TWM563590U - Mobile payment system - Google Patents

Mobile payment system Download PDF

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Publication number
TWM563590U
TWM563590U TW107204126U TW107204126U TWM563590U TW M563590 U TWM563590 U TW M563590U TW 107204126 U TW107204126 U TW 107204126U TW 107204126 U TW107204126 U TW 107204126U TW M563590 U TWM563590 U TW M563590U
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Taiwan
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payment
code
platform
transaction
dimensional barcode
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TW107204126U
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Chinese (zh)
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賴威慎
邱百加
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財金資訊股份有限公司
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Priority to TW107204126U priority Critical patent/TWM563590U/en
Publication of TWM563590U publication Critical patent/TWM563590U/en

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Abstract

一種行動繳費系統,其包括:一繳費者終端設備,輸入一繳費資料,發送該繳費資料,接收一繳費二維條碼顯示該繳費二維條碼;以及一智慧型行動裝置,掃描顯示之該繳費二維條碼解譯該掃描器掃描之該繳費二維條碼以得到一交易識別鑑值、一全繳費用代碼及一安全碼,發送該交易識別鑑值、該全繳費用代碼及該安全碼,接收一驗證結果,當判斷該驗證結果為正確時發送一發卡行代碼、一發卡行帳號及一交易安全壓碼,接收一繳費完成訊息,顯示該繳費完成訊息。An action payment system, comprising: a payer terminal device, inputting a payment data, transmitting the payment information, receiving a payment two-dimensional barcode to display the payment two-dimensional barcode; and a smart mobile device, scanning and displaying the payment two Transmitting the two-dimensional bar code scanned by the scanner to obtain a transaction identification value, a full payment fee code and a security code, transmitting the transaction identification value, the full payment fee code and the security code, and receiving A verification result, when determining that the verification result is correct, sending a card issuing line code, a card issuing line account number and a transaction security pressing code, receiving a payment completion message, and displaying the payment completion message.

Description

行動繳費系統Mobile payment system

本創作有關於電腦領域,特別有關於一種行動繳費系統。This creation is about the computer field, especially about an action payment system.

全國性繳費平台系統 (以下稱「全國繳費網」) 為民國93年9月由銀行公會主導建置之示範性網站,希望結合金融機構及事業單位,提供民眾即時網上繳費之跨行服務,嗣於94年7月正式上線,並提供即查、即繳、即銷之電子化繳費服務。The National Payment Platform System (hereinafter referred to as the “National Payment Network”) is a demonstration website built by the Banking Association in September 1993. It is hoped that in conjunction with financial institutions and institutions, it will provide people with online services for online payment. It was officially launched in July of 1994 and provides electronic payment services for immediate investigation, payment, and sales.

「全國繳費網」經過10年規劃經營,繳費項目逐漸增加,目前共有12大項、38種費用項目,包括32家信用卡費、5家電信費、7家交通費、11家公共事業費、207家醫療費、314家學雜費等超過1,800家事業單位之繳費項目。After 10 years of planning and operation, the National Payment Network has gradually increased the number of payment items. Currently, there are 12 major items and 38 kinds of expense items, including 32 credit card fees, 5 telecommunications charges, 7 transportation expenses, 11 public utilities fees, and 207. More than 1,800 institutions, including medical expenses and 314 tuition and fees.

全國繳費網目前支援晶片金融卡及活期性帳戶加身分證字號兩種繳費方式,惟囿於安全性考量,活期性帳戶僅限繳納本人所屬的帳單,可繳納費用的項目數量較少。而晶片金融卡雖可支援繳納所有費用項目,但受限於須透過晶片卡元件與讀卡機進行交易,導致使用量較低。The National Payment Network currently supports two types of payment methods: the chip financial card and the current account plus the identity card number. However, due to security considerations, the current account is limited to paying the bill to which the person belongs, and the number of items that can pay the fee is small. While the chip financial card can support the payment of all the expense items, it is limited by the need to trade the chip card component with the card reader, resulting in a lower usage.

有鑑於上述問題,本創作之目的在於提供一種行動繳費系統,金融機構或行動支付業者透過符合規格電子錢包APP介接QR Code平台,於繳費者進行繳費交易時,不受限繳納本人所屬的帳單,亦不受限於須透過晶片卡元件與讀卡機進行交易,而可將交易傳送至全國繳費網,即可提供全國繳費網既有各項費用之繳付服務。In view of the above problems, the purpose of this creation is to provide a mobile payment system. Financial institutions or mobile payment providers can access the QR Code platform through the e-wallet APP that meets the specifications. When the payer conducts the payment transaction, the account is not restricted. The order is not limited to the transaction by the chip card component and the card reader, but the transaction can be transmitted to the national payment network, and the payment service of the national fee network can be provided.

本創作之態樣係提供一種行動繳費系統,其包括: 一繳費者終端設備,其包括: 一輸入裝置,輸入一繳費資料; 一第一處理器,將由該輸入裝置輸入之該繳費資料發送至一繳費網平台,接收該繳費網平台發送之一繳費二維條碼;以及 一螢幕,顯示由該第一處理器接收之該繳費二維條碼;以及 一智慧型行動裝置,其包括: 一掃描器,掃描該螢幕上顯示之該繳費二維條碼; 一第二處理器,解譯該掃描器掃描之該繳費二維條碼以得到一交易識別鑑值、一全繳費用代碼及一安全碼,並將該交易識別鑑值、該全繳費用代碼及該安全碼發送至該二維條碼平台,接收該二維條碼平台發送之一驗證結果,當判斷該驗證結果為正確時經由該二維條碼平台發送一發卡行代碼、一發卡行帳號及一交易安全壓碼至該繳費網平台,接收該二維條碼平台發送之一繳費完成訊息;以及 一觸控螢幕,顯示該第二處理器接收之該繳費完成訊息。The present invention provides a mobile payment system, comprising: a payer terminal device, comprising: an input device, inputting a payment data; a first processor, sending the payment data input by the input device to a payment network platform, receiving one of the payment two-dimensional barcodes sent by the payment network platform; and a screen displaying the payment two-dimensional barcode received by the first processor; and a smart mobile device comprising: a scanner And scanning the payment two-dimensional barcode displayed on the screen; a second processor interpreting the payment two-dimensional barcode scanned by the scanner to obtain a transaction identification value, a full payment fee code, and a security code, and Transmitting the transaction identification value, the full payment fee code and the security code to the two-dimensional barcode platform, and receiving the verification result of the two-dimensional barcode platform, and determining that the verification result is correct, and using the two-dimensional barcode platform Sending a card line code, a card issuing account number and a transaction security pressing code to the payment network platform, receiving the two-dimensional barcode platform to send one payment completion message And a touch screen showing the payment completion message received by the second processor.

為使熟習本創作所屬技術領域之一般技藝者能更進一步了解本創作,下文特列舉本創作之較佳實施例,並配合所附圖式,詳細說明本創作的構成內容及所欲達成之功效。In order to make the present invention more familiar to those skilled in the art to which the present invention pertains, the preferred embodiments of the present invention are listed below, and the composition of the present invention and the desired effect are described in detail in conjunction with the drawings. .

圖1為本創作之行動繳費系統之方塊圖。在圖1中,行動繳費系統包括一繳費者終端設備10及一智慧型行動裝置20。繳費者終端設備10包括一處理器12、一螢幕14及如鍵盤或滑鼠之一輸入裝置16。智慧型行動裝置20包括一處理器22、一觸控螢幕24及一掃描器26。其中,繳費者終端設備10如電腦、筆記型電腦或平板電腦,智慧型行動裝置20如平板電腦或智慧型手機。Figure 1 is a block diagram of the mobile payment system of the creation. In FIG. 1, the mobile payment system includes a payer terminal device 10 and a smart mobile device 20. The payer terminal device 10 includes a processor 12, a screen 14 and an input device 16, such as a keyboard or mouse. The smart mobile device 20 includes a processor 22, a touch screen 24 and a scanner 26. Among them, the payer terminal device 10 is a computer, a notebook computer or a tablet computer, and the smart mobile device 20 is a tablet computer or a smart phone.

繳費者藉由繳費者終端設備10之輸入裝置16輸入如身分證字號或銷帳編號之一繳費資料。繳費者終端設備10之處理器12將由輸入裝置16輸入之繳費資料發送至如為全國繳費網之一繳費網平台30,處理器12接收繳費網平台30發送之為二維條碼之一繳費QR Code。繳費者終端設備10之螢幕14顯示由處理器12接收之繳費QR Code(如圖1所示)。The payer inputs the payment information such as the identity card number or the sales account number by the input device 16 of the payer terminal device 10. The processor 12 of the payer terminal device 10 transmits the payment data input by the input device 16 to the payment network platform 30, which is one of the national payment networks, and the processor 12 receives the payment from the payment network platform 30 as one of the two-dimensional barcodes. . The screen 14 of the payer terminal device 10 displays the payment QR Code received by the processor 12 (shown in Figure 1).

智慧型行動裝置20之掃描器26掃描螢幕14上顯示之繳費QR Code。智慧型行動裝置20之處理器22解譯掃描器26掃描之繳費QR Code以得到一交易識別鑑值、一全繳費用代碼及一安全碼,其中,交易識別鑑值為指示相應繳費者之身分證字號之銷帳編號、繳費類型及繳費金額等資料儲存在繳費網平台30之資料庫(未圖示)中之位置。The scanner 26 of the smart mobile device 20 scans the payment QR Code displayed on the screen 14. The processor 22 of the smart mobile device 20 interprets the payment QR code scanned by the scanner 26 to obtain a transaction identification value, a full payment fee code and a security code, wherein the transaction identification value is indicative of the identity of the corresponding payer. The information such as the sales number of the license number, the type of payment, and the amount of the payment are stored in the database (not shown) of the payment network platform 30.

處理器22將交易識別鑑值、全繳費用代碼及安全碼發送至一QR Code平台40。處理器22接收QR Code平台40發送之一驗證結果,當處理器22判斷該驗證結果為正確時,處理器22發送一發卡行代碼、一發卡行帳號及一交易安全壓碼至QR Code平台40,而由QR Code平台40轉發發卡行代碼、發卡行帳號及交易安全壓碼至繳費網平台30。處理器22接收QR Code平台40發送之一繳費完成訊息。智慧型行動裝置20之觸控螢幕24顯示處理器22接收之繳費完成訊息。The processor 22 sends the transaction identification value, the full payment fee code, and the security code to a QR Code platform 40. The processor 22 receives the verification result sent by the QR Code platform 40. When the processor 22 determines that the verification result is correct, the processor 22 sends a card issuing line code, a card issuing line account number and a transaction security pressing code to the QR Code platform 40. The QR Code platform 40 forwards the issuer code, the issuer account number, and the transaction security code to the payment network platform 30. The processor 22 receives one of the payment completion messages sent by the QR Code platform 40. The touch screen 24 of the smart mobile device 20 displays the payment completion message received by the processor 22.

繳費網平台30根據繳費資料發送交易識別鑑值及全繳費用代碼至QR Code平台40。繳費網平台30將交易識別鑑值、全繳費用代碼及安全碼組譯成繳費QR Code,並將繳費QR Code發送至繳費者終端設備10。The payment network platform 30 sends the transaction identification value and the full payment fee code to the QR Code platform 40 based on the payment information. The payment network platform 30 translates the transaction identification value, the full payment fee code, and the security code group into a payment QR Code, and transmits the payment QR Code to the payer terminal device 10.

QR Code平台40將由繳費網平台30發送之交易識別鑑值及全繳費用代碼以習知第一加密演算法進行計算以得到安全碼,QR Code平台40將安全碼發送至繳費網平台30。QR Code平台40接收智慧型行動裝置20發送之交易識別鑑值、全繳費用代碼及安全碼,並將交易識別鑑值及全繳費用代碼以第一加密演算法進行計算以得到一驗證碼。QR Code平台40比較安全碼與驗證碼是否相同以得到驗證結果,QR Code平台40將該驗證結果發送至智慧型行動裝置20。The QR Code platform 40 calculates the transaction identification value and the full payment fee code sent by the payment network platform 30 by using a conventional first encryption algorithm to obtain a security code, and the QR Code platform 40 transmits the security code to the payment network platform 30. The QR Code platform 40 receives the transaction identification value, the full payment fee code, and the security code sent by the smart mobile device 20, and calculates the transaction identification value and the full payment fee code by using the first encryption algorithm to obtain a verification code. The QR Code platform 40 compares the security code with the verification code to obtain a verification result, and the QR Code platform 40 transmits the verification result to the smart mobile device 20.

繳費網平台30根據交易識別鑑值及全繳費用代碼在繳費網平台30之資料庫中為交易識別鑑值所指示之位置得到銷帳編號、繳費類型、繳費金額及繳費日期,並經由一跨行平台50發送發卡行代碼、發卡行帳號、交易安全壓碼、銷帳編號、繳費類型、繳費金額及繳費日期發送至相應該發卡行代碼之發卡銀行之一發卡行平台60。發卡行平台60驗證該交易安全壓碼無誤後根據發卡行帳號、銷帳編號、繳費類型、繳費金額及繳費日期進行一繳費扣款程序,發卡行平台60完成繳費扣款程序後發卡行平台60經由跨行平台50、繳費網平台30及QR Code平台40發送繳費完成訊息至智慧型行動裝置20。The payment network platform 30 obtains the sales account number, the payment type, the payment amount and the payment date in the database of the payment network platform 30 according to the transaction identification value and the full payment fee code, and through a cross-line The platform 50 sends the issuer code, the issuer account number, the transaction security pressure code, the sales account number, the payment type, the payment amount and the payment date to one of the issuing bank platforms 60 of the issuing bank corresponding to the issuing bank code. The issuing bank platform 60 verifies that the transaction security code is correct, and then performs a payment deduction procedure according to the issuing bank account number, the sales account number, the payment type, the payment amount and the payment date, and the issuing bank platform 60 completes the payment deduction procedure and the issuing bank platform 60 The payment completion message is transmitted to the smart mobile device 20 via the interbank platform 50, the payment network platform 30, and the QR Code platform 40.

發卡行平台60以習知第二加密演算法將發卡行代碼及發卡行帳號進行計算以得到一交易安全壓碼,並將發卡行代碼、發卡行帳號及交易安全壓碼預先內建在智慧型行動裝置20之電子錢包APP中。The issuer platform 60 calculates the issuer code and the issuer account number by using the second encryption algorithm to obtain a transaction security code, and pre-inserts the issuer code, the issuer account number and the transaction security code in the smart type. In the electronic wallet APP of the mobile device 20.

圖2為本創作之行動繳費方法之流程圖。在說明圖2之流程步驟時參考圖1之系統架構。Figure 2 is a flow chart of the action payment method of the creation. Referring to the system architecture of Figure 1, the process architecture of Figure 2 is illustrated.

在圖2中,當繳費者在繳費者終端設備10採用行動繳費時,由繳費者操作繳費者終端設備10以進入如全國繳費網之繳費網平台30,而在繳費者終端設備10之螢幕14顯示全國繳費網之繳費頁面(未圖示),繳費者藉由繳費者終端設備10之輸入裝置16在全國繳費網之繳費頁面輸入如身分證字號或銷帳編號之繳費資料,由繳費者終端設備10之處理器12將輸入裝置16輸入之繳費資料發送至繳費網平台30 (步驟S70)。In Fig. 2, when the payer pays the action payment at the payer terminal device 10, the payer operates the payer terminal device 10 to enter the pay network platform 30 such as the national payment network, and the screen 14 of the payer terminal device 10 The payment page of the national payment network (not shown) is displayed, and the payer inputs the payment information such as the identity card number or the sales account number on the payment page of the national payment network by the input device 16 of the payer terminal device 10, and the payer terminal The processor 12 of the device 10 transmits the payment data input by the input device 16 to the payment network platform 30 (step S70).

由繳費網平台30根據繳費資料發送交易識別鑑值及全繳費用代碼至QR Code平台40 (步驟S72)。其中,交易識別鑑值為指示相應繳費者之身分證字號之銷帳編號、繳費類型及繳費金額等資料儲存在繳費網平台30之資料庫(未圖示)中之位置。The payment identification platform and the full payment fee code are transmitted from the payment network platform 30 to the QR Code platform 40 based on the payment information (step S72). The transaction identification value is stored in the database (not shown) of the payment network platform 30, and the information such as the sales account number, the payment type and the payment amount indicating the identity card number of the corresponding contributor.

由QR Code平台40接收繳費網平台30發送之交易識別鑑值及全繳費用代碼,並將交易識別鑑值及全繳費用代碼以習知第一加密演算法進行計算以得到安全碼,由QR Code平台40將安全碼發送至繳費網平台30(步驟S74)。The QR Code platform 40 receives the transaction identification value and the full payment fee code sent by the payment network platform 30, and calculates the transaction identification value and the full payment fee code by using the conventional first encryption algorithm to obtain the security code, which is QR. The Code platform 40 transmits the security code to the payment network platform 30 (step S74).

由繳費網平台30接收QR Code平台40發送之安全碼,並將交易識別鑑值、全繳費用代碼及安全碼組譯成繳費QR Code,由繳費網平台30將繳費QR Code發送至繳費者終端設備10(步驟S76)。The payment code sent by the QR Code platform 40 is received by the payment network platform 30, and the transaction identification value, the full payment fee code and the security code group are translated into a payment QR Code, and the payment network code is sent by the payment network platform 30 to the payer terminal. The device 10 (step S76).

由繳費者終端設備10之處理器12接收繳費網平台30發送之繳費QR Code。由繳費者終端設備10之螢幕14顯示由處理器12接收之繳費QR Code(步驟S78)。The payment QR Code sent by the payment network platform 30 is received by the processor 12 of the payer terminal device 10. The payment QR Code received by the processor 12 is displayed by the screen 14 of the payer terminal device 10 (step S78).

由智慧型行動裝置20之掃描器26掃描螢幕14上顯示之繳費QR Code。智慧型行動裝置20之處理器22解譯掃描器26掃描之繳費QR Code以得到交易識別鑑值、全繳費用代碼及安全碼,並將交易識別鑑值、全繳費用代碼及安全碼發送至QR Code平台40(步驟S80)。The payment QR Code displayed on the screen 14 is scanned by the scanner 26 of the smart mobile device 20. The processor 22 of the smart mobile device 20 interprets the payment QR code scanned by the scanner 26 to obtain the transaction identification value, the full payment fee code and the security code, and sends the transaction identification value, the full payment fee code and the security code to The QR Code platform 40 (step S80).

由QR Code平台40接收智慧型行動裝置20發送之交易識別鑑值、全繳費用代碼及安全碼,並將交易識別鑑值及全繳費用代碼以第一加密演算法進行計算以得到一驗證碼。由QR Code平台40比較安全碼與驗證碼是否相同以得到一驗證結果,QR Code平台40將該驗證結果發送至智慧型行動裝置20(步驟S82)。Receiving, by the QR Code platform 40, the transaction identification value, the full payment fee code and the security code sent by the smart mobile device 20, and calculating the transaction identification value and the full payment fee code by using the first encryption algorithm to obtain a verification code. . The QR Code platform 40 compares the security code with the verification code to obtain a verification result, and the QR Code platform 40 transmits the verification result to the smart mobile device 20 (step S82).

由處理器22接收QR Code平台40發送之驗證結果,當處理器22判斷該驗證結果為正確時,由處理器22發送內建於電子錢包APP中之一發卡行代碼、一發卡行帳號及一交易安全壓碼至QR Code平台40,而由QR Code平台40轉發發卡行代碼、發卡行帳號及交易安全壓碼至繳費網平台30(步驟S84)。當處理器22判斷該驗證結果為錯誤時,由處理器22將一交易錯誤訊息顯示在觸控螢幕24上,以使繳費者得知此次繳費失敗。The processor 22 receives the verification result sent by the QR Code platform 40. When the processor 22 determines that the verification result is correct, the processor 22 sends one of the issuer codes built into the electronic wallet APP, a card issuer account number, and a The transaction is securely stamped to the QR Code platform 40, and the issuer code, the issuer account number, and the transaction security code are forwarded by the QR Code platform 40 to the payment network platform 30 (step S84). When the processor 22 determines that the verification result is an error, the processor 22 displays a transaction error message on the touch screen 24 to let the payer know that the payment has failed.

由繳費網平台30根據交易識別鑑值及全繳費用代碼在繳費網平台30之資料庫中為交易識別鑑值所指示之位置得到銷帳編號、繳費類型、繳費金額及繳費日期,由繳費網平台30發送發卡行代碼、發卡行帳號、交易安全壓碼、銷帳編號、繳費類型、繳費金額及繳費日期至一跨行平台50,由跨行平台50發送發卡行代碼、發卡行帳號、交易安全壓碼、銷帳編號、繳費類型、繳費金額及繳費日期發送至相應該發卡行代碼之發卡銀行之一發卡行平台60 (步驟S86)。The payment network platform 30 obtains the sales account number, the payment type, the payment amount and the payment date according to the position indicated by the transaction identification value in the database of the payment network platform 30 according to the transaction identification value and the full payment fee code. The platform 30 sends the issuer code, the issuer account number, the transaction security pressure code, the sales account number, the payment type, the payment amount and the payment date to an inter-bank platform 50, and the inter-bank platform 50 sends the issuer code, the issuer account number, and the transaction security pressure. The code, the sales account number, the payment type, the payment amount, and the payment date are sent to one of the issuer banks 60 of the issuer bank corresponding to the issuer code (step S86).

在發卡行平台60驗證所接收之交易安全壓碼無誤後,由發卡行平台60根據發卡行帳號、銷帳編號、繳費類型、繳費金額及繳費日期進行一繳費扣款程序,在發卡行平台60完成繳費扣款程序後由發卡行平台60經由跨行平台50、繳費網平台30及QR Code平台40發送一繳費完成訊息至智慧型行動裝置20。After the issuer platform 60 verifies that the received transaction security code is correct, the issuer platform 60 performs a payment deduction procedure based on the issuer account number, the sales account number, the payment type, the payment amount, and the payment date, on the issuer platform 60. After the payment deduction procedure is completed, the card issuing platform 60 sends a payment completion message to the smart mobile device 20 via the interbank platform 50, the payment network platform 30, and the QR Code platform 40.

智慧型行動裝置20之處理器22接收到包含有銷帳編號、繳費類型、繳費金額及繳費日期之繳費完成訊息時,由智慧型行動裝置20之觸控螢幕24顯示處理器22接收之繳費完成訊息(步驟S88)。When the processor 22 of the smart mobile device 20 receives the payment completion message including the sales account number, the payment type, the payment amount and the payment date, the payment received by the touch screen 24 display processor 22 of the smart mobile device 20 is completed. Message (step S88).

本創作提供一種行動繳費系統,其特點在於金融機構或行動支付業者透過符合規格電子錢包APP介接QR Code平台,於繳費者進行繳費交易時,不受限繳納本人所屬的帳單,亦不受限於須透過晶片卡元件與讀卡機進行交易,而可將交易傳送至全國繳費網,即可提供全國繳費網既有各項費用之繳付服務。This creation provides a mobile payment system, which is characterized in that a financial institution or an action payment provider interfaces to the QR Code platform through the e-wallet APP that meets the specifications. When the payer conducts a payment transaction, it is not restricted to pay the bill to which the person belongs, nor is it It is limited to the transaction with the card reader through the chip card component, and the transaction can be transmitted to the national payment network, which can provide the payment service for the various fees of the national payment network.

雖然本創作已參照較佳具體例及舉例性附圖敘述如上,惟其應不被視為係限制性者。熟悉本技藝者對其形態及具體例之內容做各種修改、省略及變化,均不離開本創作之請求項之所主張範圍。Although the present invention has been described above with reference to preferred embodiments and exemplary drawings, it should not be considered as limiting. A person skilled in the art will be able to make various modifications, omissions and changes to the details of the present invention and the specific examples thereof without departing from the scope of the claims of the present invention.

10‧‧‧繳費者終端設備
12‧‧‧處理器
14‧‧‧螢幕
16‧‧‧輸入裝置
20‧‧‧智慧型行動裝置
22‧‧‧處理器
24‧‧‧觸控螢幕
26‧‧‧掃描器
30‧‧‧繳費網平台
40‧‧‧QR Code平台
50‧‧‧跨行平台
60‧‧‧發卡行平台
10‧‧‧payer terminal equipment
12‧‧‧ Processor
14‧‧‧ screen
16‧‧‧ Input device
20‧‧‧Smart mobile device
22‧‧‧ Processor
24‧‧‧ touch screen
26‧‧‧Scanner
30‧‧‧Payment Network Platform
40‧‧‧QR Code Platform
50‧‧‧Inter-platform platform
60‧‧‧ Issuer Platform

圖1為本創作之行動繳費系統之方塊圖;以及 圖2為本創作之行動繳費方法之流程圖。Figure 1 is a block diagram of the action payment system of the present creation; and Figure 2 is a flow chart of the action payment method of the present invention.

Claims (5)

一種行動繳費系統,其包括: 一繳費者終端設備,其包括: 一輸入裝置,輸入一繳費資料; 一第一處理器,將由該輸入裝置輸入之該繳費資料發送至一繳費網平台,接收該繳費網平台發送之一繳費二維條碼;以及 一螢幕,顯示由該第一處理器接收之該繳費二維條碼;以及 一智慧型行動裝置,其包括: 一掃描器,掃描該螢幕上顯示之該繳費二維條碼; 一第二處理器,解譯該掃描器掃描之該繳費二維條碼以得到一交易識別鑑值、一全繳費用代碼及一安全碼,並將該交易識別鑑值、該全繳費用代碼及該安全碼發送至該二維條碼平台,接收該二維條碼平台發送之一驗證結果,當判斷該驗證結果為正確時經由該二維條碼平台發送一發卡行代碼、一發卡行帳號及一交易安全壓碼至該繳費網平台,接收該二維條碼平台發送之一繳費完成訊息;以及 一觸控螢幕,顯示該第二處理器接收之該繳費完成訊息。An action payment system, comprising: a payer terminal device, comprising: an input device, inputting a payment data; a first processor, sending the payment data input by the input device to a payment network platform, receiving the The payment network platform sends one of the payment two-dimensional barcodes; and a screen displays the payment two-dimensional barcode received by the first processor; and a smart mobile device, comprising: a scanner that scans the display on the screen The payment two-dimensional barcode; a second processor interpreting the payment two-dimensional barcode scanned by the scanner to obtain a transaction identification value, a full payment fee code, and a security code, and identifying the value of the transaction, The full payment fee code and the security code are sent to the two-dimensional barcode platform, and the verification result is sent by the two-dimensional barcode platform. When the verification result is determined to be correct, a card issue code is sent through the two-dimensional barcode platform. The issuing bank account number and a transaction security code are sent to the payment network platform, and the two-dimensional barcode platform is sent to send a payment completion message; and a touch firefly The display of the second processor receives the payment completion message. 如請求項1之行動繳費系統,其中, 該繳費網平台,根據該繳費資料發送該交易識別鑑值及該全繳費用代碼至該二維條碼平台,將該交易識別鑑值、該全繳費用代碼及該安全碼組譯成該繳費二維條碼,並將該繳費二維條碼發送至該繳費者終端設備;以及 該二維條碼平台,將該交易識別鑑值及該全繳費用代碼以一第一加密演算法進行計算以得到該安全碼,並將該安全碼發送至該繳費網平台,將該交易識別鑑值及該全繳費用代碼以一第一加密演算法進行計算以得到一驗證碼,並比較該安全碼與該驗證碼是否相同以得到該驗證結果,而將該驗證結果發送至該智慧型行動裝置。The action payment system of claim 1, wherein the payment network platform sends the transaction identification value and the full payment fee code to the two-dimensional barcode platform according to the payment data, and identifies the transaction value and the full payment fee. Translating the code and the security code group into the payment two-dimensional barcode, and transmitting the payment two-dimensional barcode to the payer terminal device; and the two-dimensional barcode platform, the transaction identification value and the full payment fee code are one The first encryption algorithm performs calculation to obtain the security code, and sends the security code to the payment network platform, and the transaction identification value and the full payment fee code are calculated by a first encryption algorithm to obtain a verification. And comparing the security code with the verification code to obtain the verification result, and transmitting the verification result to the smart mobile device. 如請求項2之行動繳費系統,其中, 該繳費網平台根據該交易識別鑑值及該全繳費用代碼得到一銷帳編號、一繳費類型、一繳費金額及一繳費日期,並經由一跨行平台發送該發卡行代碼、該發卡行帳號、該交易安全壓碼、該銷帳編號、該繳費類型、該繳費金額及該繳費日期至相應該發卡行代碼之一發卡行平台,該發卡行平台驗證該交易安全壓碼無誤後根據該發卡行帳號、該銷帳編號、該繳費類型、該繳費金額及該繳費日期進行一繳費扣款程序,完成該繳費扣款程序後該發卡行平台經由該跨行平台、該繳費網平台及該二維條碼平台發送該繳費完成訊息至該智慧型行動裝置。The action payment system of claim 2, wherein the payment network platform obtains a sales account number, a payment type, a payment amount, and a payment date according to the transaction identification value and the full payment fee code, and passes through a cross-platform platform Sending the issuer code, the issuer account number, the transaction security code, the charge account number, the payment type, the payment amount, and the payment date to one of the issuing bank codes of the corresponding issuing bank code, the issuing bank platform verification After the transaction security code is correct, a payment deduction procedure is performed according to the issuer account number, the sales account number, the payment type, the payment amount and the payment date, and the card issuing platform is executed after the payment deduction procedure is completed. The platform, the payment network platform and the two-dimensional barcode platform send the payment completion message to the smart mobile device. 如請求項3之行動繳費系統,其中,該發卡行平台以一第二加密演算法將該發卡行代碼及該發卡行帳號進行計算以得到該交易安全壓碼,並將該發卡行代碼、該發卡行帳號及該交易安全壓碼內建在該智慧型行動裝置中。The action payment system of claim 3, wherein the issuer platform calculates the issuer code and the issuer account number by a second encryption algorithm to obtain the transaction security pressure code, and the card issuer code, the The issuer's account number and the transaction security code are built into the smart mobile device. 如請求項1之行動繳費系統,其中,該繳費資料包括一身分證字號及一銷帳編號,該交易識別鑑值為指示相應該身分證字號之該銷帳編號、一繳費類型及一繳費金額儲存在該繳費網平台之位置。The action payment system of claim 1, wherein the payment information includes an identity card number and a sales account number, and the transaction identification value is the sales account number indicating the corresponding identity card number, a payment type, and a payment amount. Stored in the location of the payment network platform.
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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI711988B (en) * 2018-03-30 2020-12-01 財金資訊股份有限公司 Mobile payment system and method, computer-readable recording medium and computer program product

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI711988B (en) * 2018-03-30 2020-12-01 財金資訊股份有限公司 Mobile payment system and method, computer-readable recording medium and computer program product

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