TWI789777B - Payment system - Google Patents

Abstract

A payment system includes a financial transaction platform, a payment device and a collection device. The financial transaction platform has a payment account. The payment device has a payment account information corresponding to the payment account. While the payment device and the collection device are not in communication connection with the financial transaction platform, the collection device displays a transaction code that has a transaction information for the payment device to obtain. According to the transaction information and the payment account information, the payment device displays a check code that has a check information for the collection device to obtain and verify an authorization certificate of the check information. While the collection device is in communication connection with the financial transaction platform, the collection device transmits the transaction information and the check information to the financial transaction platform. The financial transaction platform changes the balance of the payment account according to the examination result of the transaction information and the check information.

Description

offline payment system

The present invention relates to a payment system, especially an offline payment system.

In today's society, cashless transactions have become a trend. In the early days, transactions were carried out in a way guaranteed by financial institutions such as credit cards. Recently, there are mobile devices that conduct transactions by directly debiting/debiting payment accounts and receiving accounts; or virtualize credit card information and store them in mobile devices for transactions. These are major breakthroughs in trading methods.

However, these transaction methods will need to connect with financial institutions to ensure the security of cashless transactions at the moment of transaction, which will only increase the waiting time of transactions, such as the cash register sending back the credit card number to confirm that the amount is sufficient, or the action of payment The device or the mobile device that receives the payment needs to be connected to the financial institution to wait for the financial institution to return a successful transaction message. What's more, if there is a natural disaster or if you leave the mobile network service area and cannot connect to the financial institution, or if some stores are set up in the basement and the network connection environment is not good, the above transaction method Then cannot carry out, and lose the convenience of cashless transaction.

The present invention is to provide an off-line payment system that is not connected with a financial machine Safe, cashless financial transactions can still be completed while the organization is connected.

An offline payment system disclosed in an embodiment of the present invention includes a financial transaction platform, a payment device and a cash register device. The financial transaction platform has a payment account. The payment device includes a first computing module, a first network connection module, a first image capturing module and a first display module. The first computing module is electrically connected to the first network connection module, the first imaging module and the first display module. The first computing module has a payment account information corresponding to the payment account. The first computing module selectively communicates with the financial transaction platform through the first network connection module. The cash register device includes a second computing module, a second network connection module, a second imaging module and a second display module. The second computing module is electrically connected to the second network connection module, the second imaging module and the second display module. The second computing module selectively communicates with the financial transaction platform through the second network connection module. When the first computing module and the second computing module are not connected to the financial transaction platform, the second computing module displays a transaction barcode with transaction information on the second display module for the first computing module to pass through The first imaging module obtains the transaction information of the transaction barcode. The first operation module displays a verification barcode with verification information on the first display module according to the transaction information and payment account information, so that the second operation module can obtain the verification of the verification barcode through the second imaging module nuclear information. When the second computing module is not connected to the financial transaction platform, the second computing module will verify an authorization certificate in the review information. When the second calculation module communicates with the financial transaction platform, the second calculation module transmits the transaction information and verification information to the financial transaction platform through the second network connection module. The financial transaction platform changes the payment account according to the comparison result of the transaction information and the verification information.

According to the offline payment system disclosed in the above embodiments, the payment device and the cash register device can complete the exchange of transaction information and verification information between each other when they are not connected to the financial transaction platform, and the transaction content cannot be tampered with by a third party. Therefore, the payer and the payee can complete safe cashless financial transactions even when there is no network or poor network signal.

The above description of the content of the present invention and the following description of the implementation are used to demonstrate and explain the principle of the present invention, and provide further explanation of the patent application scope of the present invention.

10a, 10b: Offline payment system

110: Financial trading platform

120a, 120b: payment device

121: The first computing module

122: The first receiving module

123: The first network connection module

124: The first imaging module

125: The first display module

126: The first input module

127: The first broadcast module

128: The first radio module

130a, 130b: cash register device

131: Second computing module

132: Second receiving module

133: Second network connection module

134:Second imaging module

135: Second display module

136: Second input module

137: Second broadcasting module

138: Second radio module

FIG. 1 is a block diagram of an offline payment system according to a first embodiment of the present invention.

FIG. 2 is a block diagram of an offline payment system according to a second embodiment of the present invention.

The first embodiment of the present invention will be described below, please refer to FIG. 1 , which is a block diagram of an offline payment system 10a according to the first embodiment of the present invention.

The offline payment system 10a of this embodiment includes a financial transaction platform 110, a payment device 120a, and a cash register device 130a. The financial transaction platform 110 is, for example, provided by a financial institution (such as a bank). The financial transaction platform 110 has a payment account, wherein the payment account is, for example, the living account of the payer, a credit card or an electronic wallet.

The payment device 120a is, for example, the mobile phone of the payer. The payment device 120a includes a first computing module 121, a first receiving module 122, a first network connection module 123, a first image capturing module 124, a first display module 125 and a first An input module 126 . The first computing module 121 is electrically connected to the first receiving module 122 , the first network connection module 123 , the first image capturing module 124 , the first display module 125 and the first input module 126 . The first calculation module 121 has a payment account information, a personal data and a biometric input by the payer through the first input module 126, wherein the payment account information is, for example, the payer's live account number, credit card number or electronic wallet account number, and corresponds to the payment account; personal data, such as the payer's online banking account password; biometric features, such as the payer's fingerprints, voiceprints or facial features.

The first computing module 121 selectively communicates with the financial transaction platform 110 through the first network connection module 123 . For example, when the first network connection module 123 is in the open state, the first computing module 121 communicates through the first network connection module 123 through the APP application program provided by the financial institution. The financial transaction platform 110 ; and when the first network connection module 123 is in the closed state, the first computing module 121 disconnects the communication connection with the financial transaction platform 110 .

The first computing module 121 receives a one-time password (OTP, one-time password) from the financial transaction platform 110 via the first receiving module 122 , for example, via a text message. When the first computing module 121 communicates with the financial transaction platform 110, the first computing module 121 transmits the dynamic password, payment account information, personal data and biometrics to the financial transaction platform 110 through the first network connection module 123 Verification to complete the binding between the payment device 120a and the payment account. Financial Trading Platform 110 A credit score is generated according to the balance of the payment account and transaction details, and a transaction limit is generated according to the level of the credit score. The financial transaction platform 110 transmits the transaction limit to the first computing module 121 through the first network connection module 123 . Moreover, the financial transaction platform 110 also transmits an encryption function and a hash function to the first calculation module 121 through the first network connection module 123, wherein the encryption function and the hash function are only connected to the financial transaction platform 110 and It is owned by the payment device 120a and will not be passed on to a third party.

The cash register device 130a is, for example, a payee's mobile device or a cash register. The cash register 130a includes a second computing module 131, a second receiving module 132, a second network connection module 133, a second image capturing module 134, a second display module 135 and a first Two input modules 136 . The second computing module 131 is electrically connected to the second receiving module 132 , the second network connection module 133 , the second image capturing module 134 , the second display module 135 and the second input module 136 . The second calculation module 131 has a collection account information input by the payee through the second input module 136, wherein the collection account information is, for example, the payee's live account or electronic wallet account number, and corresponds to, for example, It is the living account of the payee or the receiving account of the e-wallet.

The second computing module 131 selectively communicates with the financial transaction platform 110 through the second network connection module 133 . For example, when the second network connection module 133 is in the open state, the second computing module 131, for example, uses an APP application program provided by a financial institution or an inter-bank transaction integration institution to connect to the network through the second network. The module 133 is communicatively connected to the financial transaction platform 110 ; and when the second network connection module 133 is in a closed state, the second computing module 131 disconnects the communication connection with the financial transaction platform 110 .

The second computing module 131 receives another dynamic password, such as sent by SMS, from the financial transaction platform 110 or another financial transaction platform (not shown) provided by the inter-bank transaction integration institution through the second receiving module 132 . When the second computing module 131 communicates with the financial transaction platform 110 or another financial transaction platform, the second computing module 131 transmits another dynamic password and collection account information to the financial transaction platform 133 through the second network connection module 133. The transaction platform 110 or another financial transaction platform verifies to complete the binding between the cash register device 130a and the receiving account.

The financial transaction platform 110 can also send a private key and an expiration date to the first computing module 121 through the first network connection module 123, and send the latest version of the Private key and expiry date. The first computing module 121 can use the private key to sign the aforementioned payment account information and transaction limit to generate an authorization certificate, and regularly update the authorization certificate according to the validity period. The financial transaction platform 110 can also disclose a public key, an account verification method and the validity period mentioned above to the public, and disclose the latest version of the public key, account verification method and validity period again after the validity period expires. The second calculation module 131 can obtain the latest version of the public key, account verification method and expiration date through the second network connection module 133 .

When the second calculation module 131 is not connected to the financial transaction platform 110, the payee can input the amount that should be collected from the payer through the second input module 136 on the cash register 130a to generate an account receivable, and the second The computing module 131 can display a transaction barcode on the second display module 135 according to the accounts receivable and the receiving account information previously input by the payee, wherein the transaction barcode is, for example, a two-dimensional barcode and has a transaction information, and the transaction information has the beneficiary account information as described above with accounts receivable.

When the first computing module 121 is not connected to the financial transaction platform 110 through communication, the first computing module 121 obtains the transaction barcode through the first imaging module 124 . The first computing module 121 decodes the transaction information (namely, the payee's account information and accounts receivable) according to the transaction barcode. Next, the first calculation module 121 checks whether the account receivable is less than or equal to the transaction limit previously received from the financial transaction platform 110 . If the account receivable is greater than the transaction limit, the first calculation module 121 displays an error message through the first display module 125 . On the contrary, the first calculation module 121 generates a transaction time based on the current time when the transaction information is obtained. The first computing module 121 encrypts the transaction time with the encryption function previously received from the financial transaction platform 110 to obtain a transaction password (Token).

The first calculation module 121 combines the received account information of the interpreted transaction information together with the transaction password, payment account information, biometrics, and an account payable of the same amount as the account receivable, through the previously received from the financial transaction platform 110 After the hash function is calculated, a hash value (Hash) is obtained. Once the original data is calculated by the hash function, the original data cannot be obtained back. The first computing module 121 displays a review barcode on the first display module 125, wherein the review barcode is, for example, a two-dimensional barcode and has review information, and the review information includes authorization certificate, hash value, payment account information, Transaction timing and accounts payable. The second computing module 131 obtains the verification barcode through the second imaging module 134 to decode the verification information.

The second calculation module 131 can use the public key to verify the authorization certificate according to the previously obtained account verification method, and confirm that the payment account information is correct and the transaction limit is large Accounts receivable and the expiry date has not expired. After the verification by the second computing module 131 is correct, the current item transaction can be completed, and the first computing module 121 or the second computing module 131 does not need to communicate with the financial transaction platform 110 at the moment.

When the second calculation module 131 communicates with the financial transaction platform 110, the second calculation module 131 interprets the hash value of the verification information, payment account information, transaction time and accounts payable together with the receipt of the original transaction information The account information and accounts receivable are sent to the financial transaction platform 110 through the second network connection module 133 .

The financial transaction platform 110 can query the encryption function and hash function agreed when the payment device 120a and the payment account are bound on the financial transaction platform 110 through the dynamic password according to the payment account information sent by the second computing module 131 . The financial transaction platform 110 can encrypt the transaction time transmitted by the second computing module 131 through an encryption function to obtain the same transaction password. The financial transaction platform 110 combines the transaction password and the biological characteristics corresponding to the payment account information previously sent by the first computing module 121, together with the receiving account information, payment account information and accounts payable returned by the second computing module 131 Clause, another hash value is obtained after calculation with the aforementioned hash function. After the financial transaction platform 110 compares the other hash value with the hash value returned by the second computing module 131, it performs transactions such as debiting the payment account, and performs transactions on the receiving account directly or through an inter-bank transaction integration agency. Accounting and other changes.

It is worth mentioning that since the verification barcode displayed by the first computing module 121 through the first display module 125 does not contain transaction passwords and biometric features, even if both the transaction barcode and the verification barcode are captured by a third party If it is taken away, the third party still cannot know the transaction password and biometrics of the payer and cannot tamper with the transaction.

In addition, in this embodiment, the biometric feature is only used as the raw material for computing the hash function, but the present invention is not limited thereto. In some embodiments, the first computing module does not need to obtain the biological characteristics of the payer, and does not need to transmit the biological characteristics to the financial transaction platform; When the biometric feature is calculated by the hash function, a hash value and another hash value that are the same value can still be obtained, which does not affect the operation of the offline payment system.

In the offline payment system 10a, the payment device 120a and the cash register device 130a can complete the exchange of transaction information and verification information when they are not connected to the financial transaction platform 110, and the transaction content cannot be tampered with by a third party. Therefore, the payer and the payee can complete safe cashless financial transactions even when there is no network or poor network signal.

Furthermore, in the offline payment system 10a, the second computing module 131 only needs to transmit the transaction information and verification information to the financial transaction platform 110 when the second computing module 131 communicates with the financial transaction platform 110 . In this way, it is not necessary to wait until the first computing module 121 and the second computing module 131 are connected to the financial transaction platform 110 in order to complete the change of the payment account and the receiving account. In some cases, for example, in a store located in the basement, only the mobile network reception of the payment device 120a is poor, while the cash register device 130a can smoothly communicate with the financial transaction platform 110 through the fixed network. Therefore, only the second computing module 131 transmits the transaction information and verification information to the financial transaction platform 110, and the change of the paying account and the receiving account can be completed at the moment of the transaction. However, the present invention is not limited thereto. In some examples In addition, the transaction information and verification information can also be sent to the financial transaction platform by the first computing module to complete the payment transaction.

In addition, in the offline payment system 10a, the payment device 120a and the cash register device 130a achieve the purpose of exchanging transaction information and verification information by capturing images of barcodes, but the present invention is not limited thereto. In some embodiments, the payment device and the cash register device can also use bluetooth, infrared, near field communication (NFC) or short-wave radio AX.25 to exchange transaction information and review information.

Please refer to FIG. 2 , which is a block diagram of an offline payment system 10 b according to a second embodiment of the present invention. Components with the same numbers as those in the previous embodiment in FIG. 2 represent the configuration and actions of the components in the second embodiment of the present invention are the same as those in the previous embodiment. In the following, only the differences between the second embodiment of the present invention and the foregoing embodiments will be described, and other similarities will be omitted.

In this embodiment, the payment device 120b further includes a first broadcasting module 127 and a first receiving module 128 . The first computing module 121 is electrically connected to the first broadcasting module 127 and the first sound receiving module 128 . The cashier device 130b further includes a second broadcasting module 137 and a second receiving module 138 . The second computing module 131 is electrically connected to the second broadcasting module 137 and the second receiving module 138 .

In this embodiment, the first computing module 121 displays the verification barcode through the first display module 125 as in the foregoing embodiment, wherein the verification information of the verification barcode further includes the payee's account information. At the same time, the first computing module 121 plays a first audio through the first broadcasting module 127, wherein the first audio is converted from the receiving account information and the account payable of the verification information. The second computing module 131 is transparent Receive the first audio through the second audio module 138 . After the second computing module 131 reads the receiving account information and accounts payable in the first audio, it verifies whether it is consistent with the receiving account information and accounts receivable previously used to generate the transaction barcode. The second calculation module 131 confirms the reliability of the verification barcode according to the verification result, so as to ensure the reliability of the transaction information and verification information exchanged between the payment device 120b and the cash register device 130b when they are not connected to the financial transaction platform 110 by communication. .

For example, in the first audio, the numbers 0~9 can correspond to different waveforms, such as tuning fork, flute, clarinet, oboe, violin, piano, organ, jazz drum, harmonica, bagpipe, etc. Waveform, and the number of digits of the receiving account information (for example, 15 digits) and the number of digits of the account payable (for example, 6 digits) can respectively correspond to the frequency of every 100 Hz in the range of 500 Hz to 2500 Hz. In the actual example, if the receiving account information is 008-310-20-123456-7, and the account payable is 005,000 yuan, the first tone contains the violin tone at 800 Hz, the oboe tone at 1400 Hz, and the tuning fork at 2000 Hz Tones, etc., and the sound of each tone color is not played according to each digit of the data, nor does it affect the interpretation of the second computing module 131 on the collection account information and the data of the account payable. The timbre and frequency of the first audio above are just for illustration, and the present invention is not limited thereto. In some embodiments, the first audio may also have timbres and frequencies not listed above.

In a few cases, the first display module 125 of the payment device 120b may be defective (such as a broken screen), or the second imaging module 134 of the cash register device 130b may be stained (such as dust in the lens), As a result, the second computing module 131 cannot successfully read the review information of the review barcode, and thus the verification of the review barcode fails. At this time, the second computing module 131 plays a second audio through the second broadcast module 137, wherein the second audio is, for example, an overtone or quadruple frequency of the first audio. After the first computing module 121 receives the second audio through the first audio receiving module 128, and determines that the second audio is the overtone of the first audio played through the first broadcasting module 127, the first computing module 121 uses different The barcode generation method generates another verification barcode, and displays another verification barcode through the first display module 125, so that the second computing module 131 can scan through the second imaging module 134 to obtain the same verification information Content. In this way, when either the payment device 120b or the cash register device 130b fails to read the transaction barcode or review barcode, neither the payer nor the payee needs to re-operate the aforementioned steps, thereby enhancing offline payment Convenience of System 10b.

When the first computing module 121 communicates with the financial transaction platform 110 , it transmits the first audio message to the financial transaction platform 110 . After the financial transaction platform 110 interprets the content of the verification information from the first audio, it can check the data returned by the second computing module 131 again, thereby further improving security.

In the offline payment system according to the above embodiment, the payment device and the cash register device can complete the exchange of transaction information and verification information between each other when they are not connected to the financial transaction platform, and the transaction content cannot be tampered with by a third party. Therefore, the payer and the payee can complete safe cashless financial transactions even when there is no network or poor network signal.

In some embodiments, the first computing module displays the verification barcode through the first display module, and at the same time plays the first audio through the first broadcast module. The second computing module receives the first audio through the second audio receiving module, so as to judge the content in the first audio After receiving account information and accounts payable, verify whether it is consistent with the receiving account information and accounts receivable previously used to generate the transaction barcode. The second calculation module confirms the reliability of the verification barcode according to the verification result, so as to ensure the reliability of exchanging transaction information and verification information between the payment device and the cash register device when they are not connected to the financial transaction platform.

In some embodiments, when the second operation module cannot successfully read the review information of the review barcode, the second operation module plays the second audio through the second broadcast module. The first computing module receives the second audio through the first sound receiving module to determine that the second audio is an overtone of the first audio, and then displays another verification barcode through the first display module for the second computing module The content of the same verification information is obtained by scanning with the second imaging module. In this way, when any one of the payment device or the cash register device cannot successfully read the transaction barcode or review the barcode, neither the payer nor the payee needs to re-operate the aforementioned steps, thereby strengthening the offline payment system convenience.

It should be noted that the communication connection mentioned in this article refers to a connection method in which two components exchange signals with each other, for example, in a wired or wireless manner.

Although the present invention is disclosed above with the foregoing embodiments, it is not intended to limit the present invention. Any person familiar with similar skills may make some changes and modifications without departing from the spirit and scope of the present invention. Therefore, this The scope of patent protection for inventions shall be defined in the scope of patent application attached to this specification.

10a: Offline payment system

110: Financial trading platform

120a: payment device

121: The first computing module

122: The first receiving module

123: The first network connection module

124: The first imaging module

125: The first display module

126: The first input module

130a: cash register device

131: Second computing module

132: Second receiving module

133: Second network connection module

134:Second imaging module

135: Second display module

136: Second input module

Claims (7)

An offline payment system, comprising: a financial transaction platform having a payment account; a payment device comprising a first computing module, a first network connection module, a first imaging module, a first A display module, a first broadcast module, and a first sound receiver module, the first computing module is electrically connected to the first network connection module, the first imaging module, and the first display module Group, the first broadcast module and the first radio module, the first computing module has a payment account information corresponding to the payment account, the first computing module through the first network connection module Selectively communicate with the financial transaction platform; and a cash register device, including a second computing module, a second network connection module, a second imaging module, a second display module, a first Two broadcasting modules and a second receiving module, the second computing module is electrically connected to the second network connection module, the second imaging module, the second display module, and the second broadcasting module Module and the second radio module, the second computing module selectively communicates with the financial transaction platform through the second network connection module; wherein, the first computing module and the second When none of the computing modules is connected to the financial transaction platform, the second computing module displays a transaction barcode with transaction information on the second display module for the first computing module to capture through the first image The module obtains the transaction information of the transaction barcode, and the first computing module displays a verification information on the first display module according to the transaction information and the payment account information. The review barcode is used for the second operation module to obtain the review information of the review barcode through the second imaging module; wherein, when the first operation module displays the review information through the first display module While verifying the barcode, the first computing module plays a first audio through the first broadcast module, and the first audio is composed of the payment account information corresponding to the cash register device in the verification information and a payable Accounts are converted, and the second computing module receives the first audio through the second sound receiving module to verify the reliability of the verification barcode; wherein, according to the failure result of verifying the verification barcode, the second The second computing module plays a second audio through the second broadcasting module, the second audio is the overtone of the first audio, the first computing module receives the second audio through the first sound receiving module, and the The first computing module displays another verification barcode through the first display module for the second computing module to scan through the second imaging module; When trading on the trading platform, the second computing module verifies an authorization certificate in the review information; when the second computing module communicates with the financial trading platform, the second computing module combines the transaction information with the The verification information is sent to the financial transaction platform through the second network connection module, and the financial transaction platform debits or credits the payment account according to the comparison result between the transaction information and the verification information. The offline payment system as described in Claim 1, wherein the first computing module receives a dynamic password from the financial transaction platform, and the first computing module combines the dynamic password with the dynamic password through the first network connection module The payment account information is sent to the financial transaction platform to complete the binding between the payment device and the payment account. The offline payment system as described in claim 1, wherein the transaction information has a receiving account information and an account receivable corresponding to the cash register device. The offline payment system as described in claim 1, wherein the verification information has a hash value, which is obtained from a transaction password, the payment account information, a collection account information corresponding to the cash register device, and an account payable Calculated by the payment. The offline payment system as described in claim 4, wherein the transaction password is obtained by encrypting the transaction time when the first computing module obtains the transaction information with an encryption function, and the encryption function is obtained in the second When a computing module communicates with the financial transaction platform, it receives from the financial transaction platform through the first network connection module. The offline payment system as described in Claim 1, wherein the payment account corresponds to a transaction limit, and the transaction limit is generated based on a credit score corresponding to the payment account on the financial transaction platform. The offline payment system as described in Claim 1, wherein the payment account is a living account or a credit card.

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