TWM548303U - Payment and transaction platform for mobile payment - Google Patents

Description

Payment transaction platform for mobile payment

This creation is about the field of financial institutions, especially about a payment transaction platform for mobile payments.

With the advancement of technology, the way financial institutions provide services has gradually extended from traditional physical bank locations to online services such as online banking, online credit card, mobile payment, etc. to enhance the convenience of financial operations for customers and financial institutions. Sex.

Mobile payment refers to the service of using mobile devices for payment. Consumers can use mobile devices to pay for services or digital and physical goods without the use of cash, checks or credit cards. There are four main types of mobile payment methods: SMS-based transfer payments, action bill payments, mobile device network payments (WAP), and contactless payments (NFC).

QR code payment is also a payment method in current mobile payment. There are many types of QR code at present. For example, the QR code obtained by scanning the QR code is the content of a series of websites, or a series of special numbers, but the QR code is not formulated. Commonly used for mobile payment, so all the stores or related payment institutions in the market do not have a unified standard for mobile payment, that is, the virtual wallet, street, or overseas payment for the bank. There is no common uniform specification that can be followed, nor can it be traded in the current interbank inter-bank system, thereby reducing the cost and time course of bank introduction. Moreover, the QR code cannot be provided with a security protection mechanism, and the QR code cannot be guaranteed. Source identification Sex and integrity.

In view of the above problems, the purpose of this creation is to provide a payment transaction platform for mobile payment, which is integrated into the QR code through multiple lines and standard identification codes to become a common unified specification for mobile payment. The QR code can reduce the cost and time of bank import, and establish a security protection mechanism for the QR code to ensure the source identification and integrity of the QR code.

The aspect of the present invention provides a payment transaction platform for mobile payment, comprising: a QR code platform, receiving a transaction amount transmitted by a mobile device, a transaction time, a transaction verification code, a payment instrument account, One of a transaction code, a remark field, a card issuer, and a terminal device check code, and the mobile device interpret a QR code to obtain one of a name, a country code, and a receipt information. And a security code, using a cryptographic algorithm to calculate the received name, the country code, and the plurality of information of the receipt line to obtain a verification code, and compare whether the security code is consistent with the verification code. Obtaining a comparison result, and comparing the result to the mobile device, wherein the acquiring information is associated with the QR code platform; and a cross-line system, the QR code platform transmitting the transaction amount, the transaction time, the transaction verification code, One of the payment instrument account number, the transaction code, the remark field, the issuer line, and the end device check code to the inter-bank system, and the inter-bank system transmits the intersection The credit amount, the transaction time, the transaction verification code, the payment instrument account number, the transaction code, the remark field and the end device check code are all added to one of the corresponding bank payment platforms of the card issuing bank.

10‧‧‧Payment Trading Platform

12‧‧‧QR code platform

14‧‧‧Interline system

20‧‧‧ mobile devices

22‧‧‧ Processor

24‧‧‧ touch screen

26‧‧‧Transport interface

28‧‧‧Scanner

30‧‧‧Bank Payment Platform

1 is a schematic block diagram of a system architecture for mobile payment of the present invention; and FIG. 2 is a flow chart of a payment transaction method for mobile payment according to the present invention.

In order to make the present invention more familiar to those skilled in the art to which the present invention pertains, the preferred embodiments of the present invention are listed below, and the composition of the present invention and the desired effect are described in detail in conjunction with the drawings. .

FIG. 1 is a schematic block diagram of a system architecture for mobile payment according to the present invention. In FIG. 1, a payment transaction platform 10 includes a QR code platform 12 and a cross-line system 14, which respectively include devices that are well known to those skilled in the art, such as processors, transmissions. The interface, the memory, the bus bar, and the like are omitted here.

The payment transaction platform 10 performs bidirectional data transmission with a mobile device 20 and a bank payment platform 30 in a wired or wireless transmission manner. The mobile device 20 can be a smart phone or a tablet or the like. The mobile device 20 includes a processor 22, a touch screen 24, and a transmission interface 26.

The QR code specification constituting the store includes an identification code, such as a name for the store, the paying institution or the user, a country code, a transaction type, a receipt information, a security code, and a ciphertext area. Multi-line data format.

The information in the ciphertext area is obtained by encrypting the important personal data of the identity card number; the security code is determined by the QR code platform 12 according to the name, country code and the information of the acquiring bank provided by the store. The cryptographic algorithm of knowledge technology (for example, 3DES/AES algorithm) is obtained by calculation. The security code obtained by the calculation is provided by the payment transaction platform 10 to the store, and the store puts the security code into the QR code.

The scanner 28 of the mobile device 20 scans the QR code of the store, and the processor 22 of the mobile device 20 interprets the scanned QR code into an identification code, a name, a country code, a transaction type, an acquirer information, a security code, and a ciphertext. For a plurality of rows of data, the processor 22 transmits the name, the country code, the acquirer information, and the security code to the QR code platform 12 corresponding to the receipt information via the transmission interface 26.

The QR code platform 12 receives the name, the country code, the acquirer information, and the security code, and operates the name, country code, and the acquirer information by a conventional cryptographic algorithm to obtain a verification code.

The QR code platform 12 compares whether the verification code and the security code are consistent to obtain a verification result, and the QR code platform 12 transmits the verification result to the mobile device 20, so that the mobile device 20 knows whether the scanned QR code is legal and correct.

When the comparison result received by the mobile device 20 is consistent, the processor 22 transmits the transaction amount, transaction time, transaction verification code, account number of the payment instrument such as a financial card, a credit card or a stored value card (such as a card number) via the transmission interface 26. , transaction type, issuer and end-end equipment check code and transaction amount to the QR code platform12. The QR code platform 12 transmits the issuing bank, the transaction amount, the transaction time, the transaction verification code, the transaction type, the account of the payment instrument, and the terminal device checking code to the inter-bank system 14, and the inter-bank system 14 transmits the transaction amount, the transaction time, and the transaction verification code. The transaction type, the account number of the payment instrument, the transaction code, the remark field and the end device check code are all sent to the bank payment platform 30 of the corresponding issuing bank.

After the bank payment platform 30 verifies that the transaction verification code, the payment instrument account number and the terminal device check code are correct, the bank payment platform 30 debits according to the transaction time, the transaction type and the transaction amount, and transmits a deduction message to the inter-bank system 14, and the inter-bank system 14 The debit message is transmitted to the QR code platform 12, and the debit message is transmitted to the mobile device 20 by the QR code platform 12; or the debit message is directly transmitted to the mobile device 20 by the interline system 14. Processor 22 After receiving the deduction message via the transmission interface 26, the deduction message is displayed on the touch screen 24.

2 is a flow chart of a payment transaction method for mobile payment according to the present invention. Referring to the system architecture of Figure 1, the process architecture of Figure 2 is illustrated.

To integrate the multi-line and standard identification code into the QR code to become the common unified specification for mobile payment, the specifications include the identification code, for example, the name of the payment object for the store, the payment institution or the user, and the country. Multi-line data formats such as code, transaction type, receipt information, security code and ciphertext area.

The security code in the QR code is obtained by the QR code platform 12 based on the cryptographic algorithm of the prior art, based on the name, country code and the receipt information provided by the store. The QR code platform 12 then provides the security code obtained by the operation to the store, and the store puts the security code into the QR code to scan the QR code for verification of the store transaction.

In FIG. 2, when the consumer makes payment by action payment, the scanner 28 of the mobile device 20 scans the QR code of the store, and the processor 22 interprets the scanned QR code to interpret the identification code and name. , multi-line data such as country code, transaction type, acquirer information, security code and ciphertext area (step S40).

The name, country code, acquirer information, and security code are transmitted by the processor 22 via the transmission interface 26 to the QR code platform 12 corresponding to the receipt information (step S42). The QR code platform 12 calculates a received name, a country code, and an offer line information by a cryptographic algorithm to obtain a verification code (step S44). The comparison between the security code and the verification code is performed by the QR code platform 12 to obtain a comparison result (step S46), and the comparison result is transmitted to the mobile device 20.

Among them, if the store of the transaction is a store certified by the QR code platform 12, The QR code platform 12 grants the store's security code to be consistent with the cryptographic algorithm calculation and obtains the verification code. The QR code platform 12 grants the mobile device 20 to perform the action payment; if the transaction store is not the QR code platform 12 certified store, the QR code If the code platform 12 does not authorize the store's security code or related information to be tampered with, the transaction store's security code will be inconsistent with the cryptographic algorithm calculation and obtain the verification code, and the QR code platform 12 will not grant the mobile device 20 for action payment.

The comparison result is received by the processor 22 via the transmission interface 26. If the processor 22 determines that the comparison result is inconsistent, the mobile device 20 stops the transaction or scans the QR code of the store again; if the processor 22 determines that the comparison result is consistent, then The transaction amount, transaction time, transaction verification code, account number of the payment instrument such as a financial card, a credit card or a stored value card (such as a card number), a transaction code, a remark field, a transaction type, and the like, are transmitted by the processor 22 via the transmission interface 26. The issuing bank and the terminal device check code and the transaction amount are equal to the QR code platform 12 (step S48).

The QR code platform 12 transmits the received transaction time, transaction verification code, payment instrument account number (such as card number), transaction code, remark field, transaction type, issuer and end device check code and transaction amount to The inter-banking system 14 and the inter-banking system 14 view the information of the issuing bank that has a relationship with the store, and the inter-banking system 14 transmits the transaction amount, the transaction time, the transaction verification code, the transaction type, the account number of the payment instrument, and the transaction according to the data of the issuing bank. The code, the remark field, and the end device check code are sent to the bank payment platform 30 corresponding to the issuer (step S48). Among them, the transaction type includes shopping or payment.

After the bank payment platform 30 verifies the transaction verification code, the payment instrument account number and the terminal device check code, etc., the data is deducted according to the transaction time, the transaction type and the transaction amount. When the bank payment platform 30 completes the deduction, the bank payment platform 30 transmits one The debit message to the inter-bank system 14, the inter-bank system 14 transmits the debit message to the QR code platform 12, and the QR code platform 12 transmits the received debit message to the mobile device 20; or the inter-bank system 14 directly transmits the debit The message is to the mobile device 20. Afterwards, the processor 22 receives the debit message via the transmission interface 26 and displays the debit message on the touch screen 24 to notify the consumer that the transaction has been completed (step S50).

This creative department provides a payment transaction platform for mobile payment. It is integrated into the QR code through multiple lines and standard identification codes to become a common unified specification for mobile payment. The QR code can safely identify the transaction. The store to reduce the cost and time of bank introduction, and to establish a security protection mechanism for the QR code to ensure the source identification and integrity of the QR code.

Although the present invention has been described above with reference to preferred embodiments and exemplary drawings, it should not be considered as limiting. A person skilled in the art will be able to make various modifications, omissions and changes to the details of the present invention and the specific examples thereof without departing from the scope of the claims of the present invention.

10‧‧‧Payment Trading Platform

12‧‧‧QR code platform

14‧‧‧Interline system

20‧‧‧ mobile devices

22‧‧‧ Processor

24‧‧‧ touch screen

26‧‧‧Transport interface

28‧‧‧Scanner

30‧‧‧Bank Payment Platform

Claims (5)

A payment transaction platform for mobile payment, comprising: a QR code platform, receiving a transaction amount, a transaction time, a transaction verification code, a payment instrument account number, a transaction code, and a remark column transmitted by a mobile device A plurality of bits, a card issuing line, and one end device checking code and the mobile device interpreting a QR code to obtain one of a name, a country code, and a receipt information, and a security code, The cryptographic algorithm calculates a received verification code by receiving the name, the country code and the receipt information, compares the security code with the verification code to obtain a comparison result, and transmits the comparison. Resulting to the mobile device, wherein the acquirer information is associated with the QR code platform; and a cross-line system, the QR code platform transmitting the transaction amount, the transaction time, the transaction verification code, the payment instrument account number, the transaction code And a plurality of the remarking field, the issuing bank, and the terminal device checking code to the inter-bank system, the inter-bank system transmits the transaction amount, the transaction time, The transaction verification code, the payment instrument account number, the transaction code, the remark field and the end device check code are all sent to one of the bank payment platforms of the corresponding card issuing bank. The payment transaction platform of claim 1, wherein the QR code platform calculates the security code by calculating the name, the country code and the receipt information by using the cryptographic algorithm. The payment transaction platform of claim 1, wherein the content of the QR code further comprises an identification code, a transaction type including shopping, transfer or payment, and the name, the country code and the information of the acquirer. At least one of the plurality of encrypted data is encrypted. The payment transaction platform of claim 1, wherein the payment instrument account is a financial card, A credit card or a stored value account. The payment transaction platform of claim 1, wherein the inter-bank system receives a payment completion message transmitted by the bank payment platform and transmits the payment completion message to the QR code platform, and the QR code platform transmits the payment completion message to the action The device, or the interbank system, directly transmits the payment completion message to the mobile device.