TW201303763A - Method and system for users to purchase applications or value-dded services by mobile devices - Google Patents

Abstract

Disclosed is a method for users to purchase applications or value-added services by mobile devices, wherein the method is performed jointly by a transaction system cooperating with an application provider and a payment server. First, a transaction program that is independently controlled by the transaction system is embedded into an existing application in the mobile device. The transaction program is called during execution of the existing application, allowing the users to input payment data including product information and a set of authentication information. The content of the authentication information includes a phone number. The transaction system records the phone number and the product information, and transmits the same to the payment server to perform authentication. If the authentication is affirmed, a message of affirmed authentication is sent to the mobile device, the payment server is notified to perform a bill charge or payment transfer, and the application provider is notified to provide corresponding product.

Description

Method and system for a user to purchase an application or a value-added service using a mobile device

The present invention relates to a transaction method, and more particularly to a method and system for a user to purchase an application or a value-added service using a mobile device.

With the rise of smart mobile devices, mobile devices are no longer limited to the function of calls, and users are increasingly demanding various applications or value-added services on mobile devices. However, in order to purchase an application or a value-added service in the Apple Store or Android Store, for example, a group of accounts and passwords must be registered in advance in the mobile device, and the registration procedure is quite complicated, not only must the account password be set, but also must be The credit card account is bound, and a complicated registration procedure is set up for the fear of misappropriation. This design not only increases the inconvenience of the user in the transaction, but at the same time, the consumer must be on the same card number each time, and the account number needs to be reset when changing the credit card number. Even with such a complicated design, if the account password is leaked, there is also the problem that the account is stolen, which is inconvenient and risky for the consumer.

At the same time, because of the portability of smart mobile devices, in the case of limited hardware resources, the transaction method applicable to general desktop computers or notebook computers is not suitable, so how to make users do not need to advance In the case where registration is performed in the mobile device, the various applications or value-added services for purchasing the mobile device can be completed.

Accordingly, it is an object of the present invention to provide a method and system for a user to purchase an application or a value-added service using a mobile device, so that the user can safely open the application in an open state without having to register in advance with the mobile device. Purchase an app or a value-added transaction.

Accordingly, the present invention provides a method for a user to purchase an application or a value-added service by using a mobile device, and an application manufacturer and a payment server perform together, and the application manufacturer provides at least one mobile device application or a value added. Service, the payment server has financial or telecommunication certification information, and the method comprises the following steps:

(A) A transaction system is provided which is connected to the application vendor, the payment server, and is connected to a mobile device equipped with a door number.

(B) embedding an existing application of the mobile device into a transaction program independently controlled by the transaction system; the transaction program can be called and called when the existing application is executed by the mobile device A payment interface for the user to input the payment information is provided, the payment information includes a product information and a set of certification information, the product information includes an application to be purchased or a value-added service, and the group of certification information content includes at least the action The corresponding door number of the device. The group of certification information content also includes part or all of the identity card number, and the payment server end authenticates the part or all of the identity card number and the door number.

(C) The transaction program receives the payment data and transmits the payment data to the transaction system.

(D) The transaction system records the phone number and the product information, and transmits the payment data to the payment server for authentication.

(E) receiving the authentication result returned by the payment server, and performing the step (F) if the authentication is passed. Preferably, the transaction system establishes a data exchange pipeline with the payment server in advance, and the step (E) if the authentication is performed by the step (E-1), the transaction system generates a group corresponding to one transaction, and is only for the The one-time password used in the transaction is transmitted to the mobile device, (E-2), and the transaction program provides a one-time password input field in the payment interface for the user to input the one-time entry in the payment interface. The password, and then the transaction system performs step (E-3) to receive the input from the transaction program and compares the one-time password to step (F) if the comparison is successful. More preferably, the step (E-1) is transmitted by direct transmission through the existing application, via a short message gateway to notify the short message type, or providing a dedicated line for the user to dial using the mobile device. And by voice notification.

(F) issuing a message of successful authentication to the mobile device, and notifying the payment server to debit or pay, and notifying the application vendor to provide the corresponding product.

The foregoing step (D) further includes determining whether the combination of the phone number and the product information has a record, and if not, executing the record and transmitting; if yes, directly notifying the application manufacturer to provide the corresponding item. In this case, the user can change the mobile device without changing the application number.

Preferably, the step (F) further provides an agreement password in addition to the message that the mobile device is successfully authenticated; the step (D) further comprises determining whether the combination of the phone number and the product information has a record, if Otherwise, the record and the transfer are executed; if so, the transaction program is provided with the field for entering the agreed password, and after the received agreed password is correctly matched, the application manufacturer is directly notified to provide the corresponding product. In this way, under the premise that the service developer (application vendor) agrees to authorize, the user must log in with the phone number and the agreed password on other devices to download the previously purchased application without repeating the purchase. .

The present invention provides a transaction system for a user to purchase an application or a value-added service by using a mobile device, and an application manufacturer side performs a transaction together with a payment server, and the application manufacturer provides at least one mobile device application or a value added. The service server has financial or telecommunication certification information; the transaction system includes a communication module, a memory unit and a processor.

The transaction system is connected to the application vendor and the payment server through the communication module, and is connected to a mobile device equipped with a door number.

The memory unit stores a transaction program for the mobile device to download and install an existing application embedded in the mobile device, the transaction program is independently controlled by the transaction system, and the existing application program is executed by the mobile device After being called, the call is provided with a payment interface for the user to input the payment data, the payment information includes a product information and a set of authentication information, and the product information includes the application to be purchased or the value-added service, The group authentication information content includes at least a door number corresponding to the mobile device; the transaction program receives the payment data and transmits the payment data to the transaction system.

The processor is connected to the communication module and the memory unit, so that the phone number and the product information in the payment data are recorded in the memory unit, and the payment data is transmitted to the payment server for authentication; and the payment server is received. If the authentication result is returned, if the authentication is successful, the mobile device sends a message of successful authentication, and notifies the payment server to debit or pay, and notifies the application manufacturer to provide the corresponding product.

The transaction system pre-establishes a data exchange pipeline with the payment server, and the processor further generates a set of one-time passwords corresponding to one transaction and used only for the transaction after being authenticated by the payment data, and The mobile device provides a one-time password input field in the payment interface for the user to input the one-time password in the payment interface, and then the processor receives the transaction code through the communication module. The input content is compared with the one-time password, and if the comparison is successful, the mobile device sends a message that the authentication succeeds.

Preferably, the processor transmits the one-time password in a direct transmission manner through the existing application display, through a short message gateway to notify the short message type, or provides a dedicated line for the user to dial through the mobile device. And by voice notification.

Preferably, the set of authentication information content further includes part or all of the identity card number, and the payment server end authenticates the part or all of the identity card number and the door number.

Preferably, when receiving the payment data, the processor further determines whether the combination of the phone number and the product information has a record, and if not, performs the record and the transmission; if yes, directly notifies the application manufacturer to provide the corresponding commodity. Alternatively, the processor further provides an agreement password in addition to the message that the mobile device is successfully authenticated; and when the processor receives the payment data, the processor further determines whether the combination of the phone number and the product information already exists. Otherwise, the record and the transfer are executed; if so, the transaction program is provided with the field for entering the agreed password, and after the received agreed password is correctly matched, the application manufacturer is directly notified to provide the corresponding product. The effect of the invention is to use the telephone number plus the identity card number as the account management, as long as the same person uses the same door number, even if the mobile device is changed or the AP is accidentally removed, the AP on the mobile device does not need to be re-purchased; By using the phone number as an account number, you can avoid the problem of complicated registration, and you can pay a small amount through the phone number, which is convenient and safe.

The above and other technical contents, features and advantages of the present invention will be apparent from the following detailed description of the preferred embodiments.

Referring to FIG. 1 and FIG. 2, a preferred embodiment of the method for a user to purchase an application or a value-added service by using a mobile device is to use a transaction system 2 with an application (hereinafter referred to as AP) vendor 3 and a payment. The server 4 is jointly executed, and the AP vendor 3 provides at least one mobile device application or value-added service, and the payment server 4 has financial or telecommunication authentication information. The transaction system 2 pre-establishes a data exchange pipeline with the payment server 4.

The transaction system 2 includes a communication module 22, a memory unit 23, and a processor 21 connected to the communication module 22 and the memory unit 23.

The transaction system 2 is connected to the AP manufacturer terminal 3 and the payment server terminal 4 via the communication module 22, and is connected to a mobile device 1 equipped with a door number.

The memory unit 23 stores a transaction program 12, which is provided to the mobile device 1 to download and install an existing AP 11 embedded in the mobile device 1. The existing AP 11 in this embodiment refers to a browser or a game, a play program, an e-book, and the like.

The transaction program 12 is independently controlled by the transaction system 2, can be clicked during the execution of the existing AP 11, and is provided with a payment interface for the user to input the payment data after being called.

In step S11, the user inputs the payment data through the input unit (not shown) of the mobile device 1 in the payment interface, the payment information includes a product information and a set of authentication information, and the product information includes the AP or the added information to be purchased. Value service. When the existing AP 11 is a browser, the product information is an AP that the user wants to purchase; when the existing AP 11 is, for example, a game, a play program, an e-book, or the like, the product information is a value-added service corresponding to the AP. The group of certification information content includes the door number corresponding to the mobile device and some or all of the identity cards. The transaction program 12 receives the payment data and transmits the payment data to the transaction system 2.

In step S12, the processor 21 of the transaction system 2 determines whether the combination of the phone number and the product information in the payment data has a record. If so, it indicates that the door number user has bought the AP or the value-added service, and then executes Step S22 (described later); if not, indicating that the user of the door number purchases the AP or the value-added service for the first time, step S13 is performed.

In step S13, the processor 21 records the phone number and the product information in the payment data in the memory unit 23, and transmits the payment data to the payment server 4 for authentication.

In step S14, the payment server 4 authenticates the payment data according to its financial or telecommunication authentication information, and returns the result.

In step S15, the processor 21 of the transaction system 2 receives the authentication result returned by the payment server, and determines whether the authentication is passed. If the authentication is passed, the process proceeds to step S16, and if the authentication fails, the process ends.

In step S16, the processor 21 generates a set of one-time passwords (hereinafter referred to as OTP) generated corresponding to one transaction and used only for the transaction, and transmits the same to the mobile device 1, and the transmission mode is directly transmitted through the transmission. The existing AP displays, informs via SMS gateways in a short message type, or provides a dedicated line for the user to dial by voice using the mobile device.

In step S17, the transaction program 12 provides an OTP input field in the payment interface for the user to input the OTP in the payment interface; when the user inputs the OTP, then proceeds to step S18.

In step S18, the processor 21 receives the input content of the transaction program 12 through the communication module 22 and compares the OTP of the input with the OTP generated in step S16. If yes, the successful authentication message is sent to the mobile device. And providing an agreement password (step S19), and notifying the payment server 4 to debit or pay (step S20), notifying the AP vendor 3 to provide the corresponding item. If the OTP is inconsistent, it ends.

When the foregoing step S12 determines that the phone number and the product information combination already exist, step S22 is executed to enable the transaction program 12 to provide a field for inputting the agreed password. When the user inputs the agreed password, the transaction program 12 is transmitted to the transaction system 2. .

In step S23, the processor 21 of the transaction system 2 compares the received agreed password with the agreed password provided in step 19. If it is correct, records the agreed number of password input times, and directly informs the application manufacturer to provide a corresponding correspondence. The product, the user does not need to pay again for the AP or value-added service that he has purchased; if it is wrong, it ends. The foregoing record stipulates that the number of password input attempts is that, in general, AP vendor 3 still wants to control a specific number of terminals to use the AP; for example, for Apple, a payment program can be used on five machines, and KKbox is available. Used on three machines.

After the transaction is completed, the user can also register by the registration mechanism, and use E-mail as the account to use the credit card to make payment. In the future, you can use the E-mail account to log in. If the user changes the number, he can still Use the E-mail account to use the original AP or value-added service.

Under the mechanism of the present invention, as long as the user holds the original door number, there is no possibility of fraudulent consumption; if the user's door number, identity card number and agreed password are simultaneously leaked, only the AP usage right loss is purchased; If the mobile device is lost, there will be no additional loss as long as the door number is suspended.

In summary, the present invention provides a method for the user to purchase an application or a value-added service by using a mobile device, and a transaction system 2, which uses the telephone number plus the identity card number as an account to manage, as long as the same person uses the same door number, it is changed. The mobile device or the AP is accidentally removed, and the AP on the mobile device does not need to be re-purchased; in addition, the user is allowed to use the telephone number as an account to avoid the problem of complicated registration, and the small amount can be paid through the telephone number, which is convenient and safe. On the other hand, the mechanism provided by the present invention, in addition to allowing the user to exempt the complicated registration mechanism, can also provide another option for the AP vendor 3 to increase the profit, so that the object of the present invention can be achieved.

The above is only the preferred embodiment of the present invention, and the scope of the invention is not limited thereto, that is, the simple equivalent changes and modifications made by the scope of the invention and the description of the invention are All remain within the scope of the invention patent.

1. . . Mobile device

11. . . Existing AP

12. . . Transaction program

2. . . Trading System

twenty one. . . processor

twenty two. . . Communication module

twenty three. . . Memory unit

3. . . AP vendor side

4. . . Paid server

S11~S23. . . step

1 is a block diagram illustrating a preferred embodiment of a transaction system for a user to purchase an application or value-added service using a mobile device; and

2 is a flow chart illustrating a preferred embodiment of a method for a user to purchase an application or value-added service using a mobile device.

S11~S23. . . step

Claims (12)

A method for a user to purchase an application or a value-added service by using a mobile device, the method is implemented in conjunction with an application vendor and a payment server, the application vendor providing at least one mobile device application or a value-added service The payment server has financial or telecommunication certification information, and the method comprises the following steps: (A) providing a transaction system, the system is connected with the application vendor, the payment server, and for the action with a gate number (B) embedding an existing application of the mobile device into a transaction program independently controlled by the transaction system; the transaction program can be called when the existing application is executed by the mobile device And after being called, providing a payment interface for the user to input the payment information, the payment information includes a product information and a set of certification information, the product information includes an application to be purchased or a value-added service, the group of certification information content Include at least a door number corresponding to the mobile device; (C) the transaction program receives the payment data and transmits the payment data to the transaction (D) the transaction system records the phone number and the product information, and transmits the payment data to the payment server for authentication; (E) receives the authentication result returned by the payment server, if the authentication is performed Step (F); and (F) issuing a message of successful authentication to the mobile device, and notifying the payment server to debit or pay, and notifying the application manufacturer to provide the corresponding product. According to the method of claim 1, the method for the user to purchase an application or a value-added service by using the mobile device, wherein the transaction system establishes a data exchange pipeline with the payment server in advance, and the step (E) is authenticated. The step (E-1) transaction system is also executed to generate a set of one-time passwords corresponding to one transaction and used only for the transaction, and transmitted to the mobile device, (E-2) while the transaction program is paying Providing a one-time password input field in the interface for the user to input the one-time password in the payment interface, and then the transaction system performs the step (E-3) to receive the input content of the transaction program and compare One-time password, if the comparison is successful, proceed to step (F). A method for a user to purchase an application or a value-added service by using a mobile device according to the second aspect of the patent application, wherein the step (E-1) is transmitted by direct transmission and displayed by the existing application. The short message gateway is used to notify by SMS, or a dedicated line is provided for the user to make a voice notification by using the mobile device. The method for purchasing an application or a value-added service by a user using a mobile device according to the first aspect of the patent application, wherein the group of authentication information content further includes part or all of an identity card number, and the payment server is for the part Or all identity cards and door numbers are certified together. A method for a user to purchase an application or a value-added service by using a mobile device according to any one of claims 1 to 4, wherein the step (D) further comprises determining a combination of the telephone number and the product information. Whether the record already exists, if not, the record and the transfer are executed; if so, the application manufacturer is directly notified to provide the corresponding product. A method for a user to purchase an application or a value-added service by using a mobile device according to any one of claims 1 to 4, wherein the step (F) is to send a message of successful authentication to the mobile device. In addition, an agreement password is also provided; the step (D) further comprises determining whether the combination of the phone number and the product information has a record, and if not, executing the record and transmitting; if so, causing the transaction program to provide a column for entering the agreed password. After the received agreement password is correct, the application manufacturer is directly notified to provide the corresponding product. A transaction system for a user to purchase an application or a value-added service by using a mobile device, and an application vendor to perform a transaction together with a payment server, the application vendor providing at least one mobile device application or a value-added service The payment server has financial or telecommunication certification information; the transaction system includes: a communication module, and the transaction system is connected to the application manufacturer terminal and the payment server through the communication module, and is provided with a gate number a mobile device, storing a transaction program, providing an active application to the mobile device for downloading and installing the mobile device, the transaction program being independently controlled by the transaction system, and the existing application can be used in the mobile device The program is selected by the mobile device during the execution of the mobile device, and after being called, provides a payment interface for the user to input the payment data, the payment information includes a product information and a set of certification information, and the product information includes the desired purchase information. An application or a value-added service, the group of authentication information content including at least a door number corresponding to the mobile device; The transaction program receives the payment data and transmits the payment data to the transaction system; and a processor is connected to the communication module and the memory unit to record the phone number and the product information in the payment data in the memory unit And transmitting the payment data to the payment server for authentication; receiving the authentication result returned by the payment server, and if the authentication is passed, sending a message of successful authentication to the mobile device, and notifying the payment server to debit or Pay, notify the application vendor to provide the corresponding product. a transaction system for a user to purchase an application or a value-added service by using a mobile device according to claim 7 of the patent application scope, wherein the transaction system establishes a data exchange pipeline with the payment server in advance, and the processor is in payment After the data is authenticated, a set of one-time passwords corresponding to one transaction and used only for the transaction is generated and transmitted to the mobile device, and the transaction program provides a one-time password input field in the payment interface. And the user inputs the one-time password in the payment interface, and then the processor receives the input content sent by the transaction program through the communication module, and compares the one-time password to the mobile device if the comparison is successful. Send a message that the authentication was successful. A transaction system for a user to purchase an application or a value-added service by using a mobile device as described in claim 8 wherein the method for transmitting the one-time password is directly transmitted by the processor and displayed by the existing application. Send a text message through the SMS gateway or provide a dedicated line for the user to use the mobile device to make a voice announcement. a transaction system for a user to purchase an application or a value-added service by using a mobile device according to claim 7 of the scope of the patent application, wherein the group of certification information content further includes part or all of the identity card number, and the payment server is for the Some or all of the ID numbers and door numbers are certified together. A transaction system for a user to purchase an application or a value-added service by using a mobile device according to any one of claims 7 to 10, wherein the processor further determines the telephone when receiving the payment data. Whether the combination of number and product information already exists, if not, the record and transmission are executed; if so, the application manufacturer is directly notified to provide the corresponding product. A method for a user to purchase an application or a value-added service by using a mobile device according to any one of claims 7 to 10, wherein the processor sends a message of successful authentication to the mobile device, An agreement password is also provided; when the processor receives the payment data, it also determines whether the combination of the phone number and the product information has a record, and if not, executes the record and transmits; if so, the transaction program provides the input agreement password. The field, after receiving the agreed password is correct, directly inform the application vendor to provide the corresponding product.