TWM563013U - Fast mobile payment systems integrated with the systems of a station and a mobile communication devices - Google Patents

Abstract

The creation is a quick payment systemfor mobile communication devices, consisting of a mobile communications device, a payment application program, 1or 2 transaction verification devices, 1or 2 station transaction systems, a central payment processing system, a customer's payment account, and combining with a quick charge method. When the user enters and before leaving the application station installing this system, the user should use the payment application program installed in his/her mobile phone to communicate with the station transaction system of the station, and the transaction data such as the user's identity number, the identity classification, the departure station, the transaction time are transferred and stored in the connected central payment processing system, station transaction system connecting with other station systems of the other station by network or the transaction verification devices within the station, or is stored in the user's mobile phone. Since the wireless communication between the payment application program of the user's mobile phone and the central payment processing system or the data communication architecture between the station transaction system of the user's departure station and that of the user's arrival station, the transaction data of the user entering the departure station will be retrieved and calculate the traffic fare when the user arrives the destination station, the processing thru the communication between the user's payment application program and the station transaction system of the destination station or the central payment processing system will start when the user arrives the destination station, and complete it before the user passes the exit gate. The authentication check, authorization check and the traffic fare calculation can be completed before the validation of the transaction verification device to the authentication pass data provided by the user's payment application program in advance, therefore it will increase the transaction speed for the user to pass the validation of a transaction verification device.

Description

Fast payment system combining mobile communication device and application field system

This creation is about a quick payment method that combines the application of the field system with the mobile communication device, especially when the user takes the mass transit vehicle at the departure site and the arrival site to pay for the information system of the mobile phone and the site or with the central terminal. The back-end system uses wireless communication to achieve a way to pay for transportation.

Today's mobile communication device payment method generally uses an NFC mobile phone, and installs a payment application on the mobile phone, and performs a cryptographic operation with a transaction key stored in a SIM card or a secure hardware module in the mobile phone, and is RF ID-based. Verify that the debit device is used for inductive deduction of NFC mobile phones. This method is not easy to popular because it must be an NFC mobile phone or must be used with a special SIM card.

The other is to use the cloud background to store the user's account data and key in the cloud security system. When the user trades, the relevant data is transmitted to the user's mobile device for transaction, but the user must be in real time with the cloud security system. The connection and delivery of data can only be used for trading operations. It is not available for use in public transportation systems such as MRT and buses that require fast customs clearance.

Another quick payment method for mobile communication devices is implemented in software mode. The payment application of the mobile communication device integrates the credit card payment method. When the user registers the mobile communication device using the mobile communication device, the credit card image data is uploaded to the center. Payment processing system, experience After the identity card and the card are correct, the mobile communication device payment service is opened. When the user uses this service, he or she uses the credit card specified by the user to register the payment device of the mobile communication device. The user must be connected to the card issuing bank of the credit card to verify the user and check the credit status of the user. Therefore, it takes a long time to complete the transaction. Not suitable for applications that require fast payment.

There is also a mobile communication device payment system using a two-dimensional barcode. After the user launches the payment application of the mobile communication device, the operation displays a two-dimensional barcode representing the user's identity on the mobile communication device screen, and allows the verification deduction device to read; the verification deduction device reads the user's barcode and then transmits the wireless The communication transmits the user information and the consumption amount information to the payment system at the center, and the payment system transmits the message to the user's mobile phone via wireless communication, and asks the user whether to allow the amount of the purchase from the bank account, after the user confirms, the center end The payment system will connect the user's account management system to perform the debit operation. This method is not suitable for application systems that require fast payment because it requires a short connection and the user confirms the debit operation, which takes a long time.

In order to solve the above-mentioned problem of using the two-dimensional barcode as a payment system for the mobile communication device, there is also a creation proposal that still uses the payment system of the two-dimensional barcode, but the transaction does not need to be confirmed by the user to meet the needs of the application system requiring fast payment. . However, the mobile payment device of the mobile communication device only provides the verification deduction device reading in a one-way access two-dimensional bar code mode, and the mobile communication device does not have an instant two-way with the system or device of the user's site or station. Wireless communication, and no two-way wireless communication with the central payment system, is still insufficient in terms of security and user identity authentication. Therefore, there are still shortcomings.

In view of the above-mentioned conventional mobile communication device payment system, there are still disadvantages, and the present invention provides an action payment method for verifying the debit device reading and verification by displaying the two-dimensional barcode method in the mobile payment application, and augmenting and improving the new mobile communication. The device must be connected to the device or site of the user. Or the system has two-way wireless communication, or instant wireless communication with the central payment back-end system at the center, in addition to obtaining site or station information, it also adds a password operation mechanism to enhance the security of communication transmission and the security strength of user identity authentication. To meet the needs of a safe and fast mobile payment application system such as the MRT system payment needs.

This creation is a new type of fast action payment system, consisting of a mobile communication device, a mobile payment application, one or more station transaction systems, one or more verification debit equipment, a central payment back office system, and a payment account. And a special quick deduction method; the station transaction system is set at each site or station of the application field, and the central payment background system is set at the center end and each site or station of the application field The station transaction system can communicate with each other, and the station transaction system and the verification deduction device and the central payment background system have a wired or wireless information transmission function, and the mobile payment application is executed on the mobile communication device; The user communicates with the central payment back office system or the station transaction system when the user enters the application field with the creation or leaves the application field, and the central payment background system or the station transaction system Verify the user's identity data or record the user's transaction data, such as the central payment back office system or the station transaction system to verify the user's Passing the data, generating and transmitting a set of valid customs clearance verification materials or a set of keys capable of generating valid customs clearance verification data to the user's mobile payment application, or recording the user in the mobile payment application Transaction data; or when the user enters the application domain with the creation or leaves the application domain, the mobile payment application accesses a previously validated or newly generated set of valid customs clearance verification materials containing identity data; Before the user leaves the application field, the station transaction system calculates the transaction fee by using the transaction data of the user, and provides the verification charge device to accelerate the subsequent chargeback operation; When the user leaves the application domain, the verification debit device receives and verifies the valid customs clearance verification data, and passes the After verification, the exit gate or facility of the application domain can be passed, and the user or the customer's payment account can be updated or recorded in an instant or batch; the present invention is characterized in that the user enters or leaves the application. The field payment communication application communicates with the station transaction system or the central payment background system in advance, and the transaction data of the user is updated in advance to the station transaction system at the location, and the deduction is verified. In the device or mobile payment application, to calculate the consumption amount and record the transaction data in advance, or to read the transaction data by the mobile payment application, so that when the user leaves the application field or passes the exit gate or facility, The verification debiting device can quickly verify and obtain the transaction data of the user or calculate the consumption amount when verifying the valid customs clearance verification data of the user's mobile payment application, so as to accelerate the payment and customs clearance speed; The user's mobile payment application integrates the site transaction system of the application domain and the central payment back office system operation The user's identity verification operation, confirmation payment operation, and transaction of the station transaction of the transaction are performed before leaving the application field in advance, and the user does not need to perform the operation of billing and confirming payment when leaving. It can speed up the deduction and customs clearance.

A typical system architecture diagram of this creation is shown in Figure 1.

The foregoing fast action payment system of the present invention, wherein at least the following four ways are completed by verification: A. First, the user connects to the central payment by using the mobile payment application of the user before leaving the application field. The back-end system or the station transaction system, after verifying the identity data of the user, the central payment back-office system or the station-based transaction system generates a set of valid customs clearance verification materials, thereby effectively completing the transaction or payment by verifying the verification data; Or B. Second, the user connects to the central payment backend system or the station transaction system with the mobile payment application of the user before leaving the application field, and the user inputs the payment confirmation password in advance. Generated by the central payment back-end system or the station transaction system after verification Effectively verifying the verification data to effectively complete the transaction or payment by validating the verification data; or C. Third, the user connects to the central payment back-end system with the user's mobile payment application before leaving the application field or The station transaction system, after verifying the identity data of the user, generates and sends a set of keys to the mobile payment application by the central payment backstage system or the website transaction system to generate a set of valid customs clearance verification Data, to effectively complete the transaction or payment by validating the verification data; or D. Fourth, the user integrates the identity data of the user with the mobile payment application to generate a set of valid customs clearance before leaving the application field Verify the information to complete the transaction or payment by validating the verification data.

In the fast action payment system described in the present application, the user enters a function of information communication between a different location or a site transaction system when leaving the application field to transmit user transaction related information.

The quick action payment system of the present invention, when the user enters an application field with the creation, the mobile payment application stores the transaction data in the mobile communication device; when the user moves to the application field In another location or site, the mobile payment application is linked to the central payment back-end system or the location transaction system of the location or site, and the transaction data is transmitted to the central payment back-end system or user in advance. The site transaction system of the location or site, and the transaction data is updated to the verification debit device of the user's location to calculate and store the transaction amount in advance.

The quick action payment system of the present invention, the user communicates with the station transaction system by the mobile payment application when entering the application field with the creation, the station transaction system identifying the user Identity data, recording transaction information such as site or site location and time of the user entering the application domain, or the site transaction system replying to the mobile payment application, the action The payment application records the transaction data of the user, or transmits the transaction data together with the user identity data to the central payment back-end system to verify the user identity and generate a valid customs clearance verification data or a key that can generate valid customs clearance verification data.

The quick action payment system of the present invention, when the user enters the application field with the creation, the user identity data of the mobile payment application is verified by the verified debit device, and the user is recorded to enter the Transmitting a transaction data such as a site or a site location and time of the field to the site transaction system or the central payment back-end system, or transmitting the transaction data of the user to the mobile payment application via communication Stored in.

The quick action payment system of the present invention, when the creative application field is a transportation vehicle, and the user's mobile payment application is associated with each station or station of the transportation vehicle when the user moves with the vehicle a site transaction system or a central payment back office system interconnecting and recording new transaction data to the mobile payment application, the venue transaction system or the central payment back office system; when the user arrives at the destination site or station Before leaving the application field, the station transaction system calculates the transaction fee with the latest transaction data, and provides the verification debit device to perform the debit and record operation; when the user leaves the When the field is applied, the valid debit verification data is received and verified by the verification deduction device, and after verification, the immediate or batch deduction and update may be performed through the exit gate or facility of the application field. And record the payment account of the user.

The quick action payment system of the present invention, when the user enters the application field with the creation or leaves the application field, inputs the identity data or the deposit confirmation password by using the mobile payment application, or Transmitting the identity data stored by the mobile payment application to the central payment back-end system, and after verification, generating a set of valid customs clearance verification data to be transmitted to the user's mobile payment application, where the user leaves the office The site transaction system before the application site or at the site or site Performing a charging operation, and receiving and verifying the valid customs clearance verification data by the verification deduction device when the user leaves the application field, and passing the verification of the application field Gate facilities.

Another way is the quick action payment system of the present invention, when the user enters the application field with the creation or leaves the application field, inputs the identity data or the Depositing a confirmation password, or transmitting the identity data stored by the mobile payment application to the central payment backend system, and after verification, generating a set of keys to be transmitted to the user's mobile payment application, the gold The key is then operated or integrated with the transaction-related data to generate a set of valid customs clearance verification data, and the user performs the charging operation at the location of the user's location before the user leaves the application field, and transmits the transaction and expense information to The verification is stored in the debit device; when the user leaves the application field, the verification debit device receives and verifies the valid customs clearance verification data, and passes the verification before passing the exit of the application field. Gate or facility.

In another aspect, the fast action payment system of the present invention inputs the identity data or password by the mobile payment application when the user enters the application field with the creation or leaves the application field. Thereafter, or directly using the identity data stored by the mobile payment application to generate a set of valid customs clearance verification materials, and transmitting to the central payment backend system, before the user leaves the application field The station transaction system performs a charging operation, and when the user leaves the application field, receives and verifies the valid customs clearance verification data by the verification deduction device, and passes the verification before passing the application field. Exit gate or facility.

The quick action payment system of the present invention, the central payment backstage system or the website before the central payment back office system or the website transaction system verifies the password by verifying the user's identity data or payment confirmation password and generating valid customs clearance verification data The trading system will check with the user's payment account Check to confirm whether the payment account corresponding to the user is deactivated, blacklisted, stopped, locked, or has insufficient balance to pay the transaction amount, etc. For the reason of the transaction, no valid customs clearance verification data will be generated. Otherwise, valid customs clearance verification data will be downloaded to the user's mobile phone; or when the user moves to another site, site, location or in the application field In the location, the site transaction system of the application field of the user and the mobile payment application of the user are connected to each other by a wireless communication system to calculate the latest correct amount of the transaction, and then The central payment back-end system checks the balance of the payment account of the user. If the balance of the payment account of the user is insufficient to pay the transaction amount, the central payment back-end system cancels or terminates the valid verification data. Customization authorization, or transfer the message of canceling or terminating the customs clearance to the site transaction system or exit gate of the application domain of the user or Shi verification device charge for inclusion in the list of prohibited customs clearance, or will be canceled or terminated customs clearance authorization valid data validation paid application through the user's action to download updates to the user's mobile device.

The fast action payment system of the present invention, wherein when the central payment back-office system or the website transaction system accepts the identity information of the user, after checking that the user meets the permitted transaction conditions, the user is immediately downloaded. Transaction and its account balance information to the site transaction system or verification debit equipment of the site, station, location or location where the user arrives, or include the account balance information in the valid customs clearance verification data, or The account balance information, together with the key of the valid customs clearance verification data, is downloaded to the mobile payment application to generate valid account verification information, including account balance information, to avoid double checking the user account balance information, so as to accelerate the system execution of the creation. The verification, check, billing, debit, update, billing or customs clearance operations.

The fast acting payment system of the creation, when the user is in the verification debit device or After the debiting operation of the user payment account is completed on the gate, the payment account information of the user's mobile payment application will be updated or uploaded to the central payment back office system.

The quick action payment system of the present invention, wherein the mobile payment application confirms the transaction and the amount of consumption of the user, and the instant or subsequent batch deduction operation is performed by the location of the user or the station transaction system of the site. If the user's payment account has insufficient deduction or cannot be debited, the valid customs clearance verification data may be terminated or the customs clearance gate may not be opened, or the user may be recovered from the user through the telecommunications provider of the user. Money.

The quick action payment system of the present invention, wherein when the mobile payment application confirms the transaction and consumption amount of the user and performs an immediate or subsequent batch deduction operation, if the user's payment account has insufficient deduction Or the situation where the debit cannot be deducted, or the user's telecommunications provider is unable to recover the arrears, or the user has a violation, or the user's payment account has insufficient deduction or cannot be debited. In the case of the payment account manager, the user may be blacklisted; or when the blacklisted situation is eliminated, the user is removed from the blacklist.

The quick action payment system of the present invention, when the transaction is performed, the verification debit device can check whether the user has been blacklisted, and the user who refuses to be blacklisted is in the application field. use.

The quick action payment system of the present invention, wherein the user of the mobile payment application should be the identity authentication operation of the owner or legal holder of the mobile communication device, and the identity authentication mechanism when the mobile communication device is powered on Or, before using the paid application function, the user may be required to complete the identity verification, etc.; the identity verification may be completed in the user's mobile communication device or its SIM card, and the identity authentication method may be an account number and a password. The identity of the user is verified by means of a mobile communication device screen unlock code or a biometric identification code.

The quick action payment system of the present invention, wherein the verification deduction device is installed in a gate or a control facility of the application field to control or record the time, distance, number of times, the time, distance, and number of times the user uses the application field a date, a number of days, or a fee, when the user leaves the application field, and the verification debit device scans, reads, or receives the valid customs clearance verification data of the user's mobile payment application for deduction The verification deduction equipment station transaction system can use the valid customs clearance verification data and transaction data as the basis for the central payment background to process the user's deduction, recovery or billing operations.

a fast action payment system of the present invention, wherein a communication transmission between the mobile payment application of the mobile communication device and the station transaction system, or a mobile payment application of the mobile communication device and the verification deduction device The communication between the communication is achieved by a short-range wireless communication mechanism. The short-range wireless communication mechanism may be a communication technology such as WIFI communication, Bluetooth communication, NFC communication, RFID or ZigBee.

a fast action payment system of the present invention, wherein a communication transmission between the mobile payment application of the mobile communication device and the station transaction system, or communication between the mobile payment application and the verification debit device The transmission, or the communication transmission between the mobile payment application and the central payment back-end system, is transmitted in unencrypted plaintext or encrypted ciphertext.

The quick action payment system of the present invention, wherein the station transaction system transmits all the sites, stations, locations or location coordinates of the application field and user transaction data to the user's mobile charging application system. To calculate the distance or cost of the job.

The quick action payment system of the present invention, when the user launches the mobile payment application, downloads all the latest sites, stations, locations, locations or location coordinates of the application domain, or the location of the location Communicating system communication to obtain information of the site, station, location or location coordinates of the user, so that the station transaction system or the mobile billing application can calculate the user usage The application field provides a mobile distance or rate operation for the service.

The fast action payment system of the present invention, wherein the user communicates with the station transaction system or the central payment back office system when the user enters the application field with the creation or leaves the application field; Or the user integrates the identity information of the mobile payment application with the mobile payment application to generate a set of valid customs verification data, etc., which is achieved by the user actively operating the mobile payment application function, or by the mobile payment application. The program communicates with the station transaction system or the central payment back office system.

The fast acting payment system of the present invention, wherein the user's payment account includes a physical financial account, an electronic financial account, a virtual account, an electronic wallet, a digital account, a virtual wallet, a virtual coin or a credit card account.

The fast action payment system of the present invention, wherein the user's valid customs clearance verification data may include a one-dimensional barcode, a two-dimensional barcode, a two-dimensional barcode, a cryptographically-calculated ciphertext, a key, an authorization code, a payment confirmation code, and a code. , mark, password, garbled, token, digital identity card, transaction information image data, user face feature identification data, biometric identification data or identity identification data.

The quick action payment system of the present invention, wherein the effective customs clearance verification data of the user may be temporary, permanent, one-time, multiple-time, limited, limited time or limited time-limited.

The quick action payment system of the present invention, wherein the user identity data may be information for identifying a user identity or a mobile communication device used therein, including an identity card number, a passport number, a health insurance card number, a driver's license number, and a mobile phone door. No., the code of the mobile communication device, the wireless communication entity address of the mobile communication device, the WiFi Media Access Control Address (MAC address), the Bluetooth device address, and the identity identification of the mobile communication device Code, token, user biometric data, user face feature recognition data, station photography or camera equipment to instantly capture the facial features of the user Identify data or tags.

The fast action payment system of the creation, wherein the application field can be transportation or transportation services such as MRT, high-speed rail, train, bus, taxi, parking lot, roadside parking, etc., or public places such as schools, government sites, public buildings , venues, or commercial establishments such as shops.

The fast acting payment system of the present invention, wherein the mobile payment application can include a leisure card, a digital leisure card, a virtual leisure card, an application pay, a Samsung pay, an Alipay, a WeChat payment, and the like.

The fast action payment system of the present invention, wherein the transaction data may include information such as a start time, an activation position, an end time, an end location, a number of times, a date, a number of days, or a transaction fee.

The fast action payment system of the present invention, wherein the application field is a station by means of a vehicle, wherein the station comprises a station, a MRT station, a bus station, a railway station or a high-speed railway station.

The fast action payment system of the present invention, the user enters a site transaction system of a different site or site at the time of leaving the application field, and has a common transaction background management system for managing user and user transaction related materials, and Each station transaction system is provided to add, query, delete or update the user and user transaction related information stored in the transaction background management system through the connection.

The fast action payment system of the present invention, wherein the central payment back-office system or the website transaction system verifies that the identity data of the user passes, and can generate a set of valid customs clearance verification materials or a set of keys capable of generating valid customs clearance verification data or User biometric authentication data is stored in the verification debit device of the user's site or station transaction system or import/export gate or facility, instead of being transferred to the user's mobile payment application storage, or simultaneously It is stored in the mobile payment application of the user and the verification and debit equipment of the station transaction system or the import/export gate or facility of the site.

The fast action payment system of the present invention, wherein when the user passes the station Or the method of verifying and verifying the valid customs clearance verification data by the verification deduction device or the access or exit gate or facility of the site comprises verifying the user identity by a biometric mechanism method; the biometric mechanism method is as follows Said: the user withdraws the valid customs clearance verification data from the mobile payment application of the mobile device when the user enters the application domain with the creation or leaves the application domain, and includes the user's previously registered use text. The identity data or biometric data or face feature identification data of the transaction back-end management system stored in the central payment back-end system or the station transaction system during the mobile payment system, or the biometric identification data or face containing the user currently collected Feature identification data, and valid verification information is provided to the verification deduction device for verification, the verification deduction device reads the valid customs clearance verification data of the user mobile device, or directly reads the previously described user after passing the authentication Download the site transaction system or verify the debit device stored at the user's site or site The verification information is verified and the identity information content is verified; if the face recognition mechanism is used, the camera connected to the verification deduction device captures or captures the facial feature data of the user and transmits it to the verification deduction device and the valid customs clearance verification data. The face feature identification data is compared, identified or verified for consistency, and the verification deduction device can also verify the identity data, biometric identification data or face feature identification data of the user in the valid customs clearance verification data; When the identity is consistent, after confirming the user identity of the transaction, the verification debit device can transmit the transaction authentication success message of the user to the station transaction system, or retransmit to the transaction background management system of the station transaction system. Or a central payment back-office system to record trading information such as trading users, trading site locations and trading hours, or to perform tariff calculations or account debit processing.

The fast action payment system of the present invention, wherein the biometric identification data of the biometric mechanism comprises a recognition method of a face, a fingerprint, a palm print, a hand geometry, a voice, a vein, a blood vessel, an iris, a retina, a DNA, a signature, and the like.

In order to let the user know the cost of using the service of the creative payment mechanism, The creation may transmit the current transaction fee data of the user to the mobile communication device of the user before or after the customs clearance.

The quick action payment system of the present invention, when the user leaves the application field, communicates with the station transaction system or the central payment background system by using the mobile payment application, and can pre-register the user's transaction data. Update to the site trading system, verification debit device or mobile payment application in the location to calculate the consumption amount and record the transaction data in advance, and the website transaction system or the central payment back office system can directly or batchly treat the user. The payment account performs the debit operation. When the user passes the exit gate or facility of the application field, the verification debit device verifies that the user has completed the deduction and does not perform the deduction operation.

1‧‧‧Mobile phone

11‧‧‧Mobile paid app

12‧‧‧effective customs clearance verification information

2a‧‧‧Verification Trading System (inbound)

2a-1‧‧‧Verification of debit equipment (inbound)

2a-2‧‧‧Site trading system (inbound)

2a-3‧‧‧Camera (inbound)

2b‧‧‧Verification Trading System (outbound)

2b-1‧‧‧Verification of debit equipment (outbound)

2b-2‧‧‧Site trading system (outbound)

2b-3‧‧‧ camera (inbound)

2c‧‧‧Transaction Backstage Management System

3‧‧‧Central Payment Backstage System

31‧‧‧Database

41‧‧‧ Payment Account Management System

5‧‧‧Users

6a‧‧‧inbound gate

6b‧‧‧Outbound gate

The first picture is a schematic diagram of the typical system architecture of this creation.

Figure 2 is a schematic diagram of the system architecture of the first embodiment (enter the site).

Figure 3 is a schematic diagram of the system architecture of the first embodiment (away from the site).

Figure 4 is a schematic diagram of the system architecture of the second embodiment (enter the site).

Figure 5 is a schematic diagram of the system architecture of the second embodiment of the present invention (away from the site).

Figure 6 is a schematic diagram of the system architecture of the third embodiment (enter the site).

Figure 7 is a schematic diagram of the system architecture of the third embodiment of the present invention (away from the site).

Figure 8 is a schematic diagram of the system architecture of the third embodiment of the present invention (away from the site).

"Embodiment 1"

Please refer to FIG. 2, which is a schematic diagram of the system architecture of this embodiment. 2 and 3 are schematic views of the flow of the embodiment.

The application field of this embodiment is a MRT system. In this embodiment, a mobile phone 1 of a user 5 is a mobile communication device, and a mobile payment application 11 installed on the mobile phone 1 enters the MRT site. The verification debit equipment 2a-1 and the inbound gate 6a, the station transaction system 2a-2 of the station, the user 5 arrives at the destination station transaction system 2b-2 of the destination MRT station, and arrives at the destination MRT site The outbound verification debit device 2b-1 and the outbound gate 6b, a central payment backend system 3 at the central end, and the user payment managed by the user 5 in the payment account management system 41 linked by the central payment backend system 3 Account, combined with a quick debit method. Among them, the verification deduction device 2a-1 and the station transaction system 2a-2 of the user 5 entering the MRT site are collectively referred to as the inbound verification transaction system 2a, and the verification deduction device 2b-1 of the MRT site and The station transaction system 2b-2 is collectively referred to as an outbound verification transaction system 2b.

When the user 5 wants to take the MRT, after entering the departure MRT site, the mobile payment application 11 in the mobile phone 1 is started to establish Bluetooth communication with the station transaction system 2a-2 to obtain the site information of the departure station. Then, the Wi-Fi or 3G/4G connection central payment back-end system 3 establishes a secure connection for encrypting the transmitted content. When the connection is successful, the account number, the payment confirmation password, and the site information transmission of the departure station are input. To the central payment back-office system 3 for identity verification, if the verification is passed, the SIM card number used by the mobile phone 1 or the mobile device device code can be re-checked and the SIM card recorded when the previous user 5 is registered as a member of the creation payment system. When the door number or the mobile phone device code also matches, the central payment back-end system 3 queries whether the user 5 is illegally disabled or listed in the blacklist of the forbidden transaction. If there is no such situation, the contact payment is checked. Whether the debit account balance of the user 5 of the account management system 41 is greater than the minimum allowed balance of the MRT. If the balance of the debit account of the user 5 is also greater than the minimum allowable balance of the aforementioned MRT, the central payment backstage system 3 That is, a set of valid customs clearance verification data 12 including transaction and verification information is generated and downloaded into the mobile payment application 11 of the user in a QR Code QR code encoding format, and the transaction and verification information content includes the user 5 The transaction identification information such as identity identification code, body identification, departure MRT site information, time and debit account balance, and message authentication information generated by the cryptographic operation of the transaction information content, the message authentication information may be a message authentication code (Message Authentication Code) or Digital Signature. When the user 5 wants to enter the inbound gate 6a, the mobile payment application 11 first displays the QR Code of the previously stored valid customs clearance verification material 12 to the verification deduction device 2a-1 to read the transaction information content and verify the message authentication information to verify The authenticity and integrity of the transaction data content, after verification, the inbound gate 6a is opened, and after the user 5 passes through the inbound gate 6a, the MRT arrives at the destination site and gets off.

After the user 5 gets off the bus, the mobile payment application 11 establishes Bluetooth communication with the station transaction system 2b-2, and transmits the valid customs clearance verification data 12QR Code to the station transaction system 2b-2 to read the transaction information content and the verification message authentication information. To confirm the authenticity and integrity of its source of information. If there is no error, the station trading system 2b-2 will calculate the MRT service fee according to the read body, the departure MRT site information and the current MRT station, and the identity identification code of the user 5 and The MRT service fee is transmitted to each outbound verification deduction device, and the record is added to the pending transaction list for temporary storage; when the user 5 arrives at an outbound verification deduction device 2b-1, the mobile phone is used The mobile payment application 11 displays the previously stored valid customs clearance verification material 12QR Code, so that the verification deduction device 2b-1 reads the identity identification code of the user 5, and then searches for the previously temporarily stored in the pending transaction list. The user 5 identification code and the MRT service tariff record, follow-up transaction deduction operation according to the MRT service tariff record, and control the outbound gate 6b to open to allow the user 5 to exit. The verification deduction device 2b-1 then returns the completed debit operation message to the field station transaction system 2b-2, and the station transaction system 2b-2 records the transaction record for subsequent transmission of the transaction record to the central payment background system 3 for immediate execution. Or batch deduction operation; at the same time, the station transaction system 2b-2 also sends out the user 5 has passed The information is sent to each outbound verification deduction device, so that each outbound verification deduction device can record the previously temporarily stored user 5 identity identification code and its MRT service charge record in the memory to be verified transaction list. Delete, no longer search for comparisons in subsequent verification chargeback transactions.

The second system operation process after the user 5 arrives at the destination site is as follows. After the user 5 gets off the bus, the mobile payment application 11 establishes Bluetooth communication with the station transaction system 2b-2, and transmits the valid customs clearance verification data 12QR Code to the station transaction system 2b-2 to read and verify the transaction information content to confirm The authenticity and integrity of its sources. If there is no error, the station trading system 2b-2 will calculate the MRT service fee according to the read body, the departure MRT site information and the current MRT station, and then generate a new set of valid customs clearance verification information QR. The code is transmitted to the mobile payment application 11 of the user 5, and the new valid customs verification information QR Code contains the user's complete transaction data such as: the identity identification code of the user 5, the physical identity, the departure MRT site information, and the inbound time. And the arrival of the MRT site information, the stop time, the MRT service fee, etc., and the message authentication information generated by the above-mentioned user complete transaction data through the cryptographic operation; when the user 5 arrives at the outbound verification deduction device 2b-1 The mobile payment application 11 of the mobile phone 1 displays the new valid verification certificate QR Code, so that the verification debit device 2b-1 reads and verifies the transaction information content, and verifies that the debit device 2b-1 verifies that the message is correct. According to the read user 5 identification code and the MRT service fee, the subsequent transaction deduction operation is performed, and the outbound gate 6b is controlled to be opened to allow the user 5 to exit. The verification deduction device 2b-1 then returns the completed debit operation message to the field station transaction system 2b-2, and the station transaction system 2b-2 records the transaction record for subsequent transmission of the transaction record to the central payment background system 3 for immediate execution. Or batch deductions.

The third system operation process after the user 5 arrives at the destination site is as follows. After the user 5 gets off the vehicle and directly arrives at the outbound verification charging device 2b-1, the mobile payment application 11 of the mobile phone 1 displays the valid customs clearance verification data 12QR Code for reading and verifying the deduction device 2b-1. Verification Easy information content, verify the debit equipment 2b-1 verification message is correct, according to the read user 5 identification code, body, departure MRT site information and debit account balance and other transaction information, as well as the current site The user's MRT service charge is calculated for the arrival destination site, and the subsequent transaction deduction operation is performed accordingly, and the outbound gate 6b is controlled to be opened to allow the user 5 to exit. The verification deduction device 2b-1 then returns the completed debit operation message to the field station transaction system 2b-2, and the station transaction system 2b-2 records the transaction record for subsequent transmission of the transaction record to the central payment background system 3 for immediate execution. Or batch deductions.

"Embodiment 2"

Please refer to FIG. 4, which is a schematic diagram of the system architecture of this embodiment. 4 and 5 are schematic views of the flow of the embodiment.

The application field of this embodiment is also a MRT system. The system architecture is similar to that of the first embodiment, but the payment account of the author user is stored in a database 31 connected to the central payment background system 3. In this embodiment, after the user 5 enters the departure MRT site, the user 5's identity data stored in the mobile payment application 11 of the mobile phone 1 generates a set of valid customs clearance verification materials QR Code (or directly to the user). (5) The valid debit verification device QR code) downloaded and used to register and use the payment mechanism of the creation is read by the verification deduction device 2a-1, and the identity information of the user included in the valid customs clearance verification certificate QR Code includes the user 5 Identity code, body and Bluetooth device address and message authentication code (or electronic signature). The verification debit equipment 2a-1 reads the user's identity data content and the verification message authentication code (or electronic signature) to verify the authenticity and integrity of the identity data content, and after verifying, opens the inbound gate 6a to verify the debit equipment. 2a-1 transmits the transaction information including the identity identification code, the departure MRT station, and the inbound time to the station transaction system 2a-2 of the departure MRT station, and then transmits it to the central payment backstage system 3 for storage. Go to the database 31 for later inquiries and calculations for the use of the MRT. After the user 5 passes through the inbound gate 6a, the MRT arrives at the destination. When the user 5 gets off the bus, the mobile payment application 11 of the mobile phone 1 establishes Bluetooth communication with the station transaction system 2b-2, and the station transaction system 2b-2 receives the mobile phone 1 by Bluetooth communication. After the valid customs clearance verification data QR Code transmitted by the mobile payment application 11 verifies the authenticity and integrity of the identity data content, and authenticates the mobile communication device, and then verifies the site information of the arrival site after verification. The mobile payment application 11 obtains the site information of the arrival station, and then establishes a secure connection for the encrypted transmission content by using the Wi-Fi or 3G/4G connection central payment background system 3. When the connection is successful, the account number is entered. The payment confirmation password is transmitted to the central payment back-end system 3 for identity verification along with the previously obtained arrival site information. If the verification is passed, the central payment back-end system 3 queries whether the user 5 is illegally disabled or listed as black. In the case of the list, if there is no such situation, the inbound transaction data generated and transmitted by the user 5 before the verification of the debit device 2a-1 at the departure MRT site is queried to obtain the departure of the user 5 Site information, and then query the information of the user 5, the inquiring starting site and the arrival site received to calculate the MRT charge, and then check whether the debit account balance of the user 5 in the database 31 is greater than Take the MRT fee. If the balance of the debit account of the user 5 is also greater than the aforementioned MRT charge, the user's 5 MRT charge data is transferred to the station transaction system 2b-2 of the arrival site at the arrival site, and temporarily stored. The station transaction system 2b-2 arriving at the site transmits the user ID identification code and the MRT service tariff record to all the verification debit equipments of the arrival station, and adds the record to the pending transaction. The list is temporarily stored for subsequent calculation of the user 5's use of the MRT charge; when the user 5 arrives at the outbound verification debit device 2b-1, the mobile payment 1 application 11 displays the previously stored valid clearance. The verification data QR Code is used to verify the information content of the verification debit equipment 2b-1, and after verifying that the debit equipment 2b-1 reads the identity identification code of the user 5, the search comparison is previously stored in the list of pending transactions. The user 5 identification code and the MRT service tariff record read the MRT service fee, record the subsequent transaction deduction operation, and control the outbound gate 6b to open to allow the user 5 to exit. Verify that the debit equipment 2b-1 will complete the debit operation message Returning the station transaction system 2b-2, the station transaction system 2b-2 records the transaction record for subsequent transmission of the transaction data to the central payment back office system 3 for immediate or batch debit operation; meanwhile, the station transaction system 2b-2 also sends out the user's customs clearance message to each outbound verification deduction device, so that each outbound verification deduction device can store the previously temporarily stored user 5 identity identification code and its MRT service charge record. The list of pending transactions in the memory is deleted, and the comparison is no longer searched for in subsequent verification of the debit transaction.

"Embodiment 3"

Please refer to FIG. 6 , which is a schematic diagram of the system architecture of the embodiment. 6 and 8 are schematic views of the flow of the embodiment.

Please refer to Figure 6. When the user 5 wants to take the MRT, after entering the MRT site, first activate the mobile payment application 11 in the mobile phone 1 to establish WIFI communication with the station transaction system 2a-2, and the mobile payment application. The program 11 transmits the user account input by the user, the encrypted password or the instant shooting face image or movie to the station transaction system 2a-2, and the station transaction system 2a-2 reconnects the transaction background management system 2c, and transmits the The station number and user account of the station, the encrypted password and the face image or video of the user 5 are sent to the transaction background management system 2c. The transaction background management system 2c has pre-stored the member user identity data of the creative action payment system, which also includes the member user account, password, identity identification code, body and face image data. The transaction background management system 2c decrypts the received user password, and then the user database is used to retrieve the user password for verification. If the verification is passed, the identity verification is performed; or the user face image data and the received user are taken out by the user database. 5 Instantly capture the face image or video for face verification. If the verification is passed, pass the identity verification. After the user 5 passes the identity verification, the transaction background management system 2c queries the user 5 whether the user 5 is illegally disabled or listed in the blacklist of the forbidden transaction. If not, the re-connected central payment background system 3 queries the Whether the balance of the debit account of User 5 is greater than the minimum allowable balance of the MRT. If the balance of the debit account of the user 5 is also greater than the minimum allowable balance of the aforementioned MRT, pay The easy background management system 2c generates a set of valid customs clearance verification materials 12 including transaction and verification information, and the effective customs clearance verification data 12 includes a customs clearance QR Code for customs clearance verification and face image data of the user 5, wherein the customs clearance QR Code The information includes the user identification code, body size, transaction information (including authentication time, entering the station number), user 5 debit account balance, user face image hash value (Hash value) and message authentication code (Message Authentication Code). The transaction background management system 2c transmits the valid customs clearance verification data 12 back to the station transaction system 2a-2 that originally sent the authentication request, and the station transaction system 2a-2 transmits the valid clearance verification data 12 to the user 5 by WIFI wireless communication. The mobile payment application 11 of the mobile phone 1 stores and parses out the user identification code and the face image data, and transmits it to the verification deduction device 2a-1, and adds the record to the list of pending transactions. Save, in case the user 5 wants to pass the inbound gate 6a and verify the comparison device 2a-1. When the user 5 wants to pass through the inbound gate 6a, the camera 2a-3 connected to the verification debiting device 2a-1 takes the face data of the user 5 and transmits it to the verification deduction device 2a-1 and the previously temporarily stored passed. The face image data of the authenticated user is compared. When the matching face data is matched, the control station gate 6a is opened to let the user 5 pass, and the user 5 identification code, the inbound clearance time, and the verification deduction device are The number is transmitted to the transaction backend management system 2c for storage and for the purpose of querying or billing when the user arrives at the destination site.

Please refer to Figure 7, there are two ways for the payment process after user 5 arrives at the destination site. The first way is that after the user 5 gets off the bus, the mobile payment application 11 first establishes WIFI communication with the station transaction system 2b-2, and transmits the valid customs clearance verification data 12 (including the QR code and the face image data of the user 5) to the station. Trading System 2b-2 verifies and reads the QR Code data to confirm the authenticity and integrity of its source. If there is no error, the station trading system 2b-2 will further read the user identification code, body parts, transaction information (including authentication time, entering the station number), user 5 debit account balance and other information, and according to the current location The MRT station calculates the MRT service fee and compares it with the user 5 debit account balance. The amount but the difference is still allowed to exit the range. If the insufficient amount exceeds the allowable outbound amount, the user 5 is prompted to pay the service window or make an online transfer bonus. On the other hand, if the debit account balance is sufficient to allow the outbound station, the station transaction system 2b-2 will identify the identity of the user 5, and the MRT service fee and the face image data of the user 5 are transmitted to each outbound verification. In the debit equipment, the record is temporarily stored in the list of pending transactions; when the user 5 arrives at the verification debit device 2b-1 of the outbound station, the camera 2b connected to the verification deduction device 2b-1- 3 photographing the face data of the user 5, and transmitting it to the verification deduction device 2b-1 and comparing the face image data of the authenticated user with the previously temporarily stored transaction list, when the matching face data is matched That is, by reading the previously stored identity identification code of the user 5 and the MRT service tariff record, performing the subsequent transaction deduction operation according to the MRT service tariff record, and controlling the outbound gate 6b to be opened to allow the user 5 to exit. station. The verification debit equipment 2b-1 then returns the completed debit operation message to the station transaction system 2b-2, and the station transaction system 2b-2 records the transaction record to subsequently transmit the transaction record to the transaction background management system 2c. The payment message is sent to the central payment back-office system 3 for immediate or batch debit operation; at the same time, the station transaction system 2b-2 also sends the user 5's cleared message to each of the outbound verification deduction devices, so that each outbound station The verification deduction device can delete the previously stored user 5 identification code, the MRT service charge record and the user 5 face image data from the waiting transaction list stored in the memory, and no longer follow the verification button. Search for matches in the transaction.

Please refer to Fig. 8. The second way is to establish WIFI communication with the mobile payment application 11 and the station transaction system 2b-2 after the user 5 gets off the vehicle, and input the user account of the user, the encrypted password or the instant photographer. The face image or video is transmitted to the station transaction system 2a-2, and the station transaction system 2a-2 reconnects the transaction background management system 2c, and transmits the station number and user account of the station, the encrypted password and the user 5 The face image or the video is verified in the transaction background management system 2c, or the valid customs clearance verification data 12 downloaded and downloaded when the user enters the station is verified by the transaction background management system 2c, and if it can be verified, it can be checked. When the user 5 passes through the inbound gate 6a, it verifies that the debit device 2a-1 stores the inbound transaction data of the transaction background management system 2c through the station transaction system 2a-2, and according to the boarding station and the user 5, respectively Calculate the cost of the MRT service and compare it with the balance of the debit account of User 5, or if the balance is insufficient, the difference is still allowed to exit. If the insufficient amount exceeds the allowable outbound amount, the transaction backend management system 2c returns the information of the insufficient balance of the user 5 to the station transaction system 2b-2, and the station transaction system 2b-2 replies to the message that the user 5 has insufficient balance to the action. The paid application 11 is used to prompt the user 5 to pay a fee to the service window or to make an online transfer bonus. On the other hand, if the balance of the debit account is sufficient to allow the outbound, the transaction backend management system 2c returns the identity identification code of the user 5, the MRT service fee and the face image data of the user 5 to the station transaction system 2b-2, The station transaction system 2b-2 then assigns the identity of the user 5, and the MRT service fee and the face image data of the user 5 are transmitted to the verification and deduction devices of each outbound, and the record is added to the site. The pending verification transaction list is temporarily stored; the subsequent verification deduction device 2b-1 integrated camera 2b-3 handles the user's clearance verification procedure through the outbound gate 6b, which is similar to the procedure described in the previous paragraph, and will not be described herein.

Claims (36)

A fast mobile payment system consisting of a mobile communication device, a mobile payment application, one or more station transaction systems, one or more verification debit equipment, a central payment back office system, a payment account and a special shortcut The debit payment method is configured; the station transaction system is set at each site or station of the application field, and the central payment back-end system is set at the central end and is transacted with the stations of the application field or the stations of the application site. The systems can communicate with each other, and the station transaction system and the verification deduction device and the central payment background system have wired or wireless information transmission functions, and the mobile payment application is executed on the mobile communication device; Before the field or before leaving the application field, the mobile payment application system communicates with the central payment back office system or the station transaction system, and the central payment back office system or the website transaction system verifies the user's identity data or records the user's identity. Transaction data, such as the central payment back-office system or the station transaction system, verifying that the identity data of the user passes, and can generate and transmit a set of valid customs clearance verification materials or a set of keys that can generate valid customs clearance verification data to the user's mobile payment application, or record the user's transaction data in the mobile payment application; or when the user is entering The mobile payment application accesses a previously validated or newly generated set of valid customs clearance verification data containing the identity data when the domain is applied or before leaving the application domain; or before the user leaves the application field, The station transaction system calculates the transaction fee by using the transaction data of the user, and provides the verification charge device to accelerate the subsequent chargeback operation; when the user leaves the application field, the verification charge device Receiving and verifying the valid customs clearance verification data, after passing the verification, passing the exit gate or facility of the application field, and performing immediate or batch deduction, or updating and recording the user's payment account; The feature is that the user pays the application and the station transaction system or the central payment background system before entering or leaving the application field. Communicate with each other, and advance the user's transaction information to update the trading system at the station's location, device or debit verification actions should pay In the program, the consumption amount and the transaction data are calculated in advance, or the transaction data can be read by the mobile payment application, so that the verification debit device is used when the user leaves the application field or passes the exit gate or facility. When verifying the valid customs clearance verification data of the user's mobile payment application, the user's transaction data or the calculation of the consumption amount can be quickly verified and obtained to speed up the payment and customs clearance speed. For example, the fast action payment system described in claim 1 has at least the following four ways to complete the transaction by verification: A. First, the user pays for the user's action before leaving the application field. The application is connected to the central payment back-end system or the station transaction system, and after verifying the identity data of the user, the central payment back-end system or the station transaction system generates a set of valid customs clearance verification data, thereby effectively verifying the customs clearance. The data completes the transaction or payment; or B. Second, the user connects to the central payment backend system or the station transaction system with the user's mobile payment application before leaving the application field, the user inputs in advance After the payment confirmation password, a valid set of customs clearance verification data is generated after the verification by the central payment backstage system or the website transaction system, thereby effectively completing the transaction or payment by verifying the verification data; or C. The user connects to the central payment backend system or the station transaction system with the user's mobile payment application before leaving the application field. After verifying the identity data of the user, the central payment backstage system or the website transaction system generates and sends a set of keys to the mobile payment application to generate a set of valid customs clearance verification data, thereby effectively Customizing the verification data to complete the transaction or payment; or D. Fourth, the user integrates the identity data of the user with the mobile payment application to generate a set of valid customs clearance verification data before leaving the application field, thereby Successful customs clearance verification information Into a transaction or payment. For example, in the fast action payment system described in claim 1, the user has the function of information communication between the different locations or sites of the site when leaving the application field to transmit user transaction related information. . The fast action payment system of claim 1, wherein the mobile payment application stores the transaction data in the mobile communication device when the user enters the application field; when the user moves to the application site Another location or site of the domain, the mobile payment application is linked to the central payment back office system or the site transaction system of the location or site, and the transaction data is transmitted to the central payment back office system in advance. Or the location transaction system of the user's location or site, and update the transaction data to the verification debit equipment of the user's location to calculate and store the transaction amount in advance. The fast action payment system of claim 1, wherein the user communicates with the station transaction system by the mobile payment application when entering the application domain, the station transaction system identification system Describe user identity data, record transaction information such as site or site location and time of the user entering the application domain, or the site transaction system replies to the mobile payment application, the mobile payment application record The transaction data of the user, or the transaction data is transmitted to the central payment back-end system together with the user identity data to verify the user identity and generate a valid customs clearance verification data or a key capable of generating valid customs clearance verification data. The fast action payment system of claim 1, wherein when the user enters the application domain, the user identity data of the mobile payment application is verified by the verification debit device, and the user is recorded. Transmitting the transaction data of the site or the site location and the time of the application field to the site transaction system or the central payment back-end system, or transmitting the transaction data of the user to the action payment through communication Stored in the app. The fast action payment system of claim 1, wherein when the application field is a transportation vehicle, and the user moves with the vehicle, the user's mobile payment application and the transportation vehicle are each Site or field station transaction system or central payment back office system interconnected and record new transaction data to the mobile payment application, the venue transaction system or the central payment back office system; when the user arrives at the destination The site or the station, before leaving the application field, the station transaction system calculates the transaction fee with the latest transaction data, and provides the verification deduction device to perform the deduction and recording operation; When the user leaves the application field, the verification and debit equipment receives and verifies the valid customs clearance verification data, and after passing the verification, the instant or batch can be performed through the exit gate or facility of the application field. Debit, and update and record the user's payment account. The fast action payment system as described in claim 1, 2, 3, 4, 5, 6 or 7 of the patent application, when the central payment back office system or the station transaction system verifies the identity information or payment confirmation of the user After the password is generated and the valid verification information is generated, the central payment back office system or the website transaction system checks with the user's payment account to confirm whether the payment account corresponding to the user is disabled or listed. If the blacklist, the card is stopped, the card is locked, or there is not enough balance to pay the transaction amount, etc., the reason for the rejection is not included. If there is the reason for the rejection, no valid customs clearance verification data will be generated. Otherwise, valid customs clearance verification will be generated. Downloading data to the user's mobile phone; or when the user moves to another site, station, location or location in the application field, the site transaction system of the application field of the user and the user The mobile payment application will be linked to each other by wireless communication system to calculate the latest correct amount of the transaction, and then the central payment back-end system in the application domain. Checking the balance of the payment account of the user, if the balance of the payment account of the user is insufficient to pay the transaction amount, the central payment background system cancels or terminates the customs clearance authorization of the valid customs clearance verification data, or The message to cancel or terminate the customs clearance is transmitted to the user In the application of the field station trading system or the exit gate or facility verification deduction equipment to be included in the prohibition of customs clearance list, or the valid clearance verification data of the cancellation or termination of the customs clearance authorization is downloaded through the user's mobile payment application Updated to the user's mobile device. The quick action payment system as described in claim 1, 2, 3, 4, 5, 6 or 7 wherein the central payment back office system or the station transaction system receives the identity data of the user, After checking that the user meets the permitted transaction conditions, the user's transaction and its account balance information are immediately downloaded to the site transaction system or the verification debit device of the site, station, location or location where the user arrives, Or include the account balance information in the valid customs clearance verification data, or download the account balance information together with the key of the valid customs clearance verification data to the mobile payment application to produce the valid customs clearance verification information including the account balance. Information, avoiding repeated checks of the user account balance message to speed up the system to perform the verification, check, billing, debit, update, billing or customs clearance operations. For example, in the fast action payment system described in claim 1, 2, 3, 4, 5, 6 or 7 of the patent application, when the user completes the deduction of the user payment account on the verification deduction device or the gate After the operation, the payment account data of the user's mobile payment application will be updated or uploaded to the central payment back office system. The quick action payment system as described in claim 1, 2, 3, 4, 5, 6 or 7 wherein the mobile payment application confirms the transaction and the amount of the user, and the location of the user Or when the site's site trading system performs immediate or subsequent batch debiting operations, if the user's payment account has insufficient debit or cannot be debited, the valid customs clearance verification data or the control clearance gate may be terminated. Turning on, or afterwards, recovering the outstanding amount from the user through the telecommunications provider of the user. The fast action payment system as described in claim 1, 2, 3, 4, 5, 6 or 7 wherein the central payment backstage system performs the chargeback operation according to the transaction and consumption amount of the user. If If the user's payment account has insufficient deduction or cannot be debited, or if the user's telecommunications provider is unable to recover the arrears, or if the user has a violation, or the user's payment The user may be blacklisted if the account has insufficient credits or cannot be debited; or the user is removed from the blacklist when the blacklisting situation is eliminated. For example, in the fast action payment system described in claim 1, 2, 3, 4, 5, 6 or 7, the verification debit device can check whether the user has been included in the black when the transaction is in progress. The users in the list who have refused to be blacklisted are used in the application domain. A quick action payment system as described in claim 1, 2, 3, 4, 5, 6 or 7 wherein the user of the mobile payment application is the owner or legal holder of the mobile communication device. The identity authentication operation of the person is achieved by means of the identity authentication mechanism when the mobile communication device is turned on, or the user is required to complete the identity verification before using the paid application function; the identity verification can be performed by the user The communication device or its SIM card is completed, and the identity authentication method may verify the identity of the user by means of an account number, a password, a mobile communication device screen unlock code or a biometric identification code. The quick action payment system as described in claim 1, 2, 3, 4, 5, 6 or 7 wherein the verification deduction device is installed in a gate or a control facility of the application field, Controlling or recording the time, distance, number of times, date, number of days, or fee of the user using the application field, and scanning, reading, or receiving the verification debit device when the user leaves the application field When the valid payment verification information of the user's mobile payment application is used for debiting, the verification debit equipment field transaction system may process the user as the central payment background according to the valid customs clearance verification information and transaction data. The basis for operations such as deductions, recovery or billing. A quick action payment system as described in claim 1, 2, 3, 4, 5, 6 or 7 wherein the mobile payment application of the mobile communication device communicates with the station transaction system, Or The communication transmission between the mobile payment device of the mobile communication device and the verification deduction device is achieved by a short-range wireless communication mechanism. For example, the fast action payment system described in claim 16 wherein the short-range wireless communication mechanism can be a communication technology such as WIFI communication, Bluetooth communication, NFC communication, RFID or ZigBee. A quick action payment system as described in claim 1, 2, 3, 4, 5, 6 or 7 wherein the mobile payment application of the mobile communication device communicates with the station transaction system, Or a communication transmission between the mobile payment application and the verification debiting device, or a communication transmission between the mobile payment application and the central payment background system, with unencrypted plaintext or encrypted After the ciphertext transmission. A quick action payment system as described in claim 1, 2, 3, 4, 5, 6 or 7 wherein the station transaction system will have all the sites, stations and locations of the application field. Or location coordinates and user transaction data are transmitted to the user's mobile billing application system to facilitate calculation of distance or expense operations. The fast action payment system described in claim 1, 2, 3, 4, 5, 6 or 7 of the patent application, when the user activates the mobile payment application, all the latest application fields are downloaded. Site, station, location or location coordinates, or communication with the station transaction system at the location to obtain information on the site, site, location or location coordinates of the user to facilitate the site transaction system or the action The billing application can calculate a mobile distance or rate job that the user provides services using the application farm. A fast action payment system as described in claim 1, 2, 3, 4, 5, 6 or 7 wherein the user pays for the action when entering the application field or before leaving the application field. The program communicates with the station transaction system or the central payment back-office system; or the user integrates the identity information of the mobile payment application with the mobile payment application to generate a set of valid customs verification data, etc. The function of the mobile payment application, or the mobile payment application and the station The interactive communication system or the central payment back-office system is reached. A quick action payment system as described in claim 1, 2, 3, 4, 5, 6 or 7 wherein the user's payment account includes a physical financial account, an electronic financial account, a virtual account, an electronic wallet, and a digital Account, virtual wallet, virtual coin or credit card account. The fast action payment system described in claim 1, 2, 3, 4, 5, 6 or 7 wherein the valid verification data of the user may include a one-dimensional barcode, a two-dimensional barcode, and a two-dimensional barcode. Cryptographically operated ciphertext, key, authorization code, payment confirmation code, code, mark, password, garbled, token, digital identity card, transaction information image data, user face feature identification data, biometric identification data or Identity identification information, etc. For example, the fast action payment system described in claim 1, 2, 5 or 7 of the patent application, wherein the user's valid customs clearance verification data may be temporary, permanent, one-time, multiple-time, limited, limited, Time or limited time limit. The quick action payment system described in claim 1, 2, 5 or 6, wherein the user identity data may be information identifying a user identity or a mobile communication device used therein, including an identity card number, a passport Certificate number, health insurance card number, driver's license number, mobile phone number, mobile communication device code, wireless communication entity address of mobile communication device, WiFi access control address of mobile communication device (Media Access Control Address, referred to as Face address identification, Bluetooth device address, identity code, token, user biometric identification data, user face feature identification data, station photography or camera equipment Information or markup. For example, the fast action payment system described in claim 1, 2, 3, 4, 5, 6 or 7 wherein the application field can be a transportation or transportation service such as a MRT, a high-speed train, a train, a bus, a taxi , parking lots, on-street parking, etc., or public places such as schools, government sites, public buildings, venues, or commercial establishments such as Store, etc. The fast action payment system described in claim 1, 2, 3, 4, 5, 6 or 7 of the patent application, wherein the mobile payment application may include a leisure card, a digital leisure card, a virtual leisure card, and an Apple payment ( Apply pay), Samsung pay (Samsung pay), Alipay, WeChat payment, etc. A quick action payment system as described in claim 1, 4, 5, 6 or 7 wherein the transaction data may include a start time, an activation location, an end time, an end location, a number of times, a date, a number of days, or a transaction fee. And other information. The quick action payment system of claim 7, wherein the application field is a station of a vehicle, wherein the station comprises a station, a MRT station, a bus station, a railway station or a high-speed railway station, etc. . For example, in the fast action payment system described in claim 1, the user enters a site transaction system different from the site or site where the application site is located, and has a common transaction background management system to manage the user. And user transaction related information, and provide each station transaction system to add, query, delete or update the user and user transaction related information stored in the transaction background management system through the connection. The fast action payment system of claim 1, wherein the central payment back-office system or the station transaction system verifies that the user's identity data is passed, and a set of valid customs clearance verification data or a group can be generated to be effective. The key of the customs verification data or the user biometric verification data is transmitted to the verification or debit equipment of the user's site or the station transaction system or the import/export gate or facility to replace the payment to the user. The application is stored, or can be simultaneously transferred to the user's mobile payment application and the site transaction system of the site or the verification deduction device of the import/export gate or facility. A quick action payment system as described in claim 1, 2, 3, 4, 5, 6 or 7 wherein said user passes through an entry or exit gate or facility of a station or station; The verification deduction The method of receiving and verifying the valid customs clearance verification data includes verifying the user identity by a biometric mechanism method. The fast action payment system of claim 32, wherein the biometric mechanism method is as follows: the user pays for the action of the mobile device when entering the application field or before leaving the application field The application fetches the valid customs clearance verification data, which includes the identity data, biometric identification data or face of the transaction background management system stored in the central payment backstage system or the station transaction system when the user previously registered to use the mobile payment system. The feature identification data or the biometric identification data or the facial feature identification data of the user currently collected, and the valid verification verification data is provided for verification by the verification deduction device, and the verification deduction device reads the user Verifying the valid information of the mobile device, or directly reading the valid verification information of the site transaction system or the verification debit device stored by the user before the user is authenticated, and verifying the identity information content; If the face recognition mechanism is used, the camera connected to the verification debit device is photographed or captured. The face feature data of the user is transmitted to the verification deduction device to compare, identify or verify the consistency of the face feature identification data in the valid customs clearance verification data, and the verification deduction device can also verify the valid customs clearance verification data. The user's identity data, biometric identification data or facial feature identification data; if the identity is consistent, the user identity of the transaction can be confirmed, and the debit device can verify the transaction authentication success message of the user. Transmitted to the station trading system, or re-transmitted to the trading system of the station trading system or the central payment back-end system to record trading information such as trading users, trading site location and trading hours, or to calculate tariffs or account debits deal with. The fast action payment system according to claim 32, wherein the biometric identification data included in the biometric identification mechanism includes a face, a fingerprint, a palm print, a hand geometry, a voice, a vein, a blood vessel, an iris, a retina, Identification methods such as DNA and signature. For example, in the fast action payment system described in claim 1 or 2, the current transaction fee data of the user may be transmitted to the mobile communication device of the user before or after the customs clearance. A fast action payment system as described in claim 1, 2, 3, 4, 5, 6 or 7 of the patent, when the user leaves the application field, the mobile payment application is used to trade with the station. The system or the central payment back-office system communicates with each other, and can update the transaction data of the user to the spot transaction system, the verification deduction device or the mobile payment application in the location to calculate the consumption amount and record the transaction data in advance. The field station transaction system or the central payment back-office system may perform a chargeback operation on the user's payment account in real time or in batches, and verify that the debit equipment is only verified when the user passes the exit gate or facility of the application field. Whether the user has completed the deduction and no longer performs the deduction operation.