TWM545956U - Mobile payment system - Google Patents

Description

Mobile payment system

The present invention relates to a payment system, and more particularly to a mobile payment system.

An existing payment method is to use a payment application (APP) in a mobile device (such as a smart phone) held by a consumer to scan a payment method provided by a merchant, such as a QR code, to obtain a merchant. Information and the amount of the purchased item, and then the payment application transmits the consumer's payment method information, merchant information and consumption amount to a third-party payment platform (such as a bank) for payment, after the payment confirmation is completed. The merchant can query the payment details of the third-party payment platform through the Internet, and then obtain the consumption amount paid by the consumer from the third-party payment platform.

However, the above-mentioned mobile payment method is not safe, because the merchant cannot know exactly whether the consumer has actually paid the payment after the mobile device scans the two-dimensional barcode; and a single two-dimensional barcode corresponding to one payment method can only be The payment application corresponding to the payment method is accepted and cannot be provided to other payment applications. In other words, if the merchant supports multiple payment methods such as Alipay, LINE Pay, Europa, etc., it is based on a payment method used by the mobile device. The corresponding payment application provides a two-dimensional barcode corresponding to the payment method for the mobile device to scan, so that the merchant needs to generate different two-dimensional barcodes corresponding to different payment methods to respond to various payment applications used by the mobile device, thus Resulting in an increase in business operating costs.

Accordingly, it is an object of the present invention to provide a mobile payment system that can address the shortcomings of the prior art.

Therefore, in some implementations, the new mobile payment system includes: a device control device, a cloud server, and a mobile device. The device control device includes a communication module, a security module, and a processing module electrically coupled to the communication module and the security module. The mobile device communicates with the communication module of the device control device and the cloud server. The mobile device receives device identification information and a consumption amount related to the device control device provided by the device control device, and the mobile device includes a device identification information, a consumer identification information, and a payment account. The information and the payment signal of the consumption amount are transmitted to the cloud server, and then the cloud server performs a payment operation according to the payment signal and generates a signature signal including a payment information encrypted by a key, and the cloud The server transmits the encrypted signature signal to the device control device via the mobile device, so that the security module decrypts the encrypted signature signal according to the key provided by the cloud server, and verifies the After the signature information contained in the signature signal is correct, the processing module executes a service job.

In some implementations, the cloud server includes a payment platform and a device authentication platform, and the mobile device transmits the payment signal to the payment platform, so that the payment platform performs the payment operation according to the payment signal, and then the The payment platform causes the device authentication platform to generate the encrypted signature signal.

In some implementations, the communication module of the device control device is a Bluetooth module.

In some implementations, the mobile device and the cloud server communicate with each other through a 3G/4G mobile communication module.

The present invention has at least the following effects: transmitting, by the mobile device, a payment signal including device identification information, consumer identification information, payment account information, and consumption amount to the cloud server, and then the cloud server performs a payment operation according to the payment signal. And generating an encrypted signature signal, and transmitting the encrypted signature signal to the security module of the device control device via the mobile device for decryption and verification, thereby improving the security of the signal transmission, and the merchant can be present in the present Knowing whether the consumer has actually paid, the processing module performs a service operation based on the decrypted and verified signature signal. Moreover, the payment signal can be adapted to various payment applications, so that the merchant can only conduct transactions by setting the device control device.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are denoted by the same reference numerals.

Referring to FIG. 1, an embodiment of the present mobile payment system includes a device control device 1, a mobile device 2, and a cloud server 3.

The device control device 1 is installed in the merchant, and includes a communication module 11 , a security module 12 , a processing module 13 , and an execution module 14 . The processing module 13 is electrically coupled to the communication module 11 . The security module 12 and the execution module 14. In this embodiment, the communication module 11 is a Bluetooth module. Of course, in some embodiments, the communication module 11 can also be other near-end communication modules, such as Zigbee, WiFi, or RF wireless modules are not limited to this.

The mobile device 2 communicates with the communication module 11 of the device control device 1 and the cloud server 3. The mobile device 2 and the device control device 1 communicate with each other through a Bluetooth module, and the mobile device 2 and the cloud server 3 communicate with each other through a 3G/4G mobile communication module. In this embodiment, the mobile device 2 can be, for example, a smart phone or a tablet, and the mobile device 2 has a payment application 21, and the payment application 21 presents a plurality of options for a user through a software interface. Choose to help with the transaction.

The cloud server 3 includes a payment platform 31 and a device authentication platform 32. The payment platform 31 is connected to a banking system or other third party payment system.

Referring to FIG. 2, the following describes the detailed steps of the mobile payment system to perform a mobile payment method, which is applicable to businesses such as small shops, parking lots, and homestays.

First, in step S101, the mobile device 2 receives the device identification information and a consumption amount associated with the device control device 1 provided by the device control device 1. Specifically, when a consumer holds the mobile device 2 to the merchant for consumption, the mobile device 2 can receive the device identification information provided by the device control device 1 and the consumption amount of the consumer through the Bluetooth module. The device identification information is the identification code (ID) of the merchant. Of course, the device identification information and the consumption amount may also be selected by the consumer on the mobile device 2 after selecting the corresponding option on the mobile device 2, or the owner of the merchant may use the mouth to say that the consumer is in the mobile device. 2 Enter the consumption amount and device identification information.

Next, in step S102, the mobile device 2 transmits a payment signal including the device identification information, a consumer identification information, a payment account information, and the consumption amount to the payment platform 31 of the cloud server 32 to make the payment platform. 31 performs a payment operation based on the payment signal, and the payment platform 31 causes the device authentication platform 32 to generate a signature signal containing a payment information and encrypted with a key. Further, the consumer identification information and the payment account information are the identification code (ID) of the consumer and the personal account of the consumer, respectively, so that the payment platform 31 can smoothly perform the payment operation, and then After the payment is completed, the device authentication platform 32 directly generates the signature signal.

Then, in step S103, the cloud server 3 transmits the encrypted signature signal to the device control device 1 via the mobile device 2, so that the device control device 1 can provide the key according to the cloud server 3 in advance. Decrypt the encrypted signature signal. In this step, the device control device 1 decrypts the encrypted signature signal by its security module 12 to improve the security of the signal transmission.

Finally, in step S104, after the device control device 1 verifies that the payment information included in the signature signal is correct, the processing module 13 causes the processing module 13 to perform a service operation. In detail, the device control device 1 verifies the payment information through its security module 12, and when the verification is correct, the processing module 13 controls the execution module 14 to perform the service operation, wherein the service job can be, for example, The display of the consumption amount or the payment information on the display screen of the merchant and the provision of the consumer goods, the opening of the parking lot, the opening of the door of the hotel, and the provision of the beverage by the vending machine are not limited to the embodiment disclosed in the embodiment.

Referring to FIG. 3, the following detailed steps of the mobile payment system performing another mobile payment method are described, which are applicable to situations such as buying a concert ticket or buying a MRT ticket. Steps S201 to S204 are substantially the same as steps S101 to S104. However, in the step S201, the mobile device 2 purchases a ticket online and obtains device identification information and a consumption amount, wherein the device identification information is a concert. The event information of the meeting or the shift information of the MRT is then completed in step S202 and the encrypted signature signal is generated, so that the action payment method of the embodiment can also be completed.

In summary, the mobile payment system of the present invention transmits a payment signal including device identification information, consumer identification information, payment account information, and consumption amount to the cloud server 3 through the mobile device 2, and then the cloud server 3 Performing a payment operation according to the payment signal and generating an encrypted signature signal, and transmitting the encrypted signature signal to the security module 12 of the device control device 1 via the mobile device 2 for decryption and verification, thereby improving The security of the signal transmission, and the merchant can know whether the consumer has actually paid in the moment, and the processing module 13 performs a service operation according to the decrypted and verified signature signal. Moreover, the payment signal can respond to various payment applications 21, so that the merchant only needs to set the device control device 1 to conduct transactions, so the purpose of the present invention can be achieved.

However, the above is only the embodiment of the present invention, and when it is not possible to limit the scope of the present invention, all the simple equivalent changes and modifications according to the scope of the patent application and the contents of the patent specification are still This new patent covers the scope.

1‧‧‧ equipment control device
11‧‧‧Communication module
12‧‧‧Security Module
13‧‧‧Processing module
14‧‧‧Execution module
2‧‧‧Mobile devices
21‧‧‧Payment application
3‧‧‧Cloud Server
31‧‧‧Payment platform
32‧‧‧Device Certification Platform
S101~S104‧‧‧Steps
S201~S204‧‧‧Steps

Other features and advantages of the present invention will be apparent from the following description of the drawings, wherein: Figure 1 is a block diagram of an embodiment of the present mobile payment system; Figure 2 is an embodiment of the action A step flow chart of the payment method; and FIG. 3 is a flow chart of a step of performing another action payment method in the embodiment.

1‧‧‧ equipment control device

11‧‧‧Communication module

12‧‧‧Security Module

13‧‧‧Processing module

14‧‧‧Execution module

2‧‧‧Mobile devices

21‧‧‧Payment application

3‧‧‧Cloud Server

31‧‧‧Payment platform

32‧‧‧Device Certification Platform

Claims (4)

A mobile payment system includes: a device control device, including a communication module, a security module, and a processing module electrically coupled to the communication module and the security module; a cloud server; and a mobile device Communicating with the communication module of the device control device and the cloud server, wherein the mobile device receives device identification information and a consumption amount related to the device control device provided by the device control device, and the The mobile device transmits a payment signal including the device identification information, a consumer identification information, a payment account information, and the consumption amount to the cloud server, and then the cloud server performs a payment operation according to the payment signal and generates a payment operation. a signature signal including a payment information encrypted by a key, and the cloud server transmits the encrypted signature signal to the device control device via the mobile device, so that the security module is based on the cloud server The pre-provided key decrypts the encrypted signature signal and verifies that the signed information contained in the signature signal is correct After that, the processing module executes a service job. The mobile payment server of claim 1, wherein the cloud server comprises a payment platform and a device authentication platform, and the mobile device transmits the payment signal to the payment platform, so that the payment platform performs the payment signal according to the payment signal. The payment operation, and then the payment platform causes the device authentication platform to generate the encrypted signature signal. The mobile payment system of claim 1, wherein the communication module of the device control device is a Bluetooth module. The mobile payment system of claim 1, wherein the mobile device and the cloud server communicate with each other through a 3G/4G mobile communication module.