TWI633507B - System for mobile payment, payment method thereof, computer program product - Google Patents

Abstract

A mobile device for mobile payment, comprising: a touch screen, inputting a transaction amount, designating a transaction account number, displaying a transaction time, a transaction verification code, the transaction account number, a transaction code, and a remark field And a QR code of one of the card issuing lines; and a processor, using a transaction key to perform the transaction amount, the transaction time, the transaction account number and the transaction code by using a key algorithm Computing to obtain the transaction verification code, translating the transaction time, the transaction account number, the transaction code, the remark field, the transaction verification code, and the plurality of groups of the issuing bank into the QR code, and transmitting the QR code To the touch screen. The present invention also includes a payment method and a computer program product for a mobile device for mobile payment.

Description

System for mobile payment, payment method thereof, computer program product

The present invention relates to the field of financial institutions, and more particularly to a mobile device for mobile payment, a payment method thereof, and a computer program product.

With the advancement of technology, the way financial institutions provide services has gradually extended from traditional physical bank locations to online services such as online banking, online credit card, mobile payment, etc. to enhance the convenience of financial operations for customers and financial institutions. Sex.

Mobile payment refers to the service of using mobile devices for payment. Consumers can use mobile devices to pay for services or digital and physical goods without the use of cash, checks or credit cards. There are four main types of mobile payment methods: SMS-based transfer payments, action bill payments, mobile device network payments (WAP), and contactless payments (NFC).

The QR code payment is also a payment method in the current action payment. However, there is currently no QR code payment, which is mainly based on the current platform and verification mechanism of inter-bank transactions to complete the transaction and payment.

In view of the above problems, an object of the present invention is to provide a mobile device for mobile payment, a payment method thereof, and a computer program product, wherein a QR code with transaction information is provided by a mobile device for scanning by a store scanner to complete transactions and payment. And the QR code provided by the mobile device has a transaction verification code to verify the transaction and ensure delivery Easy security.

The first aspect of the present invention provides a mobile device for mobile payment, comprising: a touch screen, inputting a transaction amount, designating a transaction account number, displaying a transaction time, the transaction account number, a transaction code, a remark field, a transaction verification code, and a QR code of one of the card issuing lines; and a processor, using a transaction key to use a key algorithm to calculate the transaction amount, the transaction time, and the transaction account number And a plurality of the transaction code are operated to obtain the transaction verification code, and the transaction time, the transaction account number, the transaction code, the remark field, the transaction verification code, and the plurality of groups of the issuing bank are translated into The QR code and send the QR code to the touch screen.

The second aspect of the present invention provides a payment method for a mobile device for mobile payment. The method is applied to the mobile device including a touch screen and a processor. The payment method includes the following steps: Entering a transaction amount on the screen and designating a transaction account number; the processor uses a key algorithm to calculate the transaction amount, a transaction time, the transaction account number, and a transaction code by using a transaction key. Obtaining a transaction verification code; the processor translating the transaction time, the transaction account number, the transaction code, a remark field, the transaction verification code, and a plurality of groups of a card issuing bank into the QR code, and transmitting Transmitting the QR code to the touch screen; and displaying, by the touch screen, the QR code having the transaction time, the transaction account number, the transaction code, the remark field, the transaction verification code, and the card issuer .

The third aspect of the present invention provides a computer program for storing a program The product, when the mobile device is loaded into the program and executed by the computer program product, can complete the second aspect of the present invention.

10‧‧‧Interline system

12‧‧‧Scanner

20‧‧‧ mobile devices

22‧‧‧ Processor

24‧‧‧ touch screen

26‧‧‧Transport interface

30‧‧‧Bank Payment Platform

1 is a schematic block diagram of a system architecture for mobile payment according to the present invention; and FIG. 2 is a flow chart of a payment method for mobile payment according to the present invention.

The present invention will be further understood by those of ordinary skill in the art to which the present invention pertains. .

1 is a schematic block diagram of a system architecture for mobile payment according to the present invention. In FIG. 1, a mobile device such as a smart phone or a tablet computer can perform bidirectional data transmission in a wireless transmission manner with a traversing system 10 and a bank payment platform 30. The mobile device 20 includes a processor 22, a touch screen 24, and a transmission interface 26.

When the consumer makes a transaction with the store, the consumer enters a transaction amount via the touch screen 24 of the mobile device 20. The transaction device 20 can load a transaction account number of multiple virtual payment instruments (for example, a financial card, a credit card or a stored value card), and the consumer selects the desired account through the Wallet app built in the mobile device 20. The transaction account of the payment instrument performs the transaction, so that only the mobile device 20 needs to be carried out to perform the transaction payment operation, and the transaction convenience can be improved.

The processor 22 receives, via the transmission interface 26, a transaction key transmitted by the bank payment platform 30, the transaction key being a transaction key of a non-fixed value, wherein the transaction key of the non-fixed value is a transaction each time the transaction device 20 performs the transaction. The keys are all different, which ensures the security of the mobile device 20 for mobile payment.

The processor 22 uses the transaction key received from the bank payment platform 30 to calculate the transaction amount entered by the consumer, the transaction time of the transaction, the transaction account number of the payment instrument selected by the consumer, and the transaction using the transaction key received from the bank payment platform 30. Part or all of the code is operated to obtain a transaction verification code, and the processor 22 translates the transaction time, the transaction account of the payment instrument, the transaction code, the remark field, the transaction verification code, and the issuing bank group into a QR code, and transmits the The QR code is to the touch screen 24, and the QR code is displayed by the touch screen 24, as shown in FIG.

The scanner 12 of the store scans the QR code on the touch screen 24 of the mobile device 20, and the scanner 12 interprets the scanned QR code from the transaction time, the transaction account of the payment instrument, the transaction code, the remark field, the transaction verification code, and The issuing bank, the store enters the transaction amount by a store terminal device (not shown), and checks the transaction amount, transaction time, transaction code, transaction verification code, transaction account of the payment instrument, remark field, issuer and end device check. The code or the like is transmitted to the interline system 10.

The interbank system 10 transmits the received transaction amount, transaction time, transaction code, transaction verification code, transaction account number of the payment instrument, remark field, issuer line, and end device check code to the bank payment platform 30 of the corresponding issuer. The bank payment platform 30 uses the transaction key transmitted to the mobile device 20 to calculate the transaction amount, the transaction time of the transaction, the transaction account number of the payment instrument selected by the consumer, and part or all of the transaction code. A verification comparison code is obtained, and the verification comparison code is compared with the received transaction verification code.

If the bank payment platform 30 determines that the verification comparison code is inconsistent with the transaction verification code, the bank payment platform 30 transmits a transaction failure message to the mobile device 20, or the bank payment platform 30 transmits a transaction failure message to the inter-bank system 10, and the inter-bank system 10 re-transactions The failure message is forwarded to the mobile device 20, and the processor 22 receives the transaction loss via the transmission interface 26. The message is lost and transmitted to the touch screen 24 for display to the consumer for viewing; if the bank payment platform 30 determines that the verification comparison code is consistent with the transaction verification code, the bank payment platform 30 debits according to the transaction amount and transmits a payment completion message. To the mobile device 20, or the bank payment platform 30 transmits a payment completion message to the inter-bank system 10, the inter-bank system 10 forwards the payment completion message to the mobile device 20, and the processor 22 receives the payment completion message via the transmission interface 26 and transmits the payment completion message to the touch device. The screen 24 is displayed to the consumer for viewing.

2 is a flow chart of a payment method for mobile payment according to the present invention. Referring to the system architecture of Figure 1, the process architecture of Figure 2 is illustrated.

In FIG. 2, when the consumer conducts a transaction with the store, the consumer selects the payment tool to be used by the wallet software built in the mobile device 20, and enters a transaction amount through the touch screen 24 of the mobile device 20. (Step S40).

The transaction key is transmitted by the processor 22 via the transmission interface 26 via the transmission interface 26 (step S42), the transaction key being a non-fixed value transaction key, wherein the non-fixed value transaction key is the mobile device 20 each time The transaction keys are different when the transaction is made, and the security of the mobile payment by the mobile device 20 can be ensured.

The amount of the transaction entered by the consumer, the transaction time of the transaction, the transaction account number of the payment instrument selected by the consumer, and the transaction are processed by the processor 22 using the transaction key using the transaction key from the bank payment platform 30. Some or all of the code is operated to obtain a transaction verification code (step S44).

The transaction time, the transaction account number, the transaction code, the remark field, the transaction verification code and the issuing bank group are translated into a QR code by the processor 22, and the QR code is transmitted to the touch screen 24, and the touch screen 24 displays the QR code (step S46), as shown in Figure 1.

The scanner 12 of the store scans the QR code on the touch screen 24 of the mobile device 20, and the scanner 12 interprets the scanned QR code from the transaction time, transaction account number, Transaction code, remarks field, transaction verification code and issuing bank, the store enters the transaction amount by the store terminal device, and the transaction amount, transaction time, transaction code, transaction verification code, transaction account account number, remark field, card issuance The line and end device check code and the like are transmitted to the interline system 10 (step S48).

The transaction amount, the transaction time, the transaction code, the transaction verification code, the transaction account number of the payment instrument, the remark field, the issuing bank, and the terminal device checking code are transmitted by the inter-banking system 10 to the bank payment platform 30 of the corresponding issuing bank. .

The transaction payment key transmitted to the mobile device 20 is used by the bank payment platform 30 to calculate part or all of the transaction amount, transaction time, transaction account number and transaction code to obtain a verification comparison code (step S50).

The calculated verification comparison code obtained by the bank payment platform 30 is compared with the received transaction verification code (step S52). If the bank payment platform 30 determines that the verification comparison code is inconsistent with the transaction verification code, the bank payment platform 30 transmits a transaction failure message to the mobile device 20, or the bank payment platform 30 transmits a transaction failure message to the inter-bank system 10, and the inter-bank system 10 re-transactions The failure message is forwarded to the mobile device 20, and the processor 22 receives the transaction failure message via the transmission interface 26 and transmits it to the touch screen 24 for display to the consumer for viewing.

If the bank payment platform 30 determines that the verification comparison code is consistent with the transaction verification code, the bank payment platform 30 debits according to the transaction amount, and transmits a payment completion message to the mobile device 20, or the bank payment platform 30 transmits the payment completion message to the inter-bank. The system 10, the inter-bank system 10 then forwards the payment completion message to the mobile device 20, and the processor 22 receives the payment completion message via the transmission interface 26 and transmits it to the touch screen 24 for display to the consumer for viewing (step S54).

The above-mentioned payment party for providing a mobile device for mobile payment The method can be implemented by a computer program product. After the mobile device downloads the computer program product from the network and executes it, the method steps shown in the above description and the drawings can be completed.

The present invention provides a mobile device for mobile payment, a payment method thereof, and a computer program product. The QR code for the transaction information is provided by the mobile device for scanner scanning of the store to complete the transaction and payment, and the QR provided by the mobile device The code has a transaction verification code to verify the transaction and ensure the security of the transaction.

The present invention has been described above with reference to the preferred embodiments and the accompanying drawings, and should not be considered as limiting. Various modifications, omissions and changes may be made without departing from the scope of the claims of the invention.

Claims (9)

A system for mobile payment, comprising: a mobile device, comprising: a touch screen, inputting a transaction amount, designating a transaction account number, displaying a transaction time, the transaction account number, a transaction code, and a remark column a QR code of one of a transaction verification code and a card issuer; and a processor that uses a key algorithm to calculate the transaction amount, the transaction time, the transaction account number, and the transaction by a transaction key A plurality of the code operations are performed to obtain the transaction verification code, and the transaction time, the transaction account number, the transaction code, the remark field, the transaction verification code, and the plurality of groups of the issuing bank are translated into the QR code. And transmitting the QR code to the touch screen; and a store scanner, scanning the QR code on the touch screen, and interpreting the scanned QR code to decode the transaction time, the transaction account number, and the transaction code , the remark field, the transaction verification code and a plurality of the issuing bank, and the transaction amount, the transaction time, the transaction code, the transaction verification code, the transaction account number, the preparation Field, wherein a plurality of transmitting the code check and the issuer of a terminal equipment to an interbank system. The system of claim 1, further comprising a transmission interface, the processor receiving, by the transmission interface, the transaction key transmitted by a bank payment platform, the processor receiving the bank payment platform or the inter-bank system transmission via the transmission interface A payment completion message is transmitted and the payment completion message is transmitted to the touch screen for display. The system of claim 2, wherein the transaction key is a transaction key that is not a fixed value. The system of claim 1, wherein the transaction account is a transaction account of a payment card of a financial card, a credit card or a stored value card. A payment method for a system for mobile payment, the method is applied to include a touch a mobile device of the screen and a processor, the payment method comprising the steps of: inputting a transaction amount on the touch screen and designating a transaction account number; and using the transaction key to apply a key algorithm by the processor The transaction amount, a transaction time, the transaction account number and a transaction code are operated to obtain a transaction verification code; the transaction time, the transaction account number, the transaction code, a remark field, Transmitting a verification code and a plurality of groups of a card issuing bank into the QR code, and transmitting the QR code to the touch screen; displaying, by the touch screen, the transaction time, the transaction account number, the transaction code, the a QR field of the remarks field, the transaction verification code and the plurality of issuers; and scanning the QR code on the touch screen by a store scanner to interpret the scanned QR code from the transaction Time, the transaction account number, the transaction code, the remarks field, the transaction verification code, and the plurality of issuers, and the transaction amount, the transaction time, the transaction code, the transaction verification Wherein the plurality of pass code, the transaction account number, the memo field, and the issuer of a check code to a terminal equipment interbank system. The payment method of claim 5, further comprising the steps of: receiving, by the processor, the transaction key transmitted by a bank payment platform via one of the mobile device transmission interfaces; and receiving, by the processor, the bank payment via the transmission interface The platform or the inter-bank system transmits one of the payment completion messages and transmits the payment completion message to the touch screen for display. The payment method of claim 6, wherein the transaction key is a transaction key of a non-fixed value. The payment method of claim 5, wherein the transaction account is a transaction account of a payment card of a financial card, a credit card or a stored value card. A computer program product for storing a program, when the system for mobile payment is loaded into the program and executed by the computer program product, the method of any one of claims 5 to 8 can be completed.