the external payment device 2 to the transceiving sensing device 32. At this time, the central information unit 31 can issue a request transaction message S1 via the transceiving sensing device 32 to the external payment device 2, thereby allowing the external payment device 2 to receive Go to the request transaction message S1.

It should be noted that the user can set two kinds of programs. First, after receiving the request transaction message S1, the user needs to confirm the request transaction message S1, and the external payment device 2 can continue the transaction; or, in response to receiving the request After the transaction message S1, the external payment device 2 can continue to perform the transaction without requesting the user to request the transaction message S1. Both of the above methods are possible procedures for processing confirmation. Thereafter, the external payment device 2 returns a response message S2 to the central information unit 31 of the operation endpoint server 3; wherein the response transaction message S2 may be a consent message or a rejection message, and the process is confirmed by the process. The determination of the program.

It should be noted that in this case, the operating endpoint server 3 actively sends the request transaction message S1 to the external payment device 2, and then the external payment device 2 returns a response transaction message to the operation endpoint server 3 for enumeration. Description. Of course, it can also be changed that the external payment device 2 actively sends a request transaction message to the operation endpoint server 3, and then the operation endpoint server 3 returns a response transaction message to the external payment device 2, which is also possible. The settings are not limited here.

The sensing antenna 230 and the operating endpoint server 3 are implemented by radio frequency technology (RF), Near Field Communication (NFC) implementation, or other similar technologies. This is not a limitation.

FIG. 2 is a schematic diagram of the external payment device of the action payment assembly of the present invention. Please refer to Figure 1 and Figure 2 together. The data processing module 23 further includes a data access unit 231, a humanized data unit 232, an authentication unit 233, and an operation unit 234. The data access unit 231 is configured to check the first key unit 10 and the second key unit 20; the personalized data unit 232 is configured to store a user's personal data, and the authentication unit 233 is configured to authenticate the received from the outside world. The data unit 234 is configured to process the data received from the outside world and generate a corresponding feedback message, such as the foregoing request transaction message S1 and the response transaction message S2.

Further, the central information unit 31 of the operation endpoint server 3 stores a plurality of transaction information I, and the transaction information I includes at least one of an electronic invoice information, a transaction item detail, and a transaction date detail. As mentioned above, if the response message S2 is a consent message, the external payment device 2 will be debited or deposited into money, and after the consent message is transmitted to the operation endpoint server 3, the operation of the endpoint server 3 The central information unit 31 returns the transaction information I to the access unit 231 of the external payment device 2 via the transceiving sensing device 32. If the response transaction message S2 is a rejection message, the transaction is terminated between the external payment device 2 and the operational endpoint server 3 after the rejection message is transmitted to the operational endpoint server 3. Preferably, the external payment device 2 further includes a battery 25 for supplying power to enable the external payment device 2 to transmit a message.

It should be noted that although the access unit 231 is provided in the external payment device 2 as an example, the access unit 231 may be provided in the mobile electronic device 1 or the external payment device 2 . In other words, the mobile electronic device 1 or the external payment device 2 may store electronic invoice information, transaction item details, transaction date details, and the like. News.

On the other hand, the mobile electronic device 1 has an application software 11. The application software 11 can read the transaction information I transmitted from the operation endpoint server 3 and stored in the access unit 231, and then perform an arithmetic operation using an arithmetic unit (not shown) in the mobile electronic device 1. The application software 11 queries the balance in the external payment device 2 by reading the information in the wafer card 22, or the transaction information I sent by the central information unit 31 is transmitted to the mobile electronic device via the external payment device 2 1, and stored in the application software 11 for easy query, are possible settings.

Figure 3 is a schematic diagram of the first embodiment of the action payment assembly of the present invention directly connected to the financial transaction platform; Figure 4 is the first embodiment of the action payment assembly of the present case connected to the financial transaction platform through the operation endpoint server Schematic diagram. Among them, the application software 11 can be connected to one of the financial trading platforms 7 on the network, which is the concept of operating financial transactions in the cloud. The possible setting manner is that, as shown in FIG. 3, the mobile electronic device 1 can directly connect to the financial transaction platform 7 by using a wireless network; or, as shown in FIG. 4, the mobile electronic device 1 is connected to the external payment device 2; The operational endpoint server 3 is signaled to the financial transaction platform 7. The financial transaction platform 7 first confirms whether at least one of the key of the external payment device 2 and the key of the mobile electronic device 1 is correct, and if it is correct, the subsequent operation can be performed. Furthermore, the financial transaction platform 7 development maintainer can be a financial institution, and the user can manage the money in the account by connecting to the financial transaction platform 7; or, the user can manipulate the application software 11 to conduct a financial transaction. Wherein, the financial transaction is a stored value transaction, a payment transaction, a transfer transaction or a query transaction.

Next, the method for the signal connection between the external payment device 2 and the mobile electronic device 1 is described. The external payment device 2 has a first audio transmission interface 24, and the mobile electronic device 1 includes a second audio transmission interface 12, which is externally connected. The first audio transmission interface 24 of the payment device 2 is coupled to the second audio transmission interface 12 of the mobile electronic device 1 so that the external payment device 2 and the mobile electronic device 1 can perform signal transmission and reception with each other. For example, the first audio transmission interface 24 of the external payment device 2 has a sound source connector 240, and the second audio transmission interface 12 of the mobile electronic device 1 has a sound source hole 120, and the sound source connector 240 is adapted to be inserted into the sound source hole 120. A signal connection between the external payment device 2 and the mobile electronic device 1 is made.

Please refer to Figure 5, which shows the implementation of the transaction with two action payment assemblies for this case. It is intended that a first mobile payment assembly 5 and a second mobile payment assembly 6 are provided, wherein the first mobile payment assembly 5 has a first mobile electronic device 51 and a first external payment device 52, The second mobile payment device 6 has a second mobile electronic device 61 and a second external payment device 62. The first external payment device 52 and the second external payment device 62 respectively have sensing antennas 520 and 620. Signal transmission can be performed between the first action payment assembly 5 and a second action payment assembly 6 via the sensing antennas 520, 620.

Furthermore, the first mobile electronic device 51 of the first mobile payment assembly 5 has a first application software 510, and the second mobile electronic device 61 of the second mobile payment assembly 6 has a second application software 610, wherein An application software 510 and the second application software 610 are signaled and received via the sensing antenna 520 of the first external payment device 52 and the sensing antenna 620 of the second external payment device 62 for the user to perform a financial transaction. The financial transaction may be a stored value transaction, a payment transaction, a transfer transaction or a query transaction, etc., and is not limited herein.

Of course, the action payment assembly of this case can also be traded with other built-in NFC mobile phones (not shown). The first application software 510 and the application software of the built-in NFC mobile phone are transmitted and received through the sensing antenna 520 of the first external payment device 52 and the sensing antenna of the built-in NFC mobile phone for the user to perform. A financial transaction.

In detail, in the face-to-face embodiment, the first application software 510 of the first mobile electronic device 5 transmits a request transaction message S3 to the second mobile electronic device 6 through the first external payment device 52. Second, the application software 610 requests to perform a financial transaction. After receiving the processing unit (not shown) of the second mobile electronic device 6, the second application software 61 sends a response transaction message S4 to the first application software 510. The response transaction message S4 may be a consent message or a rejection message. If the response message S4 is a consent message, the money in the second action payment assembly 6 can be transferred to the first action payment assembly 5, or the money in the first action payment assembly 5 can be transferred to the first An action payment assembly of 6. On the other hand, if the response transaction message S4 is a rejection message, the transaction is terminated between the first action payment assembly 5 and the second action payment assembly 6 after the rejection message is transmitted to the first action payment assembly 5.

Please refer to FIG. 6, which is a schematic diagram of a second embodiment of the action payment assembly of the present invention. Of course, in addition to the external payment device 2 and the mobile electronic device 1, it can be used as an audio interface. In addition to the transmission, the digital signal transmission interface can also be used for transmission. The external payment device 2 ′ has a first digital signal transmission interface 24 ′, the mobile electronic device 1 ′ includes a second digital signal transmission interface 12 ′, and the first digital signal transmission interface 24 ′ of the external payment device 2 ′. The signal is connected to the second digital signal transmission interface 12' of the mobile electronic device 1' so that the external payment device 2' and the mobile electronic device 1' can perform signal transmission and reception with each other. For example, the first digital signal transmission interface 24' of the external payment device 2 has a USB connector 240', and the second audio transmission interface 12' of the mobile electronic device 1' has a USB port 120'. The USB port 120' is inserted to connect the external payment device 2' to the mobile electronic device 1'. It should be noted that the use of the USB interface specification for digital data transmission is only an enumeration. Of course, other standard transmission interfaces may also be used for digital data transmission, which is not limited thereto. The other internal components are the same as the previous embodiment, and thus will not be described again.

Furthermore, considering the convenience of the user carrying the mobile payment assembly, the external payment device can be designed as a set of shells, whereby when the external payment device is connected by wires or wireless signals and fixed to the mobile electronic device, The external payment device is suitable for wrapping mobile electronic devices, so that it has the function of a general mobile phone case, which can prevent external impact and exert an aesthetic effect.

In addition, in addition to the above two ways of wired transmission through physical wiring, it can also be transmitted wirelessly. The external payment device (not shown) has a wireless signal transmitter, and the mobile electronic device (not shown) has a wireless signal receiver, and the wireless signal transmitter is coupled to the wireless signal receiver for external connection. The payment device and the mobile electronic device perform signal transmission and reception with each other. This is also a possible implementation. The wireless signal transmitter and the wireless signal receiver may be a Bluetooth wireless communication module, a Wi-Fi wireless communication module, a near field communication (NFC) wireless communication module, and a Z-Wave wireless communication module. Or any of a ZigBee wireless communication module.

Next, please refer to FIG. 7, which is a block flow diagram of the financial transaction payment method of the present invention. Please also refer to Figure 1 and Figure 7. First, step (a) is performed to provide an action payment assembly, the action payment assembly including a mobile electronic device 1 and an external payment device 2 connected to the mobile electronic device 1. The external payment device 2 can transmit signals to the mobile electronic device 1 by means of an audio interface, a digital signal transmission interface or wireless transmission and reception. This part has been described above.

After step (a), step (b) is performed. In step (b), a pairing procedure is performed between the mobile electronic device 1 and the external payment device 2, and after the pairing procedure is successful, the mobile payment assembly can perform a financial transaction. Conversely, if the pairing procedure fails, the action payment assembly cannot be used to perform financial transactions.

The detailed pairing step of the step (b) is as follows: (b1) confirming that one of the zero-key units (not shown) of the external payment device 2 is coupled to the first key unit 10 of the mobile electronic device 1 and the external connection At least one of the second key unit 20 of one of the wafer modules 21 of the type payment device 2, which is specifically described herein, may be regarded as the authentication of the first layer. Next, (b2) confirm that the first key unit 10 of the mobile electronic device 1 is coupled to the second key unit 20 of the external payment device 2, and it should be specifically stated that this can be regarded as the second layer. Certification. Of course, this certification process is not limited to hardware or in the cloud.

The first key unit 10 is built in the mobile electronic device 1, and the second key unit 20 is built in the chip module 21 of the external payment device 2; or, the first key unit 10 is built in In the mobile electronic device 1, and the second key unit 20 is loaded from the outside and is granted to the wafer module 21 corresponding to the external payment device 2; or, the first key unit 10 is loaded from the outside and is given the corresponding mobile electronic The device 1 and the second key unit 20 are built in the chip module 21 of the external payment device 2; or, the first key unit 10 is loaded from the outside and is granted to the corresponding mobile electronic device 1, and the second key The unit 20 is loaded from the outside and is granted to the wafer module 21 corresponding to the external payment device 2, and the like.

After the step (b), the financial transaction payment method of the present invention further comprises the step of: (c) transmitting a request transaction message S1 from the outside to the action payment assembly; or, from the action payment assembly, transmitting a request transaction message to an outside world. . The action payment assembly is pre-set to be active or passive. For the convenience of explanation, this case is always a passive example of action payment, but it is not a limitation.

In the step (c), there are two possible transaction steps. The first possible transaction step is: (c1) the mobile external payment device 2 is close to an external one operating the endpoint server 3, and the operating terminal is The point server 3 transmits a request transaction message S1 to the external payment device 2 to perform a financial transaction. After the step (c1), the executing step (d1) transmits a consent message from the action payment assembly to the operation endpoint server 3, and the operation endpoint server 3 transmits a transaction information I to the action branch. At least one of the mobile electronic device 1 and the external payment device 2, wherein the transaction information I includes at least one of an electronic invoice information, a transaction item detail, and a transaction date detail; or The reject message is terminated from the action payment assembly to the operational endpoint server 3, and the action payment assembly terminates the transaction with the operational endpoint server 3.

The second possible transaction step is: (c2) transmitting a request transaction message S5 from the action payment assembly to one of the outside remote transaction authentication units, the remote transaction authentication unit may be a financial transaction platform 7 or A hardware with another key (not shown) is provided to assist in confirming the ownership of the external payment device 2, which is specifically stated herein as the third layer of authentication. After the step (c2), the step (d2) is performed to transmit a stored value message from the remote transaction authentication unit to the mobile payment assembly to store the value to the external payment device 2; or, to transmit a reject message from the remote end Transaction certification unit to the action payment assembly, this may happen when the account balance is insufficient.

Next, please refer to FIG. 8 , which is another block flow diagram of the financial transaction payment method of the present case, and please refer to FIG. 1 and FIG. 8 together. First, step (a) is performed to provide a payment system including a mobile payment assembly and an operational endpoint server 3, the mobile payment assembly including a mobile electronic device 1 and a signal connected to the mobile electronic device 1 One of the external payment devices 2.

The detailed steps of the step (a'') are as follows: (a1') confirming that the zeroth key unit of one of the external payment devices 2 is coupled to the first key unit 10 of one of the mobile electronic devices 1; and/or, confirming The zeroth key unit (not shown) of one of the external payment devices 2 is coupled to the second key unit 20 of one of the chip modules 21 of the external payment device 2, which is the first layer authentication; (a2' It is confirmed that the first key unit 10 of the mobile electronic device 1 is coupled to the second key unit 20 of the external payment device 2, which is the second layer authentication. The first key unit 10 and the second key unit 20 have four possible settings: the first key unit 10 is built in the mobile electronic device 1, and the second key unit 20 is built in the external type. The chip module 21 of the payment device 2; or the first key unit 10 is built in the mobile electronic device 1, and the second key unit 20 is loaded from the outside and is granted to the chip module corresponding to the external payment device 2 21; or, the first key unit 10 is loaded from the outside and is granted to the corresponding mobile electronic device 1, and the second key unit 20 is built in the chip module 21 of the external payment device 2; or, the first key The unit 10 is loaded from the outside and is granted to the corresponding mobile electronic device 1, and the second key unit 20 is loaded from the outside and is granted to the chip module corresponding to the external payment device 2. twenty one.

After the step (a'), the step (b') is carried out. In step (b'), the external payment device 2 is moved close to the operation endpoint server 3, so that the external payment device 2 and the operation endpoint server 3 perform information transmission and reception with each other to perform A financial transaction.

In the step (b'), the method includes the following steps: (b1') transmitting a request transaction message S1 from the operation endpoint server 3 to the action payment assembly; or, transmitting a request transaction message from the action payment assembly ( The figure is not shown to the operation endpoint server 3, and the action payment is always passive or active. In this case, the former case is enumerated; in the case of the step (b2'), a consent message is transmitted from the action payment assembly. To the operational endpoint server 3, the operational endpoint server 3 transmits the transaction information I to the mobile payment assembly; or, if a rejection message is transmitted from the mobile payment assembly to the operational endpoint server 3, the transaction is terminated.

Receiving, in step (c'), transmitting a transaction information I from the operation endpoint server 3 to the mobile payment assembly, and the transaction information I can be stored in the mobile electronic device 1 of the mobile payment assembly and the external connection At least one of the payment devices 2. The transaction information I includes at least one of electronic invoice information, transaction item details, and transaction date details. With this setting, the invoice information can be stored in the consumer's mobile phone, eliminating the need for the consumer to renew the invoice.

After the step (c'), the steps (d') and (e') are further included. Step (d') transmits a request transaction message S5 from the action payment assembly to a remote transaction authentication unit (not shown). Step (e') transmits a stored value message from the remote transaction authentication unit 233 to the mobile payment assembly; or, a reject message is transmitted from the remote transaction authentication unit to the mobile payment assembly.

In summary, the action payment assembly disclosed in the present case is composed of an external payment device and a mobile electronic device. Since the external payment device itself has the function of near field wireless communication, the mobile electronic device itself does not need With the function of near field wireless communication, the external payment device can be applied to all kinds of smart phones. In other words, the user can continue to use the original mobile phone but upgrade to have the function of near field wireless communication. Further, as long as the action payment assembly of the case is carried, it is no longer necessary to carry the physical wallet. In addition, through the key pairing authentication between the external payment device and the mobile electronic device, the function of identity authentication and identification via wireless is enhanced, and the security and non-repudiation of the transaction are improved, and the wireless communication is further protected. The transaction behavior between the information service of the Internet service system and the financial transaction service provider. And this certification program is an open system and easier to promote.

However, the above is only the preferred embodiment of the present case, and it is not intended to limit the scope of patent protection in this case. Therefore, the equivalent changes in the case of the present specification and the contents of the drawings are all included in the scope of protection of the case. Combined with Chen Ming.

1‧‧‧Mobile electronic device

10‧‧‧First Key Unit

11‧‧‧Application software

12‧‧‧Second audio transmission interface

120‧‧‧ source hole

2‧‧‧External payment device

20‧‧‧Second key unit

21‧‧‧ wafer module

22‧‧‧wafer card

23‧‧‧ Data Processing Module

230‧‧‧Sensor antenna

24‧‧‧First audio transmission interface

240‧‧‧Source connector

3‧‧‧Operating Endpoint Server

31‧‧‧Central Information Unit

32‧‧‧Transceiver sensing device

S1‧‧‧Request transaction message

S2‧‧‧Response to transaction information

I‧‧‧Transaction Information

Claims (11)

An action payment assembly includes: a mobile electronic device; a first key unit disposed in the mobile electronic device; and an external payment device coupled to the mobile electronic device, the external payment device including a a chip module and a data processing module for accommodating a wafer card; wherein the chip card has a second key unit, the data processing module includes a sensing antenna, and the sensing antenna is used to communicate with one of the outside The operation endpoint server performs information transmission and reception; wherein the data processing module checks the first key unit in the mobile electronic device and the second key unit in the chip card, the external payment device Executing a financial transaction action; wherein the operation endpoint server sends a request transaction message to the external payment device, and causes the external payment device to return a response transaction message to the operation endpoint server, wherein The response transaction message is a consent message or a rejection message; wherein the operation is sent after the consent message is transmitted to the operation endpoint server Point a transaction server return the information to the external device or the payment of the mobile electronic device and for storing the transaction information includes an electronic invoice information. The action payment module of claim 1, wherein the data processing module further comprises an access unit; wherein the operation endpoint server is sent after the consent message is transmitted to the operation endpoint server Returning the transaction information to the access unit of the data processing module; or the mobile electronic device further includes a mobile electronic device access unit; wherein the operation is transmitted after the consent message is transmitted to the operation endpoint server The endpoint server returns the transaction information to the mobile electronic device access unit of the mobile electronic device. The action payment assembly of claim 1, wherein the mobile electronic device has an application software, and the application software is connected to a financial transaction platform on the network for the user to conduct a financial transaction; The financial transaction is a stored value transaction, a payment transaction, a transfer transaction or a query transaction. The action payment assembly of claim 1, wherein the mobile electronic device has a first application software, and the first application software sends a request transaction message via the external payment device. The second application software to one of the other mobile electronic devices performs signal transmission for the user to perform a financial transaction; wherein the financial transaction is a stored value transaction, a payment transaction, a transfer transaction or a query transaction. The action payment assembly of claim 4, wherein the second application software sends a response transaction message to the first application software; wherein the response transaction message is a consent message or a rejection message. The mobile payment assembly of claim 1, wherein the first key unit is a hardware identification code of the mobile electronic device, and a telecommunication chip identification code installed in the mobile electronic device is directly connected to the mobile payment device. At least another hardware identification device of the mobile electronic device, a key number built into the mobile electronic device, the mobile electronic device receiving one of the stored key numbers from the outside, and one of the application software downloaded by the mobile electronic device The key number, or one of the user-set key numbers. The mobile payment assembly of claim 1, wherein the external payment device has a first audio interface, the mobile electronic device has a second audio interface, the first audio transmission interface and the second audio The transmission interface signal is coupled to enable signal transmission and reception between the external payment device and the mobile electronic device. The mobile payment assembly of claim 1, wherein the external payment device has a first digital signal transmission interface, and the mobile electronic device has a second digital signal transmission interface, the first digital signal transmission interface And connecting to the second digital signal transmission interface signal, so that the external payment device and the mobile electronic device perform signal transmission and reception with each other. The mobile payment assembly of claim 8, wherein the first digital signal transmission interface and the second digital signal transmission interface are each a USB interface or other standard transmission interface. The mobile payment assembly of claim 7 or 8, wherein the external payment device has a wireless signal transmitter, the mobile electronic device has a wireless signal receiver, and the external payment device and the action The electronic devices are connected to the wireless signal receiver via respective wireless signal transmitters. The mobile payment assembly of claim 10, wherein the wireless signal transmitter and the wireless signal receiver are a Bluetooth wireless communication module, a Wi-Fi wireless communication module, and a near field communication. (NFC) wireless communication module, a Z-Wave wireless communication module or a ZigBee wireless Any of the communication modules.