TWM552138U - Payment system for mobile device - Google Patents

Description

Mobile device payment system

This creation relates to a financial application on a mobile device, and in particular to a mobile device payment system.

With the development of technology, smart devices such as smart phones and tablet PCs are becoming more and more popular. At the same time, the functions on smart devices are more perfect, except for basic functions such as making calls, sending text messages, surfing the Internet, taking photos, and so on. In addition, you can also use smart cards such as virtual credit cards, financial cards, and leisure cards to conduct transactions, and you can travel, eat, and shop without going out with your wallet.

In particular, the fees necessary for public institutions, public utilities or people's livelihood can also be paid online, such as telecommunications charges, credit card fees, parking fees, utilities, gas bills, etc., which can eliminate the waste of environmental resources by printing bills; Printing the bills to the consumer, online payment can also save the trouble of consumers going out to the bank or convenience store to pay, when the bill expires, there is a computer at hand to pay the first time online. However, at present, you must use a chip reader to pay for your online payment. You can pay by inserting a financial card, or you can use a current account to debit. If the consumer does not have a current deposit account or a chip reader, they will not be able to use the online. Paying for this convenient facility. If you can combine mobile devices such as smart phones and tablets with online payment, it will make people's lives more convenient.

Therefore, this creation proposes a mobile device payment system that can 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 payment system that links a digital wallet application in a mobile device with at least one payment application, allowing the user to simply open the payment application and select the payment item. The digital wallet application will be automatically switched and paid with a financial card to save time at the bank or convenience store.

Another purpose of this creation is to provide a mobile device payment system that uses a financial card to pay, so that bills, roadside parking fees, and fuel use can be paid to public utilities such as the Taiwan Electric Power Company and the Taipei City Water Company. Transportation fees such as fees, or credit card bills paid to banks.

A further object of the present invention is to provide a mobile device payment system that uses a financial card to pay a fee, so that the password of the physical financial card needs to be entered to ensure that the holder of the financial card is used by himself, thereby increasing the security of the online transaction.

To achieve the above objective, the present invention provides a mobile device payment system comprising: a mobile device having at least one payment application and a digital wallet application, the digital wallet application having at least one financial card Alternatively, the payment application provides a plurality of payment items and sends the payment amount of one of the payment items and the card number of the financial card; an acquiring institution, for the financial institution cooperating with the payment application, is connected with the mobile device signal Receiving the payment amount and the card number sent by the payment application in the mobile device; an authorized transfer center connecting with the acquirer signal to transfer the payment amount and the card number; and The card issuing institution connects with the authorized transfer center signal, receives the payment amount and the card number, and deducts the financial account corresponding to the card number according to the payment amount; wherein the mobile device enters the payment application Select one of the payment items, confirm the identity and choose to pay, automatically call the digital wallet application, and cut The implementation of the digital wallet application to select the debit card payment, when the debit card is selected, and then switch back to the application to send the card number to pay the amount of the payment and the payment of the financial card project.

The mobile device further includes a processor, and when the payment is selected in the payment application, the digital wallet application is driven by the processor to be turned on.

The mobile device detects whether a network signal exists. If the network signal exists, it logs in to the digital wallet application. If there is no network signal, it displays a no network signal error message. After detecting the network signal, the login process of the digital wallet application is performed, and if the login fails, a login failure error message is displayed.

The digital wallet application further includes entering a password for the financial card, which is verified by the digital wallet application.

The payment application is a national payment network, a shopping website application, a financial institution application or a web browser.

The mobile device is a smart phone or tablet.

This creation provides a mobile device payment system that utilizes a payment application on a mobile device for cross-platform payment. Please refer to Figure 1, which is a block diagram of the payment system of the creative mobile device.

The mobile device payment system of the present invention comprises a mobile device 10, at least one acquiring institution 20, an authorized transfer center 22 and at least one card issuing mechanism 24, wherein the mobile device 10 is a smart phone or a tablet computer, and at least one payment application is installed. Program 12 and a digital wallet application 14, the payment application 12 can be a national payment network, a shopping website application, a financial institution application or a web browser, and the digital wallet application 14 has at least one financial card; The mobile device 10 enters the payment application 12, selects one of the plurality of payment items, confirms the identity and selects the payment, automatically calls the digital wallet application 14 and switches the execution of the digital wallet application 14 to select a financial After the card is paid, the payment is switched back to the payment application 12, and the payment application 12 sends the payment amount of one of the payment items and the card number of the financial card; the acquiring institution 20 is a financial institution that cooperates with the payment application 12, and receives the payment. Amount and card number; authorized transfer center 22 is connected with the acquirer 20 and the card issuer 24 signal to use the amount of payment And the card number is transferred out; after receiving the payment amount and the card number, the card issuing institution 24 deducts the financial account corresponding to the card number according to the payment amount.

The mobile device 10 further includes a processor 16, and when the payment is selected in the payment application 12, the processor 16 drives the digital wallet application 14 to be turned on.

The flow chart of the mobile device payment system using this creation is shown in Figure 2, please refer to Figure 1 at the same time. As shown in step S10, at least one payment application and a digital wallet application are installed in a mobile device, and at least one financial card is set in the digital wallet application; in step S12, the payment application is entered and Select one of the multiple payment items, confirm the identity and choose to pay; in step S14, the calling digital wallet application automatically switches execution, and then selects a financial card in the list of financial cards listed in the digital wallet application in step S16. The payment is made; in step S18, the payment application is automatically switched back to the payment application, and the payment amount of the payment item and the card number of the financial card are sent by the payment application to the receiving institution of the payment application; in step S20, the acquiring institution transfers through the authorization. The receiving center transmits the payment amount and the financial card number to the card issuing institution of the financial card, and finally, in step S22, the card issuing institution deducts the amount of the payment amount from the financial account corresponding to the card number.

Fig. 3 is a detailed flow chart of the front of the digital wallet application when the mobile device payment system of the present application is applied. After confirming the payment in the payment application in step S12 of Fig. 3, the digital wallet application is started in step S14. Before the program, the mobile device first detects whether a network signal exists as described in step S122, so that the mobile device cannot use the digital wallet application to make payment in the place where the network signal is not received. The road signal displays a no-network signal error message, such as step S124; after detecting the network signal, the mobile device performs a digital wallet application startup and login procedure in step S126, and successfully logs into the digital wallet application. If the login fails, the login failure message is displayed as shown in step S128. The user may enter the member account password incorrectly and may try to log in again.

In addition, after confirming the payment in the digital wallet application in step S16, it is more necessary to input the password of the selected financial card, the password is the password of the physical financial card or the storage password, and the password is confirmed by the digital wallet application itself. is it right or not.

4A to 4F are schematic diagrams showing the operation interface of the payment system of the creative mobile device. The payment application in this example is a payment network. As can be seen from FIG. 4A, the payment application 12 includes a plurality of payment items 122, such as Hot area, credit card fee, transportation fee, Taipei water fee, Taiwan water fee, electricity fee, telecommunications fee, gas fee, etc., assuming the Taipei water fee is selected, as shown in Figure 4B, the identity confirmation required for the payment item is displayed. Enter the grid 124. The identity confirmation in the Taipei water fee project is to input the water fee. Others such as the telecommunications fee can be entered into the telephone number, the electricity fee can be entered into the electric number, the credit card fee can be entered into the credit card number, etc., and the identification of the different payment items 122 is entered. 124 The content to be entered is different, and it may be necessary to input more content, such as payment period, check code, and the like. After the water number is entered in the identity confirmation input box 124, as shown in FIG. 4C, the water number input on the previous page is displayed in the identity confirmation display column 124', and after the payment amount is displayed in the payment amount column 126, if there is no error, then Press the Confirm Payment button 128, then the digital wallet application will be automatically invoked and switched to the digital wallet application instead of executing the payment application, as shown in Figure 4D, where multiple financial cards are presented. 142 is optional, users can consider which bank's financial card payment to choose. For example, AA Bank's bank account planning use is to pay, or AA bank's balance is more, then choose AA bank's financial card; select financial card After 142, as shown in FIG. 4E, the digital wallet application 14 can display the financial card 142, the payment item 144, the payment amount column 146, and the confirmation payment button 148. If the user confirms the financial card 142, the payment item 144 is Taipei. The amount of the city water fee and payment amount column 146 is 200 yuan. If all the contents are correct, press the confirmation payment button 148, and then switch back to the payment application 12 as shown in the fourth figure. The fee application 12 transmits the payment amount of the payment item 144 to the issuing bank, that is, the AA bank, through the authorized transfer center, and deducts 200 yuan from the account number of the financial card (in this embodiment, the account number is 123456 456789). The payment application 12 is displayed on the screen of the payment application.

In summary, the mobile device payment system method provided by this creation links the digital wallet application in the mobile device with at least one payment application, so that the user only needs to open the payment application, select the payment item, and confirm. Identity and payment, the mobile device will automatically call the digital wallet application to execute, and pay with the financial card. When the agency is different from the card issuer, this creation can provide cross-bank payment service to save the bank or convenience. When the store pays the time, not only can the credit card fee be paid, but also the utility fee, parking fee, gas fee and government fee, etc., can be paid by the digital wallet application instead of the general digital The wallet only provides the credit card payment function, and many types of money cannot be paid, so this creation is obviously more convenient.

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‧‧‧Payment application
122‧‧‧payment items
124‧‧‧identification input grid
124'‧‧‧identification confirmation display
126‧‧‧Payment amount column
128‧‧‧Confirm payment button
14‧‧‧Digital Wallet App
142‧‧‧Financial Card
144‧‧‧ payment items
146‧‧‧ Payment amount column
148‧‧‧Confirm payment button
16‧‧‧ Processor
20‧‧ ‧ acquiring institution
22‧‧‧Authorized Transfer Center
24‧‧‧ card issuer

Figure 1 is a block diagram of an embodiment of a creative mobile device payment system. Figure 2 is a flow chart of the creative application mobile device payment system. Figure 3 is a detailed flow chart of the creative application mobile device payment system. 4A to 4F are schematic diagrams showing the operation interface of the payment system of the creative mobile device.

10‧‧‧Mobile devices

12‧‧‧Payment application

14‧‧‧Digital Wallet App

16‧‧‧ Processor

20‧‧ ‧ acquiring institution

22‧‧‧Authorized Transfer Center

24‧‧‧ card issuer

Claims (8)

A mobile device payment system comprising: a mobile device having at least one payment application and a digital wallet application, wherein the digital wallet application is provided with at least one financial card for selection, and the payment application provides a plurality of payment items, and sending the payment amount of one of the payment items and the card number of the financial card; at least one acquiring institution, for the financial institution cooperating with the payment application, is connected with the mobile device signal to receive the mobile device The payment amount and the card number sent by the payment application; an authorized transfer center connected to the acquirer signal for transferring the payment amount and the card number; and at least one card issuer, and the authorization The transfer center signal connection, receiving the payment amount and the card number, and deducting the financial account corresponding to the card number according to the payment amount; wherein the mobile device enters the payment application and selects one of the payment items After confirming the identity and choosing to pay, automatically call the digital wallet application and switch to execute the digit. Application folder to select the debit card payment, when the debit card is selected, and then switch back to the payment application to send the card number and the amount of the financial contribution of the payment card project. The mobile device payment system of claim 1, wherein the mobile device further comprises a processor, and when the payment is selected in the payment application, the digital wallet application is driven by the processor to be turned on. The mobile device payment system of claim 1, wherein the mobile device detects whether a network signal exists, and if the network signal exists, logs in the digital wallet application, and if there is no network signal, displays a networkless Road signal error message. The mobile device payment system of claim 3 further includes the login process of the digital wallet application after the mobile device detects the network signal, and displays a login failure error message if the login fails. The mobile device payment system of claim 1, wherein the digital wallet application further comprises inputting a password of the financial card, the password being authenticated by the digital wallet application. The mobile device payment system of claim 5, wherein the password is a physical financial card password or a stored directory password. The mobile device payment system of claim 1, wherein the payment application is a national payment network, a shopping website application, a financial institution application, or a web browser. The mobile device payment system of claim 1, wherein the mobile device is a smart phone or a tablet.