TWI601079B - Mobile payment system and its implementing method - Google Patents
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一種行動支付系統及其實施方法，尤指一種透過行動通訊裝置，同時完成優惠資訊之取得及款項之支付的行動支付系統及其實施方法。 A mobile payment system and an implementation method thereof, and more particularly to an action payment system and a method for implementing the same, through the mobile communication device, simultaneously completing the acquisition of the preferential information and the payment of the payment.
行動商務(Mobile Commerce)時代的來臨，不僅讓消費者們對於行動通訊裝置(如智慧型手機及平板電腦等行動裝置)的黏著度上升，商家們對於藉由行動通訊裝置提供相關商務服務的意願也大幅增長，根據美國Forrester Research公司的研究統計，到了2018年，將會有高達54%的電子商務交易，是藉由行動通訊裝置來完成的，其中，所述之商務服務如藉由行動通訊裝置提供叫車服務、訂餐服務、零售購物服務、團購服務，甚至是發放贈品(如優惠券)的銷售或廣告行為等，相關應用琳瑯滿目，又，隨著行動支付(Mobile Payment)的盛行，消費者甚至不再需要攜帶實體錢包，只需要攜帶一支智慧型手機出門，便能應付生活的食衣住行育樂，然而，現有的行動商務服務提供者與行 動支付服務提供者多為獨立運營之企業，意即，消費者須於行動通訊裝置內分別儲存有一個行動商務服務應用程式及一個行動支付服務應用程式，使用時，則先透過執行行動商務服務應用程式取得相關服務後，再轉而執行行動支付服務應用程式完成付款動作，如此，不僅造成消費者之裝置儲存空間的負擔，最重要的是，將造成整體服務體驗品質的下降，故而有許多行動商務服務提供者與行動支付服務提供者積極進行整合之動作，或自身企業便同時扮演兩個角色，以提供消費者於單一應用程式下便可完成商務服務及支付服務的使用。 The advent of the Mobile Commerce era has not only increased consumer adhesion to mobile devices such as smart phones and tablets, but also merchants' willingness to provide relevant business services through mobile devices. It has also grown substantially. According to research by Forrester Research in the United States, by 2018, up to 54% of e-commerce transactions will be completed by mobile communication devices, such as mobile communication. The device provides car service, order service, retail shopping service, group purchase service, and even the sale or advertising behavior of gifts (such as coupons). The related applications are dazzling, and with the prevalence of mobile payment, consumption They don’t even need to carry a physical wallet, they just need to carry a smart phone to go out and be able to cope with the life of the food and clothing. However, the existing mobile business service providers and The mobile payment service providers are mostly independent companies, which means that consumers must store one mobile business service application and one mobile payment service application respectively in the mobile communication device. After the application obtains the relevant services, it then executes the mobile payment service application to complete the payment action. This not only causes the burden on the device storage space of the consumer, but most importantly, it will cause a decline in the overall service experience quality, so there are many Mobile business service providers and mobile payment service providers actively integrate actions, or their own businesses play two roles at the same time to provide consumers with the ability to complete business services and payment services in a single application.
承上，並請參考中華民國發明專利公開案第TW201445466A號「整合一次性條碼換購電子票券的控制方法」，其便揭露一種可供消費者透過行動裝置進行一預訂票券的購票，並同時完成線上付款，以取得未核銷的預訂票券的方法，然而，習知技術存有兩大問題，其一為支付資料洩漏的安全性問題，其二為行動裝置須處於連網情況(即具有網路連線)下，才可正常完成商務服務及支付服務之使用的問題。 Cheng, and please refer to the Republic of China Invention Patent Publication No. TW201445466A "Control Method for Integrating One-Time Bar Code Exchange for Electronic Tickets", which discloses a ticket purchase for a consumer to make a reservation ticket through a mobile device, and At the same time, online payment is completed to obtain the method of unregistered booking tickets. However, there are two major problems in the prior art, one is to pay for the security of data leakage, and the other is that the mobile device must be connected to the network ( That is, with the Internet connection, the problem of the use of business services and payment services can be completed normally.
有鑑於上述的問題，本發明人係依據多年來從事相關行業及產品設計的經驗，針對現有的系統架構進行研究及分析，期能設計出較佳的行動支付系統；緣此，本發明 之主要目的在於提供一種行動通訊裝置於連線狀態或離線狀態下，皆可完成款項之支付及優惠資訊之兌換的行動支付系統及其實施方法。 In view of the above problems, the inventors have studied and analyzed existing system architectures based on years of experience in related industries and product design, and are able to design a better mobile payment system; thus, the present invention The main purpose of the invention is to provide an action payment system and a method for implementing the payment of the payment and the exchange of the preferential information in the connection state or the offline state of the mobile communication device.
為達上述的目的，本發明之行動支付系統主要包括有一行動通訊裝置、一服務端伺服器、一支付端伺服器以及一商家端銷售設備，行動通訊裝置有一優惠應用程式，且優惠應用程式具有一優惠資訊存取模組、一支付模組、一條碼生成模組及一連線偵測模組，服務端伺服器有一支付代碼生成模組、一支付憑證生成模組、一憑證解析模組、一支付資料庫及一優惠資訊資料庫，再者，商家端銷售設備包括有一終端銷售機與一條碼掃描機，又，本發明之行動支付系統的實施方法，為藉由支付模組進行至少一支付方式的綁定，服務端伺服器將一支付資料發送至支付端伺服器，並請求驗證是否正確，若驗證成功，則服務端伺服器生成一個支付代碼，接續，透過優惠資訊存取模組存取至少一筆優惠資訊，再藉由支付模組進行款項的支付，此時，行動通訊裝置將發送包含優惠資訊、支付代碼及付款資訊等資料至服務端伺服器，而支付憑證生成模組生成複數個支付憑證，當使用者抵達商家進行優惠資訊的使用時，連線偵測模組將偵測行動通訊裝置的無線連線情況，並判斷為一連線狀態或一離線狀態，若為連線狀態，則條碼生成模組將生成包含有一第一支付憑證的至少一個條碼，經條碼掃描機讀取條碼，並藉由終端銷售機輸入支付 金額後，條碼資訊與支付金額被傳送至服務端伺服器，憑證解析模組將解讀條碼資訊以獲知第一支付憑證，並確認有效性及向支付端伺服器請求扣款，完成扣款後，回覆扣款成功之通知，若為一離線狀態，則將先行要求使用者自行輸入支付金額，條碼生成模組再生成包含有一第二支付憑證及支付金額的至少一個條碼，以條碼掃描機讀取條碼後，條碼資訊將被傳送至服務端伺服器，憑證解析模組解讀條碼資訊，以獲知第二支付憑證及支付金額，並確認有效性及向支付端伺服器請求扣款，完成扣款後，回覆扣款成功之通知。 For the above purposes, the mobile payment system of the present invention mainly includes a mobile communication device, a server server, a payment server, and a merchant sales device. The mobile communication device has a discount application, and the preferential application has A preferential information access module, a payment module, a code generation module and a connection detection module, the server server has a payment code generation module, a payment voucher generation module, and a voucher analysis module. a payment database and a preferential information database. Further, the merchant sales device includes a terminal vending machine and a code scanner, and the implementation method of the mobile payment system of the present invention is performed by the payment module. The binding of a payment method, the server server sends a payment data to the payment server, and requests the verification to be correct. If the verification is successful, the server server generates a payment code, and continues to access the information through the preferential information. The group accesses at least one piece of preferential information, and then the payment module pays the payment. At this time, the mobile communication device will send The information including the preferential information, the payment code and the payment information is sent to the server, and the payment certificate generation module generates a plurality of payment certificates. When the user arrives at the merchant to use the preferential information, the connection detection module detects The wireless connection status of the mobile communication device is determined as a connection state or an offline state. If the connection state is in a wired state, the barcode generation module generates at least one barcode including the first payment certificate, and is read by the barcode scanner. Take the barcode and enter the payment by the terminal vending machine After the amount, the bar code information and the payment amount are transmitted to the server server, and the voucher parsing module will interpret the bar code information to know the first payment voucher, confirm the validity and request the debit payment from the payment server, and after completing the deduction, If the notification is successful, if the user is in an offline state, the user will be required to input the payment amount, and the barcode generation module generates at least one barcode including the second payment certificate and the payment amount, and reads the barcode scanner. After the barcode, the barcode information will be transmitted to the server server, and the certificate parsing module will interpret the barcode information to know the second payment certificate and the payment amount, and confirm the validity and request the payment from the payment server. , reply to the notice of successful deduction.
為使 貴審查委員得以清楚了解本發明之目的、技術特徵及其實施後之功效，茲以下列說明搭配圖示進行說明，敬請參閱。 In order for your review board to have a clear understanding of the purpose, technical features and effects of the present invention, the following description will be used in conjunction with the illustrations, please refer to it.
1‧‧‧行動支付系統 1‧‧‧Mobile payment system
11‧‧‧行動通訊裝置 11‧‧‧Mobile communication device
12‧‧‧服務端伺服器 12‧‧‧Server server
111‧‧‧中央處理模組 111‧‧‧Central Processing Module
121‧‧‧支付代碼生成模組 121‧‧‧Payment Code Generation Module
112‧‧‧網路通訊模組 112‧‧‧Network communication module
122‧‧‧支付憑證生成模組 122‧‧‧payment voucher generation module
113‧‧‧優惠應用程式 113‧‧‧Promo application
123‧‧‧憑證解析模組 123‧‧‧Voucher parsing module
1131‧‧‧優惠資訊存取模組 1131‧‧‧Special Information Access Module
124‧‧‧支付資料庫 124‧‧‧Payment database
1132‧‧‧支付模組 1132‧‧‧Payment module
125‧‧‧優惠資訊資料庫 125‧‧‧Promotional Information Database
1133‧‧‧條碼生成模組 1133‧‧‧ barcode generation module
1134‧‧‧連線偵測模組 1134‧‧‧Connection detection module
13‧‧‧支付端伺服器 13‧‧‧Payment Server
14‧‧‧商家端銷售裝置 14‧‧‧Business terminal sales device
141‧‧‧終端銷售機 141‧‧‧ terminal sales machine
142‧‧‧條碼掃描機 142‧‧‧Barcode Scanner
S10‧‧‧行動支付系統的實施方法 Implementation method of S10‧‧‧ mobile payment system
S101‧‧‧支付方式驗證步驟 S101‧‧‧ Payment method verification procedure
S102‧‧‧支付憑證生成步驟 S102‧‧‧ Payment Document Generation Step
S103‧‧‧連線狀態偵測步驟 S103‧‧‧Connection Status Detection Procedure
S104‧‧‧連線狀態支付步驟 S104‧‧‧Connection status payment procedure
S105‧‧‧離線狀態支付步驟 S105‧‧‧Offline payment steps
第1圖，為本發明之系統架構示意圖。 Figure 1 is a schematic diagram of the system architecture of the present invention.
第2圖，為本發明之第一實施步驟示意圖。 Figure 2 is a schematic view showing the first embodiment of the present invention.
第3圖，為本發明之第二實施步驟示意圖。 Figure 3 is a schematic view showing the second embodiment of the present invention.
第4圖，為本發明之第三實施步驟示意圖。 Figure 4 is a schematic view showing a third embodiment of the present invention.
第5圖，為本發明之支付方式驗證步驟示意圖。 Figure 5 is a schematic diagram showing the steps of verifying the payment method of the present invention.
第6圖，為本發明之支付憑證生成步驟示意圖。 Figure 6 is a schematic diagram showing the steps of generating a payment voucher according to the present invention.
第7圖，為本發明之連線狀態支付步驟示意圖。 Figure 7 is a schematic diagram of the payment state of the connection state of the present invention.
第8圖，為本發明之離線狀態支付步驟示意圖。 Figure 8 is a schematic diagram of the offline state payment step of the present invention.
請參閱「第1圖」，為本發明之系統架構示意圖，如圖所示，本發明之行動支付系統1，包括有一行動通訊裝置11、一服務端伺服器12、一支付端伺服器13以及一商家端銷售設備14，服務端伺服器12分別與支付端伺服器13及商家端銷售設備14呈資訊連結，又，行動通訊裝置11於正常連線狀態下，服務端伺服器12亦可與行動通訊裝置11形成資訊連結；行動通訊裝置11包括有一中央處理模組111，並有一網路通訊模組112及一優惠應用程式113與中央處理模組111呈資訊連結，中央處理模組111可作動與控制行動通訊裝置11及其各模組之運行，如可為微處理機控制器(Microprocessor control unit，簡稱MCU)或中央處理器(Central processing unit，簡稱CPU)等，但不以此為限，網路通訊模組112可供行動通訊裝置11藉由無線連線方式，資訊連結至服務端伺服器12，以進行資料檔案的傳輸與存取，所述之無線連線方式如可為網際網路(Internet)、無線保真(Wi-Fi)或藍芽(Bluetooth)等技術，然而，任何具有可供傳輸資料檔案於行動通訊裝置11及服務端伺服器12之間的連線方式，皆可為實施之態樣，又，優惠應用程式113具有一優惠資訊存取模組1131、一支付模組1132、一條碼生成模組1133以及一連線偵測模組1134，執行優惠應用程式113後，優惠資訊存取模組1131可供瀏覽並存取至少一筆優惠資 訊，支付模組1132除可供進行至少一種支付方式之一支付資料的驗證，以獲得相應的一支付代碼外，更可於優惠資訊存取模組1131存取優惠資訊後，透過支付模組1132及網路通訊模組112的執行，發送包含有優惠資訊、支付代碼及一付款資訊至服務端伺服器12，並接收來自服務端伺服器12生成的複數個支付憑證，其中，所述之支付方式如可為銀行轉帳、銀行帳戶扣款、***、簽帳金融卡、電子票證、儲值卡及電子支付帳戶等方式，若以***支付為例，則支付資料可為***帳戶名稱、***卡號、***有效日期或***安全碼(Card Security Code，簡稱CSC)之其中一種或其組合，條碼生成模組1133可供生成僅包含有支付憑證的至少一個條碼，然，亦可生成包括有支付憑證與其他資訊(如交易金額)的條碼，且條碼可供商家端銷售設備14進行讀取，其中，所述之條碼可為一維條碼或二維條碼，連線偵測模組1134可偵測行動通訊裝置11之網路通訊模組112的無線連線情況，並判斷行動通訊裝置11處於一連線狀態或一離線狀態。 Please refer to FIG. 1 for a schematic diagram of the system architecture of the present invention. As shown, the mobile payment system 1 of the present invention includes a mobile communication device 11, a server server 12, a payment server 13 and A merchant-side sales device 14 and a server-side server 12 respectively provide information connection with the payment-side server 13 and the merchant-side sales device 14, and in addition, the mobile communication device 11 is in a normal connection state, and the server server 12 can also The mobile communication device 11 is configured to form an information link. The mobile communication device 11 includes a central processing module 111, and a network communication module 112 and a preferential application 113 are connected to the central processing module 111. The central processing module 111 can be Actuating and controlling the operation of the mobile communication device 11 and its modules, such as a Microprocessor Control Unit (MCU) or a Central Processing Unit (CPU), but not The network communication module 112 can be used by the mobile communication device 11 to connect to the server 12 by means of wireless connection to transmit and access data files. The wireless connection method can be such as Internet, Wi-Fi or Bluetooth. However, any data file can be transmitted to the mobile communication device 11 and the server. The connection mode between the devices 12 can be implemented. In addition, the preferential application 113 has a preferential information access module 1131, a payment module 1132, a code generation module 1133, and a connection detection. The test module 1134, after executing the discount application 113, the preferential information access module 1131 can browse and access at least one preferential fund. The payment module 1132 can be used to verify the payment data of at least one payment method to obtain a corresponding payment code, and can also access the preferential information after the preferential information access module 1131 accesses the payment module. 1132 and the execution of the network communication module 112, sending the preferential information, the payment code, and a payment information to the server server 12, and receiving the plurality of payment certificates generated by the server server 12, wherein the The payment method can be bank transfer, bank account debit, credit card, debit card, electronic ticket, stored value card and electronic payment account. If credit card payment is used as an example, the payment information can be credit card account name and credit card. The barcode generation module 1133 is configured to generate at least one barcode including only the payment certificate, and may also generate a payment including one of the card number, the credit card expiration date, or the credit card security code (Card Security Code, CSC for short). a barcode of the voucher and other information (such as the transaction amount), and the barcode can be read by the merchant selling device 14, wherein the The code can be a one-dimensional bar code or a two-dimensional bar code, and the connection detection module 1134 can detect the wireless connection condition of the network communication module 112 of the mobile communication device 11 and determine that the mobile communication device 11 is in a connected state or An offline status.
複請參閱「第1圖」，如圖所示，服務端伺服器12包括有一支付代碼生成模組121、一支付憑證生成模組122、一憑證解析模組123、一支付資料庫124及一優惠資訊資料庫125，而支付代碼生成模組121、支付憑證生成模組122及憑證解析模組123係分別與支付資料庫124及優惠資訊資料庫125呈資訊連結，當執行優惠應用程式113的支付 模組1132，進行支付方式之支付資料的驗證時，服務端伺服器12將資訊連結至支付端伺服器13，以確認支付資料的正確性，完成驗證後，支付代碼生成模組121即可將支付資料依據一代碼編碼規則生成一個支付代碼，意即，不同支付方式的支付資料，將被分別地生成不同的支付代碼，其中，所述之支付端伺服器13如為置於金融機構或電子支付機構之伺服器，又，特別要說明的是，所述之支付代碼為一種資料庫索引代碼(Database Index Code)，供以對儲存於支付資料庫124的支付資料進行索引，換言之，支付代碼本身並不包含有如***卡號或***有效日期等支付資料，而支付憑證生成模組122係當行動通訊裝置11將優惠資訊、支付代碼及付款資訊發送至服務端伺服器12後，依據一憑證編碼規則生成複數個支付憑證(如第一支付憑證、第二支付憑證、第三支付憑證…第N支付憑證)，並將其分別發送至行動通訊裝置11以及支付資料庫124，且彼此形成關聯，其中，複數個支付憑證除可被設定為具有一有效期間外，亦可被賦予於不同之連線狀態下的用途，如以三個支付憑證為例，第一支付憑證係被設定為僅在網路通訊模組112判斷行動通訊裝置11處於連線狀態時方可被使用，而第二支付憑證及第三支付憑證則被設定為行動通訊裝置11處於離線狀態時方可被使用，優惠資訊資料庫125則儲存有複數筆優惠資訊，所述之優惠資訊為商家對其商品或服務所提供之折扣優惠(如商品原價的六折)或加值優惠(如商品買一送一)等；商家端銷售設備14包括有一終端銷售機141及一 條碼掃描機142，條碼掃描機142可讀取一維條碼或二維條碼，且所讀取之資訊，將透過終端銷售機141傳送至服務端伺服器12，並由憑證解析模組123進行支付憑證的確認。 Please refer to FIG. 1 . As shown in the figure, the server server 12 includes a payment code generation module 121 , a payment certificate generation module 122 , a certificate analysis module 123 , a payment database 124 , and a The discount information generating module 121, the payment certificate generating module 122 and the voucher analyzing module 123 are respectively linked with the payment database 124 and the preferential information database 125, and when the preferential application 113 is executed, Pay The module 1132, when performing payment verification of the payment method, the server server 12 connects the information to the payment server 13 to confirm the correctness of the payment data. After the verification is completed, the payment code generation module 121 can The payment data generates a payment code according to a code encoding rule, that is, the payment data of different payment methods will be separately generated into different payment codes, wherein the payment server 13 is placed in a financial institution or an electronic The server of the payment institution, in particular, the payment code is a database index code for indexing the payment data stored in the payment database 124, in other words, the payment code. The payment certificate generating module 122 does not include the payment information such as the credit card number or the credit card expiration date, and the payment credential generating module 122 sends the discount information, the payment code and the payment information to the server server 12 according to the voucher code. The rule generates a plurality of payment vouchers (such as a first payment voucher, a second payment voucher, a third payment voucher... N payment voucher) and sent to the mobile communication device 11 and the payment database 124, respectively, and associated with each other, wherein the plurality of payment voucher may be set to have a valid period, or may be given different For example, in the connection state, for example, three payment certificates are set, and the first payment voucher is set to be used only when the network communication module 112 determines that the mobile communication device 11 is in the connection state, and the second The payment voucher and the third payment voucher are set to be used when the mobile communication device 11 is offline, and the preferential information database 125 stores a plurality of preferential information, where the preferential information is for the merchant to its goods or services. Offer discounts (such as 40% off the original price of the goods) or value-added discounts (such as buy one get one free), etc.; merchant sales equipment 14 includes a terminal sales machine 141 and a The barcode scanner 142 can read the one-dimensional barcode or the two-dimensional barcode, and the read information will be transmitted to the server server 12 through the terminal vending machine 141, and the payment is performed by the certificate parsing module 123. Confirmation of the voucher.
請參閱「第2圖」，為本發明之第一實施步驟示意圖，並請搭配參閱「第1圖」，如圖所示，於第一實施例中，本發明之行動支付系統的實施方法S10，包括有以下步驟： 一支付方式驗證步驟S101：請搭配參閱「第5圖」，為本發明之支付方式驗證步驟示意圖，如圖所示，一行動通訊裝置11的一優惠應用程式113經執行後，係需透過一支付模組1132進行至少一支付方式(如***支付等)的綁定，使用者係需輸入一支付資料(如***卡號等)，支付資料將經行動通訊裝置11的一網路通訊模組112發送至一服務端伺服器12，同時，服務端伺服器12除將支付資料儲存於一支付資料庫124外，更將支付資料轉而發送至與支付方式相應之一支付端伺服器13，並請求支付端伺服器13驗證該筆支付資料是否正確，支付端伺服器13將依據使用者事先所儲存的資料，對該筆支付資料進行確認，並回覆服務端伺服器12驗證是否成功，若是，則服務端伺服器12將依據一代碼編碼規則生成一個支付代碼，並分別儲存至支付資料庫124及發送至行動通訊裝置11，以完成支付方式的驗證與綁定，其中，特別要說明的是，若已完成至少一支付方式的綁定，除非需要綁定其他種類的支付方式，否則這裡所述的支付方式驗證步驟S101於使用者下一次執行優惠應用程 式113時，將不需再重新執行一次。 Please refer to FIG. 2, which is a schematic diagram of a first embodiment of the present invention, and please refer to "FIG. 1". As shown in the figure, in the first embodiment, the implementation method S10 of the mobile payment system of the present invention is shown. , including the following steps: A payment method verification step S101: Please refer to "figure 5" as a schematic diagram of the payment method verification step of the present invention. As shown in the figure, after a preferential application 113 of a mobile communication device 11 is executed, it is required to pass through a The payment module 1132 performs binding of at least one payment method (such as credit card payment, etc.), and the user needs to input a payment data (such as a credit card number, etc.), and the payment data is transmitted through a network communication module 112 of the mobile communication device 11. Sending to a server server 12, the server server 12 stores the payment data in a payment database 124, and sends the payment data to the payment server 13 corresponding to the payment method. Requesting the payment server 13 to verify whether the payment data is correct, the payment server 13 will confirm the payment information according to the data stored by the user in advance, and reply to the server 12 to verify whether the verification is successful, and if so, The server server 12 will generate a payment code according to a code encoding rule, and store it in the payment database 124 and the mobile communication device 11 respectively. Verification and binding of the payment method, wherein, in particular, if the binding of at least one payment method has been completed, the payment method verification step S101 described herein is used unless binding to other types of payment methods is required. Next time to execute the discount application In the case of Equation 113, there is no need to perform it again.
一支付憑證生成步驟S102：使用者係可執行優惠應用程式113，並藉由一優惠資訊存取模組1131瀏覽儲存於服務端伺服器12之一優惠資訊資料庫125的複數筆優惠資訊，並當存取至少一筆優惠資訊後，可藉由支付模組1132進行款項的支付，此時，請搭配參閱「第6圖」，為本發明之支付憑證生成步驟示意圖，如圖所示，行動通訊裝置11將發送包含有使用者所指定的優惠資訊、已完成驗證的支付代碼，以及付款資訊等資料至服務端伺服器12，而服務端伺服器12的一支付憑證生成模組122將依據一憑證編碼規則，生成複數個支付憑證(如第一支付憑證、第二支付憑證及第三支付憑證)，並分別儲存於支付資料庫124及發送至行動通訊裝置11，且彼此形成關聯，其中，因行動通訊裝置11取得複數個支付憑證後，並不一定會於當時之連線狀態下進行使用，是以，複數個支付憑證除可被設定為具有一有效期間外，亦可被賦予於不同之連線狀態下的用途。 a payment voucher generation step S102: the user can execute the concession application 113, and browse the plurality of preferential information stored in the preferential information database 125 of the server server 12 by using the preferential information access module 1131, and After accessing at least one piece of preferential information, payment can be made by the payment module 1132. In this case, please refer to "FIG. 6" as a schematic diagram of the payment voucher generation step of the present invention, as shown in the figure, the mobile communication The device 11 will send the information including the preferential information specified by the user, the payment code that has been verified, and the payment information to the server server 12, and a payment certificate generating module 122 of the server server 12 will be based on the The voucher encoding rule generates a plurality of payment voucher (such as a first payment voucher, a second payment voucher, and a third payment voucher), and stores them in the payment database 124 and the mobile communication device 11 respectively, and is associated with each other, wherein After the mobile communication device 11 obtains a plurality of payment vouchers, it is not necessarily used in the current connection state, that is, a plurality of payment vouchers May be set to have a validity period, it can also be given different purposes at the connection status.
一連線狀態偵測步驟S103：當使用者抵達商家，並欲進行優惠資訊的使用(如商品價格折扣或商品買一送一)時，優惠應用程式113的一連線偵測模組1134，將偵測行動通訊裝置11之一網路通訊模組112的無線連線情況，並判斷行動通訊裝置11處於一連線狀態或一離線狀態。 a connection state detecting step S103: when the user arrives at the merchant and wants to use the preferential information (such as a product price discount or a product to buy one get one free), a connection detection module 1134 of the preferential application 113, The wireless connection condition of the network communication module 112 of one of the mobile communication devices 11 is detected, and it is determined that the mobile communication device 11 is in a connected state or an offline state.
一連線狀態支付步驟S104：請搭配參閱「第7圖」，為本發明之連線狀態支付步驟示意圖，如圖所示，當判斷行動通訊裝置11於連線狀態下，優惠應用程式113的一條碼生 成模組1133將生成至少一個條碼(可為一維條碼或二維條碼)，其中，所述之條碼即包含有支付憑證生成模組122所生成的第一支付憑證，換言之，係將儲存於行動通訊裝置11內的第一支付憑證以條碼方式呈現，商家端銷售裝置14以一條碼掃描機142讀取條碼，再藉由一終端銷售機141輸入支付金額後，將條碼資訊與支付金額透過終端銷售機141傳送至服務端伺服器12，服務端伺服器12的一憑證解析模組123將解讀條碼資訊以獲知第一支付憑證，並確認第一支付憑證的有效性，確認成功後，即向支付端伺服器13請求扣款，具體言之，即於支付資料庫124索引出支付代碼相對應的支付資料，並發送支付資料及支付金額至支付端伺服器13請求扣款，支付端伺服器13確認使用者的支付資料並完成扣款後，即向服務端伺服器12回覆扣款成功之通知，同時間，服務端伺服器12亦分別向行動通訊裝置11及商家端銷售裝置14發送扣款成功之通知，以供使用者與商家知悉。 A connection state payment step S104: Please refer to "FIG. 7" for the connection state payment step of the present invention. As shown in the figure, when it is determined that the mobile communication device 11 is in the connected state, the preferential application 113 a code student The module 1133 will generate at least one bar code (which may be a one-dimensional bar code or a two-dimensional bar code), wherein the bar code includes the first payment voucher generated by the payment voucher generation module 122, in other words, will be stored in The first payment voucher in the mobile communication device 11 is presented in a bar code manner, and the merchant sales device 14 reads the barcode by using a code scanner 142, and then inputs the payment amount through a terminal vending machine 141, and then transmits the barcode information and the payment amount. The terminal vending machine 141 transmits to the server server 12, and a voucher parsing module 123 of the server server 12 interprets the bar code information to learn the first payment voucher, and confirms the validity of the first payment voucher. The payment server 13 is requested to deduct the payment, in particular, the payment data corresponding to the payment code is indexed in the payment database 124, and the payment data and the payment amount are sent to the payment server 13 for deduction, and the payment server is provided. After confirming the user's payment data and completing the deduction, the device 13 returns a notification of successful deduction to the server server 12, and at the same time, the server server 12 also respectively Mobile communication device 11 and the business end sales charge means 14 sends a notification of success, for the user and the merchant knows.
請參閱「第3圖」，為本發明之第二實施步驟示意圖，並請搭配參閱「第1圖」，如圖所示，於第二實施例中，本發明之行動支付系統的實施方法S10，包括有以下步驟：一支付方式驗證步驟S101：一行動通訊裝置11的一優惠應用程式113經執行後，係需透過一支付模組1132進行至少一支付方式(如***支付等)的綁定，使用者係需輸入一支付資料(如***卡號等)，支付資料將經行動通訊裝置11 的一網路通訊模組112發送至一服務端伺服器12，同時，服務端伺服器12除將支付資料儲存於一支付資料庫124外，更將支付資料轉而發送至與支付方式相應之一支付端伺服器13，並請求支付端伺服器13驗證該筆支付資料是否正確，支付端伺服器13將依據使用者事先所儲存的資料，對該筆支付資料進行確認，並回覆服務端伺服器12驗證是否成功，若是，則服務端伺服器12將依據一代碼編碼規則生成一個支付代碼，並分別儲存至支付資料庫124及發送至行動通訊裝置11，以完成支付方式的驗證與綁定(請搭配參閱「第5圖」)，其中，特別要說明的是，若已完成至少一支付方式的綁定，除非需要綁定其他種類的支付方式，否則這裡所述的支付方式驗證步驟S101於使用者下一次執行優惠應用程式113時，將不需再重新執行一次。 Please refer to FIG. 3, which is a schematic diagram of a second embodiment of the present invention, and please refer to "FIG. 1". As shown in the figure, in the second embodiment, the implementation method S10 of the mobile payment system of the present invention is shown. The method includes the following steps: a payment method verification step S101: after a preferential application 113 of the mobile communication device 11 is executed, the payment module 1132 is required to perform binding of at least one payment method (such as credit card payment, etc.). The user needs to input a payment data (such as a credit card number, etc.), and the payment data will be transmitted via the mobile communication device 11 The network communication module 112 is sent to a server server 12, and at the same time, the server server 12 stores the payment data in a payment database 124, and sends the payment data to the payment method. a payment server 13 and requesting the payment server 13 to verify whether the payment data is correct, and the payment server 13 will confirm the payment data according to the data stored by the user in advance, and reply to the server servo. The server 12 verifies whether the success is successful. If so, the server server 12 generates a payment code according to a code encoding rule, and stores it in the payment database 124 and the mobile communication device 11 respectively to complete the verification and binding of the payment method. (Please refer to "Figure 5"). In particular, if the binding of at least one payment method has been completed, the payment method verification step S101 described herein is not required unless other types of payment methods need to be bound. The next time the user executes the offer application 113, there is no need to re-execute it.
一支付憑證生成步驟S102：使用者係可執行優惠應用程式113，並藉由一優惠資訊存取模組1131瀏覽儲存於服務端伺服器12之一優惠資訊資料庫125的複數筆優惠資訊，並當存取至少一筆優惠資訊後，可藉由支付模組1132進行款項的支付，此時，行動通訊裝置11將發送包含有使用者所指定的優惠資訊、已完成驗證的支付代碼，以及付款資訊等資料至服務端伺服器12，而服務端伺服器12的一支付憑證生成模組122將依據一憑證編碼規則，生成複數個支付憑證(如第一支付憑證、第二支付憑證及第三支付憑證)，並分別儲存於支付資料庫124及發送至行動通訊裝置11，且彼此形成關聯，其中，因行動通訊裝置11取得複數個支付憑證 後，並不一定會於當時之連線狀態下進行使用，是以，複數個支付憑證除可被設定為具有一有效期間外，亦可被賦予於不同之連線狀態下的用途(請搭配參閱「第6圖」)。 a payment voucher generation step S102: the user can execute the concession application 113, and browse the plurality of preferential information stored in the preferential information database 125 of the server server 12 by using the preferential information access module 1131, and After accessing at least one piece of the offer information, the payment module 1132 can perform payment of the payment. At this time, the mobile communication device 11 transmits the payment code including the user-specified offer, the verified payment code, and the payment information. The information is sent to the server 12, and a payment voucher generation module 122 of the server server 12 generates a plurality of payment voucher (such as a first payment voucher, a second payment voucher, and a third payment according to a voucher encoding rule). Credentials) are stored in the payment database 124 and sent to the mobile communication device 11 respectively, and are associated with each other, wherein the mobile communication device 11 obtains a plurality of payment vouchers After that, it is not necessarily used in the connection state at that time. Therefore, in addition to being able to be set to have a valid period, a plurality of payment certificates can also be assigned to different connection states (please match See "Figure 6").
一連線狀態偵測步驟S103：當使用者抵達商家，並欲進行優惠資訊的使用(如商品價格折扣或商品買一送一)時，優惠應用程式113的一連線偵測模組1134，將偵測行動通訊裝置11之一網路通訊模組112的無線連線情況，並判斷行動通訊裝置11處於一連線狀態或一離線狀態。 a connection state detecting step S103: when the user arrives at the merchant and wants to use the preferential information (such as a product price discount or a product to buy one get one free), a connection detection module 1134 of the preferential application 113, The wireless connection condition of the network communication module 112 of one of the mobile communication devices 11 is detected, and it is determined that the mobile communication device 11 is in a connected state or an offline state.
一離線狀態支付步驟S105：請搭配參閱「第8圖」，為本發明之離線狀態支付步驟示意圖，如圖所示，當判斷行動通訊裝置11於離線狀態下，則將先行要求使用者自行輸入一支付金額，而優惠應用程式113的條碼生成模組1133將生成至少一個條碼，其中，需特別說明的是，此處之條碼包含有支付憑證生成模組122所生成的第二支付憑證或第三支付憑證(即第一支付憑證以外之支付憑證皆可)及支付金額，換言之，係將儲存於行動通訊裝置11內的第二支付憑證或第三支付憑證，以及支付金額以條碼方式呈現，商家端銷售裝置14以一條碼掃描機142讀取條碼後，將條碼資訊透過終端銷售機141傳送至服務端伺服器12，服務端伺服器12的一憑證解析模組123將解讀條碼資訊以獲知第二支付憑證或第三支付憑證及支付金額，並確認第二支付憑證或第三支付憑證的有效性，確認成功後，即向支付端伺服器13請求扣款，具體言之，即於支付資料庫124索引出支付代碼相對應的支付資料，並發送支付資料及支付金額至支 付端伺服器13請求扣款，支付端伺服器13確認使用者的支付資料並完成扣款後，即向服務端伺服器12回覆扣款成功之通知，同時間，服務端伺服器12亦向商家端銷售裝置14發送扣款成功之通知。 An offline state payment step S105: Please refer to "8th figure" as a schematic diagram of the offline state payment step of the present invention. As shown in the figure, when it is determined that the mobile communication device 11 is in an offline state, the user is required to input the user first. A payment amount, and the barcode generation module 1133 of the preferential application 113 generates at least one barcode. Specifically, the barcode here includes the second payment certificate generated by the payment certificate generation module 122 or the first The third payment voucher (ie, the payment voucher other than the first payment voucher) and the payment amount, in other words, the second payment voucher or the third payment voucher stored in the mobile communication device 11, and the payment amount is presented in a bar code manner. After the bar code scanner 142 reads the bar code, the bar code information is transmitted to the server server 12 via the terminal vending machine 141, and a voucher parsing module 123 of the server server 12 interprets the bar code information to know. The second payment voucher or the third payment voucher and the payment amount, and confirm the validity of the second payment voucher or the third payment voucher, and confirm After, namely the payment server 13 requests the charge end, specific words, i.e., to the payment database 124 index a corresponding pay payment code information, and transmits the payment amount and the payment information to support The payment server 13 requests the deduction. After the payment server 13 confirms the payment data of the user and completes the deduction, the payment server 13 returns a notification of successful deduction to the server server 12, and at the same time, the server 12 also The merchant-side selling device 14 sends a notification that the deduction is successful.
請參閱「第4圖」，為本發明之第三實施步驟示意圖，並請搭配參閱「第1圖」及「第2圖」，如圖所示，於第三實施例中，本發明之行動支付系統的實施方法S10，係當使用者已先行完成支付方式驗證步驟S101與支付憑證生成步驟S102，然，其經過一段期間後，方才抵達商家，進行優惠資訊的使用時，則同樣先執行連線狀態偵測步驟S103，又，當判斷行動通訊裝置11處於一連線狀態，則將先重新執行支付憑證生成步驟S102，藉以獲得另一組為有效狀態的複數個支付憑證後，接續執行連線狀態支付步驟S104，即優惠應用程式113的條碼生成模組1133將生成至少一個條碼，其中，所述之條碼即包含有支付憑證生成模組122所生成的第一支付憑證，商家端銷售裝置14以條碼掃描機142讀取條碼，再藉由一終端銷售機141輸入支付金額後，將條碼資訊與支付金額透過終端銷售機141傳送至服務端伺服器12，服務端伺服器12的一憑證解析模組123將解讀條碼資訊以獲知第一支付憑證，並確認第一支付憑證的有效性，確認成功後，即向支付端伺服器13請求扣款。 Please refer to FIG. 4 for a schematic diagram of a third embodiment of the present invention. Please refer to "FIG. 1" and "FIG. 2" as shown in the figure. In the third embodiment, the action of the present invention is shown. The implementation method S10 of the payment system is that when the user has completed the payment method verification step S101 and the payment certificate generation step S102, after a period of time, the user arrives at the merchant to use the preferential information, and then executes the connection first. The line state detecting step S103, in addition, when it is determined that the mobile communication device 11 is in a connected state, the payment voucher generating step S102 will be re-executed first, and after obtaining another set of payment voucher in a valid state, the connection is executed. The line state payment step S104, that is, the bar code generation module 1133 of the discount application 113 generates at least one bar code, wherein the bar code includes the first payment voucher generated by the payment voucher generation module 122, and the merchant sales device After the barcode is read by the barcode scanner 142, and the payment amount is input by the terminal vending machine 141, the barcode information and the payment amount are transmitted through the terminal vending machine 141. Transmitted to the server server 12, a voucher parsing module 123 of the server server 12 will interpret the bar code information to learn the first payment voucher, and confirm the validity of the first payment voucher. After the confirmation is successful, the server is sent to the payment terminal. The device 13 requests a charge.
複請參閱「第2圖」至「第4圖」，如圖，本發明之 行動支付系統於實施時，當進行連線狀態支付步驟S104或離線狀態支付步驟S105時，連線狀態偵測步驟S103仍可持續進行，意即，優惠應用程式113的連線偵測模組1134，將持續地偵測行動通訊裝置11之網路通訊模組112的無線連線情況，並判斷行動通訊裝置11的連線情況是否改變(如由連線狀態變成離線狀態，或由離線狀態變成連線狀態)，若為由連線狀態變成離線狀態，則將由原進行連線狀態支付步驟S104，變更為進行離線狀態支付步驟S105，若為由離線狀態變成連線狀態，則反之。 Please refer to "Figure 2" to "Figure 4", as shown in the figure, the present invention When the mobile payment system is implemented, when the connection state payment step S104 or the offline state payment step S105 is performed, the connection state detection step S103 is still continued, that is, the connection detection module 1134 of the preferential application 113 The wireless connection status of the network communication module 112 of the mobile communication device 11 is continuously detected, and it is judged whether the connection status of the mobile communication device 11 is changed (for example, the connection state is changed to the offline state, or the offline state is changed. In the wired state, if the connection state is changed to the offline state, the original connection state payment step S104 is changed to the offline state payment step S105, and if the offline state is changed to the connection state, the reverse is performed.
複請參閱「第7圖」，並再次搭配參閱「第1圖」如圖，於連線狀態支付步驟S104下，當使用者透過行動通訊裝置11顯示條碼給商家端銷售裝置14時，行動通訊裝置11將持續與服務端伺服器12進行輪詢(Polling)，以即時地確認支付端伺服器13的扣款情況；再者，當使用者離開條碼顯示畫面，並欲再次顯示條碼給商家端銷售裝置14時，則將重新進行支付憑證生成步驟S102，即服務端伺服器12的支付憑證生成模組122將依據憑證編碼規則，重新生成另一組的複數個支付憑證，以供行動通訊裝置11的條碼生成模組1133重新生成另一個條碼。 Please refer to "Picture 7" and refer to "Figure 1" again. In the connection status payment step S104, when the user displays the barcode to the merchant sales device 14 through the mobile communication device 11, the mobile communication The device 11 will continue to poll (Polling) with the server 12 to instantly confirm the debit of the payment server 13; further, when the user leaves the barcode display screen and wants to display the barcode again to the merchant When the device 14 is sold, the payment voucher generation step S102 is re-executed, that is, the payment voucher generation module 122 of the server server 12 regenerates another set of multiple payment voucher for the mobile communication device according to the voucher encoding rule. The barcode generation module 1133 of 11 regenerates another barcode.
複請參閱「第8圖」，並再次搭配參閱「第1圖」，如圖，於離線狀態支付步驟S105下，當使用者離開條碼顯示畫面，並欲再次顯示條碼給商家端銷售裝置14時，則將重 新進行離線狀態支付步驟S105，則將再次要求使用者自行輸入支付金額，優惠應用程式113的條碼生成模組1133重新生成至少一個條碼，其中，需特別說明的是，此處之條碼內所包含支付憑證係與首次條碼不同，如第一次所顯示的條碼為使用第二支付憑證，則重新顯示的條碼將使用第三支付憑證，且當儲存於行動通訊裝置11的複數個支付憑證皆已被使用時，則將無法再次生成條碼，換言之，使用者將須使行動通訊裝置11處於連線狀態下，並重新取得另一組的複數個支付憑證。 Please refer to "Figure 8" and refer to "Figure 1" again. As shown in the figure, in the offline payment step S105, when the user leaves the barcode display screen and wants to display the barcode again to the merchant sales device 14, Will be heavy The new offline payment step S105 is performed, and the user is required to input the payment amount again. The barcode generation module 1133 of the preferential application 113 regenerates at least one barcode. Specifically, the barcode is included in the barcode. The payment voucher is different from the first bar code. If the bar code displayed for the first time is the second payment voucher, the redisplayed bar code will use the third payment voucher, and when the plurality of payment voucher stored in the mobile communication device 11 has been used, When used, the barcode will not be generated again. In other words, the user will have to make the mobile communication device 11 in the connected state and re-acquire the other plurality of payment credentials.
由上所述可知，本發明之行動支付系統，係包括有一行動通訊裝置、一服務端伺服器、一支付端伺服器以及一商家端銷售設備，行動通訊裝置包括有一中央處理模組，並有一網路通訊模組及一優惠應用程式與中央處理模組呈資訊連結，又，優惠應用程式具有一優惠資訊存取模組、一支付模組、一條碼生成模組及一連線偵測模組，服務端伺服器則分別可與行動通訊裝置、支付端伺服器以及商家端銷售設備形成資訊連結，其係包括有一支付代碼生成模組、一支付憑證生成模組、一憑證解析模組、一支付資料庫及一優惠資訊資料庫，再者，商家端銷售設備包括有一終端銷售機與一條碼掃描機； As can be seen from the above, the mobile payment system of the present invention includes a mobile communication device, a server server, a payment server, and a merchant sales device. The mobile communication device includes a central processing module and has a The network communication module and a preferential application are linked to the central processing module. The preferential application has a preferential information access module, a payment module, a code generation module and a connection detection module. The server server can form a information link with the mobile communication device, the payment server, and the merchant sales device, and includes a payment code generation module, a payment certificate generation module, and a voucher analysis module. a payment database and a preferential information database, and the merchant sales device includes a terminal sales machine and a code scanner;
承上，本發明之行動支付系統的實施方法，係為優惠應用程式經執行後，藉由支付模組進行至少一支付方式的綁定，使用者輸入一支付資料，服務端伺服器將支付資料 轉而發送至與支付方式相應之支付端伺服器，並請求驗證該筆支付資料是否正確，若驗證成功，則服務端伺服器依據一代碼編碼規則生成一個支付代碼，並分別儲存至支付資料庫及發送至行動通訊裝置，完成支付方式的驗證與綁定，接續，透過優惠資訊存取模組瀏覽複數筆優惠資訊，並於存取至少一筆優惠資訊後，可再藉由支付模組進行款項的支付，此時，行動通訊裝置將發送包含優惠資訊、支付代碼及付款資訊等資料至服務端伺服器，而支付憑證生成模組依據一憑證編碼規則，生成複數個支付憑證，當使用者抵達商家，並欲進行優惠資訊的使用時，連線偵測模組將偵測網路通訊模組的無線連線情況，並判斷為一連線狀態或一離線狀態，若為連線狀態，則條碼生成模組將生成包含有一第一支付憑證的至少一個條碼，經條碼掃描機讀取條碼，並藉由終端銷售機輸入支付金額後，條碼資訊與支付金額被傳送至服務端伺服器，憑證解析模組將解讀條碼資訊以獲知第一支付憑證，並確認有效性及向支付端伺服器請求扣款，完成扣款後，回覆扣款成功之通知，然而，若連線偵測模組判斷網路通訊模組為一離線狀態，則將先行要求使用者自行輸入支付金額，條碼生成模組再生成包含有一第二支付憑證及支付金額的至少一個條碼，以條碼掃描機讀取條碼後，條碼資訊將被傳送至服務端伺服器，憑證解析模組解讀條碼資訊，以獲知第二支付憑證及支付金額，並確認有效性及向支付端伺服器請求扣款，完成扣款後，回覆扣款成功之通知； 是以，本發明據以實施後，確實可達到提供一種行動通訊裝置於連線狀態或離線狀態下，皆可完成款項之支付及優惠資訊之兌換的行動支付系統及其實施方法。 The implementation method of the mobile payment system of the present invention is that after the preferential application is executed, the payment module performs binding of at least one payment method, and the user inputs a payment data, and the server server pays the data. Transmitted to the payment server corresponding to the payment method, and requested to verify whether the payment data is correct. If the verification is successful, the server server generates a payment code according to a code encoding rule, and stores it in the payment database separately. And sent to the mobile communication device to complete the verification and binding of the payment method, and then access the plurality of preferential information through the preferential information access module, and after accessing at least one preferential information, the payment module can be used for payment. The payment, at this time, the mobile communication device will send the information including the preferential information, the payment code and the payment information to the server, and the payment certificate generation module generates a plurality of payment certificates according to a voucher encoding rule, when the user arrives When the merchant wants to use the preferential information, the connection detection module will detect the wireless connection status of the network communication module, and determine whether it is a connected state or an offline state, if it is connected, then The barcode generation module generates at least one barcode including a first payment certificate, and reads the barcode through the barcode scanner. After the end sales machine inputs the payment amount, the barcode information and the payment amount are transmitted to the server server, and the voucher parsing module will interpret the bar code information to obtain the first payment voucher, confirm the validity and request the debit from the payment server. After the deduction is completed, the notification of the successful deduction is returned. However, if the connection detection module determines that the network communication module is in an offline state, the user will be required to input the payment amount first, and the barcode generation module is regenerated. There is at least one bar code of the second payment voucher and the payment amount. After the bar code scanner reads the bar code, the bar code information is transmitted to the server server, and the voucher parsing module interprets the bar code information to know the second payment voucher and the payment amount. And confirm the validity and request deduction from the payment server, and reply to the successful deduction after the deduction is completed; Therefore, after the implementation of the present invention, it is indeed possible to provide an action payment system and a method for implementing the payment of the payment and the redemption of the preferential information by providing a mobile communication device in a connected state or an offline state.
唯，以上所述者，僅為本發明之較佳之實施例而已，並非用以限定本發明實施之範圍；任何熟習此技藝者，在不脫離本發明之精神與範圍下所作之均等變化與修飾，皆應涵蓋於本發明之專利範圍內。 The above description is only for the preferred embodiment of the present invention, and is not intended to limit the scope of the present invention; any changes and modifications made by those skilled in the art without departing from the spirit and scope of the invention All should be covered by the patent of the present invention.
綜上所述，本發明之功效，係具有發明之「產業可利用性」、「新穎性」與「進步性」等專利要件；申請人爰依專利法之規定，向 鈞局提起發明專利之申請。 In summary, the effects of the present invention are patents such as "industry availability," "novelty," and "progressiveness" of the invention; the applicant filed an invention patent with the bureau in accordance with the provisions of the Patent Law. Application.
S10‧‧‧行動支付系統的實施方法 Implementation method of S10‧‧‧ mobile payment system
S101‧‧‧支付方式驗證步驟 S101‧‧‧ Payment method verification procedure
S102‧‧‧支付憑證生成步驟 S102‧‧‧ Payment Document Generation Step
S103‧‧‧連線狀態偵測步驟 S103‧‧‧Connection Status Detection Procedure
S104‧‧‧連線狀態支付步驟 S104‧‧‧Connection status payment procedure
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