TWI791149B - Positioning mobile payment method and system - Google Patents

Abstract

A positioning mobile payment method, comprising: sending a identification data to a server assembly through a cash register host by a data receiving assembly, sending a transaction information to the server assembly by the cash register host, performing a identification program on a mobile device in the communication range of a plurality of wireless transceivers and paring the mobile device by the server assembly after the server assembly receives the identification data and the transaction information, performing a platform self-selection by the server assembly after the server assembly performs the identification program and pairs the mobile device, and sending a checkout list to the paired mobile device according to the transaction information and the result of the platform self-selection by the server assembly.

Description

Location mobile payment method and system

The present invention relates to a mobile payment method and system, in particular to a location mobile payment method and system for payment according to location status.

The emergence of mobile payment has changed people's payment habits to a certain extent. In the past, when paying for mass consumption, the payment media usually used were either physical currencies such as banknotes and coins, electronic tickets such as one-cards or Easy Cards, or card currencies such as debit cards or credit cards. Now, if you choose the mobile payment method to pay, all payments can be completed on the mobile device. You don't need to carry too much change on your body, and you don't need to pick up a wallet and choose a card from it. It has the function of keeping accounts by downloading consumption records. Mobile payment is usually completed when the mobile device is close to the data reading device of the merchant, and the data transmission method between the mobile device and the data reading device can be scanned by Near Field Communication (NFC) or QR code (Quick Response Code) Wait for it to come true.

However, due to the current mobile payment, virtual electronic ticket, third-party payment, electronic payment and other platforms, if the user has multiple platforms at the same time, it is necessary to open and operate the special program of the platform after selecting the payment platform to continue the transaction. trade. Some of the payment information transmission methods, such as NFC, require the mobile device to be placed close to the store's data reading device. If the user holds other items on his body at the same time, it will make the transaction process inconvenient. What's more, if there are too many consumers who want to checkout at the same time, it often takes time to queue up to checkout, which cannot make good use of time. The entire operation process from the selected platform to the end of the transaction is too complicated, so a mobile payment method that can make the transaction process more automated is needed.

In view of the above, the present invention provides a location-based mobile payment method and system to meet the above requirements.

The location-based mobile payment method according to an embodiment of the present invention is suitable for a location-based mobile payment system. The location-based mobile payment system includes a cash register host, a data receiving component, multiple wireless transceivers, and a server component. The cash register host computer The data receiving unit is electrically connected to the server unit, and the server unit is electrically connected to the cash register host and the wireless transceivers, wherein the positioning mobile payment method includes: using the data receiving unit to send an identification data to the server unit through the cash register host ; Send a transaction information to the server component by the cash register host; After receiving the transaction information and the identification data by the server component, use the server component to perform an action within the communication range of multiple wireless transceivers The device executes an identity recognition program and is paired; and after the server component executes the identity recognition program and is paired, the server component executes a self-selected platform program, and sends a result according to the transaction information and the result of the self-selected platform program account list to the paired mobile device.

The positioning mobile payment system according to an embodiment of the present invention includes: a data receiving component for outputting identification data; a cash register host electrically connected to the data receiving component, and the cash register host receives and outputs the identification data and outputs a Transaction information; a plurality of wireless transceivers, communicating with a mobile device, and these wireless transceivers output a plurality of signal strength information associated with a mobile device; and a server component, electrically connecting the cash register host and the wireless transceivers device, the server component identifies the mobile device with the wireless transceivers, wherein after the server component receives the transaction information and the identification data, it executes an identification procedure and pairing with the mobile device, and then executes a self-selected platform program, and finally send a checkout list to the paired mobile device according to the transaction information and the result of the self-selected platform program.

According to the location-based mobile payment method and system of the above-mentioned embodiments, the identity identification data is first received through the data receiving component during the entire transaction process, but the server component starts the subsequent transaction behavior after receiving the transaction information from the cash register host, and the mobile device Carry out the identification procedure, and after successfully pairing the mobile device for this transaction, generate a checkout list based on the transaction information and the self-selected platform program. The present invention can not only automatically select the payment platform according to the transaction situation, but also because the identification data is received first in the transaction process, it can be regarded as the identification data instead of the consumer queuing. The whole process can complete the transaction without requiring consumers to perform too many operations on the mobile device, which makes the transaction process more convenient and fast, and thus achieves the goal of more automated transaction process.

The above description of the disclosure and the following description of the implementation are used to demonstrate and explain the spirit and principle of the present invention, and provide a further explanation of the patent application scope of the present invention.

The detailed features and advantages of the present invention are described in detail below in the implementation mode, and its content is enough to make any person familiar with the related art understand the technical content of the present invention and implement it accordingly, and according to the content disclosed in this specification, the scope of the patent application and the drawings , anyone skilled in the art can easily understand the purpose and advantages of the present invention. The following examples are to further describe the concept of the present invention in detail, but not to limit the scope of the present invention in any way.

Please refer to Figure 1. FIG. 1 is a block diagram of a location-based mobile payment system according to an embodiment of the present invention. The location-based mobile payment system 100 of the present invention is used for performing payment transactions according to the location and information of the mobile device 300 . The location-based mobile payment system 100 includes a data receiving component 101, a cash register host 102, a plurality of wireless transceivers 103, and a server component 104, wherein the server component 104 may include a transaction server and a connection server. The data receiving component 101 is electrically connected to the cash register host 102 , the wireless transceiver 103 is used for communicating with the mobile device 300 , and the server component 104 is electrically connected to the cash register host 102 and the wireless transceiver 103 . In one embodiment, the location-based mobile payment system 100 includes three wireless transceivers 103 , as shown in FIG. 1 .

The data receiving component 101 is used for receiving identification data and sending the identification data to the cash register host 102 . When the consumer intends to check out and place the product on the checkout counter, he can input identification data to the data receiving component 101 . The identification data is used to identify the mobile device 300, so as to confirm which mobile device is the target of the current transaction-related information transmission. The identification data can be the information of the mobile device 300 itself, such as mobile phone number, IMEI code (International Mobile Equipment Identity number), etc., and can also be the biological characteristics of the consumer holding the mobile device 300, such as the real-time photo taken by the consumer Portraits, consumer fingerprints, consumer voiceprints, etc., the present invention is not limited thereto. The data receiving component 101 must be a receiving component that matches the type of identification data. For example, if the identification data can be obtained simply by inputting a character string, the data receiving component 101 must have a string input component, and may also have a display component to display The character string input by the consumer just now is for the consumer to confirm; if the identification data is biometric data, such as the portrait of the consumer, the data receiving component 101 needs to have a camera to obtain the portrait of the consumer in front of the cabinet; if the identification data If the identification data is the consumer's fingerprint, the data receiving component 101 needs to have a fingerprint scanner; if the identification data is the consumer's voiceprint, then the data receiving component 101 needs to have a sound receiving device. The above-mentioned embodiments are not intended to limit the present invention, and the data receiving component 101 can also have the above-mentioned components at the same time for consumers to choose the type of identification data they want to provide.

The cash register host 102 is used for receiving identification data, and sending the identification data and transaction information to the server component 104 . The cash register host 102 can be the front-end hardware device of the point of sale information system (Point of Sale/Service, POS). In one embodiment of the present invention, there is a barcode scanner for inputting the barcode of the commodity for the background to read the items of the commodity according to the barcode. information and recorded in this transaction. The transaction information is generated based on information such as items purchased by consumers, unit price, and total amount during the real-time transaction process. The cash register host 102 has a storage unit for storing the identification data received from the data receiving component 101 . The cash register host 102 sends the transaction information and the identification data to the server component 104 after the transaction information is generated.

The wireless transceiver 103 is used for transmitting a plurality of signal strength information related to the mobile device 300 to the server component 104 . In one embodiment of the present invention, the wireless transceiver 103 can be a wireless base station of a merchant. When the mobile device 300 enters the communication range of these wireless transceivers 103 and connects to the merchant network, these wireless transceivers 103 will obtain a plurality of signal strength information associated with the mobile device 300, and send them to the server in real time or at regular intervals Component 104. Since each wireless transceiver is installed in a different location, and the received signal strength will vary depending on the distance, the signal strength information received by different wireless transceivers 103 for the same mobile device will also be different . As long as the mobile device 300 remains within the communication range of the wireless transceivers 13 , the wireless transceivers 103 will continuously obtain a plurality of signal strength information and send them to the server component 104 continuously.

The server component 104 is used to receive transaction information and identification data, receive a plurality of signal strength information, and identify the mobile device 300 according to the signal strength information, wherein when the server component 104 receives the transaction information and the identification data, The mobile device 300 executes an identification procedure to obtain a paired mobile device, then executes a self-selected platform program, and finally sends a checkout list to the paired mobile device. The location-based mobile payment system 100 preferably includes three wireless transceivers, and the more wireless transceivers 103 there are, the more accurate the location can be. Since each signal strength information has strength information of a specific mobile device associated with a specific wireless transceiver, the server component 104 can identify the location of the mobile device according to the signal strength information. The identification procedure, the self-selected platform procedure and the checkout list will be described in detail in the subsequent steps.

The preset area 200 can be a small area in front of the checkout counter, depending on the needs of the merchant. The purpose of the preset area 200 is to reduce the scanning range of the server component 104 to reduce the computing load of the server component 104 . The size of the preset area 200 is not particularly limited, and its range is determined by connecting to the business network with an electronic device with wireless communication function in advance, and staying around the area that needs to be designated as the default area 200 by the electronic device And recording the signal strength information at this time, the signal strength information of each position in the preset area 200 can be identified by the three-point positioning method. In the case of having the default area 200, when the server component 104 receives the identification data through the cash register host 102, the server component 104 uses the signal strength information transmitted from the wireless transceiver 103 to determine the current location in the three-point positioning method. The mobile device 300 in the preset area 200 is paired with the identification data. After the server component 104 receives the transaction information, it can confirm that the mobile device 300 can execute the identification procedure through the above-mentioned pairing relationship. However, in another embodiment of the present invention, the default area 200 may not be included. At this time, after the server component 104 receives the transaction information and the identification data, it broadcasts the identification information to the mobile devices 300 within the communication range. identification procedure.

In one embodiment of the present invention, the mobile device 300 is usually a portable electronic device with a wireless networking function such as a mobile phone and a tablet on the consumer's body, which is used to communicate with the wireless transceiver 103 so as to communicate with the positioning mobile payment system 100 interactive. Please refer to FIG. 2 for a detailed description of internal components of the mobile device 300 . The mobile device 300 includes a processing unit 301, a storage unit 302, a wireless communication component 303, and a display component 304. The processing unit 301 is electrically connected to the storage unit 302, the wireless communication component 303, and the display component 304, wherein the wireless communication component 303 is used for receiving and The wireless signal from the wireless transceiver 103 is transmitted, the storage unit 302 is used to store user information and a priority sequence, and the display unit 304 is used to display a checkout list. The user data is the same type of data as the identification data received by the information receiving component 101 . This prioritization is detailed in the next steps.

Please refer to Figure 3. FIG. 3 illustrates a method flow diagram of an embodiment of the invention. Please refer to step S1 , the data receiving component 101 receives the identification data and sends the identification data to the server component 104 through the cash register host 102 . When the consumer selects the product to be purchased this time and wants to checkout, the consumer places the product on the checkout counter and inputs identification data to the data receiving component 101, the identification data is sent to the server component 104 through the cash register host 102 and Stored here. If there are multiple consumers checking out, in practice, in order to avoid confusion, the identification data can be received by the data receiving component 101 before opening and placing each pile of commodities on the checkout counter in sequence. The identification data input by the consumers through the data receiving component 101 are sequentially transmitted to the server component 104 .

However, if there is a preset area 200 in an embodiment of the present invention, please refer to step S101. When the server component 104 receives the identification data, the server component 104 uses the signal strength information transmitted from the wireless transceiver 103 to judge the mobile device 300 currently located in the preset area 200 by the three-point positioning method, and takes this action The device 300 is paired with the identification data, and then proceeds to step S2. However, if there is no preset area 200 in an embodiment of the present invention, step S101 is not required, and the process proceeds directly to step S2.

Please refer to step S2 , the cash register host 102 sends transaction information to the server component 104 . After the cash register host computer 102 scans the barcode of the commodity with a barcode scanner and assembles the pile of commodities into one transaction information and sends it to the server component 104, the server component 104 will sequentially match the transaction information and the identification data to confirm the transaction information. The stacked products are purchased by consumers who provide this identification information. Up to this point, the cash register host 102 can continue to scan the barcodes of the next pile of commodities without waiting for the previous transaction to complete the subsequent payment.

Please refer to step S3 , the server component 104 executes the identification procedure on the mobile device 300 . After receiving the above transaction information and identification data, the server component 104 performs an identity identification process on the mobile device 300 connected to the merchant network. The server component 104 can simultaneously execute multiple identity recognition programs associated with different transactions on different mobile devices in a broadcast manner under the permission of the computing power. In an embodiment of the present invention, if the default area 200 is included, the identification procedure is executed on the mobile device 300 identified by the server component 104 in step S101 . Please refer to FIG. 4 further for the flow of the identification procedure.

Please refer to step S31 in FIG. 4 , the server component 104 sends an access command to the mobile device 300 . In one embodiment of the present invention, if the default area 200 is not included, the server component 104 transmits the access command to the mobile devices 300 within the communication range of the wireless transceiver 103 in a broadcast manner. If there are multiple mobile devices within the communication range, the server component 104 sends the access command to all these mobile devices. However, in one embodiment of the present invention, if the default area 200 is included, the access command is sent to the mobile device 300 paired with the identification data in step S101. In detail, the access command is received by the wireless communication component 303 of the mobile device 300 and sent to the processing unit 301 . The access command is associated with the type of identification data received by the data receiving component 101 , and its purpose is to request data of the same type as the identification data and return the data to the server component 104 .

Please refer to step S32 , the mobile device 300 transmits the user data in the storage unit 302 to the server component 104 . After receiving the access command, the processing unit 301 reads user data of the same type as the identification data from the storage unit 302 , and transmits the user data to the server component 104 through the wireless communication component 303 .

Please refer to step S33 , the server component 104 compares the matching degree according to the identification data and the user data, and finds out the user data whose matching degree is higher than a threshold and is the highest matching degree. After receiving the user data, the server component 104 performs a matching degree comparison between the user data and the identification data associated with the transaction information. Note that this matching degree comparison is usually the degree of coincidence of comparing two biometric data when the identification data and the user data are both biometric data. If the identification data and the user data are both simple strings, then Directly compare whether the two strings are completely consistent.

Please refer to step S34 to pair the mobile device 300 containing the user data. After the server component 104 compares the user data whose matching degree is higher than the threshold and the matching degree is the highest, it uses the mobile device 300 containing the user data as the target of this transaction. The object for the checkout list.

Please return to FIG. 3 and refer to step S4, the server component 104 generates a checkout list according to the transaction information and the self-selected platform program. The checkout list is used to enable consumers to confirm the items consumed, the payment, the payment platform used for this payment, etc. The checkout list has various information about this transaction, including information such as the purchased item, unit price, and total amount provided by the transaction information, as well as the payment platform used for this transaction selected by the self-selecting platform program. Please refer to FIG. 5 for a detailed description of the optional platform program.

Please refer to step S41 of FIG. 5 , the server component 104 sends an access command to the paired mobile device 300 . This access command is different from the access command in the identification program. In the optional platform program, the access command is used to request a priority sequence and send the priority sequence back to the server component 104 . The priority sequence stores information on multiple transaction platforms associated with multiple payment platforms, wherein these transaction platforms are all used by consumers and have corresponding platform applications stored in the storage unit 302 of the mobile device 300, and these transaction platforms are all used by consumers. Trading platform information can be sorted by default or according to consumer preferences. After the server component 104 pairs the mobile device 300 through the identification procedure, it sends the access command to the paired mobile device 300 .

Please refer to step S42 , the paired mobile device 300 sends a priority sequence of the storage unit 302 to the server component 104 . After the paired mobile device 300 receives the access command, the processing unit 301 reads the priority sequence from the storage unit 302 and sends the priority sequence to the server component 104 .

Please refer to step S43, the server component 104 compares whether the payment platform information is included in the merchant platform list according to the order of the payment platform information in the priority sequence. The server component 104 additionally has a merchant platform list, and the merchant platform list stores multiple payment platform information of multiple payment platforms used by the merchant. When the server component 104 receives the priority sequence sent from the paired mobile device 300, it immediately reads the priority sequence, and compares the payment platform information with the highest priority with the list of merchant platforms. If the payment platform information in the priority sequence of the current comparison is not included in the merchant platform list, which means that the payment platform information is not in the merchant platform list, then the payment platform information with the second highest priority will be used for comparison; if the current If the compared payment platforms in the priority sequence are included in the list of merchant platforms, the comparison is completed, and the process proceeds to step S44.

Please refer to step S44, the payment platform used in this transaction is the same payment platform included in the merchant platform list and ranked first in the priority sequence. Continuing with step S43, if the payment platform in the priority sequence currently compared is included in the merchant platform list, the comparison is completed, and the payment platform of this payment platform information is used for this transaction payment.

Please return to FIG. 3 , please refer to step S5 , and send the checkout list to the paired mobile device 300 . The server component 104 selects the payment platform used in this transaction after going through the above self-selecting platform procedure, uses the payment platform and transaction information to generate a checkout list, and sends the checkout list to the paired mobile device 300 . For a schematic diagram of the checkout list displayed on the display unit 304 of the paired mobile device 300 , please refer to FIG. 6 . After the checkout list is confirmed for transaction, the paired mobile device 300 will carry out the payment procedure of the known payment platform to complete the transaction, which will not be repeated here.

In one embodiment of the present invention, the execution of the steps associated with the mobile device 300 may also be implemented through an additional merchant-specific application program installed in the storage unit 302 in another embodiment. The purpose of installing the application program is to send a notification to the mobile device 300 that the position of the mobile device 300 is in or leaves the preset area 200; integrate the data required by each program in an embodiment of the present invention, such as storing each program in the application program in advance. Types of user information and priority sequence; and facilitate the acquisition of access rights of the location-based mobile payment system 100 to each component of the mobile device 300 . The other steps of this other embodiment are the same as those of the first embodiment of the present invention, so this description will not repeat them here.

To sum up, in the location-based mobile payment method and system described above, the identity identification data is first received through the data receiving component during the entire transaction process, but the server component starts the subsequent transaction behavior after receiving the transaction information from the cash register host. The device undergoes an identification process, and after successfully matching the mobile device for this transaction, a checkout list is generated based on the transaction information and the self-selected platform program. The present invention can not only automatically select the payment platform according to the transaction situation, but also because the identification data is received first in the transaction process, it can be regarded as the identification data instead of the consumer queuing. The whole process can complete the transaction without requiring consumers to perform too many operations on the mobile device, which makes the transaction process more convenient and fast, and thus achieves the goal of more automated transaction process.

Although the present invention is disclosed by the aforementioned embodiments, they are not intended to limit the present invention. Without departing from the spirit and scope of the present invention, all changes and modifications are within the scope of patent protection of the present invention. For the scope of protection defined by the present invention, please refer to the appended scope of patent application.

1: Positioning payment transaction system 101: Data receiving component 102: cash register host 103: wireless transceiver 104:Server components 200: preset area 300:Mobile device 301: processing unit 302: storage unit 303: Wireless communication components 304: Display components

FIG. 1 is a block diagram of a location-based mobile payment system according to an embodiment of the present invention. FIG. 2 is a system block diagram of a mobile device according to an embodiment of the present invention. FIG. 3 is a flow chart of a payment method for location-based actions according to an embodiment of the present invention. FIG. 4 is a flowchart of an identity recognition program according to an embodiment of the present invention. FIG. 5 is a flow chart of a self-selecting platform program according to an embodiment of the present invention. FIG. 6 is a schematic diagram showing a checkout list displayed on a mobile device in a location-based mobile payment method according to an embodiment of the present invention.

100: Positioning mobile payment system

101: Data receiving component

102: cash register host

103: wireless transceiver

104:Server components

200: preset area

300:Mobile device

Claims (8)

A location-based mobile payment method, suitable for a location-based mobile payment system, the location-based mobile payment system includes a cash register host, a data receiving component, multiple wireless transceivers and a server component, the cash register host is electrically connected to the data receiving component , the server component is electrically connected to the cash register host and the wireless transceivers, wherein the positioning mobile payment method includes: using the data receiving component to send an identification data to the server component through the cash register host; using the cash register host to send a transaction information to the server component; after the server component receives the transaction information and the identification data, the server component sends a mobile device within the communication range of a plurality of wireless transceivers to the wireless The transceiver obtains and transmits a plurality of signal strength information associated with the mobile device to the server component, and the server component identifies the mobile device based on the signal strength information, and executes an identification procedure and performs pairing; and After the server component executes the identification program and is paired, executes a self-selected platform program with the server component, and sends a checkout list to the paired mobile device according to the transaction information and the result of the self-selected platform program; The identification procedure includes: using the server component to send an access command to the mobile device; After the mobile device receives the access command, the mobile device transmits a user data stored in the memory of the mobile device to the server component, wherein the user data and the identification data are of the same type; performing a matching degree comparison with the server component based on the identification data and the user data; and after performing the matching degree comparison with the server component, the matching degree is higher than a threshold and The mobile device with the highest matching user profile. The location-based mobile payment method as described in claim 1, wherein when using the data receiving component to transmit the identification data to the server component through the cash register host, the location-based mobile payment method further includes: using the server component through the wireless The transceiver performs three-point positioning to determine the mobile device within a preset area. The location-based mobile payment method as described in claim 1, wherein the server component executes the identification procedure on the mobile devices within the communication range of the wireless transceivers in a broadcast manner. The location-based mobile payment method as described in claim 1, wherein the self-selected platform program includes: using the server component to send an access command to the paired mobile device; After receiving the access command with the paired mobile device, the paired mobile device sends a priority sequence stored in the memory of the paired mobile device to the server component, wherein the priority sequence has a number of sequentially arranged information of a payment platform; use the server component to compare whether the payment platform information is included in a list of merchant platforms stored in the server component, wherein the list of merchant platforms includes multiple Payment platform information; and the same payment platform included in the merchant platform list and ranked first in the priority sequence as the payment platform used for this transaction. A positioning mobile payment system, comprising: a data receiving component for outputting identification data; a cash register host electrically connected to the data receiving component, the cash register host receiving and outputting the identification data and outputting a transaction information; multiple wireless A transceiver is connected to a mobile device in communication, and the wireless transceivers output a plurality of signal strength information associated with a mobile device; and a server component is electrically connected to the cash register host and the wireless transceivers, the server component The wireless transceivers identify the mobile device, wherein after the server component receives the transaction information and the identification data, obtains a plurality of signal strength information associated with the mobile device from the wireless transceivers and based on the signals The strength information identifies the mobile device, and performs an identification process on the mobile device and configures Yes, execute a self-selected platform program, and finally send a checkout list to the paired mobile device according to the transaction information and the result of the self-selected platform program; wherein the identification program is applicable to the location-based mobile payment system, and the identification program The steps include: using the server component to send an access command to the mobile device; using the mobile device to send a user data stored in the memory of the mobile device to the mobile device after receiving the access command The server component, wherein the user data and the identification data are the same type of data; the server component is used to perform a matching degree comparison based on the identification data and the user data; and the server component is used to perform the matching degree After the comparison, the server component is used to pair the mobile device with the user data whose matching degree is higher than a threshold and is the highest matching degree. The positioning mobile payment system as described in claim item 5, wherein when the data receiving component transmits the identification data to the server component through the cash register host, the server component further determines a three-point positioning through the wireless transceivers The mobile device within the default area. The location-based mobile payment system as described in claim 5, wherein the server component determines the mobile device within the communication range of the wireless transceivers by broadcasting. The location-based mobile payment system as described in claim 5, wherein the self-selected platform program is applicable to the location-based mobile payment system, the mobile device further includes a priority sequence, the priority sequence has a plurality of payment platform information arranged in order, and the The server component further includes a merchant platform list, the merchant platform list has a plurality of payment platform information used by the merchant; wherein after the server component sends an access command to the paired mobile device, the paired mobile device sends the The priority sequence is sent to the server component, and the server component compares whether the payment platform information is included in the merchant platform list according to the priority order of the payment platform information, and finally determines whether the payment platform information is included in the merchant platform list and in the priority The same payment platform ranked first in the sequence is the payment platform used in this transaction.

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