TWI758574B - Multidimensional barcode mobile payment method and payment server system - Google Patents

Abstract

A multi-dimensional barcode mobile payment method, which enables a mobile payment device to display a multi-dimensional barcode including a verification information and a first payment data, and a seller device scans the multi-dimensional barcode, according to the multi-dimensional barcode and a second provided by the seller. The payment data generates a payment information and transmits it to a payment server system. The payment server system obtains the verification information from the payment information, and after verifying that the verification information is correct, executes a payment process according to the payment information, and completes the After the payment process, a payment result related to the payment process is returned to the mobile payment device and the seller device.

Description

Multidimensional barcode mobile payment method and payment server system

The present invention relates to a non-cash transaction method, in particular to a multi-dimensional barcode action payment method.

Existing plastic currencies such as bank cards, credit cards, debit cards or smart cards are widely used because they do not require cash payment, which improves the efficiency and convenience of transactions. However, when using plastic currency for transactions, the transaction record generated by each purchase will not be immediately sent by the store to the issuing unit or payment system of the plastic currency to verify the authenticity of the plastic currency and then request payment, but a business day. After the end, the store will send the whole batch of transaction records to the plastic currency issuer or payment system to request payment, that is, the batch settlement. However, the store will complete the transaction when the authenticity of the plastic currency cannot be verified by the issuing unit or the payment system, which will easily expose the store to the risk of transaction loss.

Therefore, the purpose of the present invention is to provide a multi-dimensional barcode mobile payment method that can instantly verify the legitimacy of transactions to ensure transaction security, as well as a mobile payment device and a payment server system using the method.

Therefore, the present invention is a multi-dimensional barcode mobile payment method, which is applied to a user A mobile payment device owned by a user, a seller device owned by a store, and a payment server capable of communicating with the mobile payment device and the seller device via the network, and comprising the following steps: (A) the mobile payment device Displaying a multi-dimensional barcode, the multi-dimensional barcode includes a verification information and a first payment data; (B) the seller device scans the multi-dimensional barcode, and generates a payment information according to the multi-dimensional barcode and a second payment data and transmits it to the a payment server system, and the second payment data is provided by the seller device; (C) the payment server system obtains the verification information from the payment information, and after verifying that the verification information is correct, executes a payment according to the payment information program; and (D) the payment server system returns a payment result related to the payment program to the mobile payment device and the seller device.

In some embodiments of the present invention, in step (A), the multi-dimensional barcode is a fixed multi-dimensional barcode provided by the payment server system and stored in a hardware security carrier of the mobile payment device.

In some embodiments of the present invention, in step (A), the multi-dimensional barcode is a fixed multi-dimensional barcode provided by the payment server system, and a part of the multi-dimensional barcode is stored in a hardware of the mobile payment device In the security vehicle, a part is stored in the payment server system or a cloud server, when the mobile payment device wants to display the multi-dimensional barcode, it connects with the payment server system or the cloud server to obtain the part of the multi-dimensional barcode, and combined with the part of the multi-dimensional bar code stored in the hardware safety carrier to form the multi-dimensional bar code.

In some embodiments of the present invention, in step (A), the multi-dimensional barcode is a fixed multi-dimensional barcode provided by the payment server system, and the multi-dimensional barcode is divided into a plurality of files and stored in the mobile payment device In a hardware security carrier of the mobile payment device, when the mobile payment device wants to display the multi-dimensional barcode, it reads the files from the hardware security carrier and combines them into the multi-dimensional barcode.

In some embodiments of the present invention, in step (A), the multi-dimensional barcode is a fixed multi-dimensional barcode provided by the payment server system, and the multi-dimensional barcode is divided into at least two files and stored in the action In a storage unit of the payment device, and at least one of the files is encrypted and protected, when the mobile payment device wants to display the multi-dimensional barcode, it reads the files and will be encrypted and protected according to the input at least one password After the at least one file is decrypted, the files are combined into the multi-dimensional barcode.

In some embodiments of the present invention, in step (A), the multi-dimensional barcode is a fixed value obtained from the payment server system through the mobile payment device through an online application method by an application installed in the mobile payment device. and the application program stores the multi-dimensional barcode in it or in a storage unit of the mobile payment device by means of software encryption.

In some embodiments of the present invention, in step (A), the multi-dimensional barcode is a fixed value obtained from the payment server system through the mobile payment device through an online application method by an application installed in the mobile payment device. form a multi-dimensional barcode, and the application stores a portion of the multi-dimensional barcode in a storage note of the mobile payment device Meta and/or a part is stored in the application program, and a part is stored in the payment server system or a cloud server. When the mobile payment device wants to display the multi-dimensional barcode, the application program communicates with the payment server system through the mobile payment device Or the cloud server is connected to obtain the part of the multi-dimensional barcode, and then combined with the part of the multi-dimensional barcode stored therein and/or stored in the storage unit to form the multi-dimensional barcode.

In some embodiments of the present invention, in step (A), the multi-dimensional barcode is a fixed value obtained from the payment server system through the mobile payment device through an online application method by an application installed in the mobile payment device. and the application program divides the multi-dimensional barcode into multiple files and stores them in a storage unit of the mobile payment device or in the application program. When the mobile payment device wants to display the multi-dimensional barcode, the application The program reads the files from it or from the storage unit and combines them into the multi-dimensional barcode; or the application program divides the multi-dimensional barcode into at least two files, encrypts at least one of the files, and then encrypts and protects at least one of the files. Such files are stored in the storage unit of the mobile payment device or in the application program, when the mobile payment device is to display the multi-dimensional barcode, the application program reads the files from it or from the storage unit, and according to the The inputted at least one password decrypts the at least one encrypted file to combine the files into the multi-dimensional barcode.

In some embodiments of the present invention, in step (A), the multi-dimensional barcode is dynamically generated by a hardware security carrier of the mobile payment device, and the first payment data is stored in the hardware security carrier in the device or by the mobile payment device according to the input A payment method is generated and provided to the hardware security vehicle. When the mobile payment device wants to display the multi-dimensional barcode, the hardware security vehicle requires a password, and after verifying that the password is correct, the mobile payment is made by the mobile payment device. The device requests an authentication parameter from the payment server, and the hardware security carrier uses a key to deposit the authentication parameter to generate the authentication information, and according to the authentication information and the first payment data and the authentication parameter The multidimensional barcode is generated.

In some implementation aspects of the present invention, in step (A), the multi-dimensional barcode is dynamically generated by an application program installed in the mobile payment device, and the first payment data is stored in the application program, or Generated by the mobile payment device according to an input payment method and provided to the application, when the mobile payment device wants to display the multi-dimensional barcode to execute the application, the application requires a password, and the password is verified After being correct, the application program requests an authentication parameter from the payment server system through the mobile payment device, and uses a key to deposit the authentication parameter to generate the authentication information, and according to the authentication information and the first payment data and The authentication parameters generate the multi-dimensional barcode.

In some implementation aspects of the present invention, the payment server system includes a business platform storing the key and the authentication parameter and a payment system, and in step (A), the hardware security vehicle passes the action The payment device requests the authentication parameter from the business platform. In step (B), the payment information also includes the authentication parameter. In step (C), the business platform receives the payment information and compares the payment information with the payment information. Authentication parameters After being the same as the authentication parameter stored in the business platform, the business platform uses the key stored in the business platform to deposit the authentication parameter stored in the business platform to generate a confirmation code, and confirms the payment information After the verification information in the verification code is the same as the generated confirmation code, the payment information is sent to the payment system, so that the payment system executes the payment procedure according to the payment information.

In some implementation aspects of the present invention, the payment server system includes a business platform and a payment system that stores the key and the authentication parameter, and in step (A), the hardware security vehicle passes the action The payment device requests the authentication parameter from the payment system, in step (B), the payment information also includes the authentication parameter, in step (C), the business platform receives the payment information and transmits it to the payment system, the payment After the system compares the authentication parameter in the payment information with the authentication parameter stored in the payment system, the payment system uses the key stored in the payment system to deposit the authentication parameter stored in the payment system to A confirmation code is generated, and after confirming that the verification information in the payment information is the same as the generated confirmation code, the payment procedure is executed according to the payment information.

In some embodiments of the present invention, in step (A), the multi-dimensional barcode is dynamically generated by a hardware security carrier of the mobile payment device, and the first payment data is stored in the hardware security carrier In the tool or generated by the mobile payment device according to an input payment method and provided to the hardware security vehicle, when the mobile payment device wants to display the multi-dimensional barcode, the hardware security vehicle requires a password to be input, and to verify the After the password is correct, the mobile payment device requests an authentication parameter from the payment server system and transmits a transaction payment amount to the payment server system, and the hardware security vehicle uses a key for the authentication parameter and the transaction payment amount A code is deposited to generate the verification information, and the multi-dimensional barcode is generated according to the verification information, the first payment data and the verification parameter.

In some implementation aspects of the present invention, in step (A), the multi-dimensional barcode is dynamically generated by an application program installed in the mobile payment device, and the first payment data is stored in the application program, or Generated by the mobile payment device according to an input payment method and provided to the application, when the mobile payment device wants to display the multi-dimensional barcode to execute the application, the application requires a password, and the password is verified After correct, the application program requests an authentication parameter from the payment server system via the mobile payment device and transmits a transaction payment amount to the payment server system, and uses a key to deposit the authentication parameter and the transaction payment amount to generate The verification information, and the multi-dimensional barcode is generated according to the verification information, the first payment data and the verification parameter.

In some implementation aspects of the present invention, the payment server system includes a business platform and a payment system storing the key, the authentication parameter and the transaction payment amount, and in step (A), the hardware security The vehicle requests the authentication parameter from the business platform via the mobile payment device and transmits the transaction payment amount to the business platform. In step (B), the payment information also includes the authentication parameter and the transaction payment amount. In step (B) C), the business platform receives the payment information and compares the payment information with the After the transaction payment amount and the authentication parameter are the same as the transaction payment amount and the authentication parameter stored in the business platform, the business platform uses the key stored in the business platform to code the authentication parameter stored in the business platform to generate a confirmation code, and after confirming that the verification information in the payment information is the same as the generated confirmation code, transmit the payment information to the payment system, so that the payment system executes the payment procedure according to the payment information.

In some implementation aspects of the present invention, the payment server system includes a business platform and a payment system that stores the key, the authentication parameter and the transaction payment amount, and in step (A), the hardware security The vehicle requests the authentication parameter from the payment system via the mobile payment device and transmits the transaction payment amount to the payment system. In step (B), the payment information also includes the authentication parameter and the transaction payment amount. In step (B) In C), the business platform receives the payment information and transmits it to the payment system, and the payment system compares the transaction payment amount and the authentication parameter in the payment information with the transaction payment amount and the authentication parameter stored in the payment system After the parameters are the same, the payment system uses the key stored in the payment system to deposit the authentication parameter stored in the payment system to generate a confirmation code, and confirms the verification information in the payment information and the generated After the confirmation code is the same, execute the payment procedure according to the payment information.

In some embodiments of the present invention, in step (A), the multi-dimensional barcode is dynamically generated by a hardware security carrier of the mobile payment device, and the first payment data is stored in the hardware security carrier In the device or generated by the mobile payment device according to an input payment method and provided to the hardware security vehicle, when the mobile payment device requires When displaying the multi-dimensional barcode, the hardware security device requires to input a password, and after verifying that the password is correct, the hardware security device generates the multi-dimensional bar code according to the verification information and the first payment data stored therein.

In some implementation aspects of the present invention, in step (A), the multi-dimensional barcode is dynamically generated by an application program installed in the mobile payment device, and the first payment data is stored in the application program or by The mobile payment device generates and provides the application program according to an input payment method. When the mobile payment device wants to display the multi-dimensional barcode, the application program requires the input of a password, and after verifying that the password is correct, the application program The multi-dimensional barcode is generated according to the verification information and the first payment data stored therein.

In some implementation aspects of the present invention, the payment server system includes a business platform and a payment system, and in step (C), the business platform receives the payment information and verifies that the verification information in the payment information is correct Then, make the payment system execute the payment procedure according to the payment information.

In some implementation aspects of the present invention, the payment server system includes a business platform and a payment system, and in step (C), the business platform receives the payment information and transmits the payment information to the payment system, and the payment After verifying that the verification information in the payment information is correct, the system executes the payment procedure according to the payment information.

In some implementation aspects of the present invention, in step (A), the multi-dimensional barcode is dynamically generated by a hardware security carrier of the mobile payment device, and the first payment The data is stored in the hardware security carrier or generated by the mobile payment device according to an input payment method and provided to the hardware security carrier. When the mobile payment device wants to display the multi-dimensional barcode, the hardware The security device requires input of a password, and after verifying that the password is correct, the mobile payment device sends a transaction payment amount to the payment server system, and the hardware security device is based on the verification information, the first payment data and the The transaction payment amount generates the multi-dimensional barcode.

In some implementation aspects of the present invention, in step (A), the multi-dimensional barcode is dynamically generated by an application program installed in the mobile payment device, and the first payment data is stored in the application program or by The mobile payment device generates and provides the application program according to an input payment method. When the mobile payment device wants to display the multi-dimensional barcode, the application program requires the input of a password, and after verifying that the password is correct, the application program A transaction payment amount is sent to the payment server system via the mobile payment device, and the multi-dimensional barcode is generated according to the verification information, the first payment data and the transaction payment amount stored therein.

In some embodiments of the present invention, the payment server system includes a business platform and a payment system, and in step (C), the business platform receives the payment information and verifies the transaction payment amount in the payment information After the verification information is correct, the payment system is made to execute the payment procedure according to the payment information.

In some implementation aspects of the present invention, the payment server system includes a business platform and a payment system, and in step (C), the business platform receives the payment information send the payment information to the payment system, and the payment system executes the payment process according to the payment information after verifying that the transaction payment amount in the payment information and the verification information are correct.

In some implementation aspects of the present invention, in step (A), the multi-dimensional barcode is provided by the payment server and dynamically generated, and the first payment data is stored in the payment server or by the payment server The system is generated according to a payment method provided by the mobile payment device. When the mobile payment device wants to display the multi-dimensional barcode and connects with the payment server system and requests the multi-dimensional barcode, the payment server system is based on the verification stored in it. information and the first payment information to generate the multi-dimensional barcode, or generate the first payment information according to the payment method provided by the mobile payment device, and generate the multi-dimensional barcode according to the first payment information and the verification information stored therein, and transmit the multi-dimensional barcode to the mobile payment device.

In some embodiments of the present invention, the payment server system includes a business platform and a payment system, and in step (A), the multi-dimensional barcode is dynamically generated by the business platform, and the first payment data is stored Generated in the business platform or by the business platform according to the payment method provided by the mobile payment device; when the mobile payment device wants to display the multi-dimensional barcode and is connected to the business platform and requests the multi-dimensional barcode, the business platform according to The verification information and the first payment information stored therein generate the multi-dimensional barcode, or the first payment information is generated according to the payment method provided by the mobile payment device, and the verification information stored therein is generated according to the first payment information News Generate the multi-dimensional barcode, and transmit the multi-dimensional barcode to the mobile payment device, and in step (C), the business platform receives the payment information and after verifying that the verification information in the payment information is correct, makes the payment system according to The payment information executes the payment procedure.

In some embodiments of the present invention, the payment server system includes a business platform and a payment system, and in step (A), the multi-dimensional barcode is dynamically generated by the payment system, and the first payment data is stored Generated by the payment system or by the payment system according to the payment method provided by the mobile payment device; when the mobile payment device wants to display the multi-dimensional barcode and is connected to the payment system and requests the multi-dimensional barcode, the payment system according to The verification information and the first payment information stored therein generate the multi-dimensional barcode, or the first payment information is generated according to the payment method provided by the mobile payment device, and the verification information stored therein is generated according to the first payment information information to generate the multi-dimensional barcode, and transmit the multi-dimensional barcode to the mobile payment device, and in step (C), the business platform receives the payment information and transmits the payment information to the payment system, and the payment system verifies the payment information After the verification information in is correct, execute the payment procedure according to the payment information.

In some implementation aspects of the present invention, in step (A), the multi-dimensional barcode is provided by the payment server and dynamically generated, and the first payment data is stored in the payment server or by the payment server The system is generated according to a payment method provided by the mobile payment device. When the mobile payment device wants to display the multi-dimensional barcode and connects with the payment server and requests the multi-dimensional barcode, the mobile payment device sends a The payment amount of the transaction is sent to the payment server system, and the payment server system generates the multi-dimensional barcode according to the verification information and the first payment data and the transaction payment amount stored therein, or the payment server system generates the multi-dimensional barcode according to the information provided by the mobile payment device. The payment method generates the first payment data, and generates the multi-dimensional barcode according to the first payment data, the verification information stored therein and the transaction payment amount, and transmits the multi-dimensional barcode to the mobile payment device.

In some embodiments of the present invention, the payment server system includes a business platform and a payment system, and in step (A), the multi-dimensional barcode is dynamically generated by the business platform, and the first payment data is stored Generated in the business platform or by the business platform according to the payment method provided by the mobile payment device; when the mobile payment device wants to display the multi-dimensional barcode and connects with the business platform and requests the multi-dimensional barcode, the mobile payment device Sending the transaction payment amount to the business platform, and the business platform generates the multi-dimensional barcode according to the verification information and the first payment data and the transaction payment amount stored therein, or the business platform generates the multi-dimensional barcode according to the mobile payment device. The payment method generates the first payment data, and generates the multi-dimensional barcode according to the first payment data and the verification information stored therein and the transaction payment amount, and transmits the multi-dimensional barcode to the mobile payment device, and in step (C ), the business platform receives the payment information and, after verifying that the transaction payment amount in the payment information and the verification information are correct, enables the payment system to execute the payment procedure according to the payment information.

In some implementation aspects of the present invention, the payment server system includes a merchant service platform and a payment system, and in step (A), the multi-dimensional barcode is dynamically generated by the payment system, and the first payment data is stored in the payment system or provided by the payment system according to the mobile payment device The payment method is generated; when the mobile payment device wants to display the multi-dimensional barcode and connects with the payment system and requests the multi-dimensional barcode, the mobile payment device transmits the transaction payment amount to the payment system, and the payment system stores the The multi-dimensional barcode is generated from the verification information and the first payment information and the transaction payment amount, or the first payment information is generated according to the payment method provided by the mobile payment device, and the first payment information is stored in the The verification information and the transaction payment amount therein generate the multi-dimensional barcode, and transmit the multi-dimensional barcode to the mobile payment device, and in step (C), the business platform receives the payment information and transmits the payment information to the payment system , the payment system executes the payment procedure according to the payment information after verifying that the payment amount of the transaction in the payment information and the verification information are correct.

In some embodiments of the present invention, in step (B), the seller device scans the multi-dimensional barcode but does not decode the multi-dimensional barcode, generates the payment information according to the multi-dimensional barcode and the second payment data, and transmits it The payment information is sent to the payment server system, and in step (C), the payment server system decodes the multi-dimensional barcode in the payment information to obtain the first payment information and the verification information, and converts the first payment information Combine with the second payment data to form a payment instruction, and after verifying that the verification information is correct, execute the payment procedure according to the payment instruction.

In some embodiments of the present invention, in step (B), the seller device scans and decodes the multi-dimensional barcode to obtain the first payment information and the verification information, and according to the first payment information and the first payment information 2. The payment information generates a payment instruction, and then generates the payment information according to the payment instruction and the verification information, and transmits the payment information to the payment server system, and in step (C), the payment server system verifies that the payment information is included in the payment information. After the verification information is correct, execute the payment procedure according to the payment instruction in the payment information.

In some embodiments of the present invention, the hardware security carrier is a mobile payment card removably electrically connected to the mobile payment device or a mobile payment module built in the mobile payment device.

In some implementation aspects of the present invention, the first payment information at least includes a payment account information of the buyer, and the second payment information at least includes a payment account information of the seller.

Furthermore, another multi-dimensional barcode mobile payment method of the present invention is applied between a mobile payment device held by a user and a seller device held by a store, and includes the following steps: (A) the mobile payment device Displaying a multi-dimensional barcode, the multi-dimensional barcode includes a verification information and a first payment information; (B) the seller device scans the multi-dimensional barcode and decodes it to obtain the verification information and the first payment information, and verify After the verification information is correct, execute a payment procedure according to the first payment information and the seller's at least one payment account information; and (C) after the seller's device completes the payment procedure, The seller device records and displays a payment result and returns the payment result to the mobile payment device, or the seller device records the payment result and returns the payment result to the mobile payment device, or the seller device records and displays the payment result.

According to the multi-dimensional barcode mobile payment method described in paragraph 0038, in some embodiments of the present invention, the multi-dimensional barcode in step (A) is as described in paragraphs 0005 to 0011, 0020, and 0020 above. It is generated in the manner described in paragraphs 0021 and 0028, and will not be repeated here.

In some implementation aspects of the present invention, in step (C), the seller device also transmits the payment result to a payment system, so that the payment system performs a deduction operation according to the payment result.

In some implementation aspects of the present invention, the first payment data at least includes payment account data of a payment system of the buyer.

Furthermore, a mobile payment device implementing the above method in the present invention can communicate with a payment server system, and the payment server system can communicate with a seller device; the mobile payment device includes: a communication unit, which can communicate with the payment server through a network. The payment servo system communicates; a display unit is used to display a multi-dimensional barcode, the multi-dimensional barcode includes a verification information and a first payment data; a processing unit is electrically coupled with the display unit; a multi-dimensional barcode is generated module; and an input unit for inputting a password, and providing the password to the multi-dimensional barcode generating module through the processing unit; wherein after the multi-dimensional barcode generating module verifies that the password is correct, according to the verification information and the The first payment information dynamic The multi-dimensional barcode is generated, and the processing unit outputs the multi-dimensional barcode to the display unit for display for the seller's device to scan; thereby, the seller's device can generate a payment information according to the multi-dimensional barcode and a second payment data and send it to the payment server system, wherein the second payment information is provided by the seller device; and enable the payment server system to obtain the verification information from the payment information, and after verifying that the verification information is correct, according to the payment The information executes a payment procedure and returns a payment result related to the payment procedure to the mobile payment device and the seller device; and the communication unit receives the payment result and outputs the payment result to the display through the processing unit unit display.

In some embodiments of the present invention, the multi-dimensional barcode generation module is a hardware security carrier or an application installed in the mobile payment device, and the hardware security carrier is a removable A mobile payment card electrically connected with the mobile payment device or a mobile payment module built in the mobile payment device.

In addition, the present invention provides a payment server system for realizing the above method, which can communicate with a mobile payment device and a seller device, and includes: a business platform, which can communicate with the mobile payment device and the seller device through a network; and a payment system capable of communicating with the business platform; wherein the business platform provides a multi-dimensional barcode including a verification information and a first payment data to the mobile payment device, so that the mobile payment device can display the multi-dimensional barcode for the mobile payment device The seller's device scans the multi-dimensional barcode, and the seller's device generates a payment information according to the multi-dimensional barcode and a second payment data and transmits it to the merchant The second payment information is provided by the seller device; the business platform obtains the verification information from the payment information, and after verifying that the verification information is correct, transmits the payment information to the payment system, so that the payment system Execute the payment procedure according to the payment information and generate a payment result related to the payment procedure, and return the payment result to the mobile payment device and the seller device through the business platform; the multi-dimensional barcode is a fixed multi-dimensional barcode, or Dynamically generated by the business platform according to the first payment data, and the first payment data is stored in the business platform or generated by the business platform according to a payment method provided by the mobile payment device, when the mobile payment device requests When the multi-dimensional barcode is used, the business platform generates the multi-dimensional barcode according to the verification information and the first payment data stored therein, or generates the first payment data according to the payment method provided by the mobile payment device, and generates the first payment data according to the first payment data. The payment data and the verification information stored therein generate the multi-dimensional barcode, and transmit the multi-dimensional barcode to the mobile payment device.

The effect of the present invention is that: a multi-dimensional barcode is displayed by the mobile payment device for the seller's device to scan, and the seller's device generates a payment information according to the multi-dimensional barcode and transmits it to the payment server, so that the payment server can verify according to the payment information. And execute a payment procedure, or the seller's device directly verifies and executes a payment procedure according to the multi-dimensional barcode, and returns a payment result to the mobile payment device, so as to achieve real-time verification of the transaction legitimacy of mobile payment to ensure transaction security. Purpose.

1: Mobile payment device

11: Communication unit

12: Display unit

13: Storage unit

14: Hardware Safety Vehicle

15: Input unit

16: Processing unit

2: Seller's device

3: Payment Servo System

31: Commerce Platform

32: Payment System

4: Cloud server

S1~S11: Steps

S41~S49: Steps

160: Apps

Other features and effects of the present invention will be described with reference to the embodiments of the drawings 1 is a flow chart illustrating the main flow steps of the first embodiment of the mobile payment method of the present invention; FIG. 2 is a circuit block diagram, mainly illustrating that the mobile payment device in the first embodiment includes: The circuit block and the electronic device included in the payment server system; FIG. 3 is a circuit block diagram, mainly illustrating that the mobile payment device omits the hardware security carrier and the processing unit executes an application program; and FIG. The main process steps of the second embodiment of the invention action payment method.

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

Referring to FIG. 1 , it is a flow chart of a first embodiment of the multi-dimensional barcode mobile payment method of the present invention. This embodiment is applied to a mobile payment device 1 , a seller device 2 and a mobile payment device 1 and the seller device 2 . Communication payment server system 3; wherein the mobile payment device 1 can be a smart phone, a tablet computer or other mobile electronic device with wireless communication capability held by the buyer, and the seller device 2 can be a store owned by the seller. Personal computers, notebook computers, tablet computers, smart phones or other mobile electronic devices with wireless communication capabilities, etc.

As shown in FIG. 1 , the multi-dimensional barcode action payment method of this embodiment is as follows. First, when a user (buyer) buys a product at a store and wants to use mobile payment, after the user opens an application 160 (such as a multi-dimensional barcode payment software) installed in the mobile payment device 1 held by the user, the application 160 Step S1 as shown in FIG. 1 is performed, and a multi-dimensional barcode is displayed on the mobile payment device 1 for the seller’s device 2 to scan. The multi-dimensional barcode can be a one-dimensional barcode, a two-dimensional barcode, a QR code or a three-dimensional barcode, etc. is limited, and it mainly includes a verification information and a first payment information. Next, as shown in step S2 of FIG. 1 , after scanning the multi-dimensional barcode, the seller device 2 will execute steps S3 and S4 of FIG. 1 , generate a payment information according to the multi-dimensional barcode and a second payment data, and transmit the payment information to payment Servo system 3, wherein the second payment information is provided by the seller device 2, and the first payment information at least includes a payment account information of the buyer, and the second payment information at least includes a payment account information of the seller, for example That is, if the seller sells commodities with a fixed amount, and the payment server 3 knows the amount of the commodity, the first payment data only needs to include the buyer's payment account data, and the second payment data only needs to include the seller The first payment data may also include a transaction payment amount and data of the mobile payment device 2, etc., but not limited thereto. And the second payment information usually also includes a merchant number, commodity name, commodity quantity, commodity amount, merchant device information (device IP Address, device unique identification code) of the seller, etc., but not limited thereto. In addition, the verification information may also include the payment amount of the transaction, the buyer's payment account information, verification code, etc., but not limited thereto.

Then, as shown in step S5 of FIG. 1, the payment server system 3 will obtain the verification information from the payment information, and execute step S6 of FIG. 1 to verify whether the verification information is correct, and if so, execute step S7 of FIG. 1, Execute a payment procedure according to the payment information, and after completing the payment procedure, as shown in step S8 in FIG. 1 , the payment server system 3 returns a payment result related to the payment procedure to the mobile payment device 1 and the mobile payment device 1 The seller device 2, the mobile payment device 1 and the seller device 2, as shown in steps S9 and S10 in FIG. 1, display the payment result, so that the buyer and the seller can confirm the payment result in real time. The payment result may be that the payment system 32 returns a successful payment result after the payment operation is completed, or the payment system 32 finds that the payment tool used by the mobile payment device 1 cannot pay when executing the payment procedure (for example, : cash transfer, when it is transferred from the buyer's account, it is found that the balance is insufficient; or the credit card is disabled... etc.), the payment system 32 will notify the mobile payment device 1 and the seller device 2 with the payment result, so the The display unit 12 of the mobile payment device 1 will display messages such as insufficient account balance or deactivated credit card, etc., or at the same time display a message asking the buyer to select other payment instruments for payment or to abort the payment operation; therefore, if the buyer chooses When using other payment tools to make payment, the mobile payment device 1 will redisplay the multi-dimensional barcode for the seller's device 2 to re-scan, so as to perform the above-mentioned multi-dimensional barcode mobile payment process again.

If, in the above step S6, the payment server 3 verifies that the verification information is incorrect, as shown in step S11 in FIG. 1, the payment server 3 will send a verification message. A verification failure message is sent to the mobile payment device 1 and the seller device 2, so that a verification failure message is displayed to notify the buyer and the seller that the payment verification is unsuccessful.

Specifically, as shown in FIG. 2 , the mobile payment device 1 of this embodiment mainly includes a communication unit 11 , a display unit 12 , a storage unit 13 , a hardware security carrier 14 , an input unit 15 and an The processing unit 16 to which the aforementioned elements are electrically connected. And the payment server system 3 includes a business platform 31 capable of communicating with the mobile payment device 1 and the seller device 2 via a network (eg, the Internet), and a payment system 32 capable of communicating with the business platform 31 .

The communication unit 11 can communicate with the business platform 31 of the payment server system 3 and the cloud server 4 through a network (such as the Internet), the storage unit 13 stores the above-mentioned application program 160; the hardware security carrier 14 stores the The multi-dimensional bar code is set with a password, and the multi-dimensional bar code is a fixed multi-dimensional bar code provided in advance by the business platform 31 of the payment server system 3 . In this embodiment, the hardware security carrier 14 is a mobile payment card removably electrically connected to the mobile payment device 1 or a mobile payment module built in the mobile payment device 1 . The input unit 15 can be any input interface for the user to input to control the mobile payment device 1 , such as a keyboard, a touch keyboard or a touch screen.

Therefore, in the above step S1, when the user wants to use the multi-dimensional barcode to open the application 160 installed in the mobile payment device 1 through the input unit 15, the processing unit 16 will ask the user to input a password, and provide the password to the hardware safety vehicle 14. After the hardware security carrier 14 verifies that the password is correct, the multi-dimensional barcode is output to the display unit 12 via the processing unit 16 for display. And the above-mentioned fixed multi-dimensional barcode is usually applied to the commodity transaction of micropayment.

In addition, in the above step S1, the present embodiment has the following ways to display the multi-dimensional barcode.

The mobile payment device 1 can store a part of the above-mentioned fixed multi-dimensional barcode in the hardware security carrier 14 of the mobile payment device 1, and a part in the business platform 31 of the payment server system 3 or a cloud server 4; when When the user wants to use the multi-dimensional barcode to open the application program 160 of the mobile payment device 1, the processing unit 16 will connect with the business platform 31 of the payment server system 3 or the cloud server 4 through the communication unit 11, and request the user to input a password, and provide the password to the hardware security carrier 14 to verify that the password is correct, then obtain the part of the multi-dimensional barcode from the business platform 31 of the payment server 3 or the cloud server 4, and associate it with the hardware security device 14. The part of the multi-dimensional barcode stored in the body safety carrier 14 is combined into the multi-dimensional barcode and displayed on the display unit 12 .

Alternatively, the multi-dimensional barcode can also be divided into multiple files and stored in the hardware security carrier 14 of the mobile payment device 1. When the user wants to use the multi-dimensional barcode to open the application 160 of the mobile payment device 1, the processing unit 16 will ask the user to enter a password and provide the password to the hardware security vehicle 14, the hardware security vehicle 14 After verifying that the password is correct, the processing unit 16 can read the files from the hardware security carrier 14 and combine them into the multi-dimensional barcode to display on the display unit 12 .

Alternatively, when the mobile payment device 1 does not have the hardware security carrier 14, the multi-dimensional barcode can also be divided into at least two files and stored in the storage unit 13 of the mobile payment device 1, and among these files at least A file is encrypted and protected. Therefore, when the user wants to use the multi-dimensional barcode to open the application program 160 of the mobile payment device 1, the processing unit 16 will read the files from the storage unit 13 and require the user to input at least one password, and according to the password will be After the encrypted protected at least one file is decrypted, the files are combined into the multi-dimensional barcode and displayed on the display unit 12 .

Alternatively, the multi-dimensional barcode can also be a fixed multi-dimensional barcode obtained by the application 160 installed in the mobile payment device 1 from the business platform 31 of the payment server system 3 through the mobile payment device 1 through an online application method, and the The application program 160 also stores the multi-dimensional barcode therein or in the storage unit 13 of the mobile payment device 1 in a software encryption manner. Therefore, when the user wants to use the multi-dimensional barcode to open the application program 160 installed on the mobile payment device 1 through the input unit 15, the application program 160 will ask the user to input a password, and after the application program 160 verifies that the password is correct, the application program 160 will 160, the multi-dimensional barcode is taken out from the storage unit 13 and decrypted, and then output to the display unit 12 via the processing unit 16 for display.

Alternatively, the aforementioned application 160 may also store a part of the multi-dimensional barcode in the storage unit 13 of the mobile payment device 1 and/or a part in the application A part of the program 160 is stored in the business platform 31 of the payment server system 3 or the cloud server 4 . Therefore, when the user wants to use the multi-dimensional barcode to open the application program 160 of the mobile payment device 1, the application program 160 will ask the user to input a password, and after the application program 160 verifies that the password is correct, the application program 160 will pass the The mobile payment device 1 is connected to the business platform 31 of the payment server system 3 or the cloud server 4 to obtain the part of the multi-dimensional barcode, and then use it with the part of the multi-dimensional barcode stored therein and/or stored in the storage unit 13 After the barcode is combined into the multi-dimensional barcode, it is output to the display unit 12 for display through the processing unit 16 .

Alternatively, the application 160 can also divide the multi-dimensional barcode into multiple files and store them in the storage unit 13 of the mobile payment device 1 or in the application 160. When the user wants to use the multi-dimensional barcode to open the mobile payment device 1, the application 160 will ask the user to enter a password, and after the application 160 verifies that the password is correct, the application 160 reads the files from it or from the storage unit 13 and combines them into the After the multi-dimensional barcode is outputted to the display unit 12 for display via the processing unit 16 . Alternatively, the application program 160 divides the multi-dimensional barcode into at least two files, encrypts and protects at least one of the files, and stores the files in the storage unit 13 of the mobile payment device 1 or in the storage unit 13 of the mobile payment device 1 . In the application program 160 itself, when the mobile payment device 1 is to display the multi-dimensional barcode, the application program 160 reads the files therefrom or from the storage unit 13, and encrypts the files according to the input at least one password. After the at least one file is decrypted, the The files are assembled into the multi-dimensional barcode, and the processing unit 16 outputs the multi-dimensional barcode to the display unit 12 for display.

In addition, the multi-dimensional barcode can also be dynamically generated by the hardware security carrier 14 of the mobile payment device 1 . In this embodiment, when there is only one payment method, such as the one set by the user in the application program 160 of the mobile payment device 1 If only one credit card is used for the payment tool, the first payment information will be pre-stored in the hardware security carrier 14; or when there are two or more payment methods, for example, the user is in the application program 160 of the mobile payment device 1 When there are several credit cards and cash transfers in the set payment instruments, the processing unit 16 of the mobile payment device 1 generates the first payment data according to a payment method selected and input by the user and provides it to the hardware security carrier 14 . Therefore, when the mobile payment device 1 wants to display the multi-dimensional barcode, the hardware security carrier 14 will require the user to input a password, and after verifying that the password is correct, the hardware security carrier 14 passes the processing unit 16 and the The communication unit 11 is connected to the business platform 31 of the payment server system 3 to request an authentication parameter from the payment server system 3, and use a key shared with the business platform 31 of the payment server system 3 to press the authentication parameter. After the multi-dimensional barcode is generated according to the verification information, the first payment data and the authentication parameter, the multi-dimensional barcode is output to the display unit 12 for display through the processing unit 16 .

Alternatively, when the mobile payment device 1 does not have the hardware security carrier 14, the multi-dimensional barcode can also be dynamically generated by the application program 160 installed in the mobile payment device 1, In this embodiment, when there is only one payment method, for example, the payment tool set by the user in the application program 160 of the mobile payment device 1 uses only one credit card, the first payment data will be pre-stored in the application program 160; or when there are two or more payment methods, for example, when the user has several credit cards and cash transfers as the payment tools set in the application 160 of the mobile payment device 1, the processing unit 16 of the mobile payment device 1 will use the The first payment data is generated and provided to the application 160 by a payment method selected and input by the user. Therefore, when the mobile payment device 1 executes the application program 160 to display the multi-dimensional barcode, the application program 160 requires the user to input a password, and after verifying that the password is correct, the application program 160 passes through the mobile payment device 1. Request an authentication parameter from the business platform 31 of the payment server system 3, and use a key shared with the business platform 31 to scramble the authentication parameter to generate the verification information, and based on the verification information and the first payment data And the authentication parameter generates the multi-dimensional barcode, so that the processing unit 16 outputs the multi-dimensional barcode to the display unit 12 for display.

Therefore, in the above-mentioned step S5, the business platform 31 stores the key and the authentication parameter, and after the business platform 31 receives the payment information and obtains the verification information therefrom, in the above-mentioned step S6, the business platform 31 Compare whether the authentication parameter in the payment information is the same as the authentication parameter stored by the business platform 31 itself, if so, the business platform will use the key stored by itself to deposit the authentication parameter stored by itself to generate a confirmation code, and confirm the verification information in the payment information with the original Only after the confirmation code generated by itself is the same (that is, the verification information is correct), the payment information is sent to the payment system 32 to execute the above steps S7 and S8, and the payment system 32 executes the payment process according to the payment information and generates the payment. As a result, the payment result is transmitted to the mobile payment device 1 and the seller device 2 .

In addition, another alternative is that the above-mentioned payment system 32 stores the key and the authentication parameter, and the hardware security vehicle 14 or the application 160 of the mobile payment device 1 is sent to the payment system through the mobile payment device 1 32. Request the authentication parameter and use a key shared with the payment system to key the authentication parameter to generate the authentication message. And in the above-mentioned step S5, the business platform 31 will transmit the received payment information to the payment system 32, and in the above-mentioned step S6, the payment system 32 compares the authentication parameter in the payment information with the one stored by itself. Whether the authentication parameters are the same, if so, the payment system 32 uses the key stored by itself to deposit the authentication parameters stored by itself to generate a confirmation code, and confirms that the authentication information in the payment information is the same as that generated by itself. After the confirmation codes are the same (ie, the verification information is correct), the above steps S7 and S8 are executed, and the payment system 32 executes the payment procedure according to the payment information.

Another variation of the implementation of the above paragraphs 0062 to 0065 is that the hardware security vehicle 14 or the application 160 sends to the business platform 31 or the payment system 32 of the payment server 3 via the mobile payment device 1 At the same time as the authentication parameters are required, a transaction payment amount is also transmitted to the commerce platform 31 or payment system 32 . The amount of the transaction payment can be verbally informed by the seller to the buyer when the buyer pays for the transaction, Then, the buyer inputs the transaction payment amount on a transaction amount input screen (not shown) provided by the application program 160 of the mobile payment device 1; For example, NFC performs short-distance wireless communication with the seller's device 2, and the processing unit 16 executes the application program 160 and causes the communication unit 11 to receive the payment bill data from the seller's device 2 and display it on the display unit 12 for the user ( After the buyer) confirms that it is correct, the hardware security carrier 14 or the application program 160 transmits the transaction payment amount included in the payment billing data to the business platform 31 or the payment system 32 via the mobile payment device 1 . And the hardware security device 14 or the application 160 uses the key to deposit the authentication parameter and the transaction payment amount to generate the authentication information, and generates the authentication information according to the authentication information, the first payment data and the authentication parameter. Multidimensional barcode.

Therefore, the business platform 31 or the payment system 32 will store the key, the authentication parameter and the transaction payment amount, and in the above steps S5 and S6, the business platform 31 or the payment system 32 will compare the transaction in the payment information Whether the payment amount and the authentication parameter are the same as the transaction payment amount and the authentication parameter stored in itself; After confirming that the verification information in the payment information is the same as the verification code generated by itself (ie, the verification information is correct), the above steps S7 and S8 are executed, and the payment system 32 executes the payment procedure according to the payment information.

Furthermore, another way for the above-mentioned hardware security carrier 14 to dynamically generate the multi-dimensional barcode is to directly generate the multi-dimensional barcode without obtaining authentication parameters from the payment server 3. In this embodiment, the hardware security carrier 14 and the payment The business platform 31 of the server system 3 needs to store the pre-set (agreed) verification information in advance. Then when the mobile payment device 1 wants to display the multi-dimensional barcode, the hardware security carrier 14 requires the user to input a password, and after verifying that the password is correct, the hardware security carrier 14 The verification information and the first payment data generate the multi-dimensional barcode and are output to the display unit 12 via the processing unit 16 for display.

Alternatively, when the mobile payment device 1 does not have the hardware security carrier 14 , the above-mentioned multi-dimensional barcode can also be authenticated by the application 160 installed in the mobile payment device 1 without going through the mobile payment device 1 to the payment server 3 for authentication In the case of parameters, it is dynamically generated, that is, the application program 160 and the business platform 31 of the payment server system 3 need to store the verification information in advance. The program 160 requires the user to input a password, and after verifying that the password is correct, the application program 160 generates the multi-dimensional barcode according to the verification information and the first payment information stored therein and outputs it to the display unit 12 via the processing unit 16 show.

Therefore, in the above-mentioned step S5, after the business platform 31 receives the payment information and obtains the verification information therefrom, in the above-mentioned step S6, the business platform 31 verifies that the verification information extracted from the payment information is correct with the verification information stored therein later, The payment information is sent to the payment system 32 , so that the payment system 32 executes the payment procedure according to the payment information, and sends the payment result to the mobile payment device 1 and the seller device 2 .

In addition, another alternative solution is that the above-mentioned hardware security carrier 14 and the payment system 32 respectively pre-store the pre-set (agreed) verification information, and in the above-mentioned step S5, the business platform 31 receives the payment information and transmits it. The payment information is sent to the payment system 32. Therefore, in the above step S6, the payment system 32 uses the verification information stored by itself to verify that the verification information in the payment information is correct, and then executes the above step S7, and executes the process according to the payment information. the payment procedure.

Another variation of the implementation in paragraphs 0068 to 0071 above is when the mobile payment device 1 wants to display the multi-dimensional barcode, and the hardware security carrier 14 or the application 160 verifies that the password entered by the user is correct , the hardware security vehicle 14 or the application program 160 also transmits a transaction payment amount to the business platform 31 or the payment system 32 of the payment server system 3 via the mobile payment device 1, and according to the verification information stored therein, the The first payment information and the transaction payment amount generate the multi-dimensional barcode. Similarly, the transaction payment amount may be input by the buyer on the mobile payment device 1 when the buyer pays for the transaction; or, the communication unit 11 of the mobile payment device 1 receives the payment account from the seller device 2 through, for example, NFC. The single data is displayed on the display unit 12 for the user (buyer) to confirm that it is correct, and then the hardware safety carrier 14 or the application 160 transmits the transaction payment amount contained in the payment billing data to the commerce platform 31 or the payment system 32 via the mobile payment device 1 .

Therefore, in the above-mentioned steps S5 and S6, the business platform 31 or the payment system 32 will compare the transaction payment amount in the payment information and the verification information with the transaction payment amount and the verification information stored in the payment information. Whether it is the same, if so, Only after the above steps S7 and S8 are executed, the payment system 32 executes the payment procedure according to the payment information.

Alternatively, the multi-dimensional barcode can also be dynamically generated by the payment server system 3. In this embodiment, the first payment data and the verification information are pre-stored in the business platform 31 of the payment server system 3, or as described above. , the first payment data is generated by the business platform 31 of the payment server system 3 according to a payment method provided by the mobile payment device 1 . Therefore, when the mobile payment device 1 wants to display the multi-dimensional barcode and connects with the business platform 31 of the payment server 3 and requests the multi-dimensional barcode, the business platform 31 of the payment server will ask the user to input a password, and After verifying that the password is correct, the business platform 31 generates the multi-dimensional barcode according to the verification information and the first payment information stored therein, or generates the first payment information according to the payment method provided by the mobile payment device 1, and The multi-dimensional barcode is generated according to the first payment data and the verification information stored therein, and the multi-dimensional barcode is transmitted to the mobile payment device 1 .

Therefore, in the above-mentioned step S5, the business platform 31 receives the payment information and obtains the verification information therefrom, and in the above-mentioned step S6, the business platform 31 verifies After the verification information in the payment information is correct, the payment information is transmitted to the payment system 32 so that the payment system 32 executes the payment procedure according to the payment information.

Furthermore, another alternative solution is that the above-mentioned first payment data and the verification information are pre-stored in the payment system 32 of the payment server system 3, or the first payment data are stored by the payment system 32 according to the A payment method provided by the mobile payment device 1 is generated. Therefore, when the mobile payment device 1 connects with the payment system 32 to display the multi-dimensional barcode and requests the multi-dimensional barcode, the payment system 32 requires the user to input a password, and after verifying that the password is correct, the payment system 32 generates the multi-dimensional barcode according to the verification information and the first payment information stored therein, or generates the first payment information according to the payment method provided by the mobile payment device 1, and generates the first payment information according to the first payment information and the first payment information The verification information therein generates the multi-dimensional barcode, and transmits the multi-dimensional barcode to the mobile payment device 1 . Therefore, in the above step S5, the business platform 31 receives the payment information and transmits the payment information to the payment system 32. In the above steps S6 and S7, the payment system 32 verifies that the verification information in the payment information is correct Then, execute the payment procedure according to the payment information.

Another variation of the implementation of the above paragraphs 0074 to 0076 is when the mobile payment device 1 is connected to the business platform 31 or the payment system 32 of the payment server 3 to display the multi-dimensional barcode and requests the multi-dimensional barcode The mobile payment device 1 also transmits a transaction payment amount to the business platform 31 or the payment system 32, and the business platform 31 or the payment system 32 verifies that the password entered by the user is correct. After confirmation, the multi-dimensional barcode is generated according to the verification information, the first payment information and the transaction payment amount stored in it, or the first payment information is generated according to the payment method provided by the mobile payment device 1, and according to the The first payment data and the verification information stored therein and the transaction payment amount generate the multi-dimensional barcode. Similarly, the transaction payment amount may be input by the buyer on the mobile payment device 1 when the buyer pays for the transaction; or, the communication unit 11 of the mobile payment device 1 receives the payment account from the seller device 2 through, for example, NFC. The bill data is displayed on the display unit 12 for the user (buyer) to confirm that it is correct. The application 160 of the mobile payment device 1 transmits the transaction payment amount contained in the payment bill data to the mobile payment device 1 via the mobile payment device 1. Commerce platform 31 or payment system 32 .

Therefore, in the above steps S5 and S6, after the business platform 31 or the payment system 32 verifies that the transaction payment amount and the verification information in the payment information are the same as the transaction payment amount and the verification information stored in the payment information, the payment system 32 to execute the payment procedure according to the payment information.

In addition, in the above step S3, after scanning the multi-dimensional barcode, the seller device 2 does not decode the multi-dimensional barcode, and generates the payment information according to the multi-dimensional barcode and the second payment data, and transmits the payment information in step S4 including the The second payment data and the payment information of the multi-dimensional barcode are sent to the payment server 3, and in step S5, the business platform 31 of the payment server 3 decodes the multi-dimensional barcode in the payment information to obtain the first payment information and the verification information, and associate the first payment information with the second The payment data are combined into a payment instruction, and the payment instruction is sent to the payment system 32, so that the payment system 32 performs the above-mentioned step S7, and executes the payment procedure according to the payment instruction.

Alternatively, in the above-mentioned steps S3 and S4, the seller device 2 directly decodes the multi-dimensional barcode after scanning it, so as to obtain the first payment information and the verification information therefrom, and make payment according to the first payment information and the second payment information. The data generates a payment instruction, and generates the payment information according to the payment instruction and the verification information, and then transmits the payment information to the payment server system 3. In step S5, the business platform 31 of the payment server system 3 verifies the payment information in the payment information. After verifying that the information is correct, the payment instruction in the payment information is sent to the payment system 32, so that the payment system 32 performs the above step S7, and executes the payment procedure according to the payment instruction.

It is worth mentioning that the above-mentioned hardware security carrier 14 and the application program 160 capable of dynamically generating a multi-dimensional barcode can also be referred to as a multi-dimensional barcode generating module. And the above-mentioned steps performed by a single business platform 31 can also be performed by a plurality of business platforms 31 (that is, the payment server system 3 can include a plurality of business platforms 31), and the above-mentioned steps performed by a single payment system 32 can also be performed by multiple business platforms 31. (that is, the payment server system 3 may also include a plurality of payment systems 32).

Referring to FIG. 4 again, it is a flow chart of the second embodiment of the multi-dimensional barcode mobile payment method of the present invention. The difference from the above-mentioned first embodiment is that when the on-site transaction is carried out, this embodiment does not require the above-mentioned payment method. The server system 3 performs verification and payment operations As long as the mobile payment device 1 owned by the user and the seller device 2 owned by the store owner can complete the mobile payment process, in addition to this, the mobile payment device 1 of this embodiment and the above-mentioned first embodiment and FIG. 2 , which are the same as those shown in FIG. 3 , so they will not be repeated here.

The multi-dimensional barcode action payment method of this embodiment is as follows. First, when a user (buyer) purchases a product at a store and wants to use mobile payment, the user opens an application 160 (such as a multi-dimensional barcode payment software) installed in the mobile payment device 1 held by the user, then the application 160 Step S41 as shown in FIG. 4 is executed, and a multi-dimensional barcode is displayed on the mobile payment device 1 for the seller device 2 to scan, wherein the multi-dimensional barcode includes a verification information and a first payment information (same as the first embodiment of the first embodiment described above). payment data); then, as shown in step S42 in FIG. 4 , after scanning the multi-dimensional barcode, the seller device 2 executes step S43 in FIG. 4 to decode the multi-dimensional barcode to obtain the verification information and the first payment data, and the A payment profile contains at least one payment account profile for the buyer.

Then, as shown in step S44 in FIG. 4 , the seller device 2 verifies whether the verification information is correct, and if so, executes step S45 in FIG. 4 , executes a payment procedure according to the first payment information and the payment account information of the seller, and After completing the payment procedure, as shown in step S46 in FIG. 4 , the seller device 2 records and displays a payment result. Meanwhile, as shown in step S47 in FIG. 4 , the seller device 2 communicates with the mobile payment device 1 through a short-range wireless communication function such as NFC. The communication unit 11 performs short-distance wireless communication, and transmits the payment result to the mobile payment device 1, and as shown in step S48 of FIG. 4, the line The mobile payment device 1 displays the payment result, so that the buyer can instantly confirm the payment result. In addition, in the above steps S46 and S47, the seller device 2 may also only record the payment result and transmit the payment result to the mobile payment device 1, or the seller device 2 only executes the above step S46 to record and display the payment result. , and the above step S47 is omitted.

And the seller device 2 transmits the payment result to the payment system 32 of the payment server system 3 to request the payment from the payment system 32 after the above-mentioned payment operation is completed, for example, after the end of one business day, the payment system 32 according to the The payment result (which at least includes the buyer's payment account information and the seller's payment account information) performs a deduction operation.

If in the above step S44, the seller device 2 verifies that the verification information is incorrect, then as shown in step S49 in FIG. 4, the seller device 2 will send a verification failure message to the mobile payment device 1, so that the verification failure message is displayed, to notify the buyer that the payment verification was unsuccessful.

In addition, the multi-dimensional barcode of this embodiment is a fixed multi-dimensional barcode provided in advance by the business platform 31 of the payment server system 3 shown in FIG. 2 , and the various ways of storing and reading the fixed multi-dimensional barcode are the same as the above The first embodiment is the same, so it will not be repeated here.

In addition, as described in the first embodiment, the multi-dimensional barcode of this embodiment can also be used by the hardware security carrier 14 or the application 160 of the mobile payment device 1 without the need for It is dynamically generated when the authentication parameters are obtained, or is dynamically generated by the business platform 31 of the payment server system 3 , so it is not repeated here.

To sum up, in the present invention, the mobile payment device 1 displays a multi-dimensional barcode for the seller's device 2 to scan, and the seller's device 2 generates a payment information according to the multi-dimensional barcode and sends it to the payment server 3, so that the payment information is based on the payment information. Verify and execute a payment procedure, or the seller device 2 directly verifies and executes a payment procedure according to the multi-dimensional barcode, and returns a payment result to the mobile payment device to achieve the instant verification of the transaction legality of mobile payment in the present invention. The efficacy and purpose of ensuring transaction security.

However, the above are only examples of the present invention, and should not limit the scope of implementation of the present invention. Any simple equivalent changes and modifications made according to the scope of the patent application of the present invention and the contents of the patent specification are still included in the scope of the present invention. within the scope of the invention patent.

1‧‧‧Mobile payment device

2‧‧‧Seller's device

3‧‧‧Payment Server System

Steps S1~S11‧‧‧

Claims (9)

A multi-dimensional barcode mobile payment method is applied to a mobile payment device held by a user, a seller device owned by a store, and a payment server system capable of communicating with the mobile payment device and the seller device via a network, and comprising: The following steps: (A) When the mobile payment device wants to display a multi-dimensional barcode and is connected to the payment server system and requests the multi-dimensional barcode, the mobile payment device transmits a transaction payment amount to the payment server system, and the payment The server system generates the multi-dimensional barcode according to a first payment data and a verification information stored therein and the transaction payment amount, and transmits the multi-dimensional barcode to the mobile payment device, so that the mobile payment device displays the multi-dimensional barcode; (B) The seller device scans the multi-dimensional barcode, and generates a payment information according to the multi-dimensional barcode and a second payment data and transmits it to the payment server, and the second payment data is provided by the seller device; (C) the payment server The system obtains the verification information and the transaction payment amount contained in the multi-dimensional barcode from the payment information, and after verifying that the verification information and the transaction payment amount in the payment information are correct, executes a payment procedure according to the payment information; and (D) The payment server system returns a payment result related to the payment procedure to the mobile payment device and the seller device. The multi-dimensional barcode mobile payment method as claimed in claim 1, wherein the first payment data is stored in the payment server system or generated by the payment server system according to a payment method provided by the mobile payment device. The multi-dimensional barcode mobile payment method as claimed in claim 2, wherein the payment serves The service system includes a business platform and a payment system, and in step (A), the multi-dimensional barcode is dynamically generated by the business platform, and the first payment data is stored in the business platform or by the business platform according to the The payment method provided by the mobile payment device is generated; when the mobile payment device wants to display the multi-dimensional barcode and connects with the business platform and requests the multi-dimensional barcode, the mobile payment device transmits the transaction payment amount to the business platform, and The business platform generates the multi-dimensional barcode according to the verification information and the first payment information and the transaction payment amount stored therein, or generates the first payment information according to the payment method provided by the mobile payment device, and generates the first payment information according to the first payment method. The payment information and the verification information stored therein and the transaction payment amount generate the multi-dimensional barcode, and transmit the multi-dimensional barcode to the mobile payment device, and in step (C), the business platform receives the payment information and verifies the After the transaction payment amount and the verification information in the payment information are correct, the payment system is made to execute the payment procedure according to the payment information. The multi-dimensional barcode mobile payment method according to claim 2, wherein the payment server system includes a business platform and a payment system, and in step (A), the multi-dimensional barcode is dynamically generated by the payment system, and the first The payment data is stored in the payment system or generated by the payment system according to the payment method provided by the mobile payment device; when the mobile payment device wants to display the multi-dimensional barcode and connects with the payment system and requests the multi-dimensional barcode, The mobile payment device transmits the transaction payment amount to the payment system, and the payment system generates the multi-dimensional barcode according to the verification information and the first payment data and the transaction payment amount stored therein, or according to the mobile payment device. The payment method generates the first payment data and is based on the first payment A payment information and the verification information and the transaction payment amount stored therein generate the multi-dimensional barcode, and transmit the multi-dimensional barcode to the mobile payment device, and in step (C), the business platform receives the payment information and transmits the The payment information is sent to the payment system, and the payment system executes the payment procedure according to the payment information after verifying that the payment amount of the transaction in the payment information and the verification information are correct. The multi-dimensional barcode mobile payment method according to claim 1, in step (B), the seller device scans the multi-dimensional barcode but does not decode the multi-dimensional barcode, and generates the payment information according to the multi-dimensional barcode and the second payment data , and transmit the payment information to the payment server system, and in step (C), the payment server system decodes the multi-dimensional barcode in the payment information to obtain the first payment information, the verification information and the transaction payment amount , and combine the first payment data and the second payment data into a payment instruction, and after verifying that the verification information and the transaction payment amount are correct, execute the payment procedure according to the payment instruction. The multi-dimensional barcode mobile payment method according to claim 1, in step (B), the seller device scans the multi-dimensional barcode and decodes it to obtain the first payment information, the verification information and the transaction payment amount, and according to The first payment data and the second payment data generate a payment instruction, and then generate the payment information according to the payment instruction, the verification information and the transaction payment amount, and transmit the payment information to the payment server system, and in step ( In C), after verifying that the verification information in the payment information and the transaction payment amount are correct, the payment server system executes the payment procedure according to the payment instruction in the payment information. The multi-dimensional barcode mobile payment method according to any one of claims 1 to 6, wherein the first payment data at least includes a buyer's payment account data, and the second payment data at least includes a seller's payment account data. A payment server system capable of communicating with a mobile payment device and a seller device, and comprising: a business platform capable of communicating with the mobile payment device and the seller device through a network; and a payment system capable of communicating with the seller device Business platform communication; wherein when the mobile payment device requests a multi-dimensional barcode from the business platform, the mobile payment device transmits a transaction payment amount to the business platform, the business platform according to a first payment data and a verification stored therein information and the transaction payment amount to generate the multi-dimensional barcode, and transmit the multi-dimensional barcode to the mobile payment device, so that the mobile payment device can display the multi-dimensional barcode for the seller's device to scan the multi-dimensional barcode, and the seller device according to the multi-dimensional barcode and a second payment information to generate a payment information and send it to the business platform, the second payment information is provided by the seller device; the business platform obtains the verification information and the transaction payment amount from the payment information, and verify the After the verification information and the transaction payment amount are correct, the payment information is sent to the payment system, so that the payment system executes a payment procedure according to the payment information and generates a payment result related to the payment procedure, and returns a response through the business platform Send the payment result to the mobile payment device and the seller device; wherein, the first payment data is stored in the business platform or generated by the business platform according to a payment method provided by the mobile payment device When the mobile payment device requests the multi-dimensional barcode, the business platform generates the multi-dimensional barcode according to the verification information and the first payment data and the transaction payment amount stored therein, or according to the payment provided by the mobile payment device The first payment data is generated by the method, and the multi-dimensional barcode is generated according to the first payment data and the verification information stored therein and the transaction payment amount. A payment server system capable of communicating with a mobile payment device and a seller device, and comprising: a business platform capable of communicating with the mobile payment device and the seller device through a network; and a payment system capable of communicating with the mobile payment device and the seller device through a network The mobile payment device communicates with the business platform and the mobile payment device; wherein when the mobile payment device requests a multi-dimensional barcode from the payment system, the mobile payment device transmits a transaction payment amount to the payment system, and the payment system according to a first payment The data and a verification information stored therein and the transaction payment amount generate the multi-dimensional barcode, and transmit the multi-dimensional barcode to the mobile payment device, so that the mobile payment device can display the multi-dimensional barcode for the seller device to scan the multi-dimensional barcode, And the seller device generates a payment information according to the multi-dimensional barcode and a second payment data and transmits it to the business platform, the second payment data is provided by the seller device; the business platform receives the payment information and transmits the payment information to the business platform. the payment system, the payment system obtains the verification information and the transaction payment amount from the payment information, and after verifying that the verification information and the transaction payment amount are correct, executes a payment procedure according to the payment information and generates a payment related to the payment a payment result related to the program, and return the payment result to the mobile payment device and the seller device through the business platform; wherein, the first payment data is stored in the payment system or paid by the payment system according to the action generated by a payment method provided by the device, when the mobile payment device requests the multi-dimensional barcode, the payment system generates the multi-dimensional barcode according to the verification information and the first payment data and the transaction payment amount stored therein, or according to the The payment method provided by the mobile payment device generates the first payment data, and generates the multi-dimensional barcode according to the first payment data, the verification information stored therein and the transaction payment amount.

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