TW201901552A - Payment system a mobile device selecting a target identification data and inputting an amount to be paid, and a bank end debiting an account according to the target identification data and the amount to be paid - Google Patents

Abstract

A payment system is connected to a bank end via a communication network and includes a plurality of transceivers and a mobile device. Each transceiver is configured to transmit an identification data associated with the transceiver within the coverage of a wireless network. The mobile device is configured to select a target identification data from the at least one identification data in response to a user's operation after receiving at least one of the identification data, and to transmit the target identification data, an amount to be paid, and a payment data to the bank end via the communication network after generating the amount to be paid in response to the user's input operation. As a result, the bank end obtains target account data corresponding to the target identification data according to the target identification data and a lookup table and uses the payment date to debit.

Description

payment system

The present invention relates to a payment system, and more particularly to a payment system for mobile payment.

"Action Payment" is a very popular payment method in the near future. After the mobile device is combined with the credit card function, the user can pay for the card through a mobile phone or the like. The existing mobile payment technology, such as Apple Pay, uses the mobile device carried by the user to transmit one and one via the near field communication network (NFC). The credit card information related (Token) information is sent to a point of sale device, and then the point of sale device transmits the code information and the transaction amount transmitted by the mobile device to a transaction center via the communication network to complete the transaction.

The above technology utilizes a near field communication network (NFC) as a communication bridge between the mobile device and the point-of-sale device. When the payment is made, the mobile device needs to be adjacent to the point-of-sale device, thereby reducing the convenience of use. The merchant must set up a functional communication device that can be connected to the communication network to perform the payment procedure, and it is necessary for the merchant who wants to provide the mobile payment device to install the point-of-sale device and does not want to spend too much cost. Other solutions.

Accordingly, it is an object of the present invention to provide a payment system that is easy to use and has a low hardware cost.

Therefore, the payment system of the present invention is connected to a bank via a communication network, and includes a plurality of transceivers and a mobile device.

Each transceiver device is installed in a service area for providing a service, and includes a transceiver module. The transceiver module of each transceiver is connected to a wireless network and is configured to transmit an identification data associated with the transceiver within the coverage of the wireless network.

The mobile device is carried by a user and connected to the bank via the communication network, and includes a communication unit connected to the communication network, an input unit, a storage unit pre-stored with payment data, and an electrical connection. The communication unit, the input unit, and the processing unit of the storage unit.

The processing unit is configured to select a target identification data from the at least one identification data via the operation of the user after receiving at least one of the identification materials via the communication unit, and input through the user After the operation generates an amount to be paid, the target identification data, the amount to be paid, and the payment data pre-stored in the mobile device are transmitted to the bank via the communication network, so that the bank identifies the data and an identification data according to the target. a lookup table of the account data, obtaining a target account data corresponding to the target identification data, and using the payment data to pay the amount to be paid to the target account data, wherein the lookup table includes the identification materials, and each Identify the account data corresponding to the data.

The effect of the present invention is that the target identification data is selected by the mobile device, and the target identification data, the amount to be paid, and the payment data are transmitted to the bank via the communication network, and the payment can be completed. The hardware cost of each transceiver installed in the service area is much lower than the hardware cost of the point-of-sale device of the existing payment system, and the mobile device does not need to be adjacent to the target transceiver when the payment is made. It can improve the convenience of use.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are denoted by the same reference numerals.

Referring to FIG. 1 and FIG. 2, the first embodiment of the payment system of the present invention is connected to a bank terminal 3 and a server terminal 4 via a communication network 200, and is respectively electrically connected to a plurality of lock modules 5, and the payment system includes multiple Transceiver 1 and a mobile device 2.

The bank end 3 stores a lookup table for identifying data and account data, and a verification data related to the mobile device 2, the lookup table includes a plurality of identification materials corresponding to the transceiver devices 1, and corresponding to each identification data. One account information and one merchant data corresponding to each account data.

Each of the transceivers 1 is disposed in a service area 300 for providing a service, and includes a transceiver module 11, a display module 12, and a processing module 13 electrically connected to the transceiver module 11 and the display module 12. Each transceiver module 11 is coupled to a corresponding wireless network and configured to transmit an identification data associated with the corresponding transceiver device 1 within the coverage of the corresponding wireless network. In this embodiment, the wireless network connected to each transceiver module 11 adopts a Bluetooth communication technology. Each service includes a rental service related to a product 6, such as a bicycle, and each transceiver 1 is mounted on the corresponding item 6. Each of the products 6 is equipped with a counterpart of the lock modules 5, and each transceiver device 1 is electrically connected to a lock module 5 mounted on the product 6 corresponding to the transceiver device 1. Each identification material may be, for example, the number of the item 6 (ie, the number of the bicycle). However, in other embodiments of the present invention, the wireless network to which each transceiver module 11 is connected may also adopt a narrow-band Internet of Things (NB-IoT) or an ultra-long-range low-power data transmission technology (LoRa). ).

The server 4 stores the identification data and a product geographic location information indicating the location of the product 6 corresponding to the transceiver device 1 corresponding to each identification data.

The mobile device 2 is carried by a user and connected to the bank terminal 3 and the server 4 via the communication network 200, and includes a communication unit 21, an input unit 22, and a display connected to the communication network 200. a unit 23, a storage unit 24 pre-stored with payment data and an application containing a plurality of instructions, and an electrical connection unit, the input unit 22, the display unit 23 and the storage unit 24, and configured to execute the The application is to execute the processing unit 25 of the payment program. The payment information includes one of credit card information associated with the user and a financial account information associated with the user.

The processing unit 25 is configured to transmit a service query request including a device geographic location information indicating the location of the mobile device 2 to the server 4, so that the server 4 according to the device geographical location information and the geographical location of the products Information, obtaining at least one identification data corresponding to a distance between the location indicated by the geographic location information of the product and the location indicated by the geographical location information of the device is less than a predetermined distance, and the at least one identification data and corresponding thereto The product geographic location information of the item 6 is transmitted to the mobile device 2 via the communication network 200. After the processing unit 25 of the mobile device 2 receives the at least one identification data and the corresponding geographical location information of the commodity 6 through the communication network 200 via the communication unit 2, the processing unit 25 of the mobile device 2 transmits a rental request including one of the at least one identification data received via the communication network 200 to the server 4, wherein the identification information included in the rental request can be used as a target identification data, and the rental request is related A target product 6 corresponding to one of the target transmitting and receiving devices 1a corresponding to the target identification data. It is worth mentioning that each of the lock modules 5 can support the Bluetooth communication technology, and the processing unit 25 of the mobile device 2 also establishes a wireless network corresponding to the lock module 5 mounted on the target product 6 and The lock module 5 is connected to the target product 6 and transmits an unlocking signal to the lock module 5 of the target product 6. The unlock signal can be stored in the storage unit 24 of the mobile device 2 in advance. In the application, the unlocking signal may also be generated and transmitted to the mobile device 2 in response to the server 4 in response to the rental request. Thereby, the target item 6 is rented.

The processing unit 25 is further configured to perform, after the at least one of the wireless networks is received by the communication unit 21 through at least one of the wireless networks, the identification data transmitted within the coverage of the at least one wireless network Determining the target identification data from the at least one identification data received by the at least one wireless network, and establishing, via the communication unit 21, a wireless network corresponding to the target identification data and the target identification data Corresponding to the connection of the target transceiver device 1a, and calculating an payable amount according to the transmission time of the rental request, the time of selecting the target identification data, and a charging method, and presenting the payable amount in the action Display unit 23 of device 2. In this embodiment, the operation of the user for selecting the target identification data is performed by the input unit 22. However, in other embodiments of the present invention, the operation of the user for selecting the target identification data may be that the mobile device 2 is in close proximity to the target transceiver device 1a, so that the processing unit 25 corresponds to at least one Identifying the signal strength and the receiving angle of the signal of the at least one transceiver 1 of the data, and selecting the target identification data, wherein the signal strength of the signal from the target transceiver 1a is compared with the signal strength of the signal from the other transceiver 1 More powerful, and the receiving angle of the signal from the target transceiver 1a is within a predetermined range of angles.

After the processing unit 25 performs an input operation by the input unit 22 to generate an amount to be paid, the processing unit 25 transmits the amount to be paid via the communication unit 21 through the wireless network corresponding to the target identification data. To the target transceiver 1a. After receiving the amount of the payment through the wireless network via the transceiver module 11, the processing module 13 of the target transceiver 1a presents the amount to be paid to the display module 12 of the target transceiver 1a and transmits A control signal is applied to the lock module 5 mounted on the corresponding target product 6 to control the lock module 5 to perform a pair of operations to control the signal, for example, to lock the target product 6.

The processing unit 25 further transmits the target identification data, the amount to be paid, the payment data pre-stored in the mobile device 2, and a verification code associated with the mobile device 2 to the bank via the communication unit 21 via the communication network 200. End 3, so that the bank 3 first verifies the mobile device 2 according to the verification code and the verification data. When the verification result of the bank terminal 3 is successful (that is, the mobile device 2 is successfully verified), the bank terminal 3 Obtaining a target account data corresponding to the target identification data according to the lookup table, and using the payment data to pay the amount to be paid to the target account data, and transmitting a payment according to the merchant information corresponding to the target account data Successfully notified to one of the merchants (not shown) associated with the merchant profile, when the verification result of the bank 3 is a failure, the bank 3 obtains the target account corresponding to the target identification data according to the lookup table. And transmitting a payment failure notification to the merchant related to the merchant information according to the merchant information corresponding to the target account data.

Referring to FIG. 3 and FIG. 4, the second embodiment of the payment system of the present invention is substantially the same as the first embodiment, and the main difference is that the payment system is only connected to the bank terminal 3, but not to the server. 4 and the lock modules 5 are connected. The operation of the transceivers 1 and the mobile device 2 in the payment system will be described below.

Each transceiver device 1 is disposed in another service area 301 that provides another service, and includes the transceiver module 11, the display module 12, and the processing module 13. Each transceiver module 11 is connected to a corresponding wireless network. And for transmitting another identification data related to the corresponding transceiver device 1 within the coverage of the wireless network. In this embodiment, the wireless network connected to each transceiver module 11 uses the Bluetooth communication technology. Each of the other service areas 301 is, for example, a table placed at a restaurant, and each of the other services includes a meal service related to the meals provided by the restaurant. Each transceiver device 1 is mounted on the corresponding table. Each of the other identification materials may be, for example, the table number of the table.

The mobile device 2 is carried by the user and connected to the bank terminal 3 via the communication network 200, and includes the communication unit 21, the input unit 22, the display unit 23, the storage unit 24, and the processing unit 25. The storage unit 24 stores another application including a plurality of instructions, and the processing unit 25 is configured to execute the other application to implement the payment program. The payment information includes one of the credit card information associated with the user and the financial account information associated with the user.

The processing unit 25 is configured to perform, after the at least one other one of the wireless networks via the communication unit 21 receives the identification data transmitted within the coverage of the at least one wireless network, by using the user Selecting another target identification data from the at least another identification data received by the at least one wireless network, and establishing another wireless network corresponding to the another target identification data via the communication unit 21 The other target identifies the link of the target transceiver 1a corresponding to the data. In this embodiment, the operation of the user for selecting the other target identification data is performed by the input unit 22. However, in other embodiments of the present invention, the operation of the user for selecting the other target identification data may also be that the mobile device 2 is in close proximity to the target transceiver device 1a, so that the processing unit 25 corresponds to the corresponding The signal strength and the receiving angle of the signal of the at least one transceiver device 1 of the at least one other identification data are selected from the other target identification data, wherein the signal strength of the signal from the target transceiver device 1a is compared with that of the other transceiver device 1 The signal of the signal is stronger, and the receiving angle of the signal from the target transceiver 1a is within a predetermined range of angles. In use, the user performs a selection operation by the input unit 22 of the mobile device 2 to select target identification data that matches the table number of the table in which the user is seated.

The processing unit 25 responds to the input operation by the user by the input unit 22 to correspondingly generate another amount of the payment to be made, and the another amount of the payment to be paid through the communication unit 21 through the other target identification data. The wireless network is transmitted to the target transceiver 1a. After receiving the other amount of the payment through the wireless network via the transceiver module 11, the processing module 13 of the target transceiver 1a presents the other amount of the payment to the display module of the target transceiver 1a. 12. By presenting the other amount to be presented to the display module 12 of the target transceiver 1a, it is convenient for the merchant to confirm at a glance whether the user has paid the meal amount and check the amount of the payment that the user has paid. is it right or not.

The processing unit 25 further transmits the other target identification data, the other amount to be paid, the payment data pre-stored in the mobile device 2, and the verification code associated with the mobile device 2 to the communication network 200 via the communication unit 21. Transmitting to the bank terminal 3, so that the bank terminal 3 first verifies the mobile device 2 according to the verification code and the verification data. When the verification result of the bank terminal 3 is successful (that is, the mobile device 2 is successfully verified), The bank terminal 3 obtains another target account data corresponding to the other target identification data according to the lookup table, and uses the payment data to pay the amount to be paid to the other target account data, and according to the other target The merchant data corresponding to the account data transmits the payment success notification to one of the merchants related to the merchant data. When the verification result of the bank terminal 3 is a failure, the bank terminal 3 obtains the other target according to the lookup table. Identifying the other target account data corresponding to the data, and transmitting the payment failure notification to the merchant information according to the merchant information corresponding to the other target account data Off of the business end.

In summary, the payment system of the present invention selects the target identification data by the mobile device 2, and transmits the target identification data, the amount to be paid, and the payment data to the bank terminal 3 via the communication network 200, that is, Payment can be completed. The hardware cost of each transceiver device 1 installed in the service areas 300, 301 is much lower than the hardware cost of the point-of-sale device of the existing payment system, and the mobile device 2 does not need to be in close proximity when making a payment. The target transceiver device 1a can improve the convenience of use. Moreover, by presenting the amount to be paid to the display module 12 of the target transceiver device 1a, the user or the merchant can facilitate the confirmation of the amount to be paid. The object of the invention can indeed be achieved.

However, the above is only the embodiment of the present invention, and the scope of the invention is not limited thereto, and all the simple equivalent changes and modifications according to the scope of the patent application and the patent specification of the present invention are still Within the scope of the invention patent.

1‧‧‧ transceiver

1a‧‧‧Target transceiver

11‧‧‧ transceiver module

12‧‧‧Display module

13‧‧‧Processing module

2‧‧‧Mobile devices

21‧‧‧Communication unit

22‧‧‧Input unit

23‧‧‧Display unit

24‧‧‧ storage unit

25‧‧‧Processing unit

3‧‧‧ Bank end

4‧‧‧Server

5‧‧‧Lock module

6‧‧‧ Goods

200‧‧‧Communication network

300, 301‧‧‧ service area

Other features and advantages of the present invention will be apparent from the following description of the drawings, wherein: Figure 1 is a block diagram illustrating a first embodiment of the payment system of the present invention via a communication network and a bank and A server is connected and electrically connected to a plurality of lock modules; FIG. 2 is a schematic diagram showing an outdoor environment in which a plurality of transceivers in the first embodiment are disposed; FIG. 3 is a block diagram illustrating The second embodiment of the invention payment system is connected to a bank terminal via a communication network; and FIG. 4 is a schematic diagram showing an indoor environment in which a plurality of transceiver devices in the second embodiment are disposed.

Claims (7)

A payment system is connected to a banking terminal via a communication network, and includes: a plurality of transceiver devices, each transceiver device is disposed in a service area providing a service, and includes a transceiver module connected to a wireless network. And for transmitting an identification data related to the transceiver device within the coverage of the wireless network; and a mobile device carried by the user and connected to the bank terminal via the communication network, and including a communication unit Connected to the communication network, an input unit, a storage unit, pre-stored with payment data, and a processing unit electrically connected to the communication unit, the input unit and the storage unit, and used to receive the communication unit via the communication unit After the at least one of the identification data is selected, a target identification data is selected from the at least one identification data by the operation of the user, and after the amount of the payment is generated by the input operation of the user, the target identification data, The amount to be paid and the payment data pre-stored in the mobile device are transmitted to the bank via the communication network, so that the The bank side obtains a target account data corresponding to the target identification data according to the target identification data and a lookup table of the identification data to the account data, and uses the payment data to pay the amount to be paid to the target account data, wherein the bank account The lookup table contains the identification data and an account data corresponding to each identification data. The payment system of claim 1, wherein each transceiver further comprises a processing module electrically connected to the transceiver module, and a display module electrically connected to the processing module, wherein the processing unit of the mobile device is After selecting the target identification data, establishing, by the communication unit, a connection between the target transceiver device corresponding to the target identification data on the wireless network corresponding to the target identification data, and the processing unit of the mobile device further The payment amount is transmitted to the target transceiver device via the wireless network corresponding to the target identification data by the communication unit, and the processing module of the target transceiver device receives the amount to be paid through the transceiver module, and then the payment is to be paid The amount is presented to the display module of the target transceiver. The payment system of claim 2 is further connected to a server via the communication network, wherein each service includes a rental service related to a product, and each transceiver device is disposed on the corresponding product. The mobile device further includes a display unit electrically connected to the processing unit, and the mobile device is further connected to the server via the communication network, and the processing unit of the mobile device is further configured to transmit, by the communication network, a related transceiver device Corresponding a target product, and including the rental request of the target identification data to the server, the processing unit of the mobile device further selects the selection time of the target identification data and a charging method according to the transmission time of the rental request Calculate the payable amount and present the payable amount to the display unit of the mobile device. The payment system of claim 3 is further electrically connected to a plurality of lock modules installed in the corresponding products, wherein each transceiver device is electrically connected to a lock module mounted on the corresponding product, After receiving the amount to be paid, the processing module of the target transceiver further transmits a control signal to the lock module installed on the corresponding target product to control the lock module to perform a pair of control signals. . The payment system of claim 1, wherein the processing unit of the mobile device transmits not only the target identification data, the amount to be paid, and the payment data to the bank, but also a verification code associated with the mobile device. After being transmitted to the bank, the bank end successfully validates the mobile device according to the verification code, and then uses the payment data to pay the amount to be paid to the target account data. The payment system of claim 1, wherein the payment data comprises one of credit card information associated with the user and financial account information associated with the user. The payment system of claim 1, wherein the wireless network connected to each transceiver module adopts one of Bluetooth communication technology, a narrow-band Internet of Things technology, and one ultra-long-range low-power data transmission technology. By.