TWM584479U - One-dimensional code scanning payment system of credit card - Google Patents

Abstract

This creation provides a credit card one-dimensional code scanning payment system, which is entered into a credit card application in a user's mobile device and selects one of a plurality of credit card items to display a corresponding one-dimensional credit card barcode. Contains a unique code that is used as a secure transaction code to protect personal data. The terminal counter uses a one-dimensional barcode scanner to scan at least one object barcode information and credit card one-dimensional barcode, and generates a transaction information. The management platform forwards the transaction information and sends an authorization request to the card issuing server of the corresponding credit card bank. , Check the exclusive code and transaction information for those who comply with the charge; this creation reflects the use of credit cards to display one-dimensional barcodes on the user ’s mobile device and existing code scanning equipment for online payment.

Description

Credit card one-dimensional scanning code payment system

This creation relates to a credit card one-dimensional scanning code payment system, which refers to a credit card one-dimensional scanning code payment system that displays a one-dimensional barcode of a credit card on a user's mobile device for scanning payment transactions.

According to the vigorous development of e-commerce, the current consumer transaction mode is gradually shifting from cash payment to electronic payment. Electronic payment includes credit cards, electronic tickets (such as Youyou Card, All-in-one Card or iCash, etc.), mobile payment, and mobile payment. In a nutshell, it's a payment made via a smartphone. In recent years, due to the improvement of the performance of smart phones, mobile payment using smart phones has become increasingly popular, replacing the previous payment in cash or plastic currency (such as credit cards, stored value cards, or debit cards). In this way, more and more stores are joining mobile payment, reducing the tedious process of payment, and giving customers more choices for consumer payment. It has been pointed out that for every ten customers, 20 to 40% use mobile payment to pay. There are two common mobile payment modes: NFC (Near Field Communication) induction and QR code scanning. NFC induction is simply a payment method that takes a smartphone to a POS or induction machine to "beep" it. For example, Apple Pay; and QR code scanning is the payment mode that scans the QR code to complete the transaction, such as LINE Pay, Jiekou or Opel. Although the existing payment methods are diversified and convenient, both consumers and sellers are more concerned about transaction security issues.

Continuing on the current consumer payment methods, the largest proportion of common payment methods in stores is the credit card payment method, which is very convenient to use because it does not require a stored value in advance, followed by mobile payment, and then cash payment. It can be seen that more and more people are reducing cash for transactions and using alternative payment vehicles instead. Among them, for mobile phone credit card payment methods, mobile phone credit cards are literally meaning that the mobile phone and credit card are combined, and the security element is embedded in the micro SD card or SIM card. In addition to the original storage and dialing functions, there are many more With the credit card function, you only need to take the phone out to the credit card machine during checkout. Therefore, if you want to have a mobile phone with a credit card function, you must have an NFC-enabled phone. In addition, a mobile phone credit card is essentially a credit card. To obtain a card, you must also apply to a bank, and the bank will also review the applicant's credit history before verifying the card. Of course, in order to improve the convenience of users' payment, you can use QR code to scan payment methods, but credit cards only support EMV standard two-dimensional QR code scanning payment methods. You can use the QR code scanning function to scan QR code payment barcodes at checkout. Credit card payment stored in QR code. However, at present, physical stores (including vending machines and ticket machines) combined with logistics information scanning equipment only support one-dimensional code scanning operations. To use credit card for payment transactions, the store must have a sensor device that supports NFC or QR code. Existing one-dimensional code scanning equipment for payment transactions has virtually added additional equipment costs to the store. Therefore, how to eliminate the hardware purchase cost of installing a card reader and save the software version that cooperates with mobile payment to increase the cost, and use the existing normal one-dimensional code scanning equipment for credit card transactions are urgent problems to be solved.

In view of this, the author proposes a credit card one-dimensional code scanning payment system to effectively overcome the above-mentioned problems in view of the lack of the foregoing prior art.

The main purpose of this creation is to provide a credit card one-dimensional code scanning payment system, which can respond to the existing operator counter combined with logistics information one-dimensional code scanning equipment, and display the one-dimensional barcode of the credit card on the user's mobile device for the operator to use the existing entity The one-dimensional code scanning machine performs code scanning transactions, which can provide mobile payment consumer transactions without increasing the cost of any equipment. It can actually popularize mobile payment channels and achieve transaction convenience.

The secondary purpose of this creation is to provide a credit card one-dimensional scanning code payment system, which displays the credit card one-dimensional barcode on the user's mobile device is time-effective and changes with each transaction, which can ensure transaction security.

In order to achieve the above purpose, the present invention provides a credit card one-dimensional scanning code payment system, which includes a user mobile device, a counter terminal device, a management platform, and at least one card issuing server. The user's mobile device is installed with at least one credit card application, enter the credit card application and select one from a plurality of credit card items to display a corresponding one-dimensional credit card barcode. The one-dimensional credit card barcode includes a unique code; The terminal equipment includes a barcode scanner to scan at least one object barcode information and credit card one-dimensional barcode, and generate a transaction information; the management platform signal is connected to the terminal equipment, receives transaction information, and obtains upcoming information based on the transaction information. The bank information of the transaction, and retransmit the transaction information and send an authorization request; and the card issuing server signals to connect to the management platform, receive the transaction information and authorization request, and check the exclusive code and transaction information for compliance, and then debit, and then send An authorization code and a transaction success information are sent to the management platform, while the transaction success information is sent to the user's mobile device, and the management platform sends the transaction success information to the counter terminal device.

Among them, the credit card one-dimensional code scanning payment system further includes a transaction agent bank server or a platform where the agent bank participates (hereinafter referred to as a transaction agent bank server). The transaction agent bank server signals to connect to the terminal device and management platform, and the transaction agent. The bank server receives the transaction information, and obtains the bank information of the upcoming transaction according to the transaction information, and transmits the transaction information to the corresponding card issuing server through the management platform, and sends an authorization request.

Wherein, the user's mobile device further includes a processor. After confirming the cardholder registration information, after selecting the credit card item in the credit card application, the processor drives the corresponding credit card item to display the corresponding one-dimensional bar code of the credit card, and the credit card The one-dimensional barcode of dynamic credit card is a dynamic credit card one-dimensional barcode, which varies with different transactions, and if the transaction is not completed within a preset time, the one-dimensional barcode of dynamic credit card will be automatically canceled, or the card issuing server can do so during the booking acceptance period Rejecting the transaction information linked to the one-dimensional bar code of the credit card can ensure the security of the transaction.

Among them, the counter device is a financial institution that cooperates with a credit card application, and can receive the deduction amount in the transaction information, which can save the tedious operation of cash transactions.

Among them, the barcode scanner is a physical one-dimensional barcode scanner, which scans credit card one-dimensional barcodes and object barcode information with one-dimensional barcodes, and uses existing and normally operated one-dimensional barcode equipment for transaction payment. The convenience of consumers' transactions can also reduce the cost of additional equipment purchases.

Among them, the exclusive code included in the one-dimensional bar code of the credit card includes coded data of the credit card number, validity period, and production bar code time and identification data. This can be used as a management platform and card issuing server to quickly check user data when checking and managing. And subsequent clearing and reconciliation of corresponding user accounts.

For existing mobile payers, in order to achieve the purpose of fast checkout, most stores will purchase tradable equipment or software design and upgrades in response to various electronic or mobile payments, which will cause many limitations and high costs. Cost and expense, this creation is eager to improve and innovate, and after years of painstaking research, we have developed a credit card one-dimensional code scanning payment system, which can use the existing one-dimensional code scanning equipment to perform code scanning and quick checkout. Reducing installation costs is a new opportunity for the digital transformation of the overall financial industry.

Please refer to Figure 1 for a block diagram of the credit card one-dimensional code scanning payment system. The credit card one-dimensional code scanning payment system includes a user mobile device 10, a counter terminal device 12, a management platform 14, and at least one card issuing server 16. The user's mobile device 10 may be a smart phone or a tablet computer or other mobile electronic devices with network communication capabilities, etc., and is not limited to using Android or iOS systems, and is applicable to the scope of patent protection of this creation. The user mobile device 10 is installed with at least one credit card application 18, which is a mobile payment software (Application, APP). When a consumer wants to make a payment, as long as he clicks into the credit card application 18 through the user's mobile device 10, all the applied credit card items will be displayed, and one of the plurality of credit card items 182 will be selected from the credit card application 18, The corresponding one-dimensional bar code 184 of a credit card is displayed. See FIG. 2 at the same time. This is a schematic diagram of the creative operation. The counter device 12 includes a code scanner 20 for scanning at least one object's bar code information 21 and a credit card. One-dimensional bar code 184, and generates a transaction information. Among them, the barcode scanner 20 is a physical one-dimensional barcode scanner for scanning credit card one-dimensional barcodes and object barcode information 21 having one-dimensional barcodes. The object barcode information 21 is a set of one printed on each product. The dimensional barcode contains information such as the product name, expiration date, and sales amount; or a one-dimensional barcode printed on a ticket, a bill of payment, etc., which contains the corresponding object barcode information21. By using the existing and normally operated one-dimensional barcode equipment for transaction payment, it not only provides consumers with transaction convenience, but also reduces the cost of additional equipment purchase by the industry. Because one-dimensional barcode (1D) is a group of bars and empty symbols arranged according to a certain coding rule, which is used to represent information composed of certain characters, numbers and symbols, usually only express information in one-dimensional direction. , And the information represented on the same barcode is completely the same and continuous, so that even if the label is partially lacking, the correct information can still be entered from the normal part. The symbol recognition device has a simple structure and is easy to operate without special training. There are no special requirements for printing technology equipment and materials, and the equipment is relatively cheap. It has many advantages such as reliable and accurate, real-time data entry, and great freedom. It is by far the most economical and practical automatic identification technology; therefore, existing Of stores and logistics information are still dominated by one-dimensional code scanning equipment.

Among them, the credit card one-dimensional bar code 184 contains a unique code, which includes coded data of the credit card number, expiration date, and bar code time and identification data. It is mainly used as the management platform 14 and the card issuing server 16 to check and manage. Can quickly verify user data and subsequent clearing and correction operations corresponding to user accounts. The user mobile device 10 further includes a processor 22. When the credit card item 182 is selected in the credit card application 18, the corresponding credit card item 182 is driven by the processor 22 to display the corresponding credit card one-dimensional bar code, and the credit card one-dimensional bar code 184 is It is a dynamic credit card one-dimensional bar code, which varies with different transactions. The credit card application 18 is set to automatically cancel the display of a dynamic credit card one-dimensional bar code if the transaction is not completed within a preset time, or the card issuing server 16 may Rejecting the transaction information linked to the one-dimensional bar code 184 of the credit card outside the booking acceptance period can ensure the security of the transaction. Among them, the dynamic credit card one-dimensional bar code is simply that each time the consumer clicks on the credit card item 182, the displayed dynamic credit card one-dimensional bar code is only valid for the consumption transaction payment. The next time the consumer makes a payment, the card issuing server 16 will send another set of new dynamic credit card one-dimensional bar codes, making it time-effective and independent, so there is no need to worry about the displayed one-dimensional bar code of the credit card being copied and misappropriated by others, as long as you ensure that the user ’s mobile device 10 keeps the transaction payment You can easily complete the transaction with the power on.

Among them, the counter terminal device 12 is a signal link of the financial institution that cooperates with the credit card application 18, so it can receive the deduction amount in the transaction information, which can save the tedious operation of cash transactions. When the counter device 12 sends transaction information to the management platform 14, it also includes the transmission of a unique code. The transaction information includes a credit card one-dimensional bar code 184 and its unique code, transaction amount, transaction time, and transaction serial number, etc., and is encrypted. It is transmitted to the management platform 14 after processing. The management platform 14 is signally connected to the counter terminal device 12 and obtains the bank information for the upcoming transaction according to the transaction information, that is, the corresponding bank information is obtained by the exclusive code, and the transaction information is transmitted and an authorization request is transmitted. The card issuing server 16 is connected to the management platform 14 in a signal manner. The card issuing server 16 is generally a financial institution, which is mainly an institution that fills in personal information after the application and issues a credit card after application. The card issuing server 16 receives the transaction information and the authorization request, and checks the exclusive code and transaction information for the deducted ones, and then sends an authorization code and a transaction success information to the management platform 14 and sends the transaction success information to the user. The mobile device 10 and the management platform 14 transmit the transaction success information to the counter terminal device 12. Among them, when the issuing server 16 checks that the exclusive code and transaction information are not consistent, for example, when the credit line to which the user's credit card item belongs is insufficient to pay the transaction amount, the transaction process is not met. At this time, the issuing server 16 will At the same time, a transaction failure message is sent to the user's mobile device 10 and the management platform 14, and the management platform 14 forwards the transaction failure message back to the terminal counter device 12.

As shown in FIG. 3, another block diagram of the credit card one-dimensional code scanning payment system of the present invention is shown. This embodiment is the same as the above, so it will not be repeated, only the differences are described. The credit card one-dimensional code scanning payment system further includes a transaction agent bank server 24, which is connected to the terminal device 12 and management platform 14, the transaction agent. The bank server 24 receives the transaction information from the counter terminal device 12 and obtains the bank information of the upcoming transaction according to the transaction information, and transmits the transaction information to the corresponding card issuing server 16 through the management platform 14 and transmits an authorization request. The transaction agent bank server 24 is responsible for the integration between the establishment of the acquiring system and the card issuing server 16 and the exchange of transaction records. The intention is to use a large number of different acquiring institutions (mainly providing credit card machines to merchants) and the card issuing server 16 Act as a platform to improve settlement efficiency. Among them, when the card issuing server 16 returns the authorization code and transaction success information to the management platform 14, the transaction success information includes the real card number and electronic invoice used by the user. Finally, the management platform 14 transmits the transaction success information to the counter terminal device 12, wherein the transaction success information does not include the real card number used by the user, so as to avoid the risk of missing the transaction security. The management platform 14 can organize all the information about the authorization success and transaction success into a payment request file, and provide it to the card holder and the card issuing server 16 and the store to perform the payment request clearing operation, and then send the transaction to the transaction agent bank server 24 for accounting.

In summary, this creation can respond to the existing operator counter combined with the one-dimensional code scanning equipment of logistics information, and display the one-dimensional bar code of the credit card in the user's mobile device for the operator to use the existing physical one-dimensional code scanner to perform code scanning transactions. It can provide mobile payment consumer transaction methods without increasing the cost of any equipment, which can popularize mobile payment channels and achieve transaction convenience. Furthermore, as long as the user uses the smart mobile device to directly download and execute the credit card application, the entire mobile payment payment process can be completed in a simple operation. For the majority of consumers who are not familiar with electronic operations, it provides a very convenient payment. Method, and no need to carry a credit card to pay by credit card, which not only accelerates the checkout speed, but also avoids the risk of theft or loss of the credit card.

The above are only the preferred embodiments of this creation, and are not used to limit the scope of this creation. Therefore, all equal changes or modifications based on the characteristics and spirit described in the scope of the application for this creation shall be included in the scope of the patent application for this creation.

10‧‧‧ User Mobile Device
12‧‧‧ Proximity terminal device
14‧‧‧Management Platform
16‧‧‧Card issuing server
18‧‧‧ Credit Card Application
182‧‧‧Credit Card Project
184‧‧‧One-dimensional barcode for credit card
20‧‧‧Code Scanner
22‧‧‧Processor
24‧‧‧Transaction Agent Bank Server

Figure 1 is a block diagram of the credit card one-dimensional code scanning payment system.
Figure 2 shows the operation of the creation.
Figure 3 is another block diagram of the credit card one-dimensional code scanning payment system.

Claims (10)

A credit card one-dimensional code scanning payment system includes:
A user mobile device is installed with at least one credit card application, enters the credit card application and selects one from a plurality of credit card items to display a corresponding one-dimensional credit card barcode, the credit card one-dimensional barcode includes a Unique code
A near-terminal device includes a barcode scanner for scanning at least one object barcode information and the credit card one-dimensional barcode, and generating a transaction information;
A management platform that signals the terminal device, receives the transaction information, and obtains the bank information of the upcoming transaction according to the transaction information, and forwards the transaction information and sends an authorization request; and at least one card issuing server, a signal Connect to the management platform, receive the transaction information and the authorization request, and check that the exclusive code and the transaction information are in compliance with the deduction, then send an authorization code and a transaction success information to the management platform, and send the The transaction success information is sent to the user's mobile device, and the management platform sends the transaction success information to the closet terminal device. The credit card one-dimensional code scanning payment system according to claim 1, further comprising a transaction agent bank server, which is connected to the terminal device and the management platform via a signal. The transaction agent bank server receives the transaction information, and The transaction information obtains bank information of the upcoming transaction, and transmits the transaction information to the corresponding card issuing server through the management platform, and transmits the authorization request. The credit card one-dimensional code scanning payment system according to claim 1, wherein the user's mobile device further includes a processor, and when the credit card item is selected in the credit card application, the processor drives the display of the corresponding credit card item. Print the corresponding one-dimensional bar code of the credit card. The one-dimensional scanning code payment system for a credit card according to claim 1, wherein the counter terminal device is a signal link with a financial institution cooperating with the credit card application program to receive the deduction amount in the transaction information. The credit card one-dimensional scanning code payment system according to claim 1, wherein the credit card one-dimensional barcode is a dynamic credit card one-dimensional barcode. The credit card one-dimensional scanning code payment system according to claim 5, wherein the credit card application is set to automatically cancel the display of the dynamic credit card one-dimensional barcode if the transaction is not completed within a preset time. The credit card one-dimensional code scanning payment system according to claim 1, wherein the code scanner is a physical one-dimensional code scanning machine to scan the credit card one-dimensional barcode and the object barcode information having one-dimensional barcode. The credit card one-dimensional scanning code payment system according to claim 1, wherein the unique code is coded data including a credit card number, an expiration date, and a bar code time and identification data. The credit card one-dimensional code scanning payment system according to claim 1, wherein the user's mobile device is a smart phone or a tablet computer. The credit card one-dimensional scanning code payment system according to claim 1, wherein the credit card application is a mobile payment software.