TWM534866U - Mobile device featuring sensing payment - Google Patents

Description

Mobile device with inductive payment

This creation is about a mobile payment technology, especially a mobile device with inductive payment.

According to the mobile phone, it is a modern electronic product. As the function becomes more powerful and complete, the smart phone replaces the camera and the personal digital assistant (PDA) for most people. Since the smart phone has a networking function, financial services such as mobile payment can be performed by encrypting the data.

At present, the payment method can be roughly divided into two types: near-end sensing mode and remote operation mode. Among them, the near-end inductive mobile payment system transmits data to and from the card reader through the short-range wireless sensing mode to complete the payment. Homework, such as a mobile phone, requires an additional sensing medium (such as a radio frequency identification tag or chip) to be combined with the mobile phone, and the card reader on the leisure card gate can sense each other and can be debited from the mobile phone. You do not need to purchase a leisure card. This is a small amount of mobile payment, but if the smart phone is combined with the credit card, the smart phone directly has the function of swiping the payment, which will make the transaction behavior more convenient, and the user no longer has to carry more than one credit card to go out, and no need to use it. Worried that the credit card was lost and stolen. However, the current mobile payment with smart phone and credit card is still flawed. Because the user launches the mobile payment application on the mobile phone without any security measures, the mobile phone will be sensitive to the proximity of the card reader. If someone else is deliberately close, it is likely to steal the card information stored in the user's mobile phone, or if the user accidentally touches the mobile phone screen to open the mobile payment application, it may be within any sensing range. The card readers sense each other and mistakenly brush. Therefore, how to overcome the doubts about the security of mobile payments and allow users to make more convenient and relatively environmentally-friendly action payments is one of the current important research and development topics, and it has become an urgent need for improvement in related fields.

Therefore, this creation proposes a mobile device with inductive payment to effectively solve the above problems. The specific architecture and its implementation will be detailed below:

The main purpose of this creation is to provide a mobile device with inductive payment. Before inductively paying for payment on the mobile device, the user must press the volume button to confirm the payment, and then the card information is sent to the card reader. In order to avoid accidentally touching the mobile device after starting the inductive payment, or by accidentally approaching the card information.

Another object of the present invention is to provide a mobile device with inductive payment, in which a plurality of virtual card information can be stored in the mobile device, and the user selects which virtual card data to enable for inductive payment.

A further object of the present invention is to provide a mobile device with inductive payment, which displays a preset time on the user interface that the volume key operation and the inductive payment should be completed, so as to avoid timeout or data transmission failure with the card reader. The situation happened.

To achieve the above objective, the present invention provides a mobile device with inductive payment, comprising a storage module, a sensor, a processor, a volume button and a user interface, and the card storing at least one virtual card in the storage module Information; the sensor is connected to a card reader signal; the processor is electrically connected to the storage module, the sensor and the volume button, generates an operation request and displays on the user interface, and detects that the volume button is operated after being stored The module reads the card information, and then the sensor transmits the card information to the card reader, and the card reader returns a payment success message to the sensor to complete the inductive payment.

The virtual card may represent a credit card, a financial card, a charge card, a stored value card or an electronic ticket smart card. The card information includes a card number, a set of valid dates, a user name, and the like.

The at least one virtual card includes at least one verification data, and the verification data is stored in the storage module.

The verification data is transmitted to the card reader by the sensor. If the verification is successful, the card reader sends a verification success message to the sensor.

When the sensor receives the verification success message, the user interface displays the operation request.

The volume button contains an increment button and a decrement button. The operational requirements include instructions that require the operation of the incremental or decrement keys.

The sensor transmits the card information to the card reader within a preset time.

After receiving the verification success message, the sensor transmits the card information to the card reader within a preset time.

During the preset time, the user needs to complete the operation and press the volume button.

The present invention provides a mobile device with inductive payment. Please refer to FIG. 1 , which is a block diagram of an embodiment of a mobile device with inductive payment. As shown in the figure, the mobile device 10 for inductive payment includes a storage module 12, a sensor 14, a processor 16, a volume button 18, and a user interface 19, wherein the storage module 12, the sensor The device 14 and the processor 16 are disposed inside the mobile device 10 with inductive payment. The storage module 12 stores at least one virtual card card information 122. The virtual card can represent a credit card, a financial card, a charge card, and a stored value. The card or the electronic ticket smart card, the stored value card includes a leisure card, a card, an icash card, etc.; the sensor 14 is electrically connected to the storage module 12 for transmitting the card information 122 of the virtual card to a card reader 20, and reading the card The machine 20 transmits a payment success message to the sensor 14; the volume key 18 and the user interface 19 are disposed on the surface of the mobile device 10 with inductive payment, and the user interface 19 is a display screen of the mobile device 10 with inductive payment; 16 electrically connected to the storage module 12, the sensor 14 and the volume button 18 for generating an operation request, displayed on the user interface 19, and detecting that the volume button 18 is operated, and reading from the storage module 12 Take card information 122 and drive The sensor 14 transmits the card information 122 to the card reader 20, and the card reader 20 also returns a payment success message to the sensor 14 to complete the inductive payment.

The mobile device can be a smart phone, a tablet or other portable electronic device with arithmetic processing functions.

The card information 122 includes a card number, a set of valid dates, a user name, and the like. The storage module 12 can store a plurality of virtual cards of the same issuing bank or different issuing banks, and each virtual card has its own card information 122.

The volume key 18 includes an increment key and a decrement key, and the operation request includes an instruction to operate the increment key or the decrement key.

Please refer to Figure 2 for the flow chart when applying the action payment device with the inductive payment in this creation in Figure 1. In step S10, the mobile device with inductive payment of the present invention first opens an application for mobile payment, the application is installed in the mobile device, and the sensor in the mobile device senses the card reader, and then, Step S12 displays an operation request on the user interface of the mobile device. After the user sees the request message, the volume key operation should be performed. In step S14, the processor detects whether the volume key is operated. If not, there is If the user does not operate or the operation fails, the process returns to step S12, and the operation request is displayed again on the user interface; if the volume key is detected to have been operated, the processor reads from the storage module in step S16. Taking the card information of the virtual card, the card information may be the virtual card selected by the user at the beginning, or the card information of only one virtual card stored in the storage module, and then the card information read in step S18. It is transmitted to the card reader by the sensor, and finally, inductive payment is performed as described in step S19.

Since the user needs to press the volume button to continue the card information transmission and complete the inductive payment, the user can accidentally accidentally touch the application for opening the action payment, unconsciously swiping the card, or others deliberately approaching the reading storage module. Status of card information, etc., to increase the security of mobile payments and to ensure the effectiveness of payment for actions.

In this creation, before the volume button is operated for payment, the verification may be performed first to increase the security. Please refer to FIG. 3, which is a block diagram of another embodiment of the mobile device for inductive payment. The storage module 12 further includes a plurality of verification data 124. Each verification data 124 corresponds to the card information 122 of each virtual card, and the verification data 124 can overlap with the card information 122, or there are other verified materials. For example, the phone number, the serial number, and the like of the mobile device 10 need to transmit the verification data 124 to the card reader 20 every time the mobile payment is to be made, and the card reader 20 and the verification server 30 are connected to the network, and then the verification data is used. The verification server 30 is transmitted to the back end. When the verification is successful, the verification server 30 will reply to the card reader 20, and the card reader 20 will reply a verification success message to the mobile device 10 to perform the next inductive payment.

If the user selects the virtual card issued by the bank A, the verification data 124 is transmitted to the verification server 30 of the bank A, and is authenticated by the verification server 30 of the bank A, and is not transmitted to the bank B. In another case, the verification server 30 is a third-party platform different from the carrier and the banker, and the bank cooperates with the third-party platform, so the third-party platform also has the user's data directly verified.

When using the mobile device with inductive payment in Figure 3 for mobile payment, please refer to Figure 4 for the flow chart. First, in step S20, the mobile device with the inductive payment of the creation activates the mobile payment application and senses that there is a card reader nearby, and the application is installed in the mobile device, and then the processor is stored in the storage module in step S22. The verification data is read and transmitted to the card reader through the sensor; after receiving the verification data, the card reader transmits the verification data to the verification server at the back end in step S24, and the verification server performs verification; S26: The verification server determines whether the verification data is successfully verified. If the verification fails, the process returns to step S22, and the mobile device needs to transmit the verification data to the card reader again. If the verification is successful, the card reader transmits a message as described in step S28. The success message is sent to the mobile device; after the processor of the mobile device receives the verification success message, as described in step S30, an operation request is displayed on the user interface of the mobile device, and after the user sees the request message, the user The volume key operation should be performed. In step S32, the processor will detect whether the volume key is operated. If not, the user may not operate or the operation fails. Then, returning to step S34, the operation request is displayed again; if it is detected that the volume key has been operated, then in step S38, the processor reads the card information of a virtual card from the storage module, and the card information may be one. The virtual card selected by the user is started, or only the card information of the virtual card is stored in the storage module, and then the card information read in step S18 is transmitted to the card reader by the sensor, and finally, as shown in step S40. Said, inductive payment.

When making a mobile payment, the application will set the card information to be sent to the reader within a preset time. The preset time can be several seconds to avoid reading when the signal between the sensor and the reader is not good. The card machine is slow to receive the card information. Since the card reader receives a card message and returns a reply message indicating that the card information is received, if the card information is not successfully sent to the card reader within the preset time, the processing is processed. If the device does not receive the reply message sent by the card reader, the action payment will fail and need to be repeated.

In the embodiments of FIG. 3 and FIG. 4, since the mobile device needs to transmit the verification data to the card reader for verification by the verification server, the setting is required after the sensor receives the verification success message. The card information is transmitted to the card reader within the set time, that is, the user must press the volume button within a preset time to complete the operation request, and the card data can be transmitted.

FIG. 5A is a schematic diagram of an embodiment of displaying a user operation requirement on a user interface of the mobile device with inductive payment, and FIG. 5B is a diagram showing a user interface of the mobile device with inductive payment after the operation of the volume key Schematic diagram of an embodiment. Referring to FIG. 5A, the user interface 17 of the mobile device 10 for inductive payment first displays the currently used virtual card pattern 22, and displays an operation request 19, which is displayed in the embodiment of FIG. 5A. It is "Please press the volume key once". Since there is no further restriction to press the increment key or the decrement key, the operation requirement 19 is completed regardless of whether the user presses the increment key or the decrement key.

When the user presses the volume key, as shown in FIG. 5B, the operation request is no longer displayed on the user interface 17, and the preset time 26 continues to count down, and the number is counted down to the remaining 1 second in FIG. 5B until the smooth The line that senses the payment to complete the preset time will disappear.

In summary, the present invention provides a mobile device with inductive payment, which requires the user to press the volume button to confirm payment before performing the inductive card payment on the mobile device. When the user performs the action of pressing the volume button The mobile device transmits the card information stored in the storage module to the card reader. This prevents the user from accidentally initiating the inductive payment after accidentally touching the mobile device. If the user does not know it, the user may be mistaken. Brush, or someone else's malicious proximity to read card information, greatly improve the security of using mobile devices for inductive payments, help users to abandon the use of physical cards, and integrate all cards into the mobile payment mobile application On the one hand, it reduces the trouble of losing the wallet and the danger of being stolen. On the other hand, it can save the production of physical cards, save costs and be environmentally friendly.

The above description is only for the preferred embodiment of the present invention and is not intended to limit the scope of the present invention. Therefore, any change or modification of the characteristics and spirit described in the scope of this application shall be included in the scope of the patent application for this creation.

10‧‧‧Mobile devices with inductive payment
12‧‧‧ Storage Module
122‧‧‧Card Information
124‧‧‧Verification data
14‧‧‧ sensor
16‧‧‧ Processor
17‧‧‧User interface
18‧‧‧Volume button
19‧‧‧Operational requirements
20‧‧‧ card reader
22‧‧‧Virtual Card Pattern
26‧‧‧Preset time
30‧‧‧Verification server

FIG. 1 is a block diagram of an embodiment of a mobile device for inductive payment. Figure 2 is a flow chart of an embodiment of the first embodiment of the mobile device with inductive payment. Figure 3 is a block diagram of another embodiment of a mobile device for inductive payment creation. Figure 4 is a flow chart of an embodiment of the third embodiment of the mobile device with inductive payment. Figure 5A is a schematic diagram showing an embodiment of the operation requirements of the user interface of the mobile device with inductive payment. FIG. 5B is a schematic diagram showing an embodiment after the volume key is operated on the user interface of the mobile device with inductive payment.

10‧‧‧Mobile devices with inductive payment

12‧‧‧ Storage Module

122‧‧‧Card Information

14‧‧‧ sensor

16‧‧‧ Processor

18‧‧‧Volume button

19‧‧‧User interface

20‧‧‧ card reader

Claims (11)

A mobile device with inductive payment, comprising: a storage module for storing at least one card information of a virtual card; a sensor connected to a card reader signal; a volume button; a user interface; and a processor Electrically connecting the storage module, the sensor, the volume key and the user interface, generating an operation request and displaying on the user interface, and detecting that the volume key is operated, from the storage mode The card reads the card information, and the sensor transmits the card information to the card reader, and the card reader returns a payment success message to the sensor. The mobile device with inductive payment as described in claim 1, wherein the card information includes a card number, a set of valid dates, a user name, and the like. The action device of claim 1, wherein the at least one virtual card comprises at least one verification data, and the at least one verification data is stored in the storage module. The mobile device with inductive payment according to claim 3, wherein the verification data is transmitted to the card reader by the sensor, and if the verification is successful, the card reader sends a verification success message to the sensor. The mobile device with inductive payment according to claim 4, wherein the sensor receives the verification success message, so that the user interface displays the operation request. The mobile device with inductive payment as claimed in claim 1, wherein the volume key comprises an increment key and a decrement key. The mobile device with inductive payment as claimed in claim 6, wherein the operation request includes an instruction to operate the incremental key or the decrement key. The mobile device with inductive payment as claimed in claim 1, wherein the sensor transmits the card information to the card reader within a preset time. The mobile device with inductive payment according to claim 5, wherein the sensor transmits the card information to the card reader within a preset time after receiving the verification success message. The mobile device with inductive payment according to claim 8 or 9, wherein the user presses the volume button to complete the operation request within the preset time. The mobile device with inductive payment as claimed in claim 1, wherein the at least one virtual card can represent a credit card, a financial card, a charge card, a stored value card or an electronic ticket smart card.