TWM597449U - Mobile payment device - Google Patents

Abstract

A mobile payment device including a processor, a storage medium, a transceiver is provided. The storage medium stores a credit card selection rule, a first credit card information, and a second credit card information. The credit card selection rule comprises a first priority corresponding to the first credit card information and a second priority corresponding to the second credit card information. The processor is coupled to the storage medium and the transceiver, wherein the processor receives, via the transceiver, transaction details corresponding to a mobile payment transaction, selects, in response to the first priority is greater than the second priority, the first credit card information from the first credit card information and the second credit card information, and performs the mobile payment transaction according to the selected first credit card information and the transaction details.

Description

Mobile payment device

The disclosure relates to an electronic device, and in particular to a mobile payment device.

At present, there are a variety of credit card products on the market, and accompanied by a variety of different bonus reward conditions, such as spending on a specific channel, binding a specific mobile payment application, or accumulating a specific amount or number of times per month. In addition, the annual fee reduction and exemption conditions of credit cards are also very diverse, such as the cumulative annual consumption or the number of card swipes per year. In addition to the normal bonus rewards, many credit card products will also launch short-term activities to encourage consumers to use the credit card product for consumption.

Based on the above scenarios such as "diversification of credit card rebate conditions, diversification of credit card annual fee reduction conditions and diversification of short-term credit card activities", when consumers hold multiple credit cards, consumers often need to think about how to swipe their cards in order to rebate The dividend is maximized. Therefore, in order to reduce the burden on consumers, it is necessary to propose an electronic device that can automatically determine for consumers how to swipe a card.

The present disclosure provides a mobile payment device that can select one of multiple credit cards for a user to perform a mobile payment transaction under the premise of maximizing the bonus reward.

A mobile payment device disclosed in the present disclosure includes a processor, a storage medium, and a transceiver. The storage medium stores credit card selection rules, first credit card information, and second credit card information. The credit card selection rule includes a first priority corresponding to the first credit card information and a second priority corresponding to the second credit card information. The processor is coupled to the storage medium and the transceiver, wherein the processor receives the transaction details corresponding to the mobile payment transaction through the transceiver, and selects the first credit card information and the second credit card information in response to the first priority being greater than the second priority 1. Credit card information, and perform mobile payment transactions based on the selected first credit card information and transaction details.

Based on the above, the present disclosure can select a credit card for mobile payment transactions according to a credit card selection rule, where the credit card selection rule is associated with the credit card usage priority or consumption category, for example. This disclosure will preferentially choose the credit card that can receive the most bonus rewards for consumption. Therefore, when conducting transactions, consumers no longer need to spend time thinking about how to choose a credit card.

FIG. 1 illustrates a schematic diagram of a mobile payment device 100 according to an embodiment of the present disclosure. The mobile payment device 100 may include a processor 110, a storage medium 120, a transceiver 130, and an input-output device 140. The mobile payment device 100 is, for example, a telephone device, a tablet computer, a radio frequency device, a handheld electronic device or a wearable electronic device, but the disclosure is not limited thereto.

The processor 110 is, for example, a central processing unit (CPU), or other programmable general-purpose or special-purpose micro-control unit (MCU), microprocessor (microprocessor), and digital signal processing (Digital signal processor, DSP), programmable controller, application specific integrated circuit (ASIC), graphics processing unit (GPU), image signal processor (ISP) ), image processing unit (IPU), arithmetic logic unit (ALU), complex programmable logic device (CPLD), field programmable gate array (field programmable gate array) , FPGA) or other similar elements or a combination of the above elements. The processor 110 may be coupled to the storage medium 120, the transceiver 130, and the input/output device 140, and access and execute multiple modules and various application programs stored in the storage medium 120.

The storage medium 120 is, for example, any type of fixed or removable random access memory (RAM), read-only memory (ROM), flash memory (flash memory) , A hard disk drive (HDD), a solid state drive (SSD), or a similar component or a combination of the above components, and is used to store multiple modules or various applications that can be executed by the processor 110. In this embodiment, the storage medium 120 may store credit card selection rules. In addition, the storage medium 120 can also store N pieces of credit card information including the first credit card information and the second credit card information, where N is, for example, any positive integer. Credit card information may include necessary information such as credit card number, expiration date, or security code, etc. that is required for swiping transactions, but this disclosure is not limited to this.

The transceiver 130 transmits and receives signals in a wireless or wired manner. The transceiver 130 may also perform operations such as low noise amplification, impedance matching, frequency mixing, up or down frequency conversion, filtering, amplification, and the like.

The input and output device 140 may include an input device such as a touch screen, a keyboard, a mouse, or an image capturing device, and may include an output device such as a display or a speaker.

The processor 110 can obtain the first credit card details corresponding to the first credit card information and the second credit card details corresponding to the second credit card information through the transceiver 130. The credit card details include, for example, the transaction information of the credit card of this year or this month, but this disclosure is not limited to this. The above transaction information may include, but is not limited to, transaction time, transaction amount, store information, consumption type, available balance, accumulated bonus reward, payment deadline or minimum payable amount, etc.

In an embodiment, the storage medium 120 may store the transaction details after the mobile payment device 100 completes the transaction through the first credit card information or the second credit card information. The processor 110 may obtain or calculate the first credit card details corresponding to the first credit card information and the second credit card details corresponding to the second credit card information through the transaction details stored in the storage medium 120.

In addition, when the user wants to use the mobile payment device 100 to perform a mobile payment transaction, the user can operate the mobile payment device 100 to enable the processor 110 to obtain the transaction details of the mobile payment transaction through the transceiver 130 or the input and output device 140, wherein The transaction details may include but are not limited to the amount of consumption, the type of consumption (such as but not limited to: daily necessities, online shopping, transportation, catering or supermarket), consumption time or store information, etc.

In an embodiment, the processor 110 can receive the transaction details through the transceiver 130. For example, the processor 110 may receive the radio frequency signal transmission device from the store through the transceiver 130 to obtain the transaction details of the mobile payment transaction.

In an embodiment, the processor 110 may receive the transaction details through the input and output device 140. For example, the input and output device 140 is, for example, an image capturing device. The processor 110 may scan the bar code (for example, a two-dimensional bar code) of the store through the input and output device 140 to obtain the transaction details including the store information. For another example, the input-output device 140 is, for example, a touch screen or a keyboard. The user can input the transaction details into the mobile payment device 100 through the input and output device 140.

After obtaining the first credit card details corresponding to the first credit card information, the second credit card details corresponding to the second credit card information, and the transaction details of the mobile payment transaction, the processor 110 may, according to the credit card selection rules, the first credit card details, the second The credit card details and/or transaction details select the first credit card information and/or the second credit card information, and perform the mobile payment transaction according to the selected first credit card information and/or the second credit card information.

In an embodiment, the mobile payment device 100 may conduct mobile payment transactions through inductive payment. Specifically, the processor 110 may select the first credit card information and/or the second credit card information to generate the transaction information according to the first credit card details, the second credit card details, and/or the transaction details of the credit card selection rules, where the transaction information may include digits Payment code (digital payment token). Then, the processor 110 may transmit the transaction information through the transceiver 130 to perform a mobile payment transaction. For example, the processor 110 may transmit the transaction information to the store's signal receiver through the transceiver 130 to perform a mobile payment transaction. The transceiver 130 transmits transaction information through near-field communication (NFC), for example, but the disclosure is not limited thereto.

In an embodiment, the mobile payment device 100 can perform a mobile payment transaction by displaying a barcode (for example, a two-dimensional barcode). Specifically, it is assumed that the input/output device 140 includes a display. The processor 110 may select the first credit card information and/or the second credit card information to generate a two-dimensional barcode according to the first credit card details, the second credit card details, and/or the transaction details of the credit card selection rule. Then, the processor 110 can display a two-dimensional barcode through the input and output device 140 to perform a mobile payment transaction.

Credit card selection rules can be used to determine the credit card information to be used in mobile payment transactions, in order to maximize the bonus rewards of credit cards that users can get. The credit card selection rules can be customized by the user, but the new model is not limited to this.

In one embodiment, the credit card selection rule may include a first priority corresponding to the first credit card information and a second priority corresponding to the second credit card information. When the mobile payment device 100 performs a mobile payment transaction, the processor 110 may determine to select the first credit card information or the second credit card information to perform the mobile payment transaction according to the first priority and the first priority. For example, the processor 110 may preferentially select the first credit card information for mobile payment transactions when both the first credit card information and the second credit card information are available in response to the first priority being greater than the second priority.

In an embodiment, the priority of credit card information may be customized by the user, for example. In another embodiment, the priority of the credit card information may be determined by the processor 110 according to the credit amount of the credit card information, for example. For example, if the first credit card information is used for a mobile payment transaction to obtain a 5% rebate amount, and the second credit card information is used for a mobile payment transaction to obtain a 2% rebate amount, the processor 110 may respond to the corresponding first credit card The rebate amount of the information is greater than the rebate amount corresponding to the second credit card information to define the first priority of the first credit card information and the second priority of the second credit card information, so that the first priority is greater than the second priority.

In one embodiment, the credit card selection rules may include credit card replacement conditions. The processor 110 may reduce the first priority of the first credit card information in response to the matching of the first credit card details of the first credit card information and the credit card replacement condition, so that the second priority of the second credit card is greater than the first priority. In other words, if the processor 110 determines that the first credit card details of the first credit card information meet the credit card replacement conditions, the processor 110 will preferentially select other credit card information instead of using the first credit card information for mobile payment transactions. Credit card replacement conditions can be customized by the user, but the new model is not limited to this.

In one embodiment, the credit card replacement conditions may include a single transaction bonus limit. The single transaction bonus limit can be customized by the user, but the new model is not limited to this. For example, if the bonus reward corresponding to the amount spent by the mobile payment transaction in progress by the mobile payment device 100 reaches (or exceeds) the single transaction bonus limit of the first credit card information, it means that the first credit card information is used to Conducting mobile payment transactions may cause users to lose part of the bonus rewards. Accordingly, the processor 110 can select the second credit card information to perform the mobile payment transaction. Alternatively, the processor 110 may use the first credit card information to pay the amount of the portion of the mobile payment transaction (for example: the amount of bonus corresponding to the first credit card information can be returned to the single transaction bonus limit), and use the second Credit card information to pay the remaining amount of the mobile payment transaction.

In one embodiment, the credit card replacement conditions may include a cumulative transaction bonus cap. The cumulative trading bonus limit can be customized by the user, but the new model is not limited to this. For example, if the bonus payment corresponding to the amount spent by the mobile payment transaction in progress by the mobile payment device 100 will reach (or exceed) the monthly cumulative transaction bonus limit of the first credit card information, it means that the first Credit card information for mobile payment transactions may cause users to lose part of the bonus rewards. Accordingly, the processor 110 can select the second credit card information to perform the mobile payment transaction. Alternatively, the processor 110 may use the first credit card information to pay the amount of the portion of the mobile payment transaction (for example, the bonus corresponding to the first credit card information may be returned to the cumulative transaction bonus limit), and use the second credit card Information to pay the remaining amount of the mobile payment transaction.

In one embodiment, the credit card replacement condition may include the number of card swipes. The number of card swipes can be customized by the user, but the new model is not limited to this. For example, if the number of swipes of the first credit card information has met the conditions for obtaining bonus rewards or annual fee reductions, the processor 110 may select the second credit card information instead of the first credit card information for mobile payment transactions.

In one embodiment, the credit card replacement conditions may include a single swipe amount. The amount of a single swipe can be customized by the user, but the new model is not limited to this. For example, if the first credit card information has met the conditions for obtaining a bonus reward or annual fee reduction in a particular amount of credit card swiping in this month (or this year), the processor 110 may select the second credit card information instead of the first credit card information. Conduct mobile payment transactions.

In one embodiment, the credit card replacement condition may include the accumulated credit card amount. The cumulative credit card amount can be customized by the user, but the new model is not limited to this. For example, if the amount of multiple credit card swipes of the first credit card information in this month (or this year) has met the conditions for obtaining bonus rewards or annual fee reduction, the processor 110 may select the second credit card information instead of the first credit card information. Conduct mobile payment transactions.

In one embodiment, the mobile payment device 100 can support the payment in installments. Specifically, the processor 110 may select the first credit card information and/or the first credit card information to perform the mobile payment transaction by way of installment payment.

In an embodiment, the credit card selection rule may include a first burden amount corresponding to the first credit card information and a second burden amount corresponding to the second credit card information. The first burden amount and/or the second burden amount can be customized by the user, but the present invention is not limited to this. The processor 110 may use the first credit card information to pay the first amount corresponding to the mobile payment transaction according to the first burden amount, and use the second credit card information to pay the second amount corresponding to the mobile payment transaction according to the second burden amount. For example, the credit card selection rule may limit the mobile payment device 100 to use the first credit card information to pay 70% of the amount of a mobile payment transaction, and use the first credit card information to pay 30% of the same mobile payment transaction. Therefore, if the amount of a mobile payment transaction is 100 yuan, the processor 110 may use the first credit card information to pay 70 yuan and the second credit card information to pay 30 yuan.

In one embodiment, the credit card selection rule may include a first number of card swipes corresponding to the first credit card information and a second number of card swipes corresponding to the second credit card information. The first card swiping times and/or the second card swiping times can be customized by the user, but the present invention is not limited thereto. The processor 110 may use the first credit card information to pay the first amount corresponding to the mobile payment transaction multiple times according to the first card swipe times, and use the second credit card information to pay the corresponding actions multiple times according to the second swipe card times The second amount of the payment transaction. In other words, the credit card selection rules may restrict the mobile payment device 100 to use the first credit card information N times (ie: perform N card swipes) to pay part of the amount of a mobile payment transaction, and use the second credit card information M times (ie: to perform M card swipes) to pay another portion of the same transaction payment transaction, where N and M are positive integers. For example, for a single mobile payment transaction, the credit card selection rule may restrict the mobile payment device 100 to use the first credit card information to perform three card swipes to pay 60% of the amount of the mobile payment transaction (ie: 20% for one swipe payment) Amount), and use the second credit card information to perform 4 card swipes to pay 40% of the amount in the mobile payment transaction (ie: 10% for one swipe). Therefore, the present invention can help users quickly accumulate the number of credit card swipes.

In one embodiment, the credit card selection rules may include consumption categories. The consumption category can be customized by the user, but the new model is not limited to this. The processor 110 may select the first credit card information to perform the mobile payment transaction in response to the transaction details and the consumption category corresponding to the first credit card information. For example, it is assumed that the first credit card information can be used to pay for the online shopping category, and the second credit card information can be used to pay for the food and beverage category. The processor 110 may select the first credit card information to perform the mobile payment transaction in response to the transaction details of the mobile payment transaction recording that the mobile payment transaction belongs to the online shopping category.

FIG. 2 illustrates a flowchart of a mobile payment method according to an embodiment of the present disclosure, wherein the mobile payment method may be implemented by the mobile payment device 100 shown in FIG. 1. In step S201, pre-stored credit card selection rules, first credit card information and second credit card information. In step S202, the first credit card details corresponding to the first credit card information and the second credit card details corresponding to the second credit card information are obtained. In step S203, the transaction details of the mobile payment transaction are obtained. In step S204, at least one of the first credit card information and the second credit card information is selected according to the credit card selection rules, the first credit card details, the second credit card details, and the transaction details to perform a mobile payment transaction.

In summary, the present disclosure can select at least one credit card among multiple credit cards for the user to perform a mobile payment transaction, so as to maximize the user's credit card rebate. In the present disclosure, a credit card used for mobile payment transactions can be selected according to a credit card selection rule, where the credit card selection rule is related to, for example, the use priority or consumption category of the credit card. This disclosure will preferentially select the credit card that can receive the most bonus rewards for consumption, and replace the credit card used when the bonus rewards that can be obtained by the credit card reach the upper limit. Therefore, when conducting transactions, consumers no longer need to spend time thinking about how to choose a credit card.

100: mobile payment device 110: processor 120: storage media 130: Transceiver 140: input and output device S201, S202, S203, S204: steps

FIG. 1 is a schematic diagram of a mobile payment device according to an embodiment of the present disclosure. FIG. 2 illustrates a flowchart of a mobile payment method according to an embodiment of the present disclosure.

100: mobile payment device

110: processor

120: storage media

130: Transceiver

140: input and output device

Claims (1)

A mobile payment device, including: transceiver; A storage medium for storing credit card selection rules, first credit card information and second credit card information, wherein the credit card selection rules include a first priority corresponding to the first credit card information and a second corresponding to the second credit card information Priority; and A processor, coupled to the storage medium and the transceiver, wherein the processor receives a transaction detail corresponding to a mobile payment transaction through the transceiver, in response to the first priority being greater than the second priority And the first credit card information is selected from the first credit card information and the second credit card information, and the mobile payment transaction is performed according to the selected first credit card information and the transaction details.

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