TWM549386U - Cross-platform payment system in mobile device - Google Patents

Description

Cross-platform payment system in mobile device

This creation is about a financial transaction management technology, especially a cross-platform payment system in a mobile device.

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, online shopping is developed. Not only do shopping websites launch mobile applications, but banking institutions also launch mobile-specific applications. Users can use the banking application or shopping website application to enter credit card number transactions directly on their mobile phones. However, usually the banking institution's application can only input its own credit card. Therefore, if users have multiple credit cards issued by banks, they need to install multiple banking applications on their mobile phones, but the mobile phone memory space is smaller than the computer. Installing these applications can consume a lot of memory space on your phone, so if you can integrate the payment function into one application, the payment application will be automatically opened at checkout, which will greatly save your phone space and simplify the payment process.

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

The main purpose of the present invention is to provide a mobile device cross-platform payment system, which is to link an application that needs to pay for a transaction in a mobile device to a payment application, as long as it is shopping and consuming in various applications of the mobile device. When the transaction is acted upon, the payment application is automatically activated to complete the payment.

Another purpose of the present invention is to provide a cross-platform payment system in a mobile device, wherein the intermediary agency also converts the physical card number and the virtual card number, so that the card information is provided from the mobile device, and is transmitted between the store, the acquirer, and the issuing bank. When the virtual card number is obtained, the issuing bank needs to transfer it to the agency to convert it into a physical card number, so as to prevent the risk of being stolen.

A further object of the present invention is to provide a cross-platform payment system in a mobile device, wherein the intermediary institution further adds a verification code related to the transaction information in the data field of the card information, and when the card issuing bank receives the card information, the intermediary institution can Verify the validity of this verification code to determine whether the card information has been tampered with, greatly improving the security of online transactions.

To achieve the above objective, the present invention provides a cross-platform payment system for a mobile device, comprising: a mobile device, at least one store, an intermediary agency, an acquirer, and at least one card issuing bank, wherein the mobile device is installed with a payment application and At least one first application, the first application selects a payment service button when making a transaction with the store, the payment application can be automatically opened, and the payment application presents a smart card list to select from the smart card list. A smart card to be used for payment, and the card information and transaction information of the smart card are transmitted; the intermediary device is connected with the mobile device signal, receives the card information and transaction information transmitted by the mobile device, and adds a verification to the card information. The code is then transmitted back to the mobile device; the acquiring institution belonging to the store is connected to the store signal, and receives the card information and transaction information transmitted by the mobile device including the verification code through the store; and the issuing bank and the acquiring institution and the agency signal Connect, receive card information and transaction information transmitted by the acquirer, and connect the card The information is transferred to the agency to verify the verification code. After verification, the agency will return the card information to the issuing bank, and the issuing bank will determine whether to authorize the payment.

The mobile device further includes a processor, and when the smart card is selected, the processor-driven payment application is turned on.

The mobile device first detects whether a network signal exists. If the network signal exists, the mobile application is logged in. If there is no network signal, a no network signal error message is displayed.

After detecting the network signal, the mobile device performs the login procedure of the payment application, and if the login fails, a login failure error message is displayed.

After selecting the smart card, the mobile device further determines whether there is at least one transaction key. If there is no transaction key, a card verification failure message is displayed.

The first application is a shopping website application, a financial institution application or a web browser.

The smart card number included in the card information in the mobile device is a virtual card number. When the card issuing bank receives the card information, the card information is transmitted to the intermediary to obtain a physical card number of the smart card.

In the present creation, the verification code is a set of codes calculated by using the transaction information, and the complex digital element is taken out from the code as the verification code, and is added to a data field of the card information. Trading information includes trading hours, store codes, transaction amounts, and more.

In the case, when the card issuing bank transmits the card information to the intermediary institution, it is first verified whether the verification code is correct, and if the card number of the smart card is correctly provided to the issuing bank.

In this creation, the payment application is connected to an intermediary, and the store is a financial institution server or a shopping store.

The smart card is a credit card, a financial card, a leisure card or other electronic card with payment function.

The mobile device is a smart phone, tablet or smart watch.

10‧‧‧Mobile devices

12‧‧‧First application

14‧‧‧ Processor

16‧‧‧Payment application

20‧‧ ‧ shop

22‧‧‧Intermediary agencies

24‧‧ ‧ acquiring institution

26‧‧‧ Issuing Bank

Figure 1 is a block diagram of the system of the cross-platform payment system in the authoring mobile device.

Figure 2 is a block diagram of the payment application and the first application in the cross-platform payment system of the authoring mobile device.

Figure 3 is a flow chart of the cross-platform payment system in the mobile device in the creation.

Figure 4 is a detailed flow chart of the login payment application in the cross-platform payment system of the mobile device in the creation.

Figure 5 is a detailed flow chart of the smart card selection in the cross-platform payment system of the mobile device in the creation.

The present invention provides a cross-platform payment system in a mobile device. FIG. 1 is a system block diagram of a cross-platform payment system in a creative mobile device, including at least one mobile device 10 of the user, at least one store 20, and at least one acquiring institution. 24. An intermediary agency 22 and at least one card issuing bank 26, the acquiring institution 24 is an acquiring bank belonging to the store 20, and may be a bank or other financial institution, the intermediary institution 22 is connected with the mobile device 10 signal, and the acquiring institution 24 and the store 20 The signal is connected, and the issuing bank 26 is connected to the acquiring institution 24 and the intermediary 22 signal. Please refer to FIG. 1 and FIG. 2 at the same time. FIG. 2 is a block diagram of the internal operation of the mobile device in the cross-platform payment system in the mobile device of the present invention. The mobile device 10 includes a plurality of first application programs 12 and a processor. 14 and a payment application 16, wherein the mobile device 10 is a smart phone, a tablet or a smart watch, and the first application 12 is an application for a shopping website, an application installed by a financial institution, or a web browser, used. Can be directly in the first application The business of shopping or operating online banking on the formula 12 can select various methods such as financial card transfer, credit card transaction, cash on delivery, etc. in the transaction of the first application 12, wherein if the smart card is selected (including credit card, financial The payment application is initiated by the card, the leisure card or other electronic card with payment function. The payment application 16 is an application installed in the mobile device 10 and dedicated to the payment service, which is a motherboard simulation ( The application of Host Card Emulation (HCE) can integrate the smart cards of different financial institutions into the same application. That is, the smart card of different financial institutions has been downloaded and enabled in the payment application 16 so that the user can only open it. The payment application 16 application can select smart cards of a plurality of financial institutions, and does not need to be installed by each financial institution's application, which can reduce the number of applications installed in the mobile device 10, and greatly save the limited space of the mobile device 10. .

When applying the cross-platform payment system in the mobile device of the present application, please refer to the flowchart shown in FIG. 3, in which the mobile device is pre-installed with a payment application and at least a first application in the first application. Dealing with at least one store and selecting a payment service button. In this step, if the first application is a shopping website, the user can purchase the good item, and the shopping cart is checked out, if the first application If it is a financial institution website, it may be that the financial institution's customers want to use the bonus points to redeem the goods in the application. This is only an example. In addition, the payment service button can be the "confirm purchase" button, "confirm the redemption bonus point." a button or other button having a substantial meaning for payment, and the smart card list displays a smart card that can be used, and the user can call the smart card list again and re-select another smart card; step S12; the mobile device drives the payment application The program is automatically opened and a smart card list is displayed, showing that the user has downloaded and installed the smart card in the payment application, and from the wisdom Clicking on a smart card to be used for payment in the card list, and then, as described in step S14, the mobile device transmits the plurality of card information and the plurality of transaction information of the smart card to an intermediary institution, and the card information includes the virtual card number and the validity period, and the transaction The information includes transaction time, store code, transaction amount, etc., the intermediary adds a verification code to the card information and returns it to the mobile device; in steps S16~S18, the mobile device transmits the card information to the acquiring institution through the store. The acquirer then transmits it to one of the smart card issuing banks, and then steps In S20, the card issuing bank receives the card information, and first transmits the card information to the intermediary for verification. In step S22, the intermediary device verifies the verification code in the card information, and converts the virtual card number in the card information into an entity. The card number is passed back to the issuing bank to determine whether the payment is authorized.

In step S14, the verification code added by the intermediary institution is a set of codes calculated by using the transaction information, and the complex digital element is taken out from the code as a verification code, and is added to a data field of the card information, for example, The code coming is eight digits, and the last three codes are used as verification codes, which are added to the card information exchange field. Therefore, in step S20, when the issuing bank transmits the card information to the intermediary institution, the intermediary institution in step S22 first verifies whether the verification code is correct, to confirm whether the transaction information has been tampered with, and if the card information is correctly converted into the physical card number. , passed back to the issuing bank.

Figure 4 is a detailed flow chart of the pre-platform payment application in the cross-platform payment system of the mobile device in the creation. After the transaction behavior is performed in step S10 of Fig. 3, and the payment application is registered in step S12, the mobile device is also Step S112 first detects whether a network signal exists, so that the mobile device cannot use the payment application to make payment at the place where the network signal is not received, and if there is no network signal, it displays a no network signal. The error message is as in step S114; after detecting the network signal, the mobile device performs the login procedure of the payment application in step S116, and if the login application is successfully registered, the process proceeds to step S12; otherwise, if the login fails, step S118 is performed. The display shows a login failure error message. It may be that the user entered the member account password incorrectly and can try to log in again.

Figure 5 is a detailed flow chart of the smart card selection in the cross-platform payment system of the mobile device in the creation. After selecting a smart card in step S18 of FIG. 3 and before the payment application is automatically started in step S20, some steps of determining are also included. As shown in the figure, after step S18 selects a smart card from the smart card list, step S192 Determining whether there is at least one transaction key in the mobile device, the transaction key is stored in the mobile device in advance, and each time the transaction is performed by the payment application, a transaction key is required to encrypt the transaction content, so if There is also a transaction key available in the mobile device to proceed to step S20, and the mobile device driver payment application is automatically enabled. If there is no transaction key, then In step S194, the mobile device displays a card verification failure message; thus, the security of the transaction over the wireless network on the mobile device is ensured.

For example, if the user uses a mobile device to shop, assuming that the first application is a shopping website, such as an auction platform, a store, or a bookstore website, the user first puts the product into the shopping cart and selects the checkout (ie, Figure 3). In step S10, the payment service button automatically opens the payment application, jumps out the user's personal smart card list, and then selects a smart card from the smart card list, and the payment application performs the payment service.

In particular, the smart card number provided by the mobile device in this creation is a virtual card number. Only the intermediary knows the correspondence between the virtual card number and the physical card number. For example, the physical card number is 1111-2222-3333-4444, and the virtual card number is assumed. 5249-3678-9173-6872, but this relationship is only known to the agency. Therefore, after the card-issuing bank obtains the virtual card number, it cannot find the account of the card number, and it needs to request the intermediary to convert back to the physical card number.

For example, if the first application is an application of the Chimo shopping center, the user opens the first application on the mobile device to browse the store of the Chimo shopping center. When the checkout is to be made, click the "action payment" button. The mobile device will automatically switch and start the payment application. The user chooses to settle the credit card of Bank A. The virtual card number and validity period of the credit card and the transaction information will be transmitted to the agency. The agency adds a verification code after the card information. The card information is then transmitted to the issuing bank (ie Bank A) through the first application, store, and the acquiring institution of the Chimo Shopping Center (such as Bank B). Bank A must transmit the card information to the agency, first verifying the code. Verification, confirm that the transaction information has not been tampered with, and then convert the virtual card number into the real physical card number of the credit card. Bank A then judges whether to authorize the transaction based on the physical card number, validity period, transaction information, and the like.

In summary, the cross-platform payment system in the mobile device provided by the creation integrates the payment function on the service platform of different applications into a payment application, whether it is the payment function of the shopping website or the bonus point of the bank website. Number exchange, etc., will automatically connect to the payment application. The payment application automatically opens for transaction payment, which eliminates the user's need to upgrade the payment software for different applications, and reduces the number of applications that need to be installed. The payment application can complete the payment operation.

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

12‧‧‧First application

16‧‧‧Payment application

20‧‧ ‧ shop

22‧‧‧Intermediary agencies

24‧‧ ‧ acquiring institution

26‧‧‧ Issuing Bank

Claims (14)

A cross-platform payment system for a mobile device, comprising: a mobile device, wherein a payment application and at least a first application are installed, the first application selecting a payment service button when performing a transaction with at least one store, The payment application is automatically opened, and the payment application presents a smart card list to select a smart card to be used for payment from the smart card list, and the card information and the plurality of transaction information of the smart card. Transmitting; an intermediary device, connecting with the mobile device signal, receiving the card information and the transaction information transmitted by the mobile device, and adding a verification code to the card information, and transmitting the verification code to the mobile device; An acquiring institution of the store, which is connected to the store signal, receives the card information and the transaction information including the verification code transmitted by the mobile device through the store; and at least one card issuing bank, and the receiving The single institution and the intermediary are connected to receive the card information and the transaction information transmitted by the acquiring institution. And transferring the card information to the intermediary to verify the verification code. After verification, the intermediary information is returned to the issuing bank, and the issuing bank determines whether the payment is authorized. The cross-platform payment system of the mobile device of claim 1, wherein the mobile device further comprises a processor, and when the smart card is selected, the payment application is driven by the processor to be turned on. The cross-platform payment system of the mobile device according to claim 1, wherein the mobile device detects whether a network signal exists, and if the network signal exists, logs in to the payment application, and if there is no network signal, displays no Network signal error message. The cross-platform payment system of the mobile device of claim 3, wherein the mobile device detects the network signal, performs a login procedure of the payment application, and displays a login failure error message if the login fails. The cross-platform payment system of the mobile device of claim 1, wherein the mobile device selects the smart card to determine whether there is at least one transaction key, and if there is no transaction key, a card verification failure message is displayed. The cross-platform payment system of the mobile device of claim 1, wherein the card number of the smart card included in the card information in the mobile device is a virtual card number, and when the card issuing bank receives the card information, And transmitting the card information to the intermediary to obtain a physical card number of the smart card. The cross-platform payment system of the mobile device according to claim 1, wherein the verification code is a set of codes calculated by using the transaction information, and the complex digital element is taken from the code as the verification code, and is attached to the verification code. A data field in the card information. The cross-platform payment system in the mobile device of claim 1, wherein the transaction information includes a transaction time, a store code, a transaction amount, and the like. The cross-platform payment system of the mobile device according to claim 6, wherein the card issuing bank transmits the card information to the intermediary device, first verifying whether the verification code is correct, and then providing the physical card number of the smart card to The issuing bank. The cross-platform payment system of the mobile device of claim 1, wherein the first application is a shopping website application, a financial institution application, or a web browser. The cross-platform payment system of the mobile device of claim 1, wherein the payment application is connected to the intermediary. The cross-platform payment system of the mobile device of claim 1, wherein the store is a financial institution server or a shopping store. The cross-platform payment system of the mobile device according to claim 1, wherein the smart card is a credit card, a financial card, a leisure card or other electronic card with a payment function. The cross-platform payment system of the mobile device of claim 1, wherein the mobile device is a smart phone, a tablet or a smart watch.