TWM590733U - Virtual electronic ticket card transaction system - Google Patents

Abstract

A virtual electronic ticket trading system is to install a dedicated electronic payment application (APP) on an NFC-enabled vehicle, and load a preload file directly after the installation is completed, and another in a system server An additional file corresponding to the vehicle and a special account for the user are stored. After the vehicle executes the electronic payment application (APP), the system server can download an additional file that can be used at least once. The combination of the preloaded files enables the vehicle to form a virtual electronic payment card with a physical card function for direct electronic payment transactions with a point-of-sale (POS) system when the point-of-sale (POS) system completes the deduction In operation, the virtual electronic payment card sends the completed transaction information back to the system server, and the system server responds to the vehicle to end the electronic payment application (APP).

Description

Virtual electronic ticket trading system

This creation is related to a virtual electronic ticket transaction system, especially a transaction system and method that does not require a specific SIM card, does not limit the telecommunication door number, does not limit the credit card, has high transaction security and low dependence on the Internet.

As NFC technology gradually matures, various near-end mobile payment systems using NFC technology are also popularized in the market; the more common ones are:

1. Set the transaction security element in the "TSM" technology of the mobile phone SIM card, which is controlled by a fair third party, and can integrate intermediate data or information exchange to complete the payment.

This kind of TSM technology, because it must replace the special TSM-SIM card of the telecommunications institution, and needs to cooperate with the application of the credit account (credit card) of the financial institution in order to smooth transactions, it is less convenient in promotion and application.

2. The mobile payment system (Apply Pay, SAMSUNG Pay, Android Pay) promoted by each mobile device manufacturer, which is to register the existing credit card online, bind the credit card through the mobile device (mobile phone), and use near field communication (NFC) technology to transmit card information, and use "Tokenization" (credit card number coding) to ensure the security of using credit cards, thereby simplifying the fund transfer process of retailers; the above technical methods can use portable mobile phones or similar electronic communication devices Achieved, without the need to bring a physical credit card, the credit card number will not be recorded during the transaction (the credit card information will not be stored in the store and the device), and you can pay immediately without a signature.

This technology has different service contents provided by each mobile device manufacturer, and the applicable countries are also different. Consumers need to download and register multiple operating systems at the same time to use.

3. Through the "Token" technology, the secure element is placed in the cloud "HCE" technology. During the transaction, the mobile phone sends out a set of virtual card numbers and keys, after confirmation, decoding, transaction, code making, etc. A series of actions to complete induction transactions. Users of this technology do not need to replace the SIM card, nor are they limited to telecommunications companies. They only need to load the card through over-the-air download (OTA) to make mobile payment through the NFC function.

The above-mentioned "HCE" technology is the mobile payment made by the host in the cloud emulation chip. There is no need to add a secure element to the mobile phone, so the mobile phones and devices that can be used are more diverse and can be opened; the advantages are not Need to change SIM card, unlimited telecommunication door number, no need to apply for new credit card, one machine can bind multiple cards and use virtual card number transaction security is high, but its application is still to simulate the use of credit card and related follow-up operation methods, And its high dependence on the network is the main disadvantage.

In view of the above-mentioned shortcomings in the practice of using near field communication (NFC) technology in near-end mobile payment systems, the creators researched and improved these shortcomings and finally produced this creation.

The main purpose of this creation is to provide a virtual electronic ticket trading system, which mainly includes: a vehicle, a system server and a point of sale (POS) system; wherein the vehicle is installed with a dedicated electronic payment application ( APP), you can directly load some preloaded files (such as: SF, Keys), the system server stores a pair of additional files that should be carried by the vehicle (such as: PF including available balance information); when the vehicle After executing the electronic payment application (APP), the system server can be connected via the Internet to download an additional file that is used at least once, the additional file can be combined with the pre-loaded file, and the vehicle is formed into an entity Cards (such as leisure cards) function as virtual electronic payment cards. The virtual electronic payment cards can directly conduct small-value electronic payment transactions with the point of sale (POS) system through the NFC function. Electronic payment transactions for physical cards (e.g. leisure cards) The cards are the same, so the current related equipment can be used to reduce the cost of use, and since each use, the vehicle can directly load most of the pre-loaded files, and only need to download a small number of additional files for one-time use, so it can be Effectively reduce the degree of dependence on the Internet.

Another purpose of this creation is to provide a method of applying the aforementioned virtual electronic ticket trading system, which stores the user’s available balance and other relevant important data (that is, the additional file) in the cloud system server, only for each Provides one-time download before use, so it can effectively reduce the possibility of tampering with important data, has excellent transaction security, and does not require the replacement of a specific SIM card or limit the telecommunications door number and credit card in its application, which is easier Promotion.

In order to achieve the above purpose and effect, the technical means adopted in this creation include: a virtual electronic ticket trading system, at least including: a vehicle with NFC function, with a central processor, a memory, in the memory A dedicated electronic payment application (APP) and preloaded files that can be loaded into the central processor are stored in the body; a system server is connected to the vehicle via the Internet and is in the system server It stores the special account created by the vehicle for electronic payment, and a pair of additional files that should be included in the vehicle. The additional file contains important information such as the balance available in the special account. When the vehicle executes the electronic payment application ( APP), the system server can download an additional file that can be used at least once, and the additional file is combined with the preload file to make the vehicle form a virtual electronic payment card with a physical card function; The point-of-sale (POS) system is connected to the virtual electronic payment card via NFC to perform electronic payment transactions.

According to the above structure, the additional file is an encrypted additional file.

According to the above structure, the vehicle is an NFC-enabled mobile communication device.

According to the above structure, the vehicle is provided with an identity recognition module for fingerprint or face recognition.

According to the above structure, the vehicle is provided with an input and display module for inputting a password.

The technical means adopted in this creation also include: a method of applying the above virtual electronic ticket trading system, at least in sequence: a "Use an NFC-enabled vehicle to download a dedicated electronic payment application (APP), And follow the instructions to establish the user's relevant usage mechanism" step, which uses NFC-enabled vehicles to connect to the system server for downloading and installing a dedicated electronic payment application (APP), and during the installation process, the Create a special account for users to make electronic payments in the system server; a step of "the vehicle directly loads some preloaded files" is after the installation of the electronic payment application (APP) is completed, which will correspond to the user The pre-loaded file of the dedicated account is directly loaded into the memory of the vehicle; a step of "execute an electronic payment application (APP) on the vehicle before proceeding with the electronic payment transaction"; a "the vehicle sends a transaction request To the system server" step; a "system server returns an additional file that can be used at least once" step, the system server sends an additional file that can be used at least once to the central processing unit (CPU) of the vehicle ), the additional file contains information such as the balance available in the user’s private account; a step of "the vehicle receives the additional file and combines it with the pre-loaded file to form a virtual electronic payment card" by The vehicle's central processing unit (CPU) receives the additional file and combines it with the pre-loaded file, and then activates the NFC function to make the vehicle form a virtual electronic payment card; an "electronic payment" program, sold by The POS system proposes a deduction request and transaction amount, and the virtual electronic payment card responds to complete the deduction; a "virtual electronic payment card sends the above transaction deduction content to the system server" step; one " The "system server responds to the transaction completion message" step is that the system server responds to a transaction completion message to the vehicle; a "vehicle ends the electronic payment application (APP)" step, the vehicle ends the electronic payment application Program (APP) to uninstall the pre-loaded file and the attached file is invalid.

According to the above method, the additional file is set for single-stage consumption and can be limited by the effective use time and the number of deductions.

According to the above method, wherein the attached file is encrypted by the system server before sending; and the encrypted attached file is decrypted by the vehicle using the electronic payment application (APP), and then compared with the preloaded file Combine.

According to the above method, wherein the transaction information includes a single consumption amount, the single consumption amount can be deducted from the user's dedicated account by the system server.

According to the above method, wherein the transaction information includes the balance after the single consumption amount is deducted by the vehicle through the electronic payment application (APP).

According to the above method, the "electronic payment" procedure includes, in order: a step of "sales point (POS) system requires reading authentication data"; a step of "virtual electronic payment card responds to the point of sale (POS) system request"; A step of "a point of sale (POS) system requests a deduction amount"; and a step of "virtual electronic payment card response to complete deduction".

According to the above method, the authentication data is a pre-loaded file and an additional file in the vehicle.

According to the above method, after the system server receives the transaction request sent by the vehicle, it first executes a "confirm user account is valid" procedure to check the credit status of the user's dedicated account, which can meet the basic usage requirements condition.

According to the above method, the "confirm user account is valid" procedure includes: a "system server confirms whether the user meets the usable conditions" step, which is performed by the system server before the first use or after each use Automatically check whether the balance in the user's dedicated account meets the basic conditions for use, if it is positive "Y", then continue with the following steps; if it is negative "N", then perform a "system server temporarily stop service" step , Wait for the user's dedicated account to deposit the working amount, and then continue with the following steps.

According to the above method, in the process of creating a dedicated account for the user, it is also agreed that the financial account of the financial institution that can be linked when the balance of the dedicated account is insufficient, when the system server views When the balance in the user’s dedicated account is insufficient, a predetermined amount can be automatically withdrawn from the financial account linked to the financial institution and deposited into the dedicated account.

According to the above method, the single communication gate number setting of the vehicle is for a single dedicated account.

According to the above method, in the process of installing the dedicated electronic payment application (APP), the user's identification method needs to be set, and before the step of "the vehicle directly loads part of the preloaded file" is executed, A "user identification is correct" step to confirm the user's identity is correct through the above identification method.

In order to obtain a more specific understanding of the above purposes, functions and features of this creation, the following drawings are explained as follows:

1‧‧‧ vehicle

11‧‧‧Central Processing Unit (CPU)

12‧‧‧Memory

121‧‧‧Electronic Payment Application (APP)

122‧‧‧ Preloaded files

13‧‧‧Input and display module

14‧‧‧Identification module

2‧‧‧System server

21‧‧‧ Attached file

22‧‧‧Dedicated account

3‧‧‧Internet

4‧‧‧point of sale (POS) system

A‧‧‧Confirm user account is valid

B‧‧‧Electronic payment

S11‧‧‧ Install a dedicated electronic payment application (APP) on an NFC-enabled vehicle and follow the instructions to establish the user’s relevant usage mechanism

S12‧‧‧The vehicle directly loads some preloaded files

S13‧‧‧Before conducting the electronic payment transaction, execute the electronic payment application (APP) on the vehicle in advance

S14‧‧‧ Confirm the user's identity is correct

S15‧‧‧The vehicle sends a transaction request to the system server

S16‧‧‧The system server confirms whether the user meets the usable conditions

S17‧‧‧The system server is temporarily out of service

S18‧‧‧ system server returns an additional file that can be used at least once

S19‧‧‧The vehicle receives the additional file and combines it with the preloaded file to form a virtual electronic payment card

S20‧‧‧ Point-of-sale (POS) system requires reading authentication data

S21‧‧‧Virtual electronic payment card responds to the requirements of the point of sale (POS) system

S22‧‧‧ Point-of-sale (POS) system proposes a request for deduction amount

S23‧‧‧ Virtual electronic payment card responds to complete deduction

S24‧‧‧Virtual electronic payment card sends the above transaction deduction content to the system server

S25‧‧‧ system server responds to transaction completion message

S26‧‧‧vehicle end electronic payment application (APP)

Figure 1 is a block diagram of the system structure of this creation.

Figure 2 is a schematic diagram of the system used in this creation.

Figure 3 is a flow chart of an implementation method of this creation.

Please refer to Figures 1 and 2, we can see that the transaction system of this creation mainly includes: vehicle 1, system server 2 and point-of-sale (POS) system 4; the vehicle 1 and the system server 2 The system can be connected via the Internet 3, and the vehicle 1 and the point of sale (POS) system 4 can be connected via the NFC function.

In practical applications, the carrier 1 can be a mobile communication device with NFC function (such as a mobile phone), which has at least a central processing unit (CPU) 11, a memory 12, an input and display module 13 (Eg touch screen) and an identity recognition module 14, when the vehicle 1 is installed with a dedicated electronic support After paying the application program (APP) 121, a preload file 122 is loaded into the memory 12 (in the case of a leisure card, the preload file 122 may be SF, Keys, etc.).

The system server 2 can be used by the vehicle 1 to create a dedicated account 22 for electronic payment, and after the dedicated account 22 is activated, a pair of additional files 21 should be stored for the vehicle 1 (take the leisure card as an example, The additional file 21 may be a PF file); in practical applications, the additional file 21 includes important information such as the available balance in the dedicated account 22 corresponding to the vehicle 1.

Please refer to Figure 3, we can see that the above-mentioned transaction system created in this application can be executed in sequence: 1. "Install a dedicated electronic payment application (APP) on an NFC-enabled vehicle and create it according to the instructions. User's related usage mechanism" step S11, a "vehicle directly loads some preloaded files" step S12, and a "execute an electronic payment application (APP) on the vehicle before performing an electronic payment transaction" S13 Steps, a "user identification is correct" step S14, a "vehicle sends a transaction request to the system server" step S15, a "confirm user account is valid" A process, a "system server return one can at least "Single-use additional file" step S18, a "vehicle receives the additional file and combines with the preloaded file to form a virtual electronic payment card" step S19, an "electronic payment" B program, a "virtual The electronic payment card sends the above transaction deduction content to the system server" step S24, a "system server responds to the transaction completion message" step S25, and a "vehicle end electronic payment application (APP)" step S26; Each of the above steps will be explained with reference to the system structure in Figures 1 and 2 respectively: The "Install a dedicated electronic payment application (APP) on an NFC-enabled vehicle and establish the user's relevant usage mechanism according to the instructions" step S11: Use the NFC-enabled vehicle 1 to connect via the Internet 3 Online system server 2 for downloading and installing the dedicated electronic payment application (APP) 121. During the installation of the electronic payment application (APP) 121, the system server 2 can be established according to the operation instructions. Special account 22 for users to make electronic payments (for easy management and control, the communication gate number of the single carrier 1 can be set to be used only by the single special account 22), and the identification method (available (The preset input and display module 13 on the vehicle 1 inputs a password, or uses the identity recognition module 14 for fingerprint or face recognition).

The "carrier directly loads some preloaded files" step S12: after the installation of the electronic payment application (APP) 121 is completed, the preloaded files 122 corresponding to the user's special account 22 (such as a leisure card) SF, Keys, etc. files) are loaded into the memory 12 of the vehicle 1.

The "Before performing an electronic payment transaction, execute the electronic payment application (APP) on the vehicle in advance" step S13: before each transaction, the above-mentioned electronic payment application must be executed on the vehicle 1 in advance (APP)121.

The "confirm user identity is correct" step S14: after executing the electronic payment application (APP) 121, the vehicle 1 uses the default input and display module 13 (input password) or the identity recognition module 14 (fingerprint Recognition, face recognition) to further confirm that the user's identity is correct.

The "vehicle sends a transaction request to the system server" step S15: the central processing unit (CPU) 11 of the vehicle 1 transmits a transaction request to the system server 2 via the Internet 3.

The "confirm user account is valid" procedure A: after the system server 2 receives the transaction request, it checks the credit status of the user's dedicated account 22 to confirm that the user's dedicated account 22 can be used Basic conditions.

In a feasible embodiment, the "confirm user account is valid" A procedure may include: a "system server confirms whether the user meets the usable conditions" S12 judgment step, which is before the first use, or each use After that, the system server 2 automatically checks the balance and credit status of the user's special account 22. Under normal circumstances, the balance of the special account 22 must be higher than a preset amount, but there are many single-stage consumption must Continuous deductions (for example: deduction of multi-segment fares by bus, a basic fare is deducted when getting on the bus, and the remaining difference is deducted when getting off, so multiple deductions occur), so In actual application, temporary situations in which the balance is less than the preset amount or negative value are allowed between consecutive deductions.

If the above judgment is positive "Y", then continue with the following steps; if the judgment is negative "N", then execute a "System Server Temporary Stop Service" step S17, the system server 2 temporarily stops the service, and can The vehicle 1 sends a message informing the user that the value must be stored. The user can store the value through cash or a virtual account to ensure that the user’s private account 22 maintains a higher amount than the preset amount, and then the system server 2 can Remove the service stop status, and then continue with the following steps.

In practical application, you can also establish the financial account of the financial institution that can be linked to when the balance of the special account 22 is insufficient in the process of creating the special account 22 of the user, and execute the "system server to confirm whether the user In the process of step "S16", when the system server 2 checks that the balance in the user's private account 22 is insufficient, the financial account linked to the financial institution can automatically withdraw a preset amount and deposit it in the private account Account 22.

The "system server returns an additional file that can be used at least once" step S18: the system server 2 transmits an additional file 21 (such as the PF file of the leisure card) to the central processing unit (CPU) of the vehicle 1 )11. The attached file 21 contains important information such as the balance available in the user’s dedicated account 22, and since the balance in the dedicated account 22 may change at any time, the attached file 21 is set to only a single stage Consumer use.

In general, the single-stage consumption system is defined as a single consumption deduction, but in actual application, there are many continuous consumption deductions (for example: rapid transit bus or Ubike) can also be regarded as a broad single-stage consumption ; Therefore, the additional file 21 can be limited by the effective use time and the number of deductions, so that it can meet the above-mentioned single-stage consumption deduction requirements.

The "vehicle receives the additional file and combines it with the preloaded file to form a virtual electronic payment card" step S19: after the vehicle 1 receives the additional file 21, its central processing unit (CPU) 11 Using the electronic payment application (APP) 121 to combine the additional file 21 with the preloaded file 122, and then activate the NFC function, the vehicle 1 can be formed into a virtual electronic payment card with a physical card function.

In practical applications, the additional file 21 can be encrypted by the system server 2 as needed, and the vehicle 1 can decrypt the additional file via the central processing unit (CPU) 11 using the electronic payment application (APP) 121 21, and then combined with the pre-loaded file 122.

The "Electronic Payment" B program: The point of sale (POS) system 4 proposes the deduction request and amount, and the virtual electronic payment card responds to complete the deduction; in the application method of this creation, the "electronic payment" The B program has exactly the same usage mode and function as the general physical card.

In a feasible embodiment, the "Electronic Payment" B program may sequentially include: a "Point of Sale (POS) system requires reading authentication data" step S20, and a "Virtual Electronic Payment Card to respond to the point of sale (POS ) System requirements" step S21, a "point of sale (POS) system proposes a requested deduction amount" step S22 and a "virtual electronic payment card response to complete deduction" step S23.

The "point of sale (POS) system requires reading authentication data" step S20: the point of sale (POS) system 4 proposes to read the authentication data on the virtual electronic payment card (ie the preloaded file 122 in the vehicle 1) , Additional files 21, etc.).

The "virtual electronic payment card responds to the request of the point of sale (POS) system" step S21: the virtual electronic payment card determines and confirms that the request reading operation of the point of sale (POS) system 4 is allowable (prevent Subject to misreading or interference by nearby non-related NFC card readers), and then return to the authentication information required by the point of sale (POS) system 4.

The "point-of-sale (POS) system proposes a requested deduction amount" step S22: the point-of-sale (POS) system 4 proposes a requested amount of deduction to the virtual electronic payment card.

The "virtual electronic payment card responds to complete deduction" step S23: the virtual electronic payment card is returned to the point of sale (POS) system 4 to allow the deduction request.

The "virtual electronic payment card sends the above transaction deduction content to the system server" step S24: after completing the "electronic payment" B process, the vehicle 1 will transfer the transaction information (such as: consumption content, time, Single consumption amount or balance amount) is sent back to the system server 2.

In actual application, the transaction information includes the single consumption amount, and the system server 2 can deduct the single consumption amount from the user's dedicated account 22; or the transaction information includes the vehicle 1 via the The balance of the electronic payment application (APP) 121 after deducting the single consumption amount.

The "system server responds to the transaction completion message" step S25: after the system server 2 receives the above transaction content, it updates the balance and related information in the user's private account 22, and responds to a transaction with the above transaction content The transaction completion message is sent to the virtual electronic payment card (vehicle 1).

In actual application, the vehicle 1 can display the completed transaction content at the same time through the preset input and display module 13 so that the user can more clearly grasp the consumption status of the dedicated account 22.

The "vehicle end electronic payment application (APP)" step S26: the vehicle 1 ends the electronic payment application (APP) 121 to uninstall the pre-loaded file 122, and the additional file 21 becomes invalid.

Based on the above, the transaction system for creating virtual electronic ticket cards can indeed achieve the convenience of use, high transaction security, and low dependence on the Internet. It is actually a novel and progressive creation. Apply for a new type of patent; however, the above description is only for the description of the preferred embodiment of this creation. Any changes, modifications, changes or equivalent replacements based on the technical means and scope of this creation should also fall into Within the scope of the patent application for this creation.

1‧‧‧ vehicle

11‧‧‧Central Processing Unit (CPU)

12‧‧‧Memory

121‧‧‧Electronic Payment Application (APP)

122‧‧‧ Preloaded files

13‧‧‧Input and display module

14‧‧‧Identification module

2‧‧‧System server

21‧‧‧ Attached file

22‧‧‧Dedicated account

3‧‧‧Internet

4‧‧‧point of sale (POS) system

Claims (5)

A virtual electronic ticket trading system, at least including: a carrier with NFC function, a central processor, a memory, a dedicated electronic payment application (APP) stored in the memory and available for loading A preloaded file in the central processor; a system server connected to the vehicle via the Internet, the system server stores the vehicle to create a dedicated account for electronic payment, and a pair of An additional file that should be carried by the vehicle. The additional file contains important information such as the balance available in the dedicated account. When the vehicle executes the electronic payment application (APP), the system server can download one for at least one use Additional file, the additional file is combined with the pre-loaded file to make the vehicle form a virtual electronic payment card with a physical card function; a point-of-sale (POS) system uses NFC and the virtual electronic payment card Connected to make electronic payment transactions. The virtual electronic ticket trading system as described in item 1 of the patent application scope, wherein the additional file is an encrypted additional file. The virtual electronic ticket trading system as described in item 1 or 2 of the patent application scope, wherein the vehicle is an NFC-enabled mobile communication device. For example, in the virtual electronic ticket trading system described in item 3 of the patent application scope, the vehicle is equipped with an identity recognition module for fingerprint or face recognition. For example, the virtual electronic ticket trading system described in item 3 of the patent application scope, wherein the vehicle is provided with an input and display module for entering a password.

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