TWI700654B - Information processing method and mobile payment system of composite image code - Google Patents

Abstract

The present invention is an information processing method and mobile payment system for a composite graphic code. The store provides a composite graphic code. The composite graphic code is constructed by first providing different graphic code format information. The format integration process generates a composite graphic code format information, and then a graphic code generation program generates the composite graphic code. When a consumer holds a mobile device with a payment tool installed to retrieve the composite image code to connect to an application server of the payment tool company, the application server exchanges authorization information with a financial institution, and then obtains the The authorization information exchanges a payment certificate with the financial unit, and finally the application server and the financial unit respectively send notifications of successful payment to consumers and stores. By integrating different image code formats, the purpose of improving payment convenience is achieved.

Description

Information processing method and mobile payment system of composite image code

The present invention relates to an information processing method and system, in particular to a composite image code information processing method and mobile payment system.

With the rapid development of financial technology, more and more consumers use mobile payment to replace the past habit of using physical financial cards, physical credit cards or other types of payment cards for consumption.

In terms of existing technology, when general stores provide consumers with mobile payment services, they often use a QR Code for consumers to hold a mobile device to scan, as long as the consumer installs a mobile device in advance. An electronic wallet, and a virtual card is installed in the electronic wallet, and the virtual card can be used for payment after scanning the two-dimensional image code.

However, with the current two-dimensional image code technology, the store must first ask the consumer to use the virtual card of the financial card for payment, or the virtual card of the credit card for payment, or even other types of virtual cards, and when the consumer informs If you want to use a financial card or a credit card or other types of virtual cards, the store can provide a two-dimensional image code with financial card specifications, or a two-dimensional image code with credit card specifications, or a two-dimensional image code with other card specifications. The QR code allows consumers to scan and pay with the mobile device. The QR code can be displayed on a paper carrier or a display device. It is inconvenient for the store to prepare two or more QR codes at any time , It is quite inefficient for consumers to inform every time they check out.

Therefore, in terms of the above-mentioned problems in the prior art, it is indeed necessary to propose more solutions.

In view of the above-mentioned shortcomings of the prior art, the main purpose of the present invention is to provide a composite image code information processing method and mobile payment system, which utilizes mobile payment technology and performs data processing through the network, by merging different image codes In order to produce the technical effect of improving the convenience of payment.

The main technical means adopted to achieve the above-mentioned purpose is to make the aforementioned composite image code information processing method include the following steps: provide a first image code format information, provide a second image code format information; perform a image code format integration The program generates a composite graphic code format information based on the first graphic code format information and the second graphic code format information; executes a graphic code generation program to generate a composite graphic code based on the composite graphic code format information.

From the above steps, a store provides the composite graphic code. The composite graphic code is constructed by first providing the first graphic code format information and the second graphic code format information in different formats, and then the graphic code is executed The format merging process generates the composite graphic code format information, and then executes the graphic code generation process to generate the composite graphic code; consumers can use a mobile device to capture the composite graphic code, and based on the composite graphic code One-time support of different types of virtual cards for mobile code scanning payment services, by merging different graphic code formats, to achieve the purpose of improving payment convenience.

Another main technical means adopted to achieve the above-mentioned purpose is to make the aforementioned mobile payment system with composite graphics code include: an application server connected to the Internet; a financial unit connected to the application server through the Internet ; A mobile device installed with a payment tool program and connected to the Internet; wherein the mobile device retrieves a composite image code located at the near end, and connects to the application server according to the composite image code, and then The application server exchanges authorization information with a financial unit, and the application server exchanges a payment certificate with the financial unit based on the authorization information obtained to complete the payment service.

With the above structure, the near-end composite image code can be provided by a store for a consumer to scan with the mobile device. After the mobile device captures the composite image code, the composite image code and The application server is connected so that the application server exchanges the authorization information with the financial unit, and exchanges the payment certificate with the financial unit based on the authorization information, and finally completes the mobile scan code payment service; by merging different image code formats , The composite graphic code can support different types of virtual cards at one time to perform mobile scan code payment services to achieve the purpose of improving payment convenience.

Regarding the first preferred embodiment of the mobile payment system of the composite pattern code of the present invention, please refer to the formula shown in FIG. 1, which includes a carrier 10A of a store, a mobile device 20 of a consumer, and an application server of a payment tool company The mobile device 30 and a financial unit 40 are connected to the application server 30 via the Internet, the mobile device 20 is installed with a payment tool program (APP) 21, and the mobile device 20 is connected to the Internet. The carrier 10A has a composite graphic code 11, and the composite graphic code 11 is integrated and has different graphic code formats, and can support different types of virtual cards at one time. For the consumer's mobile device 20, When the mobile device 20 is close to the composite image code 11, the composite image code 11 belongs to a proximal end to the mobile device 20.

As shown in FIG. 1, when a consumer wants to make a purchase in a store, the consumer only needs to hold the mobile device 20 and execute the payment tool program (APP) 21, and retrieve or scan the near-end composite through the mobile device 20 After the mobile device 20 retrieves or scans the composite graphic code 11, it is connected to the application server 30 according to the composite graphic code 11, and the application server 30 sends it to the financial unit 40 exchanges an authorization information, and then the application server 30 exchanges a payment certificate with the financial unit 40 based on the obtained authorization information, and finally completes the mobile scan code payment service.

Further, the composite graphic code 11 is constructed by first providing different graphic code format information, generating a composite graphic code format information through a graphic code format consolidation process, and then generating the composite graphic code format information by a graphic code generating program. Picture code 11: By merging different picture code formats, the composite picture code 11 can support different types of virtual cards at one time, improving the convenience of payment.

In the preferred embodiment, the composite graphic code 11 includes a two-dimensional graphic code and a QR Code; the carrier includes a paper, a poster, and a non-metallic card, etc.; the mobile device 20 includes a smart type A mobile phone, a wearable device, a tablet computer, a notebook computer and a portable smart device, etc.; the payment tool program (APP) 21 includes an electronic wallet.

Please refer to FIG. 2. In this preferred embodiment, the financial unit 40 further includes an intermediary server 41, a card issuer server 42, and an acquirer server 43. The intermediary server 41, the The card issuer server 42 and the acquirer server 43 can be respectively connected to the network and exchange data through the network;

In this preferred embodiment, when a consumer activates the payment tool program (APP) 21 on the mobile device 20, and retrieves or scans the composite image code 11 at the near end through the mobile device 20, the payment The tool program (APP) 21 causes the mobile device 20 to establish a connection with the application server 30 according to the result of the analysis of the composite image code 11, and the application server 30 sends it to the intermediary server 41 of the financial unit 40 An authorization request, the intermediary server 41 sends the aforementioned authorization request to the card issuer server 42 of the financial unit 40 to exchange the authorization information, and the intermediary server 41 sends the authorization information to The application server 30;

Then, when the application server 30 obtains the authorization information, it sends a payment request to the intermediary server 41 of the financial unit 40, and then the intermediary server 41 sends a payment request to the acquirer server 43 of the financial unit 40. Send the payment request to exchange the aforementioned payment certificate. In this preferred embodiment, the application server 30 and the financial unit 40 respectively send notifications of successful payment to consumers and stores to further improve The convenience of scanning code payment between store and consumer.

Regarding the second preferred embodiment of the mobile payment system of the composite pattern code of the present invention, please refer to FIG. 3. The main technical content of this preferred embodiment is substantially the same as that of the previous embodiment, but this preferred embodiment In the middle system, an electronic device 10B is used to replace the carrier 10A of the previous embodiment; in this preferred embodiment, the electronic device 10B can provide the aforementioned composite image code 11 for the user to retrieve through the mobile device 20 Or scan the composite image code 11 at the proximal end, so that the store can directly display the composite image code 11 through the electronic device 10B at the checkout counter, so as to improve the durability and security of the composite image code 11. In this preferred embodiment, the electronic device 10B may include a computer device, a display, a screen, and a digital TV.

To illustrate the specific structure of the composite image code 11 in the above-mentioned preferred embodiments of the present invention, please refer to Figures 4 and 5, which provide a first image code format information 111 and a second image code format information. 112;

As shown in FIG. 4, the first image code format information 111 includes most first acquiring information, most reserved intervals, and most reserved intervals are set in most first acquiring information. In this preferred embodiment , Most of the first acquiring information includes more than one set of numbers (ID) and a corresponding name (Name), a sub-number (SUB ID), a length (Length), a value (Value) and a remark (Memo ), most of the reserved intervals are interspersed in most of the first acquiring information, for example: No. 00~26 are stored and support the use of the first picture code's acquiring information, but the numbers 35~40, 53 ~54...is a reserved interval for the acquiring information of the second image code.

As shown in FIG. 5, the second image code format information 112 includes a majority of second acquiring information, a reserved expansion area, and the reserved expansion area is set before, during, or after the majority of second acquiring information In this preferred embodiment, most of the second acquiring information includes a standard identification code (TWQRP), a name, a country code, a transaction type, and a version, and also includes a plain text area (Type D) , A cipher text area (Type E), the reserved extended area (Type O) is continued after the cipher text area (Type E), for example: the second image format information 112 has an original content, according to the original content Perform a coding format conversion (as shown in the table below in Figure 5) to generate the represented image code.

Please refer to FIG. 6A. Each of the second acquiring information is provided with an ID, which corresponds to most reserved intervals in the first image code format information 111, as shown in FIGS. 6A and 6B, for example: The standard identification code (TWQRP) corresponds to the group number (ID) of 35~40, then the standard identification code (TWQRP) corresponds to the name (Name) and the sub-number of the group number (ID) ( SUB ID), the length (Length), the value (Value) and the content of the memo (Memo) are merged into the original reserved interval of the first image code format information 111, as shown in Figure 6B, the first image code format The original reserved interval of the information 111 supports the use of the second image code, and other second acquiring information can be deduced by analogy to form a composite image code format information 113, which is not repeated here. A graphic code format merging process of the preferred embodiment described above is used to generate composite graphic code format information 113 as shown in FIG. 6B; finally, a graphic code generation process is executed to generate the composite graphic code.

In the preferred embodiment, the first image code format information 111 may be a credit card image code specification, and the second image code format information 112 may be a financial card image code specification; therefore, when the mobile device 20 captures and Analyzing the composite graphic code, the corresponding transaction process to be started can be determined according to the acquiring information in the composite graphic code. For example, the mobile device 20 determines whether the composite graphic code contains the acquiring information in the composite graphic code. The standard identification code (TWQRP), if any, is based on the credit card image code specification or the financial card image code specification according to the standard identification code (TWQRP) to activate the credit card transaction process or the financial card transaction process.

According to the above-mentioned preferred embodiments and specific application methods of the present invention, a composite image code information processing method can be further summarized, which can be implemented on the aforementioned store’s carrier 10A/electronic device 10B, and the consumer’s actions Between the device 20 and the application server 30 of the payment tool provider, as shown in FIG. 7, the method includes the following steps: providing a first image code format information, and providing a second image code format information (S71); The image code format merging process generates a composite image code format information based on the first image code format information and the second image code format information (S72); executes a image code generation process based on the composite image code format information Generate a composite image code (S73).

Further, when the above steps are executed to the step of "execute a code format merging process, generate a composite code format information based on the first code format information and the second code format information (S72)", such as As shown in FIG. 8, the method further includes the following sub-steps: according to the majority of reserved intervals of the first image code format information, insert the majority of the second acquiring information of the second image code format information into the first image code format information respectively In the reserved intervals of the format information (S721); according to inserting most of the second acquiring information into the reserved intervals of the first image code format information, a composite image code format information is generated (S722).

In this preferred embodiment, when the above steps are executed to "execute a code format merging process, a composite code format information is generated based on the first code format information and the second code format information (S72) As shown in Figure 9, the method may further include the following sub-steps: According to a reserved extension area of the second image code format information, most of the first acquiring information of the first image code format information, Sequentially merge into the reserved expansion area (S723); According to the sequential merging of most of the first acquiring information into the reserved expansion area, another composite code format information is generated (S724).

Further, after the above steps perform the step of "execute a graphic code generation program to generate a composite graphic code based on the composite graphic code format information (S73)", as shown in FIG. 10, the method further includes the following steps: The mobile device 20 captures the composite image code (S74), and determines whether there is a standard identification code (TWQRP) according to the composite image code (S75); if so, the mobile device 20 activates the corresponding one Transaction procedure; In this preferred embodiment, when the foregoing steps are performed to the step of "if yes, start a corresponding transaction procedure by the mobile device 20", the method further includes the following sub-steps: The mobile device 20 The standard identification code (TWQRP) judges whether it is a standard identification code of the first image code (S76); if so, the mobile device 20 executes a first image code analysis procedure (S77) to perform a first image code analysis procedure (S77) according to the composite image code A corresponding first transaction procedure (S78) is activated by the acquiring information of, in this preferred embodiment, the first transaction procedure refers to a credit card pattern payment procedure; if not, the mobile device 20 executes a The second image code analysis process (S79) is to start a corresponding second transaction process (S80) according to the acquiring information of the composite image code; in this preferred embodiment, the second transaction process refers to a Financial card image code payment procedure.

Therefore, in the present invention, the store provides the composite graphic code. The composite graphic code is constructed by first providing the first graphic code format information 111 and the second graphic code format information 112 in different formats. The graphic code format merging process generates the composite graphic code format information 113, and then executes the graphic code generation process to generate the composite graphic code; the consumer can use the mobile device 20 to retrieve the composite graphic code, and according to The composite graphic code supports different types of virtual cards (such as credit cards, financial cards) at one time for mobile scanning code payment services, and the integration of different graphic code formats improves the convenience of payment services between stores and consumers .

The electronic device carrier 10A 10B Compound of Formula 11 FIG code 111 of the first encoding format information 112 in FIG second code format information 113 in FIG composite code format information 20 in FIG. 21 mobile application server 30 to pay the utility unit 40 financial intermediary servo 41 42 Card issuer server 43 Acquiring server

FIG. 1 is a block diagram of the system architecture of the first preferred embodiment of the present invention. 2 is a block diagram of another system architecture of the first preferred embodiment of the present invention. 3 is a block diagram of the system architecture of the second preferred embodiment of the present invention. FIG. 4 is a schematic diagram of the first image code format information of the preferred embodiment of the present invention. FIG. 5 is a schematic diagram of the second code format information of the preferred embodiment of the present invention. FIG. 6A is a schematic diagram of acquiring information and numbering in the second image code format of the preferred embodiment of the present invention. FIG. 6B is a schematic diagram of the combined image code format information after merging in a preferred embodiment of the present invention. FIG. 7 is a flowchart of the information processing method of the preferred embodiment of the present invention. FIG. 8 is a flowchart of the integration procedure of the information processing method of the preferred embodiment of the present invention. FIG. 9 is a flowchart of another integration procedure of the information processing method of the preferred embodiment of the present invention. FIG. 10 is a flowchart of another information processing method according to a preferred embodiment of the present invention.

10A Carrier Financial unit 40 Application program 21 Payment tools

Claims (9)

An information processing method for a composite image code. The method includes the following steps: providing a first image code format information, and providing a second image code format information; executing an image code format merging process, including the following sub-steps: A reserved extension area of the second image code format information, and most of the first acquiring information of the first image code format information is sequentially merged into the reserved extension area; and another composite image code format information is generated; A graphic code generation program is executed, and a composite graphic code of a single graphic code is generated according to the composite graphic code format information. An information processing method for a composite image code. The method includes the following steps: providing a first image code format information, and providing a second image code format information; executing an image code format merging process, including the following sub-steps: Most reserved intervals of the first image code format information, and most of the second acquiring information of the second image code format information are respectively inserted into the reserved intervals of the first image code format information; a composite image is generated Code format information; execute a graphic code generation program, and generate a composite graphic code of a single graphic code based on the composite graphic code format information. According to the information processing method of the composite graphic code described in claim 2, after the above steps execute the step of "execute a graphic code generation program and generate a composite graphic code based on the composite graphic code format information", the method further It includes the following steps: a mobile device captures the composite image code, and determines whether it has a standard identification code according to the composite image code; if so, the mobile device initiates a corresponding transaction procedure. As described in claim 3, when the foregoing steps are executed to the step of "if yes, start a corresponding transaction procedure by the mobile device", the method further includes the following sub-steps: The mobile device determines whether it is a standard identification code of a first image code according to the standard identification code; if it is, the mobile device executes a first image code analysis procedure to initiate a corresponding first transaction procedure. As described in claim 3, when the foregoing steps are executed to the step of "if yes, start a corresponding transaction procedure by the mobile device", the method further includes the following sub-steps: The mobile device determines whether it is a standard identification code of the first image code according to the standard identification code; if not, the mobile device executes a second image code analysis procedure. As described in claim 3, when the foregoing steps are executed to the step of "if yes, start a corresponding transaction procedure by the mobile device", the method further includes the following sub-steps: The mobile device judges whether it is a standard identification code of a first image code according to the standard identification code; if so, the mobile device executes a first image code analysis procedure to start a corresponding first transaction procedure; if not, Then the mobile device executes a second image code analysis procedure. For the information processing method of the composite image code described in claim 6, the first transaction process refers to a credit card image code payment process, and the second transaction process refers to a financial card image code payment process. A mobile payment system with a composite graphic code, comprising: an application server connected to the network; a financial unit connected to the application server through the network; a mobile device installed with a payment tool program, and Connect with the Internet; Wherein, the mobile device captures a composite image code of a single image code located at the near end, and connects to the application server according to the composite image code, and the application server exchanges authorization information with a financial institution , The application server exchanges a payment voucher with the financial unit according to the obtained authorization information to complete the payment service; wherein the composite image code uses the information of the composite image code described in any one of the request items 2 to 7 The processing method is generated. For the mobile payment system of the composite graphic code described in claim 8, the composite graphic code is set in a carrier of a store or an electronic device of a store, and the composite graphic code is integrated with different graphic codes The format can support different types of virtual cards at one time; the mobile device installs and executes a payment tool program; the financial unit further includes an intermediary server, a card issuer server, and an acquirer server. The intermediary The server, the server of the card issuer, and the server of the acquirer can be respectively connected to the network and exchange data through the network; wherein, the payment tool program makes the mobile device and the The application server establishes a link, and the application server sends an authorization request to the intermediary server, and then the intermediary server sends the aforementioned authorization request to the card issuer server to exchange the authorization information , The intermediary server sends the authorization information to the application server; when the application server obtains the authorization information, it sends a payment request to the intermediary server, and then the intermediary server sends the authorization information to the application server. The acquiring server sends the payment request in exchange for the aforementioned payment certificate, and finally the application server and the financial unit send a notice of successful payment.

Images