TWI601079B - Mobile payment system and its implementing method - Google Patents

Description

Mobile payment system and implementation method thereof

A mobile payment system and an implementation method thereof, and more particularly to an action payment system and a method for implementing the same, through the mobile communication device, simultaneously completing the acquisition of the preferential information and the payment of the payment.

The advent of the Mobile Commerce era has not only increased consumer adhesion to mobile devices such as smart phones and tablets, but also merchants' willingness to provide relevant business services through mobile devices. It has also grown substantially. According to research by Forrester Research in the United States, by 2018, up to 54% of e-commerce transactions will be completed by mobile communication devices, such as mobile communication. The device provides car service, order service, retail shopping service, group purchase service, and even the sale or advertising behavior of gifts (such as coupons). The related applications are dazzling, and with the prevalence of mobile payment, consumption They don’t even need to carry a physical wallet, they just need to carry a smart phone to go out and be able to cope with the life of the food and clothing. However, the existing mobile business service providers and The mobile payment service providers are mostly independent companies, which means that consumers must store one mobile business service application and one mobile payment service application respectively in the mobile communication device. After the application obtains the relevant services, it then executes the mobile payment service application to complete the payment action. This not only causes the burden on the device storage space of the consumer, but most importantly, it will cause a decline in the overall service experience quality, so there are many Mobile business service providers and mobile payment service providers actively integrate actions, or their own businesses play two roles at the same time to provide consumers with the ability to complete business services and payment services in a single application.

Cheng, and please refer to the Republic of China Invention Patent Publication No. TW201445466A "Control Method for Integrating One-Time Bar Code Exchange for Electronic Tickets", which discloses a ticket purchase for a consumer to make a reservation ticket through a mobile device, and At the same time, online payment is completed to obtain the method of unregistered booking tickets. However, there are two major problems in the prior art, one is to pay for the security of data leakage, and the other is that the mobile device must be connected to the network ( That is, with the Internet connection, the problem of the use of business services and payment services can be completed normally.

In view of the above problems, the inventors have studied and analyzed existing system architectures based on years of experience in related industries and product design, and are able to design a better mobile payment system; thus, the present invention The main purpose of the invention is to provide an action payment system and a method for implementing the payment of the payment and the exchange of the preferential information in the connection state or the offline state of the mobile communication device.

For the above purposes, the mobile payment system of the present invention mainly includes a mobile communication device, a server server, a payment server, and a merchant sales device. The mobile communication device has a discount application, and the preferential application has A preferential information access module, a payment module, a code generation module and a connection detection module, the server server has a payment code generation module, a payment voucher generation module, and a voucher analysis module. a payment database and a preferential information database. Further, the merchant sales device includes a terminal vending machine and a code scanner, and the implementation method of the mobile payment system of the present invention is performed by the payment module. The binding of a payment method, the server server sends a payment data to the payment server, and requests the verification to be correct. If the verification is successful, the server server generates a payment code, and continues to access the information through the preferential information. The group accesses at least one piece of preferential information, and then the payment module pays the payment. At this time, the mobile communication device will send The information including the preferential information, the payment code and the payment information is sent to the server, and the payment certificate generation module generates a plurality of payment certificates. When the user arrives at the merchant to use the preferential information, the connection detection module detects The wireless connection status of the mobile communication device is determined as a connection state or an offline state. If the connection state is in a wired state, the barcode generation module generates at least one barcode including the first payment certificate, and is read by the barcode scanner. Take the barcode and enter the payment by the terminal vending machine After the amount, the bar code information and the payment amount are transmitted to the server server, and the voucher parsing module will interpret the bar code information to know the first payment voucher, confirm the validity and request the debit payment from the payment server, and after completing the deduction, If the notification is successful, if the user is in an offline state, the user will be required to input the payment amount, and the barcode generation module generates at least one barcode including the second payment certificate and the payment amount, and reads the barcode scanner. After the barcode, the barcode information will be transmitted to the server server, and the certificate parsing module will interpret the barcode information to know the second payment certificate and the payment amount, and confirm the validity and request the payment from the payment server. , reply to the notice of successful deduction.

In order for your review board to have a clear understanding of the purpose, technical features and effects of the present invention, the following description will be used in conjunction with the illustrations, please refer to it.

1‧‧‧Mobile payment system

11‧‧‧Mobile communication device

12‧‧‧Server server

111‧‧‧Central Processing Module

121‧‧‧Payment Code Generation Module

112‧‧‧Network communication module

122‧‧‧payment voucher generation module

113‧‧‧Promo application

123‧‧‧Voucher parsing module

1131‧‧‧Special Information Access Module

124‧‧‧Payment database

1132‧‧‧Payment module

125‧‧‧Promotional Information Database

1133‧‧‧ barcode generation module

1134‧‧‧Connection detection module

13‧‧‧Payment Server

14‧‧‧Business terminal sales device

141‧‧‧ terminal sales machine

142‧‧‧Barcode Scanner

Implementation method of S10‧‧‧ mobile payment system

S101‧‧‧ Payment method verification procedure

S102‧‧‧ Payment Document Generation Step

S103‧‧‧Connection Status Detection Procedure

S104‧‧‧Connection status payment procedure

S105‧‧‧Offline payment steps

Figure 1 is a schematic diagram of the system architecture of the present invention.

Figure 2 is a schematic view showing the first embodiment of the present invention.

Figure 3 is a schematic view showing the second embodiment of the present invention.

Figure 4 is a schematic view showing a third embodiment of the present invention.

Figure 5 is a schematic diagram showing the steps of verifying the payment method of the present invention.

Figure 6 is a schematic diagram showing the steps of generating a payment voucher according to the present invention.

Figure 7 is a schematic diagram of the payment state of the connection state of the present invention.

Figure 8 is a schematic diagram of the offline state payment step of the present invention.

Please refer to FIG. 1 for a schematic diagram of the system architecture of the present invention. As shown, the mobile payment system 1 of the present invention includes a mobile communication device 11, a server server 12, a payment server 13 and A merchant-side sales device 14 and a server-side server 12 respectively provide information connection with the payment-side server 13 and the merchant-side sales device 14, and in addition, the mobile communication device 11 is in a normal connection state, and the server server 12 can also The mobile communication device 11 is configured to form an information link. The mobile communication device 11 includes a central processing module 111, and a network communication module 112 and a preferential application 113 are connected to the central processing module 111. The central processing module 111 can be Actuating and controlling the operation of the mobile communication device 11 and its modules, such as a Microprocessor Control Unit (MCU) or a Central Processing Unit (CPU), but not The network communication module 112 can be used by the mobile communication device 11 to connect to the server 12 by means of wireless connection to transmit and access data files. The wireless connection method can be such as Internet, Wi-Fi or Bluetooth. However, any data file can be transmitted to the mobile communication device 11 and the server. The connection mode between the devices 12 can be implemented. In addition, the preferential application 113 has a preferential information access module 1131, a payment module 1132, a code generation module 1133, and a connection detection. The test module 1134, after executing the discount application 113, the preferential information access module 1131 can browse and access at least one preferential fund. The payment module 1132 can be used to verify the payment data of at least one payment method to obtain a corresponding payment code, and can also access the preferential information after the preferential information access module 1131 accesses the payment module. 1132 and the execution of the network communication module 112, sending the preferential information, the payment code, and a payment information to the server server 12, and receiving the plurality of payment certificates generated by the server server 12, wherein the The payment method can be bank transfer, bank account debit, credit card, debit card, electronic ticket, stored value card and electronic payment account. If credit card payment is used as an example, the payment information can be credit card account name and credit card. The barcode generation module 1133 is configured to generate at least one barcode including only the payment certificate, and may also generate a payment including one of the card number, the credit card expiration date, or the credit card security code (Card Security Code, CSC for short). a barcode of the voucher and other information (such as the transaction amount), and the barcode can be read by the merchant selling device 14, wherein the The code can be a one-dimensional bar code or a two-dimensional bar code, and the connection detection module 1134 can detect the wireless connection condition of the network communication module 112 of the mobile communication device 11 and determine that the mobile communication device 11 is in a connected state or An offline status.

Please refer to FIG. 1 . As shown in the figure, the server server 12 includes a payment code generation module 121 , a payment certificate generation module 122 , a certificate analysis module 123 , a payment database 124 , and a The discount information generating module 121, the payment certificate generating module 122 and the voucher analyzing module 123 are respectively linked with the payment database 124 and the preferential information database 125, and when the preferential application 113 is executed, Pay The module 1132, when performing payment verification of the payment method, the server server 12 connects the information to the payment server 13 to confirm the correctness of the payment data. After the verification is completed, the payment code generation module 121 can The payment data generates a payment code according to a code encoding rule, that is, the payment data of different payment methods will be separately generated into different payment codes, wherein the payment server 13 is placed in a financial institution or an electronic The server of the payment institution, in particular, the payment code is a database index code for indexing the payment data stored in the payment database 124, in other words, the payment code. The payment certificate generating module 122 does not include the payment information such as the credit card number or the credit card expiration date, and the payment credential generating module 122 sends the discount information, the payment code and the payment information to the server server 12 according to the voucher code. The rule generates a plurality of payment vouchers (such as a first payment voucher, a second payment voucher, a third payment voucher... N payment voucher) and sent to the mobile communication device 11 and the payment database 124, respectively, and associated with each other, wherein the plurality of payment voucher may be set to have a valid period, or may be given different For example, in the connection state, for example, three payment certificates are set, and the first payment voucher is set to be used only when the network communication module 112 determines that the mobile communication device 11 is in the connection state, and the second The payment voucher and the third payment voucher are set to be used when the mobile communication device 11 is offline, and the preferential information database 125 stores a plurality of preferential information, where the preferential information is for the merchant to its goods or services. Offer discounts (such as 40% off the original price of the goods) or value-added discounts (such as buy one get one free), etc.; merchant sales equipment 14 includes a terminal sales machine 141 and a The barcode scanner 142 can read the one-dimensional barcode or the two-dimensional barcode, and the read information will be transmitted to the server server 12 through the terminal vending machine 141, and the payment is performed by the certificate parsing module 123. Confirmation of the voucher.

Please refer to FIG. 2, which is a schematic diagram of a first embodiment of the present invention, and please refer to "FIG. 1". As shown in the figure, in the first embodiment, the implementation method S10 of the mobile payment system of the present invention is shown. , including the following steps: A payment method verification step S101: Please refer to "figure 5" as a schematic diagram of the payment method verification step of the present invention. As shown in the figure, after a preferential application 113 of a mobile communication device 11 is executed, it is required to pass through a The payment module 1132 performs binding of at least one payment method (such as credit card payment, etc.), and the user needs to input a payment data (such as a credit card number, etc.), and the payment data is transmitted through a network communication module 112 of the mobile communication device 11. Sending to a server server 12, the server server 12 stores the payment data in a payment database 124, and sends the payment data to the payment server 13 corresponding to the payment method. Requesting the payment server 13 to verify whether the payment data is correct, the payment server 13 will confirm the payment information according to the data stored by the user in advance, and reply to the server 12 to verify whether the verification is successful, and if so, The server server 12 will generate a payment code according to a code encoding rule, and store it in the payment database 124 and the mobile communication device 11 respectively. Verification and binding of the payment method, wherein, in particular, if the binding of at least one payment method has been completed, the payment method verification step S101 described herein is used unless binding to other types of payment methods is required. Next time to execute the discount application In the case of Equation 113, there is no need to perform it again.

a payment voucher generation step S102: the user can execute the concession application 113, and browse the plurality of preferential information stored in the preferential information database 125 of the server server 12 by using the preferential information access module 1131, and After accessing at least one piece of preferential information, payment can be made by the payment module 1132. In this case, please refer to "FIG. 6" as a schematic diagram of the payment voucher generation step of the present invention, as shown in the figure, the mobile communication The device 11 will send the information including the preferential information specified by the user, the payment code that has been verified, and the payment information to the server server 12, and a payment certificate generating module 122 of the server server 12 will be based on the The voucher encoding rule generates a plurality of payment voucher (such as a first payment voucher, a second payment voucher, and a third payment voucher), and stores them in the payment database 124 and the mobile communication device 11 respectively, and is associated with each other, wherein After the mobile communication device 11 obtains a plurality of payment vouchers, it is not necessarily used in the current connection state, that is, a plurality of payment vouchers May be set to have a validity period, it can also be given different purposes at the connection status.

a connection state detecting step S103: when the user arrives at the merchant and wants to use the preferential information (such as a product price discount or a product to buy one get one free), a connection detection module 1134 of the preferential application 113, The wireless connection condition of the network communication module 112 of one of the mobile communication devices 11 is detected, and it is determined that the mobile communication device 11 is in a connected state or an offline state.

A connection state payment step S104: Please refer to "FIG. 7" for the connection state payment step of the present invention. As shown in the figure, when it is determined that the mobile communication device 11 is in the connected state, the preferential application 113 a code student The module 1133 will generate at least one bar code (which may be a one-dimensional bar code or a two-dimensional bar code), wherein the bar code includes the first payment voucher generated by the payment voucher generation module 122, in other words, will be stored in The first payment voucher in the mobile communication device 11 is presented in a bar code manner, and the merchant sales device 14 reads the barcode by using a code scanner 142, and then inputs the payment amount through a terminal vending machine 141, and then transmits the barcode information and the payment amount. The terminal vending machine 141 transmits to the server server 12, and a voucher parsing module 123 of the server server 12 interprets the bar code information to learn the first payment voucher, and confirms the validity of the first payment voucher. The payment server 13 is requested to deduct the payment, in particular, the payment data corresponding to the payment code is indexed in the payment database 124, and the payment data and the payment amount are sent to the payment server 13 for deduction, and the payment server is provided. After confirming the user's payment data and completing the deduction, the device 13 returns a notification of successful deduction to the server server 12, and at the same time, the server server 12 also respectively Mobile communication device 11 and the business end sales charge means 14 sends a notification of success, for the user and the merchant knows.

Please refer to FIG. 3, which is a schematic diagram of a second embodiment of the present invention, and please refer to "FIG. 1". As shown in the figure, in the second embodiment, the implementation method S10 of the mobile payment system of the present invention is shown. The method includes the following steps: a payment method verification step S101: after a preferential application 113 of the mobile communication device 11 is executed, the payment module 1132 is required to perform binding of at least one payment method (such as credit card payment, etc.). The user needs to input a payment data (such as a credit card number, etc.), and the payment data will be transmitted via the mobile communication device 11 The network communication module 112 is sent to a server server 12, and at the same time, the server server 12 stores the payment data in a payment database 124, and sends the payment data to the payment method. a payment server 13 and requesting the payment server 13 to verify whether the payment data is correct, and the payment server 13 will confirm the payment data according to the data stored by the user in advance, and reply to the server servo. The server 12 verifies whether the success is successful. If so, the server server 12 generates a payment code according to a code encoding rule, and stores it in the payment database 124 and the mobile communication device 11 respectively to complete the verification and binding of the payment method. (Please refer to "Figure 5"). In particular, if the binding of at least one payment method has been completed, the payment method verification step S101 described herein is not required unless other types of payment methods need to be bound. The next time the user executes the offer application 113, there is no need to re-execute it.

a payment voucher generation step S102: the user can execute the concession application 113, and browse the plurality of preferential information stored in the preferential information database 125 of the server server 12 by using the preferential information access module 1131, and After accessing at least one piece of the offer information, the payment module 1132 can perform payment of the payment. At this time, the mobile communication device 11 transmits the payment code including the user-specified offer, the verified payment code, and the payment information. The information is sent to the server 12, and a payment voucher generation module 122 of the server server 12 generates a plurality of payment voucher (such as a first payment voucher, a second payment voucher, and a third payment according to a voucher encoding rule). Credentials) are stored in the payment database 124 and sent to the mobile communication device 11 respectively, and are associated with each other, wherein the mobile communication device 11 obtains a plurality of payment vouchers After that, it is not necessarily used in the connection state at that time. Therefore, in addition to being able to be set to have a valid period, a plurality of payment certificates can also be assigned to different connection states (please match See "Figure 6").

a connection state detecting step S103: when the user arrives at the merchant and wants to use the preferential information (such as a product price discount or a product to buy one get one free), a connection detection module 1134 of the preferential application 113, The wireless connection condition of the network communication module 112 of one of the mobile communication devices 11 is detected, and it is determined that the mobile communication device 11 is in a connected state or an offline state.

An offline state payment step S105: Please refer to "8th figure" as a schematic diagram of the offline state payment step of the present invention. As shown in the figure, when it is determined that the mobile communication device 11 is in an offline state, the user is required to input the user first. A payment amount, and the barcode generation module 1133 of the preferential application 113 generates at least one barcode. Specifically, the barcode here includes the second payment certificate generated by the payment certificate generation module 122 or the first The third payment voucher (ie, the payment voucher other than the first payment voucher) and the payment amount, in other words, the second payment voucher or the third payment voucher stored in the mobile communication device 11, and the payment amount is presented in a bar code manner. After the bar code scanner 142 reads the bar code, the bar code information is transmitted to the server server 12 via the terminal vending machine 141, and a voucher parsing module 123 of the server server 12 interprets the bar code information to know. The second payment voucher or the third payment voucher and the payment amount, and confirm the validity of the second payment voucher or the third payment voucher, and confirm After, namely the payment server 13 requests the charge end, specific words, i.e., to the payment database 124 index a corresponding pay payment code information, and transmits the payment amount and the payment information to support The payment server 13 requests the deduction. After the payment server 13 confirms the payment data of the user and completes the deduction, the payment server 13 returns a notification of successful deduction to the server server 12, and at the same time, the server 12 also The merchant-side selling device 14 sends a notification that the deduction is successful.

Please refer to FIG. 4 for a schematic diagram of a third embodiment of the present invention. Please refer to "FIG. 1" and "FIG. 2" as shown in the figure. In the third embodiment, the action of the present invention is shown. The implementation method S10 of the payment system is that when the user has completed the payment method verification step S101 and the payment certificate generation step S102, after a period of time, the user arrives at the merchant to use the preferential information, and then executes the connection first. The line state detecting step S103, in addition, when it is determined that the mobile communication device 11 is in a connected state, the payment voucher generating step S102 will be re-executed first, and after obtaining another set of payment voucher in a valid state, the connection is executed. The line state payment step S104, that is, the bar code generation module 1133 of the discount application 113 generates at least one bar code, wherein the bar code includes the first payment voucher generated by the payment voucher generation module 122, and the merchant sales device After the barcode is read by the barcode scanner 142, and the payment amount is input by the terminal vending machine 141, the barcode information and the payment amount are transmitted through the terminal vending machine 141. Transmitted to the server server 12, a voucher parsing module 123 of the server server 12 will interpret the bar code information to learn the first payment voucher, and confirm the validity of the first payment voucher. After the confirmation is successful, the server is sent to the payment terminal. The device 13 requests a charge.

Please refer to "Figure 2" to "Figure 4", as shown in the figure, the present invention When the mobile payment system is implemented, when the connection state payment step S104 or the offline state payment step S105 is performed, the connection state detection step S103 is still continued, that is, the connection detection module 1134 of the preferential application 113 The wireless connection status of the network communication module 112 of the mobile communication device 11 is continuously detected, and it is judged whether the connection status of the mobile communication device 11 is changed (for example, the connection state is changed to the offline state, or the offline state is changed. In the wired state, if the connection state is changed to the offline state, the original connection state payment step S104 is changed to the offline state payment step S105, and if the offline state is changed to the connection state, the reverse is performed.

Please refer to "Picture 7" and refer to "Figure 1" again. In the connection status payment step S104, when the user displays the barcode to the merchant sales device 14 through the mobile communication device 11, the mobile communication The device 11 will continue to poll (Polling) with the server 12 to instantly confirm the debit of the payment server 13; further, when the user leaves the barcode display screen and wants to display the barcode again to the merchant When the device 14 is sold, the payment voucher generation step S102 is re-executed, that is, the payment voucher generation module 122 of the server server 12 regenerates another set of multiple payment voucher for the mobile communication device according to the voucher encoding rule. The barcode generation module 1133 of 11 regenerates another barcode.

Please refer to "Figure 8" and refer to "Figure 1" again. As shown in the figure, in the offline payment step S105, when the user leaves the barcode display screen and wants to display the barcode again to the merchant sales device 14, Will be heavy The new offline payment step S105 is performed, and the user is required to input the payment amount again. The barcode generation module 1133 of the preferential application 113 regenerates at least one barcode. Specifically, the barcode is included in the barcode. The payment voucher is different from the first bar code. If the bar code displayed for the first time is the second payment voucher, the redisplayed bar code will use the third payment voucher, and when the plurality of payment voucher stored in the mobile communication device 11 has been used, When used, the barcode will not be generated again. In other words, the user will have to make the mobile communication device 11 in the connected state and re-acquire the other plurality of payment credentials.

As can be seen from the above, the mobile payment system of the present invention includes a mobile communication device, a server server, a payment server, and a merchant sales device. The mobile communication device includes a central processing module and has a The network communication module and a preferential application are linked to the central processing module. The preferential application has a preferential information access module, a payment module, a code generation module and a connection detection module. The server server can form a information link with the mobile communication device, the payment server, and the merchant sales device, and includes a payment code generation module, a payment certificate generation module, and a voucher analysis module. a payment database and a preferential information database, and the merchant sales device includes a terminal sales machine and a code scanner;

The implementation method of the mobile payment system of the present invention is that after the preferential application is executed, the payment module performs binding of at least one payment method, and the user inputs a payment data, and the server server pays the data. Transmitted to the payment server corresponding to the payment method, and requested to verify whether the payment data is correct. If the verification is successful, the server server generates a payment code according to a code encoding rule, and stores it in the payment database separately. And sent to the mobile communication device to complete the verification and binding of the payment method, and then access the plurality of preferential information through the preferential information access module, and after accessing at least one preferential information, the payment module can be used for payment. The payment, at this time, the mobile communication device will send the information including the preferential information, the payment code and the payment information to the server, and the payment certificate generation module generates a plurality of payment certificates according to a voucher encoding rule, when the user arrives When the merchant wants to use the preferential information, the connection detection module will detect the wireless connection status of the network communication module, and determine whether it is a connected state or an offline state, if it is connected, then The barcode generation module generates at least one barcode including a first payment certificate, and reads the barcode through the barcode scanner. After the end sales machine inputs the payment amount, the barcode information and the payment amount are transmitted to the server server, and the voucher parsing module will interpret the bar code information to obtain the first payment voucher, confirm the validity and request the debit from the payment server. After the deduction is completed, the notification of the successful deduction is returned. However, if the connection detection module determines that the network communication module is in an offline state, the user will be required to input the payment amount first, and the barcode generation module is regenerated. There is at least one bar code of the second payment voucher and the payment amount. After the bar code scanner reads the bar code, the bar code information is transmitted to the server server, and the voucher parsing module interprets the bar code information to know the second payment voucher and the payment amount. And confirm the validity and request deduction from the payment server, and reply to the successful deduction after the deduction is completed; Therefore, after the implementation of the present invention, it is indeed possible to provide an action payment system and a method for implementing the payment of the payment and the redemption of the preferential information by providing a mobile communication device in a connected state or an offline state.

The above description is only for the preferred embodiment of the present invention, and is not intended to limit the scope of the present invention; any changes and modifications made by those skilled in the art without departing from the spirit and scope of the invention All should be covered by the patent of the present invention.

In summary, the effects of the present invention are patents such as "industry availability," "novelty," and "progressiveness" of the invention; the applicant filed an invention patent with the bureau in accordance with the provisions of the Patent Law. Application.

Implementation method of S10‧‧‧ mobile payment system

S101‧‧‧ Payment method verification procedure

S102‧‧‧ Payment Document Generation Step

S103‧‧‧Connection Status Detection Procedure

S104‧‧‧Connection status payment procedure

Claims (9)

An action payment system includes: a server server having a payment code generation module, a payment certificate generation module and a certificate analysis module, the payment code generation module generating a payment code, the payment certificate The generating module can generate a plurality of payment vouchers, wherein the vouchers module can confirm the payment vouchers; a mobile communication device has a central processing module, and has a network communication module and a preferential application and the central processing The module is a news link. The offer application includes a preferential information access module, a payment module and a code generation module. The preferential information access module can access at least one piece of preferential information. Storing the payment code and inputting a payment amount, the barcode generation module can generate at least one code; and when the network communication module is in a connection state, the barcode generation module generates the one that includes one of the payment vouchers a barcode, when the network communication module is in an offline state, and the mobile communication device inputs the payment amount, the barcode generation module generates and includes Another proof of the payment of the bar code and the amount paid, the business end of a bar code after-sale device reads through the service end server to confirm, and to request a payment terminal server charge. The mobile payment server of claim 1, wherein the server server further includes a payment database and a preferential information database, the payment database storing the payment data, the payment code, and the payment. The voucher, the preferential information database stores a plurality of the preferential information. The mobile payment system of claim 1, wherein the server server can receive a payment data input by the payment module, and the payment server can verify the payment The payment code generation module generates the payment code according to a code encoding rule when the verification is successful. The mobile payment system of claim 1, wherein the plurality of payment vouchers have a valid period, and the voucher parsing module confirms the valid period of the payment voucher. The mobile payment system of claim 1, wherein the promotional application of the mobile communication device further comprises a connection detection module, wherein the connection detection module can detect the network communication mode The wireless connection status of the group, and determine whether the network communication module is in the connection state or the offline state. A method for implementing a mobile payment system includes the following steps: a payment voucher generation step: after accessing at least one offer information through a preferential information access module of a preferential application, payment can be made by a payment module At this time, a mobile communication device sends the preferential information, a payment code and a payment information to a server server, and a payment certificate generating module of the server server generates a plurality of payment certificates, and stores them in one a payment database, and sent to the mobile communication device; a connection status payment step: when the preferential information is used, if the mobile communication device is in a connected state, a code generation module generates the plurality of payment certificates At least one bar code of a first payment voucher is read by a code scanner, and after inputting a payment amount by the terminal vending machine, the bar code information and the payment amount are transmitted to the server server a voucher parsing module interprets the bar code information to learn the first payment voucher, and confirms the validity of the first payment voucher. Debit request to a payment terminal server. A method for implementing a mobile payment system includes the following steps: a payment voucher generation step: a preferential information access module through a preferential application After accessing at least one piece of preferential information, payment can be made by a payment module. At this time, a mobile communication device sends the preferential information, a payment code and a payment information to a server server, and the server serves the server. a payment voucher generation module generates a plurality of payment voucher and stores them in a payment database and sends to the mobile communication device; an offline state payment step: when the preferential information is used, if the mobile communication device is in a In the offline state, the mobile communication device is required to input a payment amount, and the code generation module generates at least one barcode including the second payment certificate and the payment amount of the plurality of payment certificates, and the barcode scanning machine Reading the barcode, the barcode information is transmitted to the server server, and the certificate parsing module interprets the barcode information to learn the second payment certificate, confirms the validity of the second payment certificate, and sends a servo to a payment terminal. Request for deduction. The method for implementing the mobile payment system according to claim 6 or 7, wherein the payment voucher generation step further comprises the following steps: a payment method verification step: inputting at least one through a payment module a payment method of the payment method, the server server sends the payment data to the payment server, and requests verification of the payment data, and if the verification is successful, the server server generates the payment code. A method for implementing a mobile payment system includes the following steps: a connection state detection step: accessing at least one preferential information through a preferential information access module of a preferential application, and using the preferential information The line detection module detects the wireless connection status of a network communication module, and determines that the network communication module is in a connected state; a payment voucher generation step: when the network communication module is the connection In the line state, the mobile communication device can send the preferential information, a payment code and a payment information to a server server a payment credential generating module of the server server generates a plurality of payment credentials, and respectively stored in a payment database and sent to the mobile communication device; a connection state payment step: generating a code generation module At least one bar code including a first payment voucher of the plurality of payment voucher, the bar code reading machine reads the bar code, and after inputting a payment amount by the terminal vending machine, the bar code information and the payment amount are transmitted To the server server, a voucher parsing module interprets the bar code information to learn the first payment voucher, confirms the validity of the first payment voucher, and requests a payment from a payment server.