TWI711988B - Mobile payment system and method, computer-readable recording medium and computer program product - Google Patents

Abstract

A mobile payment system includes: a payer terminal device, inputs a payment data, sends the payment data, receives a payment two-dimensional bar code displaying the payment two-dimensional bar code; and a smart mobile device that scans and displays the payment two Dimension barcode interprets the payment two-dimensional barcode scanned by the scanner to obtain a transaction identification verification value, a full payment fee code and a security code, and sends the transaction identification verification value, the full payment fee code and the security code, and receives A verification result, when it is judged that the verification result is correct, a card issuing bank code, a card issuing bank account number and a transaction security code are sent, a payment completion message is received, and the payment completion message is displayed. The invention also includes a mobile payment method, a computer-readable recording medium and a computer program product.

Description

Mobile payment system and method, computer-readable recording medium and computer program product

The present invention relates to the computer field, and particularly relates to a mobile payment system and method, a computer-readable recording medium and a computer program product.

The National Payment Platform System (hereinafter referred to as "National Payment Network") is a model website established under the leadership of the Association of Banks in September 1993. It hopes to combine financial institutions and institutions to provide people with interbank services for instant online payment. It was officially launched in July 1994 and provides electronic payment services of instant check, instant payment, and instant cancellation.

After 10 years of planning and operation of the "National Payment Network", the payment items have gradually increased. There are currently 12 major items and 38 expense items, including 32 credit card fees, 5 telecommunications fees, 7 transportation fees, 11 public utility fees, and 207 Payment items for more than 1,800 institutions, including medical expenses, 314 tuition and miscellaneous fees.

The National Payment Network currently supports two payment methods: chip financial cards and current accounts plus ID number. However, due to security considerations, current accounts are limited to paying bills to which you belong, and the number of items that can be paid is relatively small. Although chip financial cards can support payment of all fee items, they are limited by the need to conduct transactions through chip card components and card readers, resulting in low usage.

In view of the above problems, the purpose of the present invention is to provide a mobile payment system and method, a computer-readable recording medium and a computer program product. Financial institutions or mobile payment companies can interface with the QR Code platform through a compliant e-wallet APP for payment When making a payment transaction, you are not limited to paying your own bills, nor are you limited to transactions through chip card components and card readers, and you can send the transaction to the national payment network, which can provide the national payment network. There are various fee payment services.

The first aspect of the present invention provides a mobile payment method, which includes the following steps: an input device of a payer terminal device inputs a payment data, and a first processor of the payer terminal device inputs the input The payment information is sent to a payment network platform; the first processor receives a payment two-dimensional barcode sent by the payment network platform, and displays the payment two-dimensional barcode on one of the payer’s terminal devices; by A scanner of a smart mobile device scans the payment QR code displayed on the screen, and a second processor of the smart mobile device interprets the payment QR code to obtain a transaction identification value, a The full payment fee code and a security code, and the transaction identification verification value, the full payment fee code and the security code are sent to the two-dimensional barcode platform; the second processor receives a verification sent by the two-dimensional barcode platform As a result, when the second processor determines that the verification result is correct, the second processor sends an issuer code, an issuer account number, and a transaction security code to the payment network platform via the two-dimensional barcode platform; And the second processor receives a payment completion message sent by the two-dimensional barcode platform, and a touch screen of the smart mobile device displays the payment completion message.

A second aspect of the present invention provides a mobile payment system, which includes: a payer terminal device, which includes: an input device for inputting a payment data; a first processor for inputting the payment data by the input device Send to a payment network platform to receive a payment two-dimensional barcode sent by the payment network platform; and a screen displaying the payment two-dimensional barcode received by the first processor; and a smart mobile device, which includes: The scanner scans the payment QR code displayed on the screen; a second processor interprets the payment QR code scanned by the scanner to obtain a transaction identification value, a full payment code and a security code , And send the transaction identification value, the full payment code and the security code to the two-dimensional barcode platform, receive a verification result sent by the two-dimensional barcode platform, and pass the two-dimensional barcode when the verification result is judged to be correct The barcode platform sends an issuer code, an issuer account number, and a transaction security code to the payment network platform, and receives a payment completion message sent by the two-dimensional barcode platform; and a touch screen showing that the second processor receives The payment completion message.

The third aspect of the present invention is to provide a computer-readable recording medium storing a program. When a mobile payment system loads and executes the program on the computer-readable recording medium, the present invention can be completed The first aspect of the method.

The fourth aspect of the present invention provides a computer program product storing a program. When a mobile payment system loads and executes the program in the computer program product, the method of the first aspect of the present invention can be completed.

In order to enable those who are familiar with the technical field of the present invention to understand the present invention further, the following specifically enumerates the preferred embodiments of the present invention, together with the accompanying drawings, to explain in detail the content of the present invention and the effects to be achieved. .

Figure 1 is a block diagram of the mobile payment system of the present invention. In FIG. 1, the mobile payment system includes a payer terminal device 10 and a smart mobile device 20. The payer terminal device 10 includes a processor 12, a screen 14, and an input device 16 such as a keyboard or a mouse. The smart mobile device 20 includes a processor 22, a touch screen 24 and a scanner 26. Among them, the payer terminal device 10 is a computer, a notebook computer or a tablet computer, and the smart mobile device 20 is a tablet computer or a smart phone.

The payer uses the input device 16 of the payer terminal device 10 to input payment information such as the ID number or the cancellation number. The processor 12 of the payer terminal device 10 sends the payment information input by the input device 16 to the payment network platform 30, which is one of the national payment network, and the processor 12 receives the payment QR Code sent by the payment network platform 30, which is a two-dimensional barcode. . The screen 14 of the payer terminal device 10 displays the payment QR Code received by the processor 12 (as shown in FIG. 1).

The scanner 26 of the smart mobile device 20 scans the payment QR Code displayed on the screen 14. The processor 22 of the smart mobile device 20 interprets the payment QR Code scanned by the scanner 26 to obtain a transaction identification verification value, a full payment code and a security code, wherein the transaction identification verification value indicates the identity of the corresponding payer Data such as the cancellation number, payment type and payment amount of the certificate number are stored in the location of the database (not shown) of the payment network platform 30.

The processor 22 sends the transaction identification verification value, the full payment code and the security code to a QR Code platform 40. The processor 22 receives a verification result sent by the QR Code platform 40. When the processor 22 determines that the verification result is correct, the processor 22 sends an issuer code, an issuer account number, and a transaction security code to the QR Code platform 40. , And the QR Code platform 40 forwards the issuing bank code, the issuing bank account number, and the transaction security code to the payment network platform 30. The processor 22 receives a payment completion message sent by the QR Code platform 40. The touch screen 24 of the smart mobile device 20 displays the payment completion message received by the processor 22.

The payment network platform 30 sends the transaction identification value and the full payment fee code to the QR Code platform 40 according to the payment information. The payment network platform 30 translates the transaction identification verification value, the full payment fee code and the security code set into a payment QR Code, and sends the payment QR Code to the payment terminal device 10.

The QR Code platform 40 calculates the transaction identification verification value and the full payment fee code sent by the payment network platform 30 using the known first encryption algorithm to obtain a security code, and the QR Code platform 40 sends the security code to the payment network platform 30. The QR Code platform 40 receives the transaction identification verification value, the full payment fee code and the security code sent by the smart mobile device 20, and calculates the transaction identification verification value and the full payment fee code using the first encryption algorithm to obtain a verification code. The QR Code platform 40 compares whether the security code and the verification code are the same to obtain the verification result, and the QR Code platform 40 sends the verification result to the smart mobile device 20.

The payment network platform 30 obtains the account cancellation number, payment type, payment amount and payment date in the database of the payment network platform 30 according to the transaction identification verification and the full payment fee code at the position indicated by the transaction identification verification. The platform 50 sends the issuing bank code, the issuing bank account number, the transaction security code, the cancellation number, the payment type, the payment amount and the payment date to the issuing bank platform 60 of one of the issuing banks corresponding to the issuing bank code. After the card issuing bank platform 60 verifies that the transaction security code is correct, the issuing bank’s account number, cancellation number, payment type, payment amount, and payment date are used to perform a payment deduction procedure. After the card issuing bank platform 60 completes the payment deduction procedure, the card issuing bank platform 60 The payment completion message is sent to the smart mobile device 20 via the interbank platform 50, the payment network platform 30 and the QR Code platform 40.

The issuing bank platform 60 uses the conventional second encryption algorithm to calculate the issuing bank code and the issuing bank account to obtain a transaction security compression code, and pre-built the issuing bank code, the issuing bank account number and the transaction security compression code in the smart type In the electronic wallet APP of the mobile device 20.

Figure 2 is a flowchart of the mobile payment method of the present invention. Refer to the system architecture of FIG. 1 when describing the process steps of FIG. 2.

In FIG. 2, when the payer uses mobile payment on the payer terminal device 10, the payer operates the payer terminal device 10 to enter the payment network platform 30 of the national payment network, and the screen 14 of the payer terminal device 10 Display the payment page of the national payment network (not shown). The payer uses the input device 16 of the payment terminal device 10 to input payment information such as the ID card number or the cancellation number on the payment page of the national payment network, and the payment user terminal The processor 12 of the device 10 sends the payment data input by the input device 16 to the payment network platform 30 (step S70).

The payment network platform 30 sends the transaction identification value and the full payment fee code to the QR Code platform 40 according to the payment information (step S72). Wherein, the transaction identification value indicates the position of the account cancellation number, payment type, and payment amount indicating the identity card number of the corresponding payer and stored in the database (not shown) of the payment network platform 30.

The QR Code platform 40 receives the transaction identification verification value and full payment fee code sent by the payment network platform 30, and calculates the transaction identification verification value and full payment fee code using the known first encryption algorithm to obtain the security code. The Code platform 40 sends the security code to the payment network platform 30 (step S74).

The payment network platform 30 receives the security code sent by the QR Code platform 40, and translates the transaction identification verification, full payment fee code and security code into a payment QR Code, and the payment network platform 30 sends the payment QR Code to the payer terminal Device 10 (step S76).

The processor 12 of the payer terminal device 10 receives the payment QR Code sent by the payment network platform 30. The screen 14 of the payer terminal device 10 displays the payment QR Code received by the processor 12 (step S78).

The payment QR Code displayed on the screen 14 is scanned by the scanner 26 of the smart mobile device 20. The processor 22 of the smart mobile device 20 interprets the payment QR Code scanned by the scanner 26 to obtain transaction identification verification, full payment code and security code, and sends the transaction identification verification, full payment code and security code to QR Code platform 40 (step S80).

The QR Code platform 40 receives the transaction identification verification value, full payment fee code and security code sent by the smart mobile device 20, and calculates the transaction identification verification value and full payment fee code using the first encryption algorithm to obtain a verification code . The QR Code platform 40 compares whether the security code and the verification code are the same to obtain a verification result, and the QR Code platform 40 sends the verification result to the smart mobile device 20 (step S82).

The processor 22 receives the verification result sent by the QR Code platform 40. When the processor 22 determines that the verification result is correct, the processor 22 sends an issuer code, an issuer account number, and a built-in e-wallet APP. The transaction security code is sent to the QR Code platform 40, and the QR Code platform 40 forwards the issuing bank code, the issuing bank account number, and the transaction security code to the payment network platform 30 (step S84). When the processor 22 determines that the verification result is wrong, the processor 22 displays a transaction error message on the touch screen 24 so that the payer knows that the payment has failed.

The payment network platform 30 obtains the account cancellation number, payment type, payment amount and payment date in the database of the payment network platform 30 according to the transaction identification verification and the full payment fee code at the position indicated by the transaction identification verification. The platform 30 sends the issuing bank code, the issuing bank account number, the transaction security code, the cancellation number, the payment type, the payment amount, and the payment date to an inter-bank platform 50, and the inter-bank platform 50 sends the issuing bank code, issuing bank account number, and transaction security pressure The code, cancellation number, payment type, payment amount, and payment date are sent to the issuing bank platform 60 of one of the issuing banks corresponding to the issuing bank code (step S86).

After the card issuing bank platform 60 verifies that the received transaction security code is correct, the card issuing bank platform 60 performs a payment deduction procedure based on the card issuing bank’s account number, cancellation number, payment type, payment amount, and payment date. After completing the payment deduction procedure, the card issuing bank platform 60 sends a payment completion message to the smart mobile device 20 via the inter-bank platform 50, the payment network platform 30 and the QR Code platform 40.

When the processor 22 of the smart mobile device 20 receives the payment completion message including the cancellation number, payment type, payment amount, and payment date, the touch screen 24 of the smart mobile device 20 displays the payment completion received by the processor 22 Message (step S88).

The mobile payment method of the present invention can be implemented in a program type, and the program can be stored in a computer-readable recording medium. When the mobile payment system loads the program on the computer-readable recording medium and executes it After that, the method steps shown in the above description and diagrams can be completed.

Similarly, the mobile payment method of the present invention can be implemented by a computer program product. When the mobile payment system downloads the computer program product from the Internet and executes it, the method steps shown in the above description and diagrams can be completed.

The present invention provides a mobile payment system and method, a computer-readable recording medium and computer program products, which are characterized in that financial institutions or mobile payment companies interface with a QR Code platform through an electronic wallet APP that meets specifications, and when the payer conducts a payment transaction , Unrestricted payment of my own bills, and not restricted to transactions through chip card components and card readers, and transactions can be sent to the national payment network, which can provide all the existing fees of the national payment network Payment service.

Although the present invention has been described above with reference to preferred specific examples and illustrative drawings, it should not be regarded as restrictive. Those familiar with the art make various modifications, omissions, and changes to the form and the content of specific examples without departing from the claimed scope of the claims of the present invention.

10‧‧‧Payer’s terminal equipment 12‧‧‧Processor 14‧‧‧Screen16‧‧‧Input device 20‧‧‧Smart mobile device 22‧‧‧Processor 24‧‧‧Touch screen 26‧‧‧ Scanner 30‧‧‧Payment network platform 40‧‧‧QR Code platform 50‧‧‧Interbank platform 60‧‧‧Card issuing bank platform

Figure 1 is a block diagram of the mobile payment system of the present invention; and Figure 2 is a flowchart of the mobile payment method of the present invention.

10‧‧‧Payer's terminal equipment

12‧‧‧Processor

14‧‧‧Screen

16‧‧‧Input device

20‧‧‧Smart mobile device

22‧‧‧Processor

24‧‧‧Touch screen

26‧‧‧Scanner

30‧‧‧Payment Network Platform

40‧‧‧QR Code platform

50‧‧‧Interbank platform

60‧‧‧Issuing Bank Platform

Claims (11)

A mobile payment method, comprising the following steps: one of the payer terminal equipment inputs a payment data, and a first processor of the payer terminal device sends the entered payment data to a payment network Platform; the payment network platform sends the transaction identification verification value and the full payment fee code to a two-dimensional barcode platform according to the payment information; the two-dimensional barcode platform uses the transaction identification verification value and the full payment fee code to a The first encryption algorithm calculates to obtain a security code, and sends the security code to the payment network platform; the payment network platform translates the transaction identification value, the full payment code and the security code set into one Payment two-dimensional barcode, and send the payment two-dimensional barcode to the payer’s terminal device; the first processor receives the payment two-dimensional barcode sent by the payment network platform, and displays the payment two-dimensional barcode on the payment On the screen of one of the terminal devices; the payment QR code displayed on the screen is scanned by a scanner of a smart mobile device, and the payment QR code is interpreted by a second processor of the smart mobile device To obtain the transaction identification verification value, the full payment fee code and the security code, and send the transaction identification verification value, the full payment fee code and the security code to the two-dimensional bar code platform; received by the second processor The two-dimensional barcode platform sends a verification result. When the second processor determines that the verification result is correct, the second processor sends an issuing bank code, an issuing bank account number, and a transaction via the two-dimensional barcode platform. Securely press the code to the payment network platform; and the second processor receives a payment completion message sent by the two-dimensional barcode platform, and a touch screen of the smart mobile device displays the payment completion message. For example, the action payment method of claim 1, in which the transaction identification value, the full After the step of sending the payment code and the security code to the two-dimensional bar code platform, it further includes the following steps: the two-dimensional bar code platform calculates the transaction identification value and the full payment code using a first encryption algorithm To obtain a verification code, compare whether the security code and the verification code are the same to obtain the verification result, and send the verification result to the smart mobile device. For example, the mobile payment method of claim 1, wherein after the second processor sends the issuing bank code, the issuing bank account number, and the transaction security code to the payment network platform via the two-dimensional barcode platform, It includes the following steps: the payment network platform obtains a debit number, a payment type, a payment amount and a payment date according to the transaction identification value and the full payment fee code, and sends the card issuing bank code through an interbank platform, The issuing bank’s account number, the transaction security code, the cancellation number, the payment type, the payment amount and the payment date to one of the issuing bank’s platforms of the corresponding card issuing bank’s code; and the issuer’s platform verifies the transaction security pressure After the code is correct, perform a payment deduction procedure based on the card issuing bank’s account number, the cancellation number, the payment type, the payment amount, and the payment date. After the payment and deduction procedures are completed, the card issuer’s platform will pass through the interbank platform and the The payment network platform and the two-dimensional barcode platform send the payment completion message to the smart mobile device. For example, the mobile payment method of claim 3, wherein the issuing bank platform uses a second encryption algorithm to calculate the issuing bank code and the issuing bank account number to obtain the transaction security compression code, and the issuing bank code, The card issuing bank account number and the transaction security code are built in the smart mobile device. For example, the mobile payment method of request 1, where the payment information includes an ID number and a cancellation number, and the transaction identification value indicates the cancellation number, a payment type, and a payment amount corresponding to the ID number Stored in the location of the payment network platform. A mobile payment system, which includes: A payer's terminal equipment, which includes: an input device for inputting a payment data; a first processor, which sends the payment data input by the input device to a payment network platform, and receives the payment network platform to send one payment two One-dimensional barcode; and a screen that displays the payment two-dimensional barcode received by the first processor; and a smart mobile device, which includes: a scanner that scans the payment two-dimensional barcode displayed on the screen; The second processor interprets the payment two-dimensional barcode scanned by the scanner to obtain a transaction identification verification value, a full payment fee code and a security code, and the transaction identification verification value, the full payment fee code and the security code The code is sent to the two-dimensional barcode platform, and a verification result sent by the two-dimensional barcode platform is received. When the verification result is judged to be correct, an issuing bank code, an issuing bank account number, and a transaction security pressure are sent through the two-dimensional barcode platform. Code to the payment network platform to receive a payment completion message sent by the two-dimensional barcode platform; and a touch screen to display the payment completion message received by the second processor, wherein the payment network platform is based on the payment information Send the transaction identification verification value and the full payment fee code to the two-dimensional barcode platform, translate the transaction identification verification value, the full payment fee code and the security code set into the payment two-dimensional barcode, and transfer the payment two-dimensional code The barcode is sent to the terminal device of the payer; and the two-dimensional barcode platform, the transaction identification value and the full payment code are calculated by a first encryption algorithm to obtain the security code, and the security code is sent to The payment network platform calculates the transaction identification value and the full payment fee code using a first encryption algorithm to obtain a verification code, and compares whether the security code and the verification code are the same to obtain the verification result, and Send the verification result to the smart mobile device. For example, the mobile payment system of claim 6, wherein the payment network platform obtains a write-off number, a payment type, a payment amount, and a payment date according to the transaction identification value and the full payment fee code, and passes through an interbank platform Send the issuing bank code, the issuing bank account number, the transaction security code, the account cancellation number, the payment type, the payment amount and the payment date to one of the issuing bank platforms corresponding to the issuing bank code, and the card issuing bank platform will verify After the transaction security code is correct, perform a payment deduction procedure based on the issuer account number, the cancellation number, the payment type, the payment amount, and the payment date. After the payment deduction procedure is completed, the card issuer’s platform passes through the interbank The platform, the payment network platform and the two-dimensional barcode platform send the payment completion message to the smart mobile device. For example, the mobile payment system of claim 7, wherein the issuing bank platform uses a second encryption algorithm to calculate the issuing bank code and the issuing bank account to obtain the transaction security compression code, and combining the issuing bank code, the The card issuing bank account number and the transaction security code are built in the smart mobile device. For example, the mobile payment system of claim 6, where the payment information includes an ID card number and an account cancellation number, and the transaction identification value indicates the account cancellation number, a payment type, and a payment amount corresponding to the ID card number Stored in the location of the payment network platform. A computer-readable recording medium storing a program. When a mobile payment system loads and executes the program on the computer-readable recording medium, it can complete the mobile payment of any one of request items 1 to 5 method. A computer program product storing a program. When a mobile payment system loads and executes the program in the computer program product, it can complete the mobile payment method of any one of request items 1 to 5.

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