TWM606796U - System for interbank payment using traffic code of QR code - Google Patents

System for interbank payment using traffic code of QR code Download PDF

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Publication number
TWM606796U
TWM606796U TW109211712U TW109211712U TWM606796U TW M606796 U TWM606796 U TW M606796U TW 109211712 U TW109211712 U TW 109211712U TW 109211712 U TW109211712 U TW 109211712U TW M606796 U TWM606796 U TW M606796U
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Taiwan
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code
payment
bank
server
transportation
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TW109211712U
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郭芳志
黃雲飛
鄭欣怡
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財金資訊股份有限公司
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Abstract

一種利用QR碼之交通碼進行跨行支付之系統，於一行動裝置中安裝有一支付應用程式並設定一付款帳號，在支付應用程式中選擇支付一交通費用；，當行動裝置準備搭乘交通運輸工具時，一發卡銀行伺服器對付款帳號圈存一預設金額，並發送要求交通碼之一通知訊息給一介接平台伺服器；介接平台伺服器接收通知訊息並產生一QR碼，再將QR碼透過發卡銀行伺服器提供給行動裝置；票證驗票機具掃描行動裝置上之QR碼並開啟閘門。本創作提供了透過中介機構產生QR碼跨行付款的系統，且可套用於所有支付型票券的交通業者，統一規格且提高乘客支付交通費用的便利性。A system for cross-bank payment using the traffic code of the QR code. A payment application is installed in a mobile device and a payment account is set. In the payment application, you can choose to pay a transportation fee; when the mobile device is ready to take the transportation. , A card-issuing bank server loads a preset amount to the payment account, and sends a notification message requesting a traffic code to an interface platform server; the interface platform server receives the notification message and generates a QR code, and then the QR code Provide it to the mobile device through the server of the issuing bank; the ticket verification machine scans the QR code on the mobile device and opens the gate. This creation provides a system that generates QR codes for inter-bank payment through intermediary agencies, and can be applied to all transportation operators of payment-type tickets, unifying specifications and improving the convenience of passengers paying for transportation.

Description

利用QR碼之交通碼進行跨行支付之系統System for cross-bank payment using QR code traffic code

本創作係有關一種交通費用支付之金流技術，特別是指一種利用QR碼之交通碼進行跨行支付之系統。This creation is related to a payment technology for transportation expenses, especially a system that uses the transportation code of QR code for inter-bank payment.

對於不能預先購票、僅能當場支付的支付型交通方式，如公車、捷運、客運、渡輪等，目前多是現場購買一次***通票券，或是以儲值卡在進、出站閘門/車機等票證驗票機具刷卡記帳扣款。雖然各家銀行紛紛推出可利用存款帳號線上扣款的支付功能，但交通業者需逐一與各銀行進行串接、對帳，及離線驗證等作業。For payment-type transportation methods that cannot be purchased in advance and can only be paid on the spot, such as bus, MRT, passenger transport, ferry, etc., currently most of them are purchased on-site one-time transportation tickets, or stored-value cards at the entrance and exit gates /Ticket verification machines such as cars and machines, credit card deductions. Although various banks have introduced payment functions that can use deposit account online deductions, transportation operators need to perform operations such as concatenation, reconciliation, and offline verification with each bank one by one.

現有的線上支付技術主要包括感應式支付乘車及掃碼支付交通運輸費用。其中，現有***感應式支付乘車分為日中及日終處理方式，日中處理係於閘門感應後交通業者驗證灰名單及***有效期後開閘門讓乘客進入，並記錄乘車資訊於業者後台，若該卡片為周期內首次搭乘，則交通業者可送交易至發卡行進行驗證；日終處理則是交通業者彙整每日之乘車資訊結算款項後，經由***交易系統整批送銀行進行後續請款作業。The existing online payment technologies mainly include contactless payment for rides and scanning codes to pay for transportation expenses. Among them, the existing credit card contactless payment for the ride is divided into day-to-day and day-end processing. The day-to-day processing is after the gate is sensed, the traffic industry verifies the gray list and the credit card is valid after the gate opens for passengers to enter, and records the ride information in the business background , If the card is the first ride in the cycle, the transportation company can send the transaction to the card issuing bank for verification; the end-of-day processing is that the transportation company collects the daily ride information and settles the payment, and then sends it to the bank in a batch through the credit card transaction system for follow-up Please pay for homework.

掃碼支付乘車在目前國內係由支付業者提供於交通場域，如Line Pay一卡通等提供其使用者於高雄捷運掃描乘車碼，此作法缺點為僅限單一支付業者(Line Pay一卡通)之用戶使用，且此為預先儲值金額於其電子支付帳戶並使用該帳戶支付交通費用之作法，無法直接使用銀行帳戶扣款。掃碼支付乘車的另一實施態樣為提供交通工具交易之業者，如台灣高鐵，但其目前僅提供預購型票券購買(亦即乘車前已知車資並須在乘車前付款)，尚未提供支付型乘車碼(亦即出站後方知車資並付款)，且此做法為交通業者提供自家乘客之服務，較無機會發展至其他交通場域。Scanning QR codes to pay for rides is currently provided by payment providers in transportation areas in China. For example, the Line Pay card provides its users to scan the ride code on the Kaohsiung MRT. The disadvantage of this method is that only single payment providers (Line Pay card) This is the method of pre-stored the value in their electronic payment account and use the account to pay for transportation expenses, and cannot directly use the bank account to deduct money. Another implementation aspect of QR code payment for rides is for companies that provide transportation transactions, such as Taiwan High Speed Rail, but they currently only offer pre-purchase ticket purchases (that is, the fare is known before the ride and the payment must be made before the ride) , Has not yet provided a payment-type boarding code (that is, the fare is known and paid after leaving the station), and this approach provides transportation companies with services for their own passengers, and has less chance to develop to other transportation areas.

有鑑於此，本創作針對上述習知技術之缺失及未來之需求，提出一種利用QR碼之交通碼進行跨行支付之系統，以有效解決上述該等問題，具體架構及其實施方式將詳述於下：In view of this, in response to the lack of the above-mentioned conventional technology and future needs, this creation proposes a system for cross-bank payment using QR code traffic codes to effectively solve the above problems. The specific structure and implementation methods will be detailed in under:

本創作之主要目的在提供一種利用QR碼之交通碼進行跨行支付之系統，其係由介接平台伺服器提供QR碼形式的交通碼給行動裝置，以供多家發卡銀行與不同交通業者透過介接平台伺服器交易扣款，降低各發卡銀行與交通業者逐一技術開發、串接、對帳等介接成本。The main purpose of this creation is to provide a system for cross-bank payment using the QR code traffic code. The interface platform server provides the QR code traffic code to the mobile device for multiple card issuing banks and different transportation operators through the Receiving platform server transaction deductions, reducing the cost of interfacing technology development, concatenation, and reconciliation between each card issuing bank and the transportation industry one by one.

本創作之另一目的在提供一種利用QR碼之交通碼進行跨行支付之系統，其由介接平台伺服器提供QR碼的驗證機制，以確保在通過票證驗票機具時，行動裝置出示的QR碼是由介接平台伺服器所產生的。Another purpose of this creation is to provide a system that uses the traffic code of the QR code for cross-bank payment. The interface platform server provides a QR code verification mechanism to ensure that the mobile device displays the QR code when passing the ticket verification machine. It is generated by the interface platform server.

本創作之再一目的在提供一種利用QR碼之交通碼進行跨行支付之系統，其係由發卡銀行伺服器對付款帳號進行一預設金額之圈存，待行動裝置掃碼出站後進行解圈(以上亦可以保證金方式為之)，以避免發生付款帳號無錢可扣的問題。Another purpose of this creation is to provide a system that uses the traffic code of the QR code to make inter-bank payments. The server of the issuing bank will load a preset amount of the payment account, and the mobile device will scan the code to exit the station. Circle (the above can also be used as a margin) to avoid the problem that the payment account has no money to deduct.

為達上述目的，本創作提供一種利用QR碼之交通碼進行跨行支付之系統，包括：一行動裝置，其中安裝一支付應用程式，在該支付應用程式中設定一付款帳號並選擇支付一交通費用；一發卡銀行伺服器，與該支付應用程式訊號連接，該付款帳號為該發卡銀行伺服器所核發，該發卡銀行伺服器對該付款帳號進行一預設金額之圈存，並在該發卡銀行伺服器判斷該行動裝置準備搭乘一交通運輸工具時，發送要求交通碼之一通知訊息；一介接平台伺服器，與該發卡銀行伺服器訊號連接，接收該通知訊息並產生一QR碼，再將該QR碼透過該發卡銀行伺服器提供給該行動裝置；以及至少一票證驗票機具，掃描該行動裝置上所顯示之該QR碼以進入或離開交通運輸工具。In order to achieve the above purpose, this creation provides a system for cross-bank payment using the traffic code of the QR code, including: a mobile device, in which a payment application is installed, a payment account is set in the payment application, and a transportation fee is selected to be paid ; A card-issuing bank server, connected with the payment application signal, the payment account number is issued by the card-issuing bank server, the card-issuing bank server carries a preset amount of credit to the payment account, and transfers it to the card-issuing bank When the server determines that the mobile device is ready to take a transportation tool, it sends a notification message requesting a traffic code; an interface platform server connects with the card-issuing bank server signal, receives the notification message and generates a QR code, and then The QR code is provided to the mobile device through the server of the issuing bank; and at least one ticket checking machine scans the QR code displayed on the mobile device to enter or leave the transportation.

依據本創作之實施例，該支付應用程式為該發卡銀行伺服器所部署之網路銀行應用程式，或是一支付業者所部署者。According to the embodiment of this creation, the payment application is an online banking application deployed by the card-issuing bank server, or is deployed by a payment company.

依據本創作之實施例，該行動裝置於進出通過票證驗票機具時皆開啟該支付應用程式，且從介接平台伺服器所取得之進出用的該QR碼不同。According to the embodiment of the present creation, the mobile device opens the payment application when entering and exiting the ticket verification machine, and the QR code for entering and exiting obtained from the interface platform server is different.

依據本創作之實施例，該介接平台伺服器預先產生複數組金鑰，並將該複數組金鑰中之複數公鑰提供給一交通業者的該票證驗票機具，並以該複數組金鑰中的複數私鑰簽發付款資訊於該QR碼。According to the embodiment of the present creation, the interface platform server generates a complex array of keys in advance, and provides the plurality of public keys in the complex array to the ticket verification machine of a transportation company, and uses the complex array of keys The plural private keys in the key will issue payment information to the QR code.

依據本創作之實施例，該QR碼中包括該等私鑰、該付款帳號及該發卡銀行伺服器之銀行代碼。According to the embodiment of the present creation, the QR code includes the private keys, the payment account number and the bank code of the card issuing bank server.

依據本創作之實施例，該票證驗票機具更判斷該行動裝置是否為當天首次乘車，若是，可在該票證驗票機具透過一收單行伺服器發送一在途驗證之通知給該介接平台伺服器，要求該發卡銀行伺服器確認該付款帳號之有效性。According to the embodiment of this creation, the ticket verification machine further judges whether the mobile device is the first ride on the day. If so, the ticket verification machine can send a notification of in-transit verification to the interface platform through an acquiring bank server The server requires the server of the issuing bank to confirm the validity of the payment account.

依據本創作之實施例，該發卡銀行伺服器若確認該在途驗證無誤，則依據該行動裝置使用完交通運輸工具(如出站)時供掃描的另一票證驗票機具與開始使用交通運輸工具(如進站)時之該票證驗票機具的距離計算一車資，並從該付款帳號中被圈存的該預設金額扣款。According to the embodiment of this creation, if the issuing bank server confirms that the in-transit verification is correct, it will be based on another ticket verification device for scanning when the mobile device has used the transportation means (such as out of the station) and the beginning of the use of the transportation means (For example, when entering a station), calculate a fare from the distance of the ticket verification machine and deduct the preset amount from the payment account.

依據本創作之實施例，該發卡銀行伺服器亦可於該在途驗證時，若發現該QR碼不合法，則後續可據以進行換金鑰等風險管控作業。According to the embodiment of the present creation, the card issuing bank server can also perform risk management and control operations such as key exchange if it finds that the QR code is illegal during the on-the-go verification.

依據本創作之實施例，該票證驗票機具所屬之一交通業者更建立一灰名單，並將未通過該在途驗證之該付款帳號加入該灰名單中。According to the embodiment of the present invention, a transportation company belonging to the ticket verification machine further establishes a graylist, and adds the payment account that has not passed the on-transit verification into the graylist.

依據本創作之實施例，該付款帳號解除該筆圈存，並扣除該交通用。According to the embodiment of the present invention, the payment account cancels the loading and deducts the transportation.

本創作提供一種利用QR碼之交通碼進行跨行支付之系統，請參考第1圖，其為本創作利用QR碼之交通碼進行跨行支付之系統之架構方塊圖。本創作之利用QR碼之交通碼進行跨行支付之系統10包含一行動裝置12、一發卡銀行伺服器14、一介接平台伺服器16及至少一票證驗票機具20。其中，行動裝置12中安裝有一支付應用程式122，此支付應用程式122為發卡銀行伺服器14所部署之網路銀行應用程式，或是一支付業者(圖中未示)所部署的行動支付應用程式。在支付應用程式122中設定用來支付交通碼的一付款帳號，且在支付應用程式122的使用者介面上設有一交通費用的圖標，點擊該圖標即可進行交通碼的交易。This creation provides a system for inter-bank payment using QR code traffic code, please refer to Figure 1, which is the architecture block diagram of the system for creating cross-bank payment using QR code traffic code. The system 10 for making inter-bank payment using the traffic code of QR code includes a mobile device 12, a card issuing bank server 14, an interface platform server 16 and at least one ticket verification device 20. Wherein, a payment application 122 is installed in the mobile device 12. The payment application 122 is an online banking application deployed by the card issuing bank server 14, or a mobile payment application deployed by a payment company (not shown) Program. A payment account used to pay for the traffic code is set in the payment application 122, and a traffic fee icon is set on the user interface of the payment application 122, and the traffic code transaction can be performed by clicking the icon.

本創作中，交通碼之定義為公車、捷運、客運、渡輪等支付型的交通票券，使用者無法預先在網路上購買從起點到終點票證，目前是以儲值卡在起點及終點分別感應閘門或車機的方式，得知二點之間的距離再從儲值卡中扣款。本創作不使用於諸如高鐵、台鐵等可預先得知目的地並在網路上購票的預購型票券。In this creation, the traffic code is defined as a payment type transportation ticket for bus, MRT, passenger, ferry, etc. Users cannot purchase tickets from the starting point to the ending point on the Internet in advance. Currently, the stored-value card is used at the starting point and the ending point. The way of sensing the gate or car machine, knowing the distance between two points, and then deducting the money from the stored-value card. This creation is not used for pre-purchased tickets such as high-speed rail, Taiwan Railway, etc., which can know the destination in advance and buy tickets on the Internet.

此外，交通碼的產製規則係根據交通部推動之「交通運輸虛擬票證二維條碼資料格式標準」中之開放欄位制定交易規格，供發卡銀行及行動支付業者使用。因此，本創作中的QR碼包含「交通運輸虛擬票證二維條碼資料格式標準」的制式標準，並在開放欄位中增加本創作所制定的QR碼的內容，包括付款帳號及發卡銀行伺服器14之銀行代碼。In addition, the production rules for traffic codes are based on the open fields in the "Transport Virtual Ticket Two-dimensional Barcode Data Format Standard" promoted by the Ministry of Transport to formulate transaction specifications for use by card issuing banks and mobile payment companies. Therefore, the QR code in this creation includes the standard of "Transportation Virtual Ticket Two-dimensional Barcode Data Format Standard", and the content of the QR code developed by this creation is added to the open field, including the payment account number and the issuing bank server 14 bank code.

發卡銀行伺服器14與支付應用程式122訊號連接，支付應用程式122中的付款帳號為發卡銀行伺服器14所核發。當在行動裝置12中開啟支付應用程式122並選擇以付款帳號進行交通碼的交易時，行動裝置12就會連線至發卡銀行伺服器14，發卡銀行伺服器14當即對付款帳號檢核是否完成一預設金額之圈存(或交保證金方式)，例如從付款帳號的存款金額中圈存500元，此金額只能用於支付交通碼，在解圈存之前無法再有其他用途，以確保交通業者藉由後續清算作業可從發卡銀行伺服器14取得搭乘交通工具的費用。The card issuing bank server 14 is signal-connected to the payment application 122, and the payment account number in the payment application 122 is issued by the card issuing bank server 14. When the payment application 122 is opened on the mobile device 12 and the transaction code transaction is selected by the payment account, the mobile device 12 will connect to the issuing bank server 14, and the issuing bank server 14 will immediately check whether the payment account is completed A preset amount of loading (or deposit payment method), such as loading 500 yuan from the deposit amount of the payment account, this amount can only be used to pay for the traffic code, and there is no other purpose before the loading is released to ensure The transportation operator can obtain the transportation cost from the card issuing bank server 14 through the subsequent clearing operation.

介接平台伺服器16與發卡銀行伺服器14訊號連接，其為不屬於任何銀行的第三方機構，可同時介接多家發卡銀行的發卡銀行伺服器14及多間交通業者18，做為發卡銀行和交通業者之間公正的第三方平台。發卡銀行伺服器14所傳送之通知訊息被介接平台伺服器16接收後，介接平台伺服器16對應產生一QR碼，再將QR碼透過發卡銀行伺服器14提供給行動裝置12。或是多個交通業者18先統一連接一交通業者通用平台(圖中未示)，介接平台伺服器16通過該交通業者通用平台與多間交通業者18連接。The interface platform server 16 is connected to the server 14 of the issuing bank by signal. It is a third party institution that does not belong to any bank. It can interface with the server 14 of the issuing bank of multiple issuing banks and multiple transportation operators 18 at the same time as the issuing card An impartial third-party platform between banks and transportation operators. After the notification message sent by the issuing bank server 14 is received by the interface platform server 16, the interface platform server 16 generates a QR code correspondingly, and then provides the QR code to the mobile device 12 through the issuing bank server 14. Or, a plurality of transportation operators 18 first uniformly connect to a common transportation provider platform (not shown in the figure), and the interface platform server 16 is connected to multiple transportation providers 18 through the transportation industry common platform.

票證驗票機具20屬於交通業者18，例如公車上的刷卡機或捷運站的刷卡閘門，其具有近場通訊感應及掃描等功能，可利用其中的掃描功能掃描行動裝置12上所顯示之QR碼，完成票證驗證作業，供進入或使用交通運輸工具。The ticket checking machine 20 belongs to the transportation operator 18. For example, the credit card machine on the bus or the credit card gate of the MRT station has the functions of near field communication sensing and scanning. The scanning function can be used to scan the QR displayed on the mobile device 12 Code, complete the ticket verification operation, for entering or using transportation.

應用具體流程請同時參考第2圖。Please refer to Figure 2 for the specific application process.

第2圖為應用本創作提供之利用QR碼之交通碼進行跨行支付系統10之一實施例之流程圖。首先於步驟S10中，在一行動裝置12中安裝有一支付應用程式122並設定一付款帳號，付款帳號為發卡銀行伺服器14所核發，於搭乘交通運輸工具時，在支付應用程式122中選擇支付一交通費用，亦即按下螢幕畫面中交通碼的圖標；步驟S12中，當發卡銀行伺服器14判斷行動裝置12準備進站時，對該付款帳號進行一預設金額之圈存，接著如步驟S14所述，發卡銀行伺服器14發送要求交通碼之一通知訊息給介接平台伺服器16，介接平台伺服器16接收通知訊息並產生一QR碼，再將QR碼透過發卡銀行伺服器14回傳給行動裝置12；最後，如步驟S16所述，交通業者18的票證驗票機具20掃描行動裝置12上所顯示之QR碼，俾搭乘交通運輸工具(圖中未示)。Figure 2 is a flowchart of an embodiment of the system 10 for inter-bank payment using the traffic code of QR code provided by this creation. First, in step S10, a payment application 122 is installed on a mobile device 12 and a payment account number is set. The payment account number is issued by the card issuing bank server 14. When taking transportation, select payment in the payment application 122 A transportation fee, that is, press the icon of the traffic code on the screen; in step S12, when the card issuing bank server 14 determines that the mobile device 12 is ready to enter the station, it will load a preset amount of the payment account, and then: As described in step S14, the issuing bank server 14 sends a notification message requesting a traffic code to the interface platform server 16. The interface platform server 16 receives the notification message and generates a QR code, and then transmits the QR code to the issuing bank server 14 is sent back to the mobile device 12; finally, as described in step S16, the ticket verification machine 20 of the transportation operator 18 scans the QR code displayed on the mobile device 12 to take a transportation vehicle (not shown).

特別的是，本創作中行動裝置12於通過票證驗票機具時皆需開啟支付應用程式122、並向介接平台伺服器16要求QR碼，且皆從介接平台伺服器16取得通過票證驗票機具用的QR碼。In particular, in this creation, the mobile device 12 needs to open the payment application 122 when passing the ticket verification machine, and request a QR code from the interface platform server 16, and both obtain the pass ticket verification from the interface platform server 16. QR code for ticket machine.

在本創作中更包括QR碼的驗證機制，其可利用如RSA驗證機制。介接平台伺服器16預先產生複數組金鑰，並將該等公鑰提供給交通業者18的票證驗票機具20，而私鑰則留存在介接平台伺服器16，用以簽發產生QR碼付款資訊。因此，每一QR碼中除了包括付款帳號及發卡銀行伺服器14之銀行代碼外。因此，當使用者欲通過票證驗票機具20時，票證驗票機具20掃描QR碼即可利用公鑰去驗證QR碼的合法性。This creation also includes a QR code verification mechanism, which can use such as RSA verification mechanism. The interface platform server 16 generates a complex array of keys in advance, and provides the public keys to the ticket inspection machine 20 of the transportation operator 18, and the private key is stored in the interface platform server 16 for issuing and generating QR codes Payment information. Therefore, each QR code includes the payment account number and the bank code of the card issuing bank server 14. Therefore, when the user wants to pass the ticket verification machine 20, the ticket verification machine 20 scans the QR code to use the public key to verify the validity of the QR code.

第3圖為應用本創作所提供之利用QR碼之交通碼進行跨行支付系統10之另一實施例之流程圖。使用者一天可能搭乘多次需使用支付型票券的交通工具，例如捷運或公車，而在當天的首次搭乘時，本創作還提供一在途認證的機制。如步驟S20所述，在一行動裝置12中安裝有一支付應用程式122並設定一付款帳號，付款帳號為發卡銀行伺服器14所核發，於乘車時，在支付應用程式122中選擇支付一交通費用；步驟S22中，發卡銀行伺服器14對該付款帳號進行一預設金額之圈存，若已有圈存，則不重複圈存；接著如步驟S24所述，發卡銀行伺服器14發送要求交通碼之一通知訊息給介接平台伺服器16，介接平台伺服器16接收通知訊息並產生一QR碼，再將QR碼透過發卡銀行伺服器14回傳給行動裝置12；接著如步驟S26所述，當行動裝置12搭乘運輸工具時，掃描之票證驗票機具20可判斷行動裝置12是否為當天首次乘車，若是，則於步驟S28中，票證驗票機具20透過一收單行伺服器20發送一在途驗證之通知給介接平台伺服器16，要求發卡銀行伺服器14確認付款帳號之有效性，以進行在途驗證。接著於步驟S29中，發卡銀行伺服器14確認行動裝置12是否通過在途驗證。在步驟S30中，交通業者的票證驗證機具掃描行動裝置上所顯示之QR碼；而當使用者到達目的地後，更如步驟S32所述，依據行動裝置12分別通過之票證驗票機具(如進站、出站)的票證驗票機具20的搭乘費用(如車資)，並隨後從付款帳號中被圈存的預設金額扣款。若步驟S29的在途驗證未通過，則如步驟S34，須進行置換金鑰等保全措施。Figure 3 is a flowchart of another embodiment of the system 10 for inter-bank payment using the QR code provided by the author. The user may take multiple transportations that require payment-type tickets in a day, such as MRT or bus, and on the first boarding of the day, this creation also provides a mechanism for on-the-go authentication. As described in step S20, a payment application 122 is installed in a mobile device 12 and a payment account number is set. The payment account number is issued by the card issuing bank server 14. When riding a car, choose to pay for a transportation in the payment application 122 Fees; in step S22, the card issuing bank server 14 loads a preset amount of the payment account, if there is already a load, do not repeat the load; then as described in step S24, the card issuing bank server 14 sends a request A notification message of the traffic code is sent to the interface platform server 16. The interface platform server 16 receives the notification message and generates a QR code, and then sends the QR code back to the mobile device 12 through the issuing bank server 14; then step S26 As mentioned, when the mobile device 12 rides on a means of transportation, the scanned ticket verification device 20 can determine whether the mobile device 12 is the first ride on the day. If so, in step S28, the ticket verification device 20 passes through an acquiring bank server 20 sends a notification of on-transit verification to the interface platform server 16, requesting the card issuing bank server 14 to confirm the validity of the payment account for on-transit verification. Then in step S29, the card issuing bank server 14 confirms whether the mobile device 12 passes the on-the-go verification. In step S30, the ticket verification machine of the transportation operator scans the QR code displayed on the mobile device; and when the user arrives at the destination, as described in step S32, the ticket verification machine 12 passed by the mobile device (such as The boarding fee (such as the fare) of the ticket verification device 20 for inbound and outbound), and then deducted from the preset amount loaded in the payment account. If the on-the-go verification in step S29 fails, as in step S34, security measures such as replacing the key must be performed.

不論是否為當天首次乘車，當使用交通運輸工具後，交通業者18的後台才會核算車資，並以核算後的實際搭乘費用發送通知，要求發卡銀行伺服器14扣款。發卡銀行伺服器16解除該筆圈存，並從付款帳號扣除費用後，以確保交通業者18能順利取得款項。Regardless of whether it is the first ride on the day or not, when the transportation means is used, the back office of the transportation operator 18 will only calculate the fare, and send a notification based on the calculated actual ride cost, requesting the issuing bank server 14 to deduct the payment. The server 16 of the issuing bank cancels the loading and deducts the fee from the payment account to ensure that the transportation operator 18 can obtain the payment smoothly.

此外，交通業者18更可建立一灰名單，並將未通過在途驗證之付款帳號加入灰名單中，或是曾經逃票過的付款帳號也會被列入灰名單。當使用者用被加入灰名單的付款帳號要求交通碼的時候，雖然還是可從介接平台伺服器16取得QR碼，但在使用交通運輸工具時就無法通過票證驗票機具20的檢核，票證驗票機具20不會開啟。In addition, the transportation operator 18 can also create a graylist, and add payment accounts that have not passed the on-the-go verification into the graylist, or payment accounts that have evaded fare will also be included in the graylist. When a user requests a traffic code with a graylisted payment account, although the QR code can still be obtained from the interface platform server 16, it cannot pass the check of the ticket verification device 20 when using transportation. The ticket checking device 20 will not turn on.

因此，本創作所提供之一種利用QR碼之交通碼進行跨行支付之系統具有以下優點： 1.     提供統一標準，以擴大適用場域及使用者。讓各金融機構皆可依據此QR碼的規格推廣到所有使用支付型票券之交通業者，無須自行發展進出交通業者閘門機制與功能，並可提供交通業者前端交易訊息即時交換、後端款項快速結(清)算服務；透過第三方平台(本創作之介接平台伺服器)統一標準的另一優點更可降低多交通業者對多金融機構介接之成本，強化交易介接處理及結(清)算效率，進而提升消費者使用既有金融帳戶支付之便利性； 2.     提供金融帳戶支付方式可擴大使用族群。既有已推行之***支付方式僅限於年滿20歲已持有***之使用者，而透過綁定金融帳戶扣款可擴大到20歲以下的使用族群，讓所有有金融帳戶之使用者透過任一業者之支付軟體，即可使用行動裝置搭乘大眾運輸工具且直接從金融帳戶扣款，後續不須再繳費或儲值，大幅提高支付之便利性； 3.     提升交通業者介接作業效率。由於收單行和發卡銀行之間也透過介接平台伺服器連接，因此交通業者透過收單行與既有金融卡支付系統串接時可免除逐一與銀行介接之工程即可跨行交易；及 4.     使用QR碼以支援所有行動裝置。目前交通業者已提供利用近場通訊的感應交易，而本創作再增加QR碼傳遞資訊的方式給交通業者，可提升支援之行動裝置多元應用場域及便利國人使用既有之支付工具。 Therefore, the system provided by this creation that uses the traffic code of the QR code for inter-bank payment has the following advantages: 1. Provide uniform standards to expand applicable fields and users. Allows financial institutions to extend the QR code to all transportation operators who use payment-type tickets, without the need to develop their own entry and exit gate mechanisms and functions, and provide transportation operators with instant exchange of front-end transaction information and fast back-end payments Settlement (clearing) service; Another advantage of the unified standard through a third-party platform (the interface platform server of this creation) can reduce the cost of multi-transportation to multi-financial institutions, and strengthen the transaction interface processing and settlement ( Clearing efficiency, thereby enhancing the convenience for consumers to pay with existing financial accounts; 2. Providing financial account payment methods can expand the user group. The existing credit card payment methods that have been implemented are limited to users who have reached the age of 20 and already hold a credit card, and debiting through the linked financial account can be expanded to the user group under the age of 20, allowing all users with financial accounts to use The payment software of the first industry can use the mobile device to take public transportation and directly deduct the money from the financial account. There is no need to pay or store value in the future, which greatly improves the convenience of payment; 3. Improve the efficiency of interfacing operations for the transportation industry. Since the acquiring bank and the issuing bank are also connected through the interface platform server, when the transportation industry connects with the existing financial card payment system through the acquiring bank, they can avoid the project of interfacing with the bank one by one to enable inter-bank transactions; and 4. Use QR codes to support all mobile devices. At present, the transportation industry has provided sensor transactions using near field communication, and this creation adds a QR code to transmit information to the transportation industry, which can enhance the support of multiple application fields of mobile devices and facilitate the use of existing payment tools by Chinese people.

唯以上所述者，僅為本創作之較佳實施例而已，並非用來限定本創作實施之範圍。故即凡依本創作申請範圍所述之特徵及精神所為之均等變化或修飾，均應包括於本創作之申請專利範圍內。Only the above are only preferred embodiments of this creation, and are not used to limit the scope of implementation of this creation. Therefore, all equivalent changes or modifications made in accordance with the characteristics and spirit of the application scope of this creation shall be included in the scope of patent application of this creation.

10:利用QR碼之交通碼進行跨行支付之系統10: A system for cross-bank payment using the traffic code of the QR code

12:行動裝置12: mobile device

122:支付應用程式122: payment application

14:發卡銀行伺服器14: Card issuing bank server

16:介接平台伺服器16: Interface to the platform server

18:交通業者18: Transportation operators

20:票證驗票機具20: Ticket inspection machine

22:收單行伺服器22: Acquiring bank server

第1圖為本創作利用QR碼之交通碼進行跨行支付系統之方塊圖。 第2圖為應用本創作之利用QR碼之交通碼進行跨行支付系統之流程圖。 第3圖為應用本創作之利用QR碼之交通碼進行跨行支付系統之另一實施例之流程圖。 Figure 1 is a block diagram of an inter-bank payment system created by using QR code traffic codes. Figure 2 is the flow chart of the cross-bank payment system using QR code traffic code created by this application. Figure 3 is a flowchart of another embodiment of the application of this creation using the QR code of the traffic code for inter-bank payment system.

10:利用QR碼之交通碼進行跨行支付之系統 10: A system for cross-bank payment using the traffic code of the QR code

12:行動裝置 12: mobile device

122:支付應用程式 122: payment application

14:發卡銀行伺服器 14: Card issuing bank server

16:介接平台伺服器 16: Interface to the platform server

18:交通業者 18: Transportation operators

20:票證驗票機具 20: Ticket inspection machine

22:收單行伺服器 22: Acquiring bank server

Claims (10)

一種利用QR碼之交通碼進行跨行支付之系統，包括：一行動裝置，其中安裝一支付應用程式，在該支付應用程式中設定一付款帳號並選擇支付一交通費用；一發卡銀行伺服器，與該支付應用程式訊號連接，該付款帳號為該發卡銀行伺服器所核發，該發卡銀行伺服器對該付款帳號進行一預設金額之圈存，並在該發卡銀行伺服器判斷該行動裝置準備搭乘一交通運輸工具時，發送要求交通碼之一通知訊息；一介接平台伺服器，與該發卡銀行伺服器訊號連接，接收該通知訊息並產生一QR碼，再將該QR碼透過該發卡銀行伺服器提供給該行動裝置；以及至少一票證驗票機具，掃描該行動裝置上所顯示之該QR碼後供搭乘該交通運輸工具。 A system for cross-bank payment using the traffic code of the QR code includes: a mobile device, in which a payment application is installed, a payment account is set in the payment application and a transportation fee is selected; a card-issuing bank server, and The payment application signal connection, the payment account number is issued by the server of the issuing bank, the server of the issuing bank carries a preset amount of the payment account to the payment account, and the server of the issuing bank determines that the mobile device is ready to board When a transportation means, send a notification message that requires a traffic code; an interface platform server is connected to the server of the issuing bank, receives the notification message and generates a QR code, and then sends the QR code to the server of the issuing bank The mobile device is provided with at least one ticket verification device, which scans the QR code displayed on the mobile device for riding in the transportation vehicle. 如請求項1所述之利用QR碼之交通碼進行跨行支付之系統，其中該支付應用程式為該發卡銀行伺服器所部署之網路銀行應用程式，或是一支付業者所部署者。 The system for inter-bank payment using the traffic code of the QR code as described in claim 1, wherein the payment application is an online banking application deployed by the server of the issuing bank, or deployed by a payment company. 如請求項1所述之利用QR碼之交通碼進行跨行支付之系統，其中該行動裝置於進出通過該票證驗票機具時皆開啟該支付應用程式，且從介接平台伺服器所取得之進出用的該QR碼不同。 The system for cross-bank payment using the traffic code of the QR code as described in claim 1, wherein the mobile device opens the payment application when entering and exiting through the ticket inspection machine, and the entry and exit obtained from the interface platform server The QR code used is different. 如請求項1所述之利用QR碼之交通碼進行跨行支付之系統，其中該介接平台伺服器預先產生複數組金鑰，並將該複數組金鑰中 的複數公鑰提供給至少一交通業者的該票證驗票機具，並以該複數組金鑰中的複數私鑰簽發付款資訊於該QR碼。 The system for inter-bank payment using the traffic code of the QR code as described in claim 1, wherein the interface platform server generates a complex array of keys in advance, and stores the complex array of keys The plural public key of is provided to the ticket verification machine of at least one transportation operator, and the plural private key of the plural number of keys is used to sign the payment information in the QR code. 如請求項4所述之利用QR碼之交通碼進行跨行支付之系統，其中該QR碼中包括該等私鑰、該付款帳號及該發卡銀行伺服器之銀行代碼。 The system for inter-bank payment using the traffic code of the QR code as described in claim 4, wherein the QR code includes the private keys, the payment account number and the bank code of the issuing bank server. 如請求項1所述之利用QR碼之交通碼進行跨行支付之系統，其中該票證驗票機具判斷該行動裝置是否為當天首次乘車，若是，則該票證驗票機具亦可透過一收單行伺服器發送一在途驗證之通知給該介接平台伺服器，要求該發卡銀行伺服器確認該付款帳號之有效性。 For example, the system of using the traffic code of QR code to make inter-bank payment as described in claim 1, wherein the ticket verification machine judges whether the mobile device is the first ride on the same day. If it is, the ticket verification machine can also pass through an acquiring bank The server sends a notification of in-transit verification to the interface platform server, requesting the card issuing bank server to confirm the validity of the payment account. 如請求項6所述之利用QR碼之交通碼進行跨行支付之系統，其中該發卡銀行伺服器若確認該在途驗證無誤，則依據該行動裝置搭乘一交通運輸工具時供掃描的另一票證驗票機具與使用完該交通運輸工具時之該票證驗票機具核算搭乘交通費用，並從該付款帳號中被圈存的該預設金額扣款。 For example, the system of using the traffic code of the QR code for inter-bank payment as described in claim 6, wherein if the card issuing bank server confirms that the in-transit verification is correct, it will verify it according to another ticket scanned when the mobile device is on a transportation vehicle The ticket machine and the ticket verification machine at the time the transportation means are used to calculate the transportation cost, and deduct the preset amount loaded in the payment account. 如請求項6所述之利用QR碼之交通碼進行跨行支付之系統，其中該介接平台伺服器預先產生複數組金鑰，並將該複數組金鑰中的複數公鑰提供給至少一交通業者的該票證驗票機具，並以該複數組金鑰中的複數私鑰簽發付款資訊於該QR碼，若該發卡銀行伺服器於該在途驗證時若發現該QR碼不合法，則可據以進行相關置換金鑰之保全措施。 The system for cross-bank payment using the traffic code of the QR code as described in claim 6, wherein the interface platform server generates a plurality of keys in advance, and provides a plurality of public keys in the plurality of keys to at least one traffic The operator’s ticket verification machine, and uses the plural private keys in the complex array of keys to issue payment information to the QR code. If the issuing bank server finds that the QR code is illegal during the on-the-go verification, it can In order to carry out the security measures related to the replacement key. 如請求項8所述之利用QR碼之交通碼進行跨行支付之系統，其中該票證驗票機具所屬之一交通業者係建立一灰名單，並將未通過該在途驗證之該付款帳號加入該灰名單中。 For the system of using the traffic code of the QR code for inter-bank payment as described in claim 8, wherein a transportation company belonging to the ticket verification machine establishes a graylist and adds the payment account that has not passed the on-transit verification into the graylist List. 如請求項7所述之利用QR碼之交通碼進行跨行支付之系統，其中該付款帳號於解除該筆圈存扣除該車資。The system for inter-bank payment using the traffic code of the QR code as described in claim 7, wherein the payment account deducts the fare after canceling the loading.
TW109211712U 2020-09-07 2020-09-07 System for interbank payment using traffic code of QR code TWM606796U (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN113223194A (en) * 2021-04-16 2021-08-06 西安艾润物联网技术服务有限责任公司 Digital currency based collection and payment method, device and computer readable storage medium

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN113223194A (en) * 2021-04-16 2021-08-06 西安艾润物联网技术服务有限责任公司 Digital currency based collection and payment method, device and computer readable storage medium

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