TWI633507B - System for mobile payment, payment method thereof, computer program product - Google Patents
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Abstract
一種用於行動支付之行動裝置，其包括：一觸控螢幕，輸入一交易金額，指定一交易帳號，顯示具有一交易時間、一交易驗證碼、該交易帳號、一交易代碼、一備註欄位及一發卡行之其中多個之一QR code；以及一處理器，以一交易金鑰運用一金鑰演算法將該交易金額、該交易時間、該交易帳號及該交易代碼之其中多個進行運算以獲得該交易驗證碼，將該交易時間、該交易帳號、該交易代碼、該備註欄位、該交易驗證碼及該發卡行之其中多個組譯成該QR code，並傳送該QR code至該觸控螢幕。本發明還包括用於行動支付之行動裝置之支付方法及電腦程式產品。 A mobile device for mobile payment, comprising: a touch screen, inputting a transaction amount, designating a transaction account number, displaying a transaction time, a transaction verification code, the transaction account number, a transaction code, and a remark field And a QR code of one of the card issuing lines; and a processor, using a transaction key to perform the transaction amount, the transaction time, the transaction account number and the transaction code by using a key algorithm Computing to obtain the transaction verification code, translating the transaction time, the transaction account number, the transaction code, the remark field, the transaction verification code, and the plurality of groups of the issuing bank into the QR code, and transmitting the QR code To the touch screen. The present invention also includes a payment method and a computer program product for a mobile device for mobile payment.
Description
本發明有關於金融機構之領域，特別有關於一種用於行動支付之行動裝置及其支付方法、電腦程式產品。 The present invention relates to the field of financial institutions, and more particularly to a mobile device for mobile payment, a payment method thereof, and a computer program product.
隨著科技進展，金融機構提供服務之方式，逐漸由傳統實體銀行據點，延伸至線上服務，如網路銀行、線上刷卡、行動支付…等服務方式，以增進客戶與金融機構進行金融操作之便利性。 With the advancement of technology, the way financial institutions provide services has gradually extended from traditional physical bank locations to online services such as online banking, online credit card, mobile payment, etc. to enhance the convenience of financial operations for customers and financial institutions. Sex.
行動支付是指使用行動裝置進行付款的服務。在不需使用現金、支票或***的情況下，消費者可使用行動裝置支付各項服務或數位及實體商品的費用。主要的行動支付方式共有四種類型：簡訊為基礎的轉帳支付、行動帳單付款、行動裝置網路支付(WAP)和非接觸型支付(NFC)。 Mobile payment refers to the service of using mobile devices for payment. Consumers can use mobile devices to pay for services or digital and physical goods without the use of cash, checks or credit cards. There are four main types of mobile payment methods: SMS-based transfer payments, action bill payments, mobile device network payments (WAP), and contactless payments (NFC).
其中QR code支付亦是現行的行動支付中的一種支付方式，惟目前尚無QR code支付，是主要以現行之跨行交易的平台與驗證機制，以完成交易及付款之方式。 The QR code payment is also a payment method in the current action payment. However, there is currently no QR code payment, which is mainly based on the current platform and verification mechanism of inter-bank transactions to complete the transaction and payment.
有鑒於上述問題，本發明之目的係提供一種用於行動支付之行動裝置及其支付方法、電腦程式產品，由行動裝置提供具有交易資訊之QR code供店家之掃描器掃描，以完成交易及付款，並且行動裝置提供之QR code具有交易驗證碼，以對交易進行驗證而確保交 易的安全性。 In view of the above problems, an object of the present invention is to provide a mobile device for mobile payment, a payment method thereof, and a computer program product, wherein a QR code with transaction information is provided by a mobile device for scanning by a store scanner to complete transactions and payment. And the QR code provided by the mobile device has a transaction verification code to verify the transaction and ensure delivery Easy security.
本發明之第一態樣係提供一種用於行動支付之行動裝置，其包括：一觸控螢幕，輸入一交易金額，指定一交易帳號，顯示具有一交易時間、該交易帳號、一交易代碼、一備註欄位、一交易驗證碼及一發卡行之其中多個之一QR code；以及一處理器，以一交易金鑰運用一金鑰演算法將該交易金額、該交易時間、該交易帳號及該交易代碼之其中多個進行運算以獲得該交易驗證碼，將該交易時間、該交易帳號、該交易代碼、該備註欄位、該交易驗證碼及該發卡行之其中多個組譯成該QR code，並傳送該QR code至該觸控螢幕。 The first aspect of the present invention provides a mobile device for mobile payment, comprising: a touch screen, inputting a transaction amount, designating a transaction account number, displaying a transaction time, the transaction account number, a transaction code, a remark field, a transaction verification code, and a QR code of one of the card issuing lines; and a processor, using a transaction key to use a key algorithm to calculate the transaction amount, the transaction time, and the transaction account number And a plurality of the transaction code are operated to obtain the transaction verification code, and the transaction time, the transaction account number, the transaction code, the remark field, the transaction verification code, and the plurality of groups of the issuing bank are translated into The QR code and send the QR code to the touch screen.
本發明之第二態樣係提供一種用於行動支付之行動裝置之支付方法，該方法應用於包括一觸控螢幕及一處理器之該行動裝置，該支付方法包括下列步驟：於該觸控螢幕上輸入一交易金額，並指定一交易帳號；由該處理器以一交易金鑰運用一金鑰演算法將該交易金額、一交易時間、該交易帳號及一交易代碼之其中多個進行運算以獲得一交易驗證碼；由該處理器將該交易時間、該交易帳號、該交易代碼、一備註欄位、該交易驗證碼及一發卡行之其中多個組譯成該QR code，並傳送該QR code至該觸控螢幕；以及由該觸控螢幕顯示具有該交易時間、該交易帳號、該交易代碼、該備註欄位、該交易驗證碼及該發卡行之其中多個之該QR code。 The second aspect of the present invention provides a payment method for a mobile device for mobile payment. The method is applied to the mobile device including a touch screen and a processor. The payment method includes the following steps: Entering a transaction amount on the screen and designating a transaction account number; the processor uses a key algorithm to calculate the transaction amount, a transaction time, the transaction account number, and a transaction code by using a transaction key. Obtaining a transaction verification code; the processor translating the transaction time, the transaction account number, the transaction code, a remark field, the transaction verification code, and a plurality of groups of a card issuing bank into the QR code, and transmitting Transmitting the QR code to the touch screen; and displaying, by the touch screen, the QR code having the transaction time, the transaction account number, the transaction code, the remark field, the transaction verification code, and the card issuer .
本發明之第三態樣係提供一種內儲一程式之電腦程式 產品，當行動裝置於電腦程式產品載入該程式並執行後，可完成本發明之第二態樣之方法。 The third aspect of the present invention provides a computer program for storing a program The product, when the mobile device is loaded into the program and executed by the computer program product, can complete the second aspect of the present invention.
10‧‧‧跨行系統 10‧‧‧Interline system
12‧‧‧掃描器 12‧‧‧Scanner
20‧‧‧行動裝置 20‧‧‧ mobile devices
22‧‧‧處理器 22‧‧‧ Processor
24‧‧‧觸控螢幕 24‧‧‧ touch screen
26‧‧‧傳輸介面 26‧‧‧Transport interface
30‧‧‧銀行支付平台 30‧‧‧Bank Payment Platform
圖1為本發明之用於行動支付之系統架構之示意方塊圖；以及圖2為本發明之用於行動支付之支付方法之流程圖。 1 is a schematic block diagram of a system architecture for mobile payment according to the present invention; and FIG. 2 is a flow chart of a payment method for mobile payment according to the present invention.
為使熟習本發明所屬技術領域之一般技藝者能更進一步了解本發明，下文特列舉本發明之較佳實施例，並配合所附圖式，詳細說明本發明的構成內容及所欲達成之功效。 The present invention will be further understood by those of ordinary skill in the art to which the present invention pertains. .
圖1為本發明之用於行動支付之系統架構之示意方塊圖。在圖1中，可以是智慧型手機或平板電腦等之行動裝置20與一跨行系統10及一銀行支付平台30以無線傳輸方式進行雙向資料傳輸。行動裝置20包括一處理器22、一觸控螢幕24及一傳輸介面26。 1 is a schematic block diagram of a system architecture for mobile payment according to the present invention. In FIG. 1, a mobile device such as a smart phone or a tablet computer can perform bidirectional data transmission in a wireless transmission manner with a traversing system 10 and a bank payment platform 30. The mobile device 20 includes a processor 22, a touch screen 24, and a transmission interface 26.
當消費者與店家進行交易時，消費者藉由行動裝置20之觸控螢幕24輸入一交易金額。行動裝置20上可載入多張虛擬的支付工具(例如，金融卡、***或儲值卡)之交易帳號，消費者再透過內建於行動裝置20中錢包軟體(Wallet app)選擇所要使用的支付工具之交易帳號進行交易，因此，只需要攜帶行動裝置20出門便可進行交易支付作業，而可提升交易的方便性。 When the consumer makes a transaction with the store, the consumer enters a transaction amount via the touch screen 24 of the mobile device 20. The transaction device 20 can load a transaction account number of multiple virtual payment instruments (for example, a financial card, a credit card or a stored value card), and the consumer selects the desired account through the Wallet app built in the mobile device 20. The transaction account of the payment instrument performs the transaction, so that only the mobile device 20 needs to be carried out to perform the transaction payment operation, and the transaction convenience can be improved.
處理器22經由傳輸介面26接收銀行支付平台30傳送之一交易金鑰，該交易金鑰是非固定值之交易金鑰，其中非固定值之交易金鑰係行動裝置20每次進行交易時之交易金鑰皆不相同，可確保行動裝置20進行行動支付的安全性。 The processor 22 receives, via the transmission interface 26, a transaction key transmitted by the bank payment platform 30, the transaction key being a transaction key of a non-fixed value, wherein the transaction key of the non-fixed value is a transaction each time the transaction device 20 performs the transaction. The keys are all different, which ensures the security of the mobile device 20 for mobile payment.
處理器22以從銀行支付平台30接收之交易金鑰運用習知一金鑰演算法將消費者所輸入之交易金額、此次交易之交易時間、消費者所選擇之支付工具之交易帳號、交易代碼之部分或全部進行運算以獲得一交易驗證碼，處理器22將交易時間、支付工具之交易帳號、交易代碼、備註欄位、交易驗證碼及發卡行組譯成一QR code，並傳送該QR code至觸控螢幕24，而由觸控螢幕24顯示該QR code，如圖1所示。 The processor 22 uses the transaction key received from the bank payment platform 30 to calculate the transaction amount entered by the consumer, the transaction time of the transaction, the transaction account number of the payment instrument selected by the consumer, and the transaction using the transaction key received from the bank payment platform 30. Part or all of the code is operated to obtain a transaction verification code, and the processor 22 translates the transaction time, the transaction account of the payment instrument, the transaction code, the remark field, the transaction verification code, and the issuing bank group into a QR code, and transmits the The QR code is to the touch screen 24, and the QR code is displayed by the touch screen 24, as shown in FIG.
店家之掃描器12掃描行動裝置20之觸控螢幕24上QR code，掃描器12將所掃描之QR code解譯出交易時間、支付工具之交易帳號、交易代碼、備註欄位、交易驗證碼及發卡行，店家藉由一店家終端裝置(未圖示)輸入交易金額，並將交易金額、交易時間、交易代碼、交易驗證碼、支付工具之交易帳號、備註欄位、發卡行及端末設備查核碼等傳送至跨行系統10。 The scanner 12 of the store scans the QR code on the touch screen 24 of the mobile device 20, and the scanner 12 interprets the scanned QR code from the transaction time, the transaction account of the payment instrument, the transaction code, the remark field, the transaction verification code, and The issuing bank, the store enters the transaction amount by a store terminal device (not shown), and checks the transaction amount, transaction time, transaction code, transaction verification code, transaction account of the payment instrument, remark field, issuer and end device check. The code or the like is transmitted to the interline system 10.
跨行系統10將所接收到之交易金額、交易時間、交易代碼、交易驗證碼、支付工具之交易帳號、備註欄位、發卡行及端末設備查核碼傳送至相應發卡行之銀行支付平台30。銀行支付平台30以傳送至行動裝置20之交易金鑰運用金鑰演算法將交易金額、此次交易之交易時間、消費者所選擇之支付工具之交易帳號、交易代碼之部分或全部進行運算以得到一驗證比較碼，而將該驗證比較碼與所接收之交易驗證碼進行比較。 The interbank system 10 transmits the received transaction amount, transaction time, transaction code, transaction verification code, transaction account number of the payment instrument, remark field, issuer line, and end device check code to the bank payment platform 30 of the corresponding issuer. The bank payment platform 30 uses the transaction key transmitted to the mobile device 20 to calculate the transaction amount, the transaction time of the transaction, the transaction account number of the payment instrument selected by the consumer, and part or all of the transaction code. A verification comparison code is obtained, and the verification comparison code is compared with the received transaction verification code.
若銀行支付平台30判斷驗證比較碼與交易驗證碼不一致，則銀行支付平台30傳送一交易失敗訊息至行動裝置20，或者銀行支付平台30傳送交易失敗訊息至跨行系統10，跨行系統10再將交易失敗訊息轉發至行動裝置20，處理器22經由傳輸介面26接收交易失 敗訊息，並傳送至觸控螢幕24以顯示給消費者觀看；若銀行支付平台30判斷驗證比較碼與交易驗證碼一致，則銀行支付平台30依據交易金額進行扣款，並傳送一支付完成訊息至行動裝置20，或者銀行支付平台30傳送支付完成訊息至跨行系統10，跨行系統10再將支付完成訊息轉發至行動裝置20，處理器22經由傳輸介面26接收支付完成訊息，並傳送至觸控螢幕24以顯示給消費者觀看。 If the bank payment platform 30 determines that the verification comparison code is inconsistent with the transaction verification code, the bank payment platform 30 transmits a transaction failure message to the mobile device 20, or the bank payment platform 30 transmits a transaction failure message to the inter-bank system 10, and the inter-bank system 10 re-transactions The failure message is forwarded to the mobile device 20, and the processor 22 receives the transaction loss via the transmission interface 26. The message is lost and transmitted to the touch screen 24 for display to the consumer for viewing; if the bank payment platform 30 determines that the verification comparison code is consistent with the transaction verification code, the bank payment platform 30 debits according to the transaction amount and transmits a payment completion message. To the mobile device 20, or the bank payment platform 30 transmits a payment completion message to the inter-bank system 10, the inter-bank system 10 forwards the payment completion message to the mobile device 20, and the processor 22 receives the payment completion message via the transmission interface 26 and transmits the payment completion message to the touch device. The screen 24 is displayed to the consumer for viewing.
圖2為本發明之用於行動支付之支付方法之流程圖。在說明圖2之流程步驟時參考圖1之系統架構。 2 is a flow chart of a payment method for mobile payment according to the present invention. Referring to the system architecture of Figure 1, the process architecture of Figure 2 is illustrated.
在圖2中，當消費者與店家進行交易時，消費者透過內建於行動裝置20中錢包軟體選擇所要使用的支付工具進行交易，並且藉由行動裝置20之觸控螢幕24輸入一交易金額(步驟S40)。 In FIG. 2, when the consumer conducts a transaction with the store, the consumer selects the payment tool to be used by the wallet software built in the mobile device 20, and enters a transaction amount through the touch screen 24 of the mobile device 20. (Step S40).
由處理器22經由傳輸介面26接收銀行支付平台30傳送之一交易金鑰(步驟S42)，該交易金鑰是非固定值之交易金鑰，其中非固定值之交易金鑰係行動裝置20每次進行交易時之交易金鑰皆不相同，可確保行動裝置20進行行動支付的安全性。 The transaction key is transmitted by the processor 22 via the transmission interface 26 via the transmission interface 26 (step S42), the transaction key being a non-fixed value transaction key, wherein the non-fixed value transaction key is the mobile device 20 each time The transaction keys are different when the transaction is made, and the security of the mobile payment by the mobile device 20 can be ensured.
由處理器22以從銀行支付平台30接收之交易金鑰運用習知金鑰演算法將消費者所輸入之交易金額、此次交易之交易時間、消費者所選擇之支付工具之交易帳號及交易代碼之部分或全部進行運算以獲得一交易驗證碼(步驟S44)。 The amount of the transaction entered by the consumer, the transaction time of the transaction, the transaction account number of the payment instrument selected by the consumer, and the transaction are processed by the processor 22 using the transaction key using the transaction key from the bank payment platform 30. Some or all of the code is operated to obtain a transaction verification code (step S44).
由處理器22將交易時間、交易帳號、交易代碼、備註欄位、交易驗證碼及發卡行組譯成一QR code，並傳送該QR code至觸控螢幕24，而由觸控螢幕24顯示該QR code(步驟S46)，如圖1所示。 The transaction time, the transaction account number, the transaction code, the remark field, the transaction verification code and the issuing bank group are translated into a QR code by the processor 22, and the QR code is transmitted to the touch screen 24, and the touch screen 24 displays the QR code (step S46), as shown in Figure 1.
由店家之掃描器12掃描行動裝置20之觸控螢幕24上QR code，掃描器12將所掃描之QR code解譯出交易時間、交易帳號、 交易代碼、備註欄位、交易驗證碼及發卡行，店家藉由店家終端裝置輸入交易金額，並將交易金額、交易時間、交易代碼、交易驗證碼、支付工具之交易帳號、備註欄位、發卡行及端末設備查核碼等傳送至跨行系統10(步驟S48)。 The scanner 12 of the store scans the QR code on the touch screen 24 of the mobile device 20, and the scanner 12 interprets the scanned QR code from the transaction time, transaction account number, Transaction code, remarks field, transaction verification code and issuing bank, the store enters the transaction amount by the store terminal device, and the transaction amount, transaction time, transaction code, transaction verification code, transaction account account number, remark field, card issuance The line and end device check code and the like are transmitted to the interline system 10 (step S48).
由跨行系統10將所接收到之交易金額、交易時間、交易代碼、交易驗證碼、支付工具之交易帳號、備註欄位、發卡行及端末設備查核碼等傳送至相應發卡行之銀行支付平台30。 The transaction amount, the transaction time, the transaction code, the transaction verification code, the transaction account number of the payment instrument, the remark field, the issuing bank, and the terminal device checking code are transmitted by the inter-banking system 10 to the bank payment platform 30 of the corresponding issuing bank. .
由銀行支付平台30以傳送至行動裝置20之交易金鑰運用金鑰演算法將交易金額、交易時間、交易帳號及交易代碼之部分或全部進行運算以得到一驗證比較碼(步驟S50)。 The transaction payment key transmitted to the mobile device 20 is used by the bank payment platform 30 to calculate part or all of the transaction amount, transaction time, transaction account number and transaction code to obtain a verification comparison code (step S50).
由銀行支付平台30將運算得到之驗證比較碼與所接收之交易驗證碼進行比較(步驟S52)。若銀行支付平台30判斷驗證比較碼與交易驗證碼不一致，則銀行支付平台30傳送一交易失敗訊息至行動裝置20，或者銀行支付平台30傳送交易失敗訊息至跨行系統10，跨行系統10再將交易失敗訊息轉發至行動裝置20，處理器22經由傳輸介面26接收交易失敗訊息，並傳送至觸控螢幕24以顯示給消費者觀看。 The calculated verification comparison code obtained by the bank payment platform 30 is compared with the received transaction verification code (step S52). If the bank payment platform 30 determines that the verification comparison code is inconsistent with the transaction verification code, the bank payment platform 30 transmits a transaction failure message to the mobile device 20, or the bank payment platform 30 transmits a transaction failure message to the inter-bank system 10, and the inter-bank system 10 re-transactions The failure message is forwarded to the mobile device 20, and the processor 22 receives the transaction failure message via the transmission interface 26 and transmits it to the touch screen 24 for display to the consumer for viewing.
若銀行支付平台30判斷驗證比較碼與交易驗證碼一致，則由銀行支付平台30依據交易金額進行扣款，並傳送一支付完成訊息至行動裝置20，或者銀行支付平台30傳送支付完成訊息至跨行系統10，跨行系統10再將支付完成訊息轉發至行動裝置20，由處理器22經由傳輸介面26接收支付完成訊息，並傳送至觸控螢幕24以顯示給消費者觀看(步驟S54)。 If the bank payment platform 30 determines that the verification comparison code is consistent with the transaction verification code, the bank payment platform 30 debits according to the transaction amount, and transmits a payment completion message to the mobile device 20, or the bank payment platform 30 transmits the payment completion message to the inter-bank. The system 10, the inter-bank system 10 then forwards the payment completion message to the mobile device 20, and the processor 22 receives the payment completion message via the transmission interface 26 and transmits it to the touch screen 24 for display to the consumer for viewing (step S54).
本發明之上述提供用於行動支付之行動裝置之支付方 法可以一電腦程式產品來完成，當行動裝置例如從網路下載該電腦程式產品並執行後，便可完成如上述說明及圖式中所示之方法步驟。 The above-mentioned payment party for providing a mobile device for mobile payment The method can be implemented by a computer program product. After the mobile device downloads the computer program product from the network and executes it, the method steps shown in the above description and the drawings can be completed.
本發明係提供一種用於行動支付之行動裝置及其支付方法、電腦程式產品，由行動裝置提供具有交易資訊之QR code供店家之掃描器掃描，以完成交易及付款，並且行動裝置提供之QR code具有交易驗證碼，以對交易進行驗證而確保交易的安全性。 The present invention provides a mobile device for mobile payment, a payment method thereof, and a computer program product. The QR code for the transaction information is provided by the mobile device for scanner scanning of the store to complete the transaction and payment, and the QR provided by the mobile device The code has a transaction verification code to verify the transaction and ensure the security of the transaction.
雖然本發明已參照較佳具體例及舉例性附圖敘述如上，惟其應不被視為係限制性者。熟悉本技藝者對其形態及具體例之內容做各種修改、省略及變化，均不離開本發明之請求項之所主張範圍。 The present invention has been described above with reference to the preferred embodiments and the accompanying drawings, and should not be considered as limiting. Various modifications, omissions and changes may be made without departing from the scope of the claims of the invention.
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| TW201903669A (en) | 2019-01-16 |
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