TWI802909B - Financial transaction system and operation method thereof - Google Patents

Abstract

A financial transaction system and an operating method for the financial transaction system are provided. The financial transaction system includes a checkout host and a wearable electronic device. The checkout host receives the product information of a product and displays the product code associated with the product information. The wearable electronic device senses the product code displayed by the checkout host, displays the purchase instruction message of the product according to the product code, and is operated to perform a payment operation corresponding to the purchase instruction message.

Description

Financial transaction system and method of operation thereof

The present invention relates to a financial transaction field, and in particular to a financial transaction system and an operation method for the financial transaction system.

Electronic payment methods are becoming more and more popular. The current electronic payment method mainly uses a smart phone to scan the product code to start the subsequent payment operation. However, based on the above-mentioned payment method, the user still needs to hold a smart phone to operate. Therefore, the convenience of the current electronic payment method needs to be further improved.

The present invention provides a financial transaction system capable of improving the convenience of electronic payment and an operation method for the financial transaction system.

The financial transaction system of the present invention includes a checkout host and a wearable electronic device. The checkout host receives the commodity information of the commodity and displays the commodity code associated with the commodity information. The wearable electronic device senses the commodity code displayed by the checkout host, displays the purchase instruction message of the commodity according to the commodity code, and is operated to perform a payment operation corresponding to the purchase instruction message.

In an embodiment of the present invention, the financial transaction system further includes an external electronic device. The external electronic device performs an authentication operation on the wearable electronic device to define ownership of the wearable electronic device. The wearable electronic device is activated according to the account of the external electronic device.

In an embodiment of the invention, the external electronic device is a smart phone.

In an embodiment of the present invention, the wearable electronic device is smart glasses.

In an embodiment of the present invention, the wearable electronic device includes a lens, an image projection module, an image capture module, and a processor. The image capture module receives the commodity code image of the commodity code. The processor is coupled to the image projection module and the image capture module. The processor generates purchase instruction information according to the product code image, and controls the image projection module to project the purchase instruction information onto the lens.

In an embodiment of the present invention, the purchase instruction information projected on the lens is for the user of the wearable electronic device to read.

In an embodiment of the present invention, the wearable electronic device further includes a pupil tracking module. The pupil tracking module is coupled to the processor. The pupil tracking module tracks the position of the user's pupils. The processor judges whether the user's line of sight leaves the purchase instruction message projected on the lens according to the position of the pupil.

In an embodiment of the present invention, when the user's line of sight is determined to leave the purchase instruction message projected on the lens, the processor controls the image projection module to stop projecting the purchase instruction message.

In an embodiment of the present invention, the wearable electronic device further includes a touch module. The touch module is coupled to the processor. The touch module is operated to confirm the payment operation.

In an embodiment of the present invention, the purchase instruction message at least includes a checkout amount and store information.

The operating method of the present invention is applicable to financial transaction systems. The financial transaction system includes a checkout host and a wearable electronic device. The operation method includes: the checkout host receives the commodity information of the commodity, and displays the commodity code associated with the commodity information; the wearable electronic device senses the commodity code displayed by the checkout host, and displays the purchase instruction message of the commodity according to the commodity code; and performing a payment operation corresponding to the purchase instruction message on the wearable electronic device.

Based on the above, in the present invention, the wearable electronic device senses the commodity code displayed by the checkout host to display the purchase instruction message. In addition, the wearable electronic device is also operated to perform a payment operation corresponding to the purchase instruction message. Therefore, the present invention can improve the convenience of electronic payment.

In order to make the above-mentioned features and advantages of the present invention more comprehensible, the following specific embodiments are described in detail together with the accompanying drawings.

Parts of the embodiments of the present invention will be described in detail with reference to the accompanying drawings. For the referenced reference symbols in the following description, when the same reference symbols appear in different drawings, they will be regarded as the same or similar components. These embodiments are only a part of the present invention, and do not reveal all possible implementation modes of the present invention. Rather, these embodiments are only examples within the scope of the patent application of the present invention.

Please refer to FIG. 1 . FIG. 1 is a first system diagram of a financial transaction system according to an embodiment of the present invention. In this embodiment, the financial transaction system 100 includes a checkout host 110 and a wearable electronic device 120 . The checkout host 110 receives the commodity information IFP of the commodity, and displays the commodity code PCD associated with the commodity information IFP. The checkout host 110 can be, for example, a cash register (the present invention is not limited thereto). For example, the checkout host 110 can use a bar code reader (bar code reader) to scan the bar code on the product package when checking out the product to obtain the product information IFP, and use the display to display the information associated with the The commodity code PCD of the commodity information IFP. The commodity code PCD can be a bar code (bar code) or a two-dimensional bar code (QR code).

In this embodiment, the wearable electronic device 120 senses the commodity code PCD displayed by the checkout host 110 , and displays the purchase instruction message PI of the commodity according to the commodity code PCD. In this embodiment, the purchase instruction message PI at least includes a checkout amount and store information. In this embodiment, the commodity code PCD may include the total checkout amount of at least one commodity and store information. In some embodiments, the purchase instruction message PI at least includes a checkout amount, store information, and product information. In addition, the wearable electronic device 120 is operated to perform a payment operation corresponding to the purchase instruction message PI. The wearable electronic device 120 is a see-through head-mounted electronic device known to those skilled in the art. In this embodiment, the wearable electronic device 120 may be, for example, smart glasses. For example, the purchase instruction message PI is displayed on the lens of the wearable electronic device 120 . The user of the wearable electronic device 120 can view the purchase instruction message PI through the wearable electronic device 120 and touch at least one operation key of the wearable electronic device 120 to complete the payment operation.

It is worth mentioning here that the wearable electronic device 120 senses the product code PCD displayed on the checkout host 110 to display the purchase instruction message PI. In addition, the wearable electronic device 120 is also operated to perform a payment operation corresponding to the purchase instruction message PI. Since the above operations are performed by the wearable electronic device 120 , there is no need to hold a smart phone for operation. Therefore, this embodiment can improve the convenience of electronic payment.

Please refer to FIG. 2 . FIG. 2 is a second system diagram of a financial transaction system according to an embodiment of the present invention. In this embodiment, the financial transaction system 200 includes a checkout host 210 , a wearable electronic device 220 and an external electronic device 230 . The external electronic device 230 performs an authentication operation on the wearable electronic device 220 to define the ownership of the wearable electronic device 220 . In this embodiment, the external electronic device 230 may be, for example, a smart phone. The external electronic device 230 can use any wireless communication method known to those skilled in the art (such as Bluetooth communication method, the present invention is not limited thereto) to perform authentication operations (such as registration) on the wearable electronic device 220 . Therefore, after the authentication operation is completed, the wearable electronic device 220 is activated according to the account of the external electronic device 230 .

The transaction operation of the checkout host 210 and the wearable electronic device 220 can be taught enough from the embodiment of FIG. 1 , so it will not be repeated here.

Next, an implementation example of the wearable electronic device will be described in detail. Please refer to FIG. 3 . FIG. 3 is a first schematic diagram of a wearable electronic device according to an embodiment of the present invention. The wearable electronic device 320 may be used as the wearable electronic device 120 of FIG. 1 or the wearable electronic device 220 of FIG. 2 . In this embodiment, the wearable electronic device 320 includes a lens 321 , an image capture module 322 , an image projection module 323 and a processor 324 . The image capturing module 322 receives the commodity code image IMPCD of the commodity code PCD. In this embodiment, the image capture module 322 may be a small video camera or a small camera that can be mounted on the wearable electronic device 320 . The image projection module 323 may be a small projector that can be mounted on the wearable electronic device 320 . Taking the wearable electronic device 320 as smart glasses as an example, the image capture module 322 can be disposed on the frame of the wearable electronic device 320 . The image projection module 323 can be disposed in or on the mirror arm (or mirror leg) of the wearable electronic device 320 . The image projection module 323 can provide a low-power laser beam to the lens 321 to generate a projected image on the lens 321 .

The processor 324 is coupled to the image projection module 323 and the image capture module 322 . The processor 324 generates purchase instruction information PI according to the commodity code image IMPCD, and controls the image projection module 323 to project the purchase instruction information PI onto the lens 321 . The purchase instruction information PI projected on the lens 321 is for the user of the wearable electronic device 320 to read. Therefore, when the checkout host (the checkout host 110 shown in FIG. 1 ) checks out the merchandise, the user can view the purchase instruction message PI displayed on the lens 321 of the wearable electronic device 320 .

In this embodiment, the processor 324 is, for example, a central processing unit (Central Processing Unit, CPU), or other programmable general purpose or special purpose microprocessor (Microprocessor), digital signal processor (Digital Signal Processor) , DSP), programmable controller, Application Specific Integrated Circuits (Application Specific Integrated Circuits, ASIC), programmable logic device (Programmable Logic Device, PLD) or other similar devices or a combination of these devices, which can be loaded into and execute computer programs.

Please refer to FIG. 4 , which is a second schematic diagram of a wearable electronic device according to an embodiment of the present invention. The wearable electronic device 420 can be used as the wearable electronic device 120 of FIG. 1 or the wearable electronic device 220 of FIG. 2 . In this embodiment, the wearable electronic device 420 includes a lens 421 , an image capture module 422 , an image projection module 423 , a processor 424 and a pupil tracking module 425 . The pupil tracking module 425 is coupled to the processor 424 . The pupil tracking module 425 tracks the user's pupil position PP. The pupil tracking module 425 may be a small camera that can be mounted on the wearable electronic device 420 . Taking the wearable electronic device 420 as an example of smart glasses, the pupil tracking module 425 can be disposed on the frame of the wearable electronic device 420 .

The processor 424 determines whether the user's line of sight leaves the purchase instruction message PI projected on the lens 421 according to the pupil position PP. When the user's line of sight is determined not to leave the purchase instruction information PI projected on the lens 421 , the processor 424 controls the image projection module 423 to continue projecting the purchase instruction information PI.

On the other hand, when the user's line of sight is determined to leave the purchase instruction information PI projected on the lens 421 , the processor 424 controls the image projection module 423 to stop projecting the purchase instruction information PI. Therefore, the payment operation will be interrupted. It can be seen that, in this embodiment, the payment operation can be interrupted when the user looks away.

Please refer to FIG. 5 , which is a schematic diagram of a third device of a wearable electronic device according to an embodiment of the present invention. The wearable electronic device 520 may be used as the wearable electronic device 120 of FIG. 1 or the wearable electronic device 220 of FIG. 2 . In this embodiment, the wearable electronic device 520 includes a lens 521 , an image capture module 522 , an image projection module 523 , a processor 524 and a touch module 525 . The touch module 525 is coupled to the processor 524 . The touch module 525 is operated to confirm the payment operation. The touch module 525 is disposed on the surface of the wearable electronic device 520 . The touch module 525 can include at least one physical key or at least one virtual key. When the checkout host (the checkout host 110 shown in FIG. 1 ) checks out the merchandise, the user can view the purchase instruction message PI displayed on the lens 521 . After reading the purchase instruction message PI, the user can operate the touch module 525 with a preset gesture to confirm the payment operation, and then complete the checkout process.

In this embodiment, the user can, for example, click the touch module 525 one or more times to confirm the payment operation. In some embodiments, the user can, for example, long press the touch module 525 to confirm the payment operation. In some embodiments, the user can, for example, touch the touch module 525 with a specific touch track to confirm the payment operation.

In some embodiments, the image capture module 522 can capture the user's default hand movement to confirm the payment operation.

Please refer to FIG. 1 and FIG. 6 . FIG. 6 is a flowchart of an operation method according to an embodiment of the present invention. The operation method in this embodiment is applicable to the financial transaction system 100 . In step S110 , the checkout host 110 receives the item information IFP of the item, and the checkout host 110 displays the item code PCD associated with the item information IFP. In step S120 , the wearable electronic device 120 senses the product code PCD displayed on the checkout host 110 , and displays the purchase instruction message PI of the product according to the product code PCD. In step S130, a payment operation corresponding to the purchase instruction message PI is performed on the wearable electronic device 120 . The implementation details of the steps S110-S130 can be sufficiently taught by the multiple embodiments shown in FIG. 1 to FIG. 5, and thus will not be repeated here.

To sum up, in the present invention, the wearable electronic device senses the commodity code displayed by the checkout host to display the purchase instruction message. In addition, the wearable electronic device is also operated to perform a payment operation corresponding to the purchase instruction message. The above operations are performed by the wearable electronic device instead of holding a smart phone. Therefore, the present invention can improve the convenience of electronic payment.

Although the present invention has been disclosed above with the embodiments, it is not intended to limit the present invention. Anyone with ordinary knowledge in the technical field may make some changes and modifications without departing from the spirit and scope of the present invention. The scope of protection of the present invention should be defined by the scope of the appended patent application.

100, 200: Financial Trading System 110, 210: checkout host 120, 220, 320, 420, 520: wearable electronic devices 230: external electronic device 321, 421, 521: lens 322, 422, 522: image capture module 323, 423, 523: image projection module 324, 424, 524: Processor 425: Pupil tracking module 525:Touch module IFP: product information IMPCD: Commodity code image PCD: commodity code PI: Purchase instruction message PP: pupil position S110, S120, S130: steps

FIG. 1 is a first system schematic diagram of a financial transaction system according to an embodiment of the present invention. FIG. 2 is a second system schematic diagram of a financial transaction system according to an embodiment of the present invention. FIG. 3 is a schematic diagram of a first device of a wearable electronic device according to an embodiment of the present invention. FIG. 4 is a second schematic diagram of a wearable electronic device according to an embodiment of the present invention. FIG. 5 is a schematic diagram of a third device of a wearable electronic device according to an embodiment of the present invention. FIG. 6 is a flow chart of an operation method according to an embodiment of the present invention.

100: Financial Trading System

110: checkout host

120: Wearable Electronic Devices

IFP: product information

PCD: commodity code

PI: Purchase instruction message

Claims (14)

A financial transaction system, comprising: a checkout host configured to receive a commodity message of a commodity and display a commodity code associated with the commodity message; a wearable electronic device configured to sense the checkout host The displayed commodity code displays a purchase instruction message of the commodity according to the commodity code, and is operated to perform a payment operation corresponding to the purchase instruction message; and an external electronic device configured to the wearable electronic device The device performs an authentication operation to define the ownership of the wearable electronic device, wherein the wearable electronic device is activated according to the account of the external electronic device, wherein the wearable electronic device includes: a lens; an image projection module; an image A capturing module configured to receive a commodity code image of the commodity code; and a processor coupled to the image projection module and the image capturing module configured to generate the commodity code image according to the commodity code image Purchase instruction information, and control the image projection module to project the purchase instruction information onto the lens, wherein the image projection module provides a low-power laser beam to the lens to generate a projected image on the lens. The financial transaction system as claimed in claim 1, wherein the external electronic device is a smart phone. The financial transaction system as claimed in claim 1, wherein the wearable electronic device is a smart glasses. The financial transaction system as claimed in claim 1, wherein the purchase instruction message projected on the lens is for a user of the wearable electronic device to read. The financial transaction system as described in Claim 4, wherein the wearable electronic device further includes: a pupil tracking module, coupled to the processor, configured to track a pupil position of the user, wherein the processor is based on The pupil position judges whether the user's line of sight leaves the purchase instruction message projected on the lens. The financial transaction system according to claim 5, wherein when the user's line of sight is judged to leave the purchase instruction message projected on the lens, the processor controls the image projection module to stop projecting the purchase instruction message. The financial transaction system as claimed in claim 1, wherein the wearable electronic device further includes: a touch module coupled to the processor and operated to confirm the payment operation. The financial transaction system as claimed in claim 1, wherein the purchase instruction message includes at least a checkout amount and store information. An operating method for a financial transaction system, wherein the financial transaction system includes a checkout host and a wearable electronic device, wherein the operating method includes: The checkout host receives a commodity information of a commodity, and displays a commodity code associated with the commodity information; the wearable electronic device senses the commodity code displayed by the checkout host, and displays the commodity code according to the commodity code. A purchase instruction message of the product; and performing a payment operation corresponding to the purchase instruction message on the wearable electronic device, wherein the operation method further includes: performing an authentication operation on the wearable electronic device by an external electronic device to define the Ownership of the wearable electronic device; and activated by the wearable electronic device according to the account of the external electronic device, wherein the wearable electronic device includes a lens, wherein the product code displayed by the checkout host is sensed, according to the The step of displaying the purchase instruction message of the commodity by the commodity code includes: receiving a commodity code image of the commodity code; generating the purchase instruction message according to the commodity code image; and controlling the image projection module to project the purchase instruction message to the On the lens, wherein the image projection module provides a low-power laser beam to the lens to generate a projected image on the lens. The operation method as described in claim 9, wherein the purchase instruction message projected on the lens is for a user of the wearable electronic device to read. The operation method according to claim 10, further comprising: tracking a pupil position of the user by the wearable electronic device; and It is judged by the wearable electronic device whether the user's line of sight leaves the purchase instruction message projected on the lens. The operation method as described in claim 11, further comprising: when the user's line of sight is determined to leave the purchase instruction message projected on the lens, controlling the image projection module to stop projecting the image by the wearable electronic device Purchase instruction message. The operation method as described in claim 11, wherein the wearable electronic device includes a touch module, wherein the step of performing the payment operation corresponding to the purchase instruction message on the wearable electronic device includes: using the touch module group to confirm the payment operation. The operation method according to claim 9, wherein the purchase instruction message at least includes a checkout amount and store information.

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