TWM542813U - Mobile device payment system - Google Patents

Description

Mobile device payment system

The new creation is about a financial transaction management technology, especially a mobile device payment system.

According to the rapid development of computer and network technology, the penetration rate will increase, and the virtualization of entities can reduce waste of resources and increase convenience. For example, electronic bills, email advertisements, online stores, etc., can not only reduce paper consumption, but also reduce paper consumption. It can save the cost of shop rent, people can also go shopping at home, or pay online, which is quite convenient, and with the evolution of encryption algorithm, under the premise of sufficient security of online transactions, further online transactions Expanded to financial transactions.

At present, the technology has an electronic wallet integrated in the financial card. The user does not need to carry cash out of the door, and the financial card can be debited from the bank account, and the debt is not generated like a credit card. However, the user still has to carry the card to go out. If the payment card such as the financial card, credit card, and leisure card can be integrated into the smart phone, the user can purchase the smart phone and go shopping, not only can the card with the door be reduced, Avoid losing, and you can choose which card to use for payment. However, downloading electronic payment cards and electronic payment through the mobile phone network has certain security risks. It is necessary to strengthen the verification to prevent the cards from being downloaded and stolen by others.

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

The main purpose of the new creation is to provide a mobile device payment system, which is provided by a third-party organization to provide integrated platform server, management server, transaction program and transaction function library, so that the bank's financial program can use the transaction library. The management server is used to download the electronic payment card and the identity verification during the payment transaction to improve the security of the network transaction.

Another object of the novel creation is to provide a mobile device payment system that allows financial programs of various banks to expand functions other than payment transactions on the transaction library.

To achieve the above objective, the novel creation provides a mobile device payment system, comprising: at least one mobile device, including a transaction library and a transaction program or at least one banking financial program, or both a transaction program and a banking financial program, and a transaction The program and the bank finance program are linked to the transaction library, and the mobile device is connected to an integrated platform server signal. After the transaction library or the bank financial program applies for at least one electronic payment card from an integrated platform server, The electronic payment card is stored in the transaction library, and when the electronic payment card is used for transaction, the transaction program or the bank financial program is selected, and the information of the electronic payment card is linked to the transaction library; a management server includes: The card management application interface connects the integrated platform server and the account management module. When the mobile device applies for the electronic payment card, the card management application mediates the electronic payment card for authentication; and an account management module stores the authentication through the authentication. Information on the electronic payment card; and a card issuing bank servo Connected with the management server signal. When the card reader senses the data of the electronic payment card, the transaction information containing the data is transmitted to the card issuing bank server through the network, and the issuing bank server is connected to the management server. The electronic payment card is verified, and the verification result is returned to the mobile device through the card reader, and the payment or display transaction fails. The new type of creation enables the financial programs of banks to use the transaction function of the transaction library by means of the underlying transaction library, and achieves the purpose of third-party verification and transaction security.

When the electronic payment card is applied, the integrated platform server provides a virtual card number corresponding to the physical card number of the electronic payment card, and the virtual card number is unique and stored in the transaction library.

The management server further includes a card number conversion module, and the virtual card number and the physical card number are stored, and the transaction information sent when the electronic payment card is used for the transaction includes the virtual card number, and is first transmitted to the management server. In the card number conversion module, the virtual card number is converted into the physical card number, and the transaction information including the physical card number is transmitted to the card issuing bank server.

The management server further includes a key management module coupled to the transaction library signal to provide a plurality of transaction keys to the transaction library for use in the electronic payment card transaction.

In the end, the transaction key disappears after each transaction of the electronic payment card, so that each transaction uses a different transaction key.

The management server further includes a key management application interface connected to the key management module for controlling the remaining amount of the transaction key in the transaction library, and requesting the key management module to provide A specified number of new transaction keys are given to the transaction library.

The management server further includes an account management application connected to the account management module. When the electronic payment card is used for transaction, the issuing bank server is connected to the account management application in the management server. The account management application then enters the account management module to confirm whether the electronic payment card is correct.

After the virtual card number is converted into the physical card number, the account management module determines whether the physical card number matches the information of the electronic payment card application to confirm whether the electronic payment card is correct.

In the new creation, each bank financial program is connected to a banking application server, and the banking financial program and the banking application server belong to the issuing bank of the electronic payment card.

The card management application device performing authentication on the electronic payment card includes submitting at least one security question to the mobile device, and the security problem is information that is filled in when the physical card of the electronic payment card is opened, and is performed by the card issuing bank server. confirm.

The card management application device performs authentication on the electronic payment card, and transmits the dynamic verification code to the mobile device through the card issuing bank server, and if the dynamic verification code input by the mobile device is correct, the card management The application interface determines that the authentication was successful.

The card management application interface further includes confirming whether the electronic payment card has been provided with an electronic service.

The transaction program includes a transaction payment function, and the transaction library includes a function object required for transaction payment, and the bank financial program includes functions such as transaction payment, balance inquiry, transfer, and transaction details.

The electronic payment card includes a credit card, a financial card, a leisure card or an electronic ticket. The mobile device is a smart phone or tablet.

The transaction library, the transaction program and the bank financial program are installed in a memory and processed by a processor.

The present invention provides a mobile device payment system. Please refer to FIG. 1 , which is a block diagram of a mobile device payment system of the present invention, including at least one mobile device 10 , a management server 12 , an integrated platform server 30 , A card reader 32, an acquiring institution 34 and a card issuing bank server 36 are provided for allowing a mobile payment card such as a financial card, a credit card, a leisure card or an electronic ticket to be downloaded from the mobile device 10 such as a smart phone or a tablet. The electronic card allows the card reader 32 (or the card swipe machine) to sense the electronic payment card in the mobile device 10, and transmits it to the acquiring institution 34 and the issuing bank server 36, and the issuing bank server 36 is connected with the management server 20 signal. The issuing bank server 36 recognizes the transaction and completes the payment of the electronic payment card.

The mobile device 10 is connected to the integrated platform server 30. The mobile device 10 includes a transaction library 12, a transaction program 14 and at least one bank financial program 16. The transaction program 14 and the bank financial program 16 are installed in the action. An application (not shown) in the device 10, the transaction program 14 and the bank financial program 16 are connected to the transaction library 12, and after applying for at least one electronic payment card from the integration platform server 30 through the transaction program 14, The electronic payment card is stored in the transaction library 12. The transaction library 12, the transaction program 14 and the bank financial program 16 are processed by a processor (not shown) of the mobile device 10.

In an embodiment of the novel creation, the management server 20, the integration platform server 30, the transaction library 12, and the transaction program 14 are all provided by the same third party, and the third party provides a transaction function with basic payment functions. The library 12 is based on the function of the transaction payment, and the transaction program 14 is a software program when the user operates the mobile device 10, including the function of transaction payment, when selecting one from the user interface of the transaction program 14. When the electronic payment card makes a payment, the transaction program 14 reads the transaction library 12, obtains the information of the electronic payment card from the transaction library 12, and transmits the information to the card reader by means of short-range wireless sensing. 32. The bank financial program 16 is an application provided by the issuing bank, and is constructed on the transaction library 12 to expand functions, such as transaction payment, balance inquiry, transfer, transaction details, etc., so when the payment function is selected, the transaction is started. The program 14 or the bank financial program 16 can select an electronic payment card for payment. Since each bank financial program 16 is connected to a banking application server 38, the bank financial program 16 and the banking application server 38 are issued by the electronic payment card. Bank (as shown in Figure 3), so the bank financial program 16 can be connected to the bank application server 38 of the issuing bank to obtain relevant information (such as transaction details, transaction history, etc.), in addition to the transaction function. The transactions performed by the library 12 are stored in the management server 20, so that the transaction log can be queried by the banking application server 38 or the integrated platform server 30 to the management server 20.

The management server 20 includes a card management application interface 21, an account management module 22, and an account management application interface 26, wherein the card management application interface 21 connects the integrated platform server 30 and the account management module 22 when acting. When the device 10 applies for an electronic payment card, the card management application interface 21 authenticates the electronic payment card; the account management application 26 connects to the account management module 22, and the account management module 22 stores and manages the electronic payment through the authentication. The card information, when the card issuing bank server 36 receives the transaction information and payment request transmitted by the acquiring institution 34, connects to the account management application 26 in the management server 20, and the account management application 26 enters the account management again. In the module 22, it is verified whether the electronic payment card account number in the transaction information is correct.

The card management application interface 21 authenticates the electronic payment card to: confirm whether the electronic payment card has provided electronic service, security question answer and dynamic password input, and whether the electronic payment card has provided electronic service part is covered by each There are a wide variety of payment cards issued by a bank. There are quite a few series and names for credit cards. Not every credit card has been cooperated with a third party. Some credit cards may only have electronic functions. Therefore, users When the mobile device 10 is to download the electronic payment card of the physical card, the card management application interface 21 first confirms whether the card has an electronic payment card for download through the integrated platform server 30.

If it is confirmed that the electronic payment card has been provided with an electronic service, then the security question answer and the dynamic password input can be used alternatively, and the two can be paralleled for the purpose of improving security. The security question is answered by the bank application server 38, and the information filled by the user when opening the account of the physical card issuing bank is provided by the integrated platform server 30 and displayed on the mobile device 10, and the user inputs the correct information on the mobile device 10. The answer is that the integrated platform server 30 confirms this error and passes this authentication. The dynamic password input is sent by the card management application interface 21 to the integrated platform server 30 and the mobile device 10. The dynamic password transmitted to the mobile device 10 can be sent by SMS, email or other means. The dynamic password is input on the mobile device 10, and the integrated platform server 30 compares the input provided by the user with the card management application interface 21, and if it matches, the user is confirmed to complete the authentication.

In the new creation, the management server 20 also includes other further information security controls. Please refer to FIG. 2, which is a block diagram of another embodiment of the novel authoring mobile device payment system. The management server 20 includes a card management application interface 21, an account management module 22, a key management module, a key management application interface 24, a card number conversion module 25, and an account management application interface 26. When the electronic payment card is applied, the integrated platform server 30 provides a virtual card number corresponding to the physical card number of the electronic payment card. The virtual card number is unique and stored in the transaction library 12 of the mobile device 10, and is managed. The card number conversion module 25 of the server 20 also stores the virtual card number and the physical card number of the electronic payment card. When the electronic payment card is used for transaction, the sent transaction information includes the virtual card number, and the transaction information is first transmitted to the management server 20 In the card number conversion module 25, the virtual card number is converted into a physical card number, and the virtual card number is placed in the remark field of the transaction information, and the transaction information including the physical card number is transmitted to the card issuing bank server 36, and the card is issued. The bank server 36 is further transmitted to the management server 20, and the account management module 22 determines whether the physical card number matches the information of the electronic payment card application to confirm whether the electronic payment card is correct, so as to ensure that the card is The stolen brush will not be stolen from the physical card number, and the issuing bank server 36 will only recognize the physical card number (in some cases, the physical card) Equal account account), virtual card numbers do not necessarily know why.

The key management module 23 is connected to the transaction library 12 signal in the mobile device 10, and provides a plurality of transaction keys to the transaction library 12 for use in electronic payment card transactions. The electronic payment card uses one transaction per transaction. The transaction key, the transaction key disappears after use, and each transaction uses a different transaction key. The key management application interface 24 is connected to the key management module 23 for controlling the remaining amount of the transaction key in the transaction library 12 and requesting the key management module 23 to provide a plurality of new transaction keys to the transaction. The library 12, which is to prevent the mobile device 10 from being able to replenish the transaction key in a place where the wireless network signal is not good, resulting in the inability to use the electronic payment card for transaction, so that a batch of transaction keys is sent to the mobile device at a time. 10. Each time the mobile device 10 transaction uses the transaction key, the key management application interface 24 records the used amount and the remaining amount, periodically replenishes the transaction key, or supplements the transaction key when the remaining amount reaches the threshold.

Therefore, when applying the mobile device payment system of the novel creation, the electronic payment card is first applied in the mobile device 10, and the card management application interface 21 of the management server 20 is first confirmed by the integrated platform server 30 that the electronic payment card has been provided. The electronic service, and then the mobile device 10 performs the security problem or the identity verification of the dynamic password with the integrated platform server 30 and the card management application interface 21; after the verification is correct, the electronic payment card can be downloaded to the transaction library of the mobile device 10. 12, the information of the electronic payment card is stored in the account management module 22 of the management server 20, in particular, the virtual card number and the physical card number are stored in the transaction library 12 and the card number conversion module 25 at this time. The key management module 25 of the management server 20 provides a plurality of transaction keys to the mobile device 10, also stored in the transaction library 12. When the mobile device 10 is to perform mobile payment, the transaction program 14 or the bank financial program 16 is first selected to select an electronic payment card, and then the credit card is sensed. At this time, the transaction data, together with the virtual card number, expiration date and the like of the electronic payment card, and the transaction gold. The key is transmitted to the acquirer 34, and then transmitted to the card number conversion module 25 of the management server 20 to perform the process of transferring the virtual card number to the physical card number, and then the management server 20 further transmits the transaction data and the physical card number of the electronic payment card, the validity period, and the like. The information is transmitted to the issuing bank server 36, and the issuing bank server 36 is connected to the account management application interface 26 of the management server 20 for verification of the electronic payment card, and then the verification result is returned to the mobile device 10 through the card reader 32. If the verification is successful, the payment is made. If the verification fails, the transaction failure message is displayed on the card reader 32 and the mobile device 10.

In the new creation, the issuing bank server 36, the bank application server 38 and the bank financial program 16 are all the same bank, that is, the issuing bank of the electronic payment card, so if the mobile device 10 downloads many electronic payment cards issued by different banks. Or installing a bank financial program 16 of a different bank, it is necessary to connect a plurality of bank application servers 38, and also need to connect to different card issuing bank servers 36 during the transaction. Please refer to FIG. 3, which is a schematic diagram of an embodiment of a bank application financial program corresponding to different bank application servers in the new creation, and bank financial programs 16a and 16b of A, B, and C issuing banks are installed in the mobile device 10. 16c, the function object of the transaction library 12 is used. When the user wants to use the extension function not available in the transaction program 14 on the mobile device 10, it is connected to the respective bank application servers 38a, 38b, 38c. .

In summary, the new mobile device payment system of the present invention provides a management server and a transaction library, so that the bank's financial program can be constructed on the transaction library, and the electronic payment card is downloaded into the transaction library. , the payment function of the general transaction library, the transaction key, etc., in addition to the bank financial program of different banks, and the use of the management server to verify the identity of the electronic payment card and account verification when the transaction is paid, improve the network Road transactions are safe.

The above description is only a preferred embodiment of the novel creation, and is not intended to limit the scope of the novel creation. Therefore, any changes or modifications to the characteristics and spirits described in the scope of the new application shall be included in the scope of the patent application for the new creation.

10‧‧‧Mobile devices
12‧‧‧Transaction Library
14‧‧‧Transaction program
16, 16a, 16b, 16c‧‧‧ Banking Financial Program
20‧‧‧Management Server
21‧‧‧ Card Number Management Application Interface
22‧‧‧ Account Management Module
23‧‧‧Key Management Module
24‧‧‧Key Management Application Interface
25‧‧‧ card number conversion module
26‧‧‧ Account Management Application Interface
30‧‧‧Integrated platform server
32‧‧‧ card reader
34‧‧ ‧ acquiring institution
36‧‧‧ Issuing Bank Server
38, 38a, 38b, 38c‧‧‧ Bank Application Server

Figure 1 is a block diagram of an embodiment of a novel payment device payment system. Figure 2 is a block diagram of another embodiment of a novel payment device payment system. Figure 3 is a schematic diagram of an embodiment of a different bank application server corresponding to its own bank financial program in the new creation.

10‧‧‧Mobile devices

12‧‧‧Transaction Library

14‧‧‧Transaction program

16‧‧‧Banking financial program

20‧‧‧Management Server

21‧‧‧ Card Number Management Application Interface

22‧‧‧ Account Management Module

26‧‧‧ Account Management Application Interface

30‧‧‧Integrated platform server

32‧‧‧ card reader

34‧‧ ‧ acquiring institution

36‧‧‧ Issuing Bank Server

38‧‧‧Bank Application Server

Claims (16)

A mobile device payment system comprising: at least one mobile device, comprising a transaction library and a transaction program or at least one banking financial program, or both the transaction program and the bank financial program, the transaction program and the bank financial program Linking the transaction library, and the mobile device is connected to an integrated platform server signal. After the transaction library applies for at least one electronic payment card from the integrated platform server, the transaction card stores the electronic payment card. In the transaction library, the transaction option is to open the transaction program or the bank financial program, and link to the transaction library to read the electronic payment card; a management server, including a card management application interface And an account management module, the card management application interface is connected to the integrated platform server and the account management module, and when the mobile device applies for the electronic payment card, the card management application mediaizes the identity of the electronic payment card Verify and store the information of the electronic payment card that has been authenticated in the account management module And a card issuing bank server connected to the management server signal, and when a card reader senses reading the data of the electronic payment card, transmitting the plurality of transaction information including the data to the card issuing bank server through the network; And the card issuing bank server connects to the management server to perform verification of the electronic payment card, and then returns the verification result to the mobile device through the card reader, and performs payment or displays the transaction failure. The mobile device payment system of claim 1, wherein the integrated platform server provides a virtual card number corresponding to the physical card number of the electronic payment card when the electronic payment card is applied, and the virtual card number is unique and stored in the transaction. In the library. The mobile device payment system of claim 2, wherein the management server further comprises a card number conversion module, wherein the virtual card number and the physical card number are stored, and when the electronic payment card is used for transaction, the delivery is performed. The transaction information includes the virtual card number, first transmitted to the card number conversion module in the management server, the virtual card number is converted into the physical card number, and the transaction information including the physical card number is transmitted to the card issuing bank servo Device. The mobile device payment system of claim 1, wherein the management server further comprises a key management module coupled to the transaction library signal to provide a plurality of transaction keys to the transaction library for the Electronic payment card transactions are used. The mobile device payment system of claim 4, wherein the transaction key disappears after each transaction of the electronic payment card, so that each transaction uses a different transaction key. The mobile device payment system of claim 4, wherein the management server further comprises a key management application interface connected to the key management module for controlling the transaction key in the transaction library. The remaining quantity, and the key management module is required to provide a plurality of new transaction keys to the transaction library. The mobile device payment system of claim 3, wherein the management server further comprises an account management application connected to the account management module, and when the electronic payment card is used for the transaction, the issuing bank server is connected Wire to the account management application in the management server, and the account management application enters the account management module to confirm whether the electronic payment card is correct. The mobile device payment system of claim 7, wherein after the virtual card number is converted into the physical card number, the account management module determines whether the physical card number matches the information of the electronic payment card application to confirm the electronic payment card. is it right or not. The mobile device payment system of claim 1, wherein each of the banking financial programs is connected to a banking application server, and the banking financial program and the banking application server belong to the issuing bank of the electronic payment card. The mobile device payment system of claim 1, wherein the card management application mediating the electronic payment card includes at least one security issue to the mobile device, the security issue being an entity card of the electronic payment card The information filled in at the time of opening the account is confirmed by the integrated platform server. The mobile device payment system of claim 1, wherein the card management application device performs authentication on the electronic payment card, and transmits a dynamic verification code to the mobile device through the integrated platform server, if the mobile device inputs If the dynamic verification code is correct, the card management application interface determines that the authentication is successful. The mobile device payment system of claim 1, wherein the card management application interface further comprises confirming whether the electronic payment card has provided an electronic service. The mobile device payment system of claim 1, wherein the transaction program includes a function of transaction payment, the transaction library includes a function object required for transaction payment, the bank financial program includes transaction payment, balance inquiry, transfer, Trading details and other functions. The mobile device payment system of claim 1, wherein the electronic payment card comprises a credit card, a financial card, a leisure card or an electronic ticket. The mobile device payment system of claim 1, wherein the mobile device is a smart phone or a tablet. The mobile device payment system of claim 1, wherein the transaction library, the transaction program, and the bank financial program are installed in a memory and processed by a processor.