CN104715361A - Mobile device paying system and method - Google Patents
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- CN104715361A CN104715361A CN201310722527.0A CN201310722527A CN104715361A CN 104715361 A CN104715361 A CN 104715361A CN 201310722527 A CN201310722527 A CN 201310722527A CN 104715361 A CN104715361 A CN 104715361A
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Abstract
The invention discloses a mobile device paying system and method. A shop authentication module is provided, automatic judgment can be carried out according to operation of a user, and specific shop authentication information is obtained and displayed on a mobile device to be verified by a shop or service provider.
Description
Technical field
The present invention relates to a kind of mobile device charging system and method, particularly the charging system of a kind of combined with intelligent mobile phone and two-dimensional bar code and method.
Background technology
Along with the universalness of smart mobile phone, utilize smart mobile phone and other intelligent mobile devices online shopping, become the new trend of industry.Financial circles interface is to this epoch-making change, and corresponding proposition mobile payment mechanism, makes consumer utilize intelligent mobile device to complete charge, thus online shopping is incorporated in single mobile appliance system with paying.
For realizing this object, existing dealer proposes multinomial patented method.Such as, Taiwan Patent publication 2007-25459 i.e. open " a kind of use mobile phone completes credit card and moves payment authentication method ", and consumer, after online store shopping, inputs credit card number, date of expiration, the amount of money and contractor's code name voluntarily on mobile phone.Payment information tosses about in bed to be sent to from mobile phone the trading server that telecommunication operator and bank authorize.Merchant bank is sent to after completing certification.This kind of mechanism easily causes the danger of input error and leakage of personal information and credit card information.
Taiwan Patent publication 200816068 relates to " a kind of method using hand-hold communication device as transact payment instrument ", when consumer checks out, dials mobile phone and to pay the bill platform to third party, provide the information such as its authentication, procurement value and shop code name.Notify shop after payment platform completes certification, shop confirms to payment platform again, completes transaction.This method of commerce formality is loaded down with trivial details, and also has the danger of leakage of personal information and credit card information.
No. I291825th, Taiwan patent of invention open " a kind of completed the application process of swiping the card or transferring accounts by mobile phone with note ", after consumer inputs the information such as card number, date, the amount of money, shop code on mobile phone, mobile phone is sent to shop with short message mode.Bank is passed to after obtaining information in shop, to complete transaction.This kind of method easily causes input error, and has the danger of leakage of personal information and credit card information.
No. I400929, Taiwan patent of invention proposes a kind of " using mobile phone and electronic tag as the application architecture of services pay and method thereof ", utilizes mobile phone to read the electronic tag of shopping goods or service, produces payment picture and supply holder to authorize paying.The supplier of notice commodity or service after payment completes, completes charge.This method comparatively before technical progress, but easily there is forged credit card number or forge the problem of electronic tag.
No. M364921, Taiwan new patent proposes a kind of " portable two-dimensional bar code transaction system ", and the image capturing unit utilizing mobile phone to read obtains two-dimensional bar code image.The application software of mobile phone goes out to encrypt golden key data and commodity transaction data from two-dimensional bar code video recording analysis.User produces encryption fund and pays data after inputting fund payment data, with commodity transaction data transmission to multiple Remote Transaction server.This patent focuses on data encryption and transmission, the certification of not commodity transaction and disposal route.
Above and other various mobile device charging system and methods, all attempt to provide a kind of easy to use, and can transaction security be guaranteed and prevent the charging system that credit number and personal information leak.But from its result, and the demand cannot be met completely.
Summary of the invention
Therefore, the object of this invention is to provide a kind of easy-to-use, can guarantee that certification is correct, and the mobile device charging system preventing consumer credit card card number and personal information from leaking and method.
According to mobile device charging system of the present invention, being to provide one can such as application software form, is based upon mobile device, the charging system particularly in intelligent mobile device.This mechanism provides a kind of store authentication module, can according to the operation of user, automatic decision, obtains specific store authentication information, is presented at this mobile device, for commodity or ISP's checking.This store authentication information with the cognizable form display of human sensory, such as, with specific image, word, animation, sound or its combination, can be presented at image or the voice output of this mobile device, verifies for shop side.
The input media that mobile device charging system of the present invention utilizes mobile device itself to possess and its communication ability, provide the input function of consumption information; Utilize powerful storage capacity and the high-speed computation ability of certificate server, carry out certification.And with special store authentication module, guarantee the confidentiality of correctness and the data verified.Realize easy-to-use, checking is correct and prevent objects such as divulging a secret.
Mobile device payer rule of the present invention is to provide store authentication step, provides shop authentication information to mobile device, is presented at its image or voice output, verify for shop side by certificate server.Omit loaded down with trivial details certification, verification step in this way, guarantee the confidentiality of correctness and the data verified simultaneously.
Following foundation illustrates the preferred embodiment of mobile device charging system of the present invention and method.But for the explanation of preferred embodiment, be intended to, with example, various example of the present invention is described.The scope of the claims of the present invention, must limit with claim.
Accompanying drawing explanation
Fig. 1 represents the system diagram of mobile device charging system of the present invention.
Fig. 2 represents the store authentication modular system figure being useful in embodiments of the invention.
Fig. 3 is mobile device payment methods process flow diagram of the present invention.
Reference numerals list
10 mobile devices
11 information recognition devices
12 display device
13 store authentication modules
14 information accumulation devices
15 comparison devices
16 Wiring devices
20 shop end representative information generators
30 certificate servers
41 mobile communication networks or local area network system
42 world-wide webs
Embodiment
Fig. 1 represents the system diagram of mobile device charging system of the present invention.Mobile device charging system shown in figure mainly comprises mobile device 10, shop end representative information generator 20 and certificate server 30.Wherein, this mobile device 10 is mobile Internet access device, and comprises information recognition device 11, display device 12 and store authentication module 13.
As is generally known mobile Internet access device 10 can be smart mobile phone usually, can mobile communication network or local area network system 41 be passed through, be wired to world-wide web 42, and realize line with this certificate server 30.Or by means of only mobile communication network 41, realize line with this certificate server 30.This mobile Internet access device 10 also can be the Internet device such as panel computer, personal digital assistant, and by local area network system 41, is wired to world-wide web 42, and realizes line with this certificate server 30.The framework of this mobile Internet access device 10, element and function, known to industry, need not describe in detail, but for realizing object of the present invention, this mobile Internet access device 10 must comprise information recognition device 11 and display device 12.This information recognition device 11 can be the image input device that mobile Internet access device 10 is equipped with itself, such as camera model, or acoustic input dephonoprojectoscope, such as microphone.In preferred embodiment of the present invention, this information recognition device 11 is the camera model being equipped with image recognition function, can obtain digitized image, utilize image identification software to target item, such as optical character identification (OCR) software, converts the digital information of required form to by digitized image.In addition, utilize microphone to obtain digitized voice string, via voice recognition software, convert the digital information of required form to, also belong to feasible.This image identification software or voice recognition software, all belong to industry known technology, and the industry personage is not difficult self-developing or use commercial software technology, the recognition function needed for realization.Detailed technology details, namely needn't elaborate any further at this.As for this display device 12, then the standard being generally mobile Internet access device 10 is equipped with, for showing specific image.In some examples of the present invention, this display device 12 is sound play device, such as loudspeaker or earphone.In addition, in certain embodiments, this display device 12 is the combination of image display and sound play device.
As previously mentioned, the most important feature of the present invention, is to provide a kind of store authentication module 13, can according to the operation of user, automatic decision, obtains specific store authentication information, is presented at this mobile device, for commodity or ISP's checking.In preferred embodiment of the present invention, this store authentication module 13, mainly with the form of application software (APP), builds in mobile Internet access device 10.This store authentication module 13 can after user's calling, obtain user to obtain with information recognition device 11 and the shop end representative information changing gained, search corresponding certificate server 30, so that specific user's information is sent to this certificate server 30, carry out certification for this certificate server 30.
For realizing this object, so shop of the present invention end representative information generator 20 is arranged to produce specific shop end representative information.This shop end representative information generator 20 can be the device that any generation represents the information of certain shops, such as video display, Audio Players, signal generator, or is medium merely, for display graphics.As being video display, then can be computer display screen curtain, mobile phone screen or any display screen.As being Audio Players, then can be loudspeaker or other sonorific devices, be even human body, for sending specific sound.As being signal generator, be preferably wireless signal transmission chip, such as electronic tag.As being the medium for display graphics, can be then the object of record special pattern, such as billboard, nameplate or paper etc., can be even animals or humans health, for representing given pose or other biological information, such as fingerprint, iris, palmmprint, the shape of face etc.In preferred embodiment of the present invention, this shop end representative information generator 20 can be note down the paper of specific two-dimensional bar code or vertical board.For photographing for information recognition device 11 or scan, obtain the digitized image of this two-dimensional bar code.In other embodiments, this information recognition device 11 obtains this video display, Audio Players, signal generator, or figure shown by medium and/or sound, converts required digitized format to.This video display, Audio Players, signal generator is obtained with above-mentioned device and method, or the technology or electronic tag detecting device etc. of figure shown by medium and/or digitized sound archives, also belong to known technology.Also needn't elaborate any further at this.
After this information recognition device 11 obtains the digital archive of this shop end representative information, namely according to predetermined method, this digital archive is identified.Such as, if this digital archive is two-dimensional bar code, then utilize optical image recognition technology, change into a string code corresponding to this two-dimensional bar code.If this digital archive is word image, then utilize optical image recognition technology, a string code corresponding to conversion.If this digital archive is figure, then utilize optical image recognition technology, change into corresponding vector graphics.As being biological information, then utilizing optical image recognition technology, changing into corresponding biological information and describing shelves, such as unique point or proper vector shelves.As being a string sound, then utilizing speech recognition technology, changing into corresponding Word message or other describe shelves.As being a string image, then utilizing image recognition technology, changing into corresponding description shelves.The result of gained, is supplied to this store authentication module 13 and processes.
Fig. 2 represents the store authentication modular system figure being applicable to embodiments of the invention.Following framework and the identifying procedure that store authentication module 13 of the present invention is described according to Fig. 2.Store authentication module 13 shown in Fig. 2, comprises information accumulation device 14, is used for storing the transaction information needed of most pen.This information comprises: the consumption voucher that the coupon number that specific credit card number, manufacturer issue, bank or shop are issued or gift token are numbered or code, and other certificates that can be used for paying, supporting expense or preferential treatment demonstrate,prove numbering or code name.In addition, and storage respectively this card number, certificate card numbering or the necessary information corresponding to code, the information such as such as trade name, code name, remaining sum.
This store authentication module 13 is separately equipped with comparison device 15, for the transaction information needed stored by the recognition result that provided by this information recognition device 11 and this information accumulation device 14, compares.Such as, when this shop end representative information is two-dimensional bar code, store number or code name is included.This comparison device 15, namely in wherein extracting this store number or code name, with the transaction information needed comparison stored by this information accumulation device 14, takes out one or several the information corresponding with this numbering or code name.For example, as this transaction information needed comprise this shop the reward voucher issued, then extract numbering and the offers content of this reward voucher.As only comprised this store number or code name in this transaction information needed, then extract numbering or the code name in this shop.As do not comprised any corresponding information in this transaction information needed, then not information extraction.This comparison device 15 is separately equipped with selection function, comparison result to be presented at this display device 12, selects the pattern that will perform for user.Such as, after comparison obtains a coupon information, to extract in this information accumulation device 14 stored one or many credit card number and hair fastener Business Name in addition, be shown in display device 12, select for user: this reward voucher is consumed, used this credit card purchase or use this reward voucher and this credit card purchase.When without corresponding information, only to extract in this information accumulation device 14 stored one or many credit card number and hair fastener Business Name, be shown in display device 12, select whether this credit card purchase for user.
When this shop end representative information is not two-dimensional bar code, this store authentication module 13 by the information of gained through decoding, comparison or other processing mode process, can obtain predetermined result.Also can disregard, and using gained information directly as shop end representative information.
This store authentication module 13 is separately equipped with Wiring device 16, for after user completes selection, by shop end representative information and user's chosen content, together with the code of this mobile Internet access device 10, is sent to this certificate server 30.In preferred embodiment of the present invention, the code of this mobile Internet access device 10 is the telephone number that the subscriber identity module of smart mobile phone (subscriber identitymodule – SIM) records.In other instances, the code of this mobile Internet access device 10 can be the community authentication codes or numbering logined with this mobile Internet access device 10.The networking capability that this Wiring device 16 utilizes mobile Internet access device 10 to be equipped with, links this certificate server 30.Its mode can be via mobile communication network or local area network system 41, is wired to world-wide web 42, and realizes line with this certificate server 30.Or by means of only mobile communication network 41, realize line with this certificate server 30.Accordingly, the information that this certificate server 30 receives, will comprise through process or undressed shop end representative information, user's selection result, and the code of this mobile Internet access device 10.Wherein, this user's selection result can comprise such as credit card number usually; Reward voucher kind, numbering; The information such as consumption voucher, gift token numbering, denomination.
This certificate server 30 can be any type of computer apparatus, is equipped with enough memory storages and arithmetic capability at a high speed, and can links world-wide web or other communication networks, for consumer or hotel owner's request authentication.The flow process of a kind of example of mobile device payment methods of the present invention is described with Fig. 3 below.Fig. 3 is the process flow diagram of mobile device payment methods of the present invention.
As shown in the figure, when using mobile device charging system of the present invention consumption, first in step 301, user visits a physical stores or online store, obtains shop end representative information with the information recognition device 11 of mobile Internet access device 10.For the purpose of illustrative ease, be the display playing cards of two-dimensional bar code or vertical board for this shop end representative information generator 20 at this.But System and method for of the present invention can be applied in any device or the method that produce shop end representative information, as aforementioned.In step 302, this information recognition device 11 identifies acquired shop end representative information in reservation mode, obtains recognition result.Thereafter, in step 303, the comparison device 15 of this store authentication module 13, by this recognition result, is compared with transaction information needed stored in its information accumulation device 14, is obtained comparison result.In step 304, comparison result is presented at display device 12 by this store authentication module 13, the trade mode of carrying out needed for selecting for user.At this, the trade mode that user may select may comprise: the consumption of credit card purchase, reward voucher, consumption voucher or gift token consumption, membership consumes (preferential treatment), or the wherein combination of two kinds or more.
In step 305, after consumer completes selection, this store authentication module 13 sends the Transaction Information of necessity to this certificate server 30 via this Wiring device 16.At this, alleged necessary Transaction Information will comprise through process or undressed shop end representative information, user's selection result, and the code of this mobile Internet access device 10.As previously mentioned, this user's selection result can comprise such as credit card number usually; Reward voucher kind, numbering; The information such as consumption voucher, gift token numbering, denomination.
In step 306, after this certificate server 30 receives Transaction Information, the trade mode selected according to user is compared.Such as, user is as selected credit card purchase pattern, then by the credit card number contained by this Transaction Information and mobile Internet access device code, the credit card information storehouse comparison of recording with its storage device (not shown), judges whether this credit card number conforms to this mobile Internet access device code.In this way, then the further contractor of this shop representated by end representative information of shop of comparison whether corresponding to this credit card, and this credit card can be held consume.If comparison result is yes, then judge that comparison result is correct.And for example user is as selected reward voucher consumption mode, then only need this reward voucher code name of comparison whether effective reward voucher of sending of this shop (the shop data stored by the data bank of shop) representated by end representative information of shop.If comparison result is yes, then judge that comparison result is correct.At other as consumption voucher or gift token consumption mode or membership's consumption mode, be also carry out similar comparison.Importantly, the information beyond all transaction information needed, particularly credit card number, user's personal information, hotel owner's related data etc. are all be stored in this certificate server 30.The information sent by this mobile Internet access device 10, only comprises credit card number, shop end representative information and mobile Internet access device code.Do not worry during the course leaking credit cardholder's data, personal information and manufacturer information.
If this certificate server 30 comparison result is not inconsistent, then sends the instruction of refusal transaction in step 307, be presented in the display device 12 of this mobile Internet access device 10.Step proceeds to 308, closes the trade.Otherwise comparison result conforms to, then calculate dealing money in step 309.At this, the calculating of dealing money can comprise extracts purchase commodity or the information such as service content and price, reward voucher or identity discount ratio, consumption voucher or the gift token amount of money/remaining sum from this Transaction Information, and the trade mode selected according to user calculates.Such as, when consumer's choice for use credit card purchase and reward voucher consume two kinds of modes in parallel, according to this service content and price, and payment is answered in the discount ratio calculating of reward voucher.When and for example the consumption of consumer's choice for use gift token give preferential treatment to consumption two kinds of modes in parallel with identity, according to this service content and price, and Gift Balance and identity discount ratio calculate pay after result, obtain the rear remaining sum of gift token consumption.Or when Gift Balance has been not enough to consumption, obtain the not enough amount of money.
Above-mentioned calculation procedure can perform in this certificate server 30, also can perform in this mobile Internet access device 10.If result of calculation is deficiency, this certificate server 30 or this mobile Internet access device 10 can obtain user separately and agree to, the credit card number existed in this information accumulation device 14 is sent to this certificate server 30, carries out certification with abovementioned steps.In step 310, result of calculation is sent to this mobile Internet access device 10 by this certificate server 30, and is presented at this display device 12, confirms for user.After consumer confirms consumption pattern and the amount of money, consumer instruction is sent to this certificate server 30 in step 311 by this store authentication module 13.In step 312, this certificate server 30 " the store authentication information " that stored in advance before extract this shop from its shop data bank, be presented in the display device 12 of this mobile device 10.In preferred embodiment of the present invention, this store authentication information be one group can image and/or sound display mark, such as specific one or several images, animation, a string sound or its combine.In other examples of the present invention, this store authentication information can be a string literal or literary composition numeral.Usually the word or the civilian numeral that are suitable as store authentication information comprise: hotel owner's title, default password, activity name, movable serial number, activity description explanation etc.The content of this store authentication information there is no any technical restriction, but low with data quantity, substituted is low and discrimination power Gao Weijia.The photograph of such as particular person or place, specific pattern or specific sound continuously etc.
Because this store authentication information is the customizing messages that shop and this certificate server 30 institutional affiliation are arranged, the authentication procedure before store operation people can be judged by this store authentication information performs through this certificate server 30 really, and is judged as conforming to.The generation of this store authentication information, is enough to guarantee transaction security, and simplifies the step needed for mobile payment.
In input media (not shown, but usually can be this display device 12 itself) the input validation instruction of this hotel owner of step 313 in this mobile Internet access device 10, and the commodity bought of the person of being delivered for use or service.In this step, be suitable as the signal or mark that confirm instruction, except the string literal produced except the operation such as pressing of the acknowledgement key of the input media at this mobile Internet access device 10, numeral or its combination, can be also salesman's code name, scan QRcode acquired results, a string literal or several combinatorics on words such as entrained by salesman.Also can be the dynamic password being sent to this hotel owner (such as computer, mobile phone or other Internet devices).Certainly, also can be the combination of above multiple confirmation instruction type, be inputted at the input media of this mobile Internet access device 10 by hotel owner (salesman).Via this Wiring device 16, result is delivered to this certificate server 30 in this store authentication module 13 of step 314, through with the confirmation instruction comparison stored by this certificate server 30 after, complete certification.Namely a transaction is completed.Afterwards, step enters 308, closes the trade.Otherwise if authentication result is not inconsistent, step enters 307, send the instruction of refusal transaction, be presented in the display device 12 of this mobile Internet access device 10.Step proceeds to 308, closes the trade.
In step 313, input media applicatory can be the element such as keyboard, Touch Screen of this mobile Internet access device 10.That is the hardware that this mobile Internet access device 10 can be used itself to be equipped with, realizes operation required for the present invention.In another example of the present invention, this confirmation instruction is the QR code that this mobile Internet access device 10 possesses itself, or another dynamically produces, be sent to the QR code of this mobile Internet access device 10, be presented at the input media of this mobile Internet access device 10, the image input device linked with the computer of hotel owner, mobile phone or other Internet devices by salesman scans, after identification, this this certificate server 30 is back to, to complete confirmation with this computer, mobile phone or other Internet devices.
Mobile device charging system of the present invention as above and method, by the display of this store authentication information, really can simplify the certification of mobile device paying, verification step, reach easy-to-use object.In addition, because certification, proof procedure only must transmit number, the code information of minority, can, by the spillage risk of credit card information, personal information and manufacturer information, be down to minimum.
In above-mentioned example, by those skilled in the art under the condition not departing from spirit of the present invention, various change may be made and spreads out and stretch.Such as, when user does not use credit card purchase, and when using cash consumption, namely need not transmit credit card number, also need not confirm spending amount by user.In addition, in a few examples of the present invention, this store authentication module 13 is directly by this Wiring device 16 and the website line in shop, obtains this store authentication information.Now, this consumption voucher or coupon information, must contain the line data in this shop, in order to this store authentication module 13 line.In addition, this store authentication information, can select to show after user confirms the amount of money, also can show before.
Claims (52)
1. a mobile device charging system, comprises mobile device and certificate server; Wherein, this mobile device possesses mobile Internet access ability, and comprises:
Information recognition device, for inputting shop end representative information;
Display device, for showing Transaction Information; And
Store authentication module, for according to this shop end representative information, produces corresponding transaction information needed, is sent to described certificate server; And
Described certificate server can carry out certification according to this transaction information needed, and when authentication result conforms to, predetermined shop end representative information is sent to described mobile device;
It is characterized in that, the shop end representative information that described certificate server also can transmit by described store authentication module is shown in described display device, and after receiving the confirmation instruction, result is sent to described certificate server.
2. mobile device charging system as claimed in claim 1, wherein, described mobile device is smart mobile phone.
3. mobile device charging system as claimed in claim 1, wherein, described information recognition device comprises image input device.
4. mobile device charging system as claimed in claim 3, wherein, described information recognition device comprises the camera model being equipped with image recognition function.
5. mobile device charging system as claimed in claim 1, wherein, described information recognition device comprises acoustic input dephonoprojectoscope.
6. mobile device charging system as claimed in claim 1, wherein, described information recognition device comprises the acoustic input dephonoprojectoscope possessing sound identifying function.
7. mobile device charging system as claimed in claim 1, wherein, described shop end representative information represents with two-dimensional bar code, and described information recognition device comprises the camera model being equipped with image recognition function.
8. mobile device charging system as claimed in claim 1, wherein, described shop end representative information is with image representation, and described information recognition device comprises the camera model being equipped with image recognition function.
9. mobile device charging system as claimed in claim 1, wherein, described shop end representative information is with a string image representation, and described information recognition device comprises the camera model being equipped with image recognition function.
10. mobile device charging system as claimed in claim 1, wherein, described shop end representative information represents with one group of biological information, and described information recognition device comprises the camera model being equipped with image recognition function.
11. mobile device charging systems as claimed in claim 1, wherein, described shop end representative information represents with a string sound, and described information recognition device comprises the acoustic input dephonoprojectoscope being equipped with sound identifying function.
12. mobile device charging systems as claimed in claim 1, wherein, described shop end representative information represents with a string signal, and described information recognition device comprises electronic tag detecting device.
13. mobile device charging systems as claimed in claim 1, wherein, described exchange needs information to comprise the code name of detecting mobile device.
14. mobile device charging systems as claimed in claim 13, wherein, described transaction information needed also comprises credit card number.
15. mobile device charging systems as claimed in claim 13, wherein, described transaction information needed also comprises coupon number and issuer information.
16. mobile device charging systems as claimed in claim 13, wherein, described transaction information needed also comprises serial number of bond and issuer information.
17. mobile device charging systems as claimed in claim 2, wherein, described exchange needs information to comprise the door number of this smart mobile phone.
18. mobile device charging systems as claimed in claim 17, wherein, described transaction information needed also comprises credit card number.
19. mobile device charging systems as claimed in claim 17, wherein, described transaction information needed also comprises coupon number and issuer information.
20. mobile device charging systems as claimed in claim 17, wherein, described transaction information needed also comprises serial number of bond and issuer information.
21. mobile device charging systems as claimed in claim 1, wherein, described shop end representative information comprises one group with the mark of image display.
22. mobile device charging systems as claimed in claim 21, wherein, described shop end representative information comprises image.
23. mobile device charging systems as claimed in claim 21, wherein, described shop end representative information comprises animation.
24. mobile device charging systems as claimed in claim 1, wherein, described shop end representative information comprises one group with the mark of sound display.
25. mobile device charging systems as claimed in claim 1, wherein, described shop end representative information comprises a string literal, numeral or its combination.
26. mobile device charging systems as claimed in claim 1, wherein, described confirmation instruction comprises a string literal, numeral or its combination.
27. mobile device charging systems as claimed in claim 1, wherein, described confirmation instruction comprises the password dynamically produced.
28. 1 kinds of authentication methods using mobile device to pay, are applied to mobile device charging system, and this system comprises mobile device and certificate server; Wherein, this mobile device possesses mobile Internet access ability, and comprises:
Information recognition device, for inputting shop end representative information;
Display device, for showing Transaction Information; And
Store authentication module, for according to described shop end representative information, produces corresponding transaction information needed, is sent to described certificate server;
The method comprises the steps:
Described information recognition device input shop end representative information;
Described store authentication module, according to described shop end representative information, produces corresponding transaction information needed, is sent to described certificate server;
Described certificate server carries out certification according to described transaction information needed, and when authentication result conforms to, predetermined shop end representative information is sent to this mobile device;
The shop end representative information that described certificate server transmits by described store authentication module is shown in this display device; And
Result, after receiving the confirmation instruction, is sent to described certificate server by described store authentication module.
29. methods as claimed in claim 28, wherein, described shop end representative information is two-dimensional bar code.
30. methods as claimed in claim 28, wherein, described shop end representative information is image.
31. methods as claimed in claim 28, wherein, described shop end representative information is a string image.
32. methods as claimed in claim 28, wherein, described shop end representative information is one group of biological information.
33. methods as claimed in claim 28, wherein, described shop end representative information is a string sound.
34. methods as claimed in claim 28, wherein, described shop end representative information is a string signal.
35. methods as claimed in claim 28, wherein, described exchange needs information to comprise the code name of this mobile device.
36. methods as claimed in claim 35, wherein, described transaction information needed also comprises credit card number.
37. methods as claimed in claim 35, wherein, described transaction information needed also comprises coupon number and issuer information.
38. methods as claimed in claim 35, wherein, described transaction information needed also comprises serial number of bond and issuer information.
39. methods as claimed in claim 35, wherein, the code name of described mobile device comprises mobile phone door number.
40. methods as claimed in claim 39, wherein, described transaction information needed also comprises credit card number.
41. methods as claimed in claim 39, wherein, described transaction information needed also comprises coupon number and issuer information.
42. methods as claimed in claim 39, wherein, described transaction information needed also comprises serial number of bond and issuer information.
43. methods as claimed in claim 28, wherein, described shop end representative information comprises one group with the mark of image display.
44. methods as claimed in claim 28, wherein, described shop end representative information comprises image.
45. methods as claimed in claim 28, wherein, described shop end representative information comprises animation.
46. methods as claimed in claim 28, wherein, described shop end representative information comprises one group with the mark of sound display.
47. methods as claimed in claim 28, wherein, described shop end representative information comprises a string literal, numeral or its combination.
48. methods as claimed in claim 28, wherein, described confirmation instruction comprises a string literal, numeral or its combination.
49. methods as claimed in claim 28, wherein, described confirmation instruction comprises dynamic password.
50. methods as claimed in claim 28, are also included in after producing corresponding transaction information needed, result are presented at described display device, for the step of user's option dealing pattern; The method, after user's option dealing pattern, starts information needed of concluding the business, and is sent to certificate server described in this.
51. methods as claimed in claim 28, before being also included in shop end representative information, display transaction content, for the step that user confirms.
52. methods as claimed in claim 28, after being also included in shop end representative information, display transaction content, for the step that user confirms.
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| KR101248058B1 (en) * | 2006-07-07 | 2013-03-27 | 가부시기가이샤제이씨비 | Internet settlement system |
| CN101668288A (en) * | 2009-08-25 | 2010-03-10 | 钱袋网（北京）信息技术有限公司 | Identity authenticating method, identity authenticating system and terminal |
| CN102693479A (en) * | 2011-03-24 | 2012-09-26 | 博经科技股份有限公司 | Method for processing payment information using intergrate barcode in system |
| CN102542501A (en) * | 2011-05-09 | 2012-07-04 | 郑镇宇 | Bank business on-line processing method, recording medium, and a mobile terminal |
| CN103164792A (en) * | 2011-12-14 | 2013-06-19 | 阿里巴巴集团控股有限公司 | Providing method of payment service on wireless terminal and relevant equipment and system thereof |
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