TWI807183B - Mobile payment device and mobile payment method - Google Patents

Abstract

A mobile payment device and a mobile payment method are provided. The mobile payment method includes: pre-storing credit card selection rules, first credit card information, and second credit card information; obtaining first credit card details corresponding the first credit card information and second credit card details corresponding to the second credit card information; obtaining transaction details of a mobile payment transaction; and selecting, according to the credit card selection rules, the first credit card details, the second credit card details, and the transaction details, at least one of the first credit card information and the second credit card information to perform the mobile payment transaction.

Description

Mobile payment device and mobile payment method

The disclosure relates to an electronic device and a method, and in particular to a mobile payment device and a mobile payment method.

Currently, there are a variety of credit card products on the market, accompanied by a variety of bonus reward conditions, such as spending in a specific channel, binding a specific mobile payment application, or accumulating monthly consumption to a certain amount or a certain number of times, etc. In addition, the annual fee reduction conditions for credit cards are also very diverse, such as the accumulated consumption per year or the number of card swipes per year. In addition to the normal bonus rewards, many credit card products will also launch short-term activities to encourage consumers to use the credit card product for consumption.

Based on the above scenarios of "diversified credit card reward conditions, diversified credit card annual fee reduction conditions, and diversified credit card short-term activities", when consumers hold multiple credit cards, consumers often need to think about how to swipe the cards to maximize the reward bonus. Therefore, in order to reduce the consumer's burden, it is necessary to propose a method that can automatically judge the method for the consumer to swipe the card.

The disclosure provides a mobile payment device and a mobile payment method, which can select one of multiple credit cards for a user to perform a mobile payment transaction on the premise of maximizing bonus returns.

A mobile payment device disclosed in the present disclosure includes a processor, a storage medium, a transceiver and an input and output device. The storage medium stores credit card selection rules, first credit card information and second credit card information. The processor is coupled to the storage medium, the transceiver and the input and output device, wherein the processor obtains the first credit card details corresponding to the first credit card information and the second credit card details corresponding to the second credit card information through the transceiver, obtains the transaction details of the mobile payment transaction through one of the transceiver and the input and output device, and selects at least one of the first credit card information and the second credit card information according to the credit card selection rules, the first credit card details, the second credit card details and the transaction details to perform the mobile payment transaction.

In an embodiment of the present disclosure, the above-mentioned credit card selection rule includes a first priority corresponding to the first credit card information and a second priority corresponding to the second credit card information, wherein the processor selects the first credit card information for the mobile payment transaction in response to the first priority being greater than the second priority.

In an embodiment of the present disclosure, the above-mentioned credit card selection rule includes a credit card replacement condition, wherein the processor lowers the first priority to make the second priority greater than the first priority in response to the first credit card details matching the credit card replacement condition.

In an embodiment of the present disclosure, the above-mentioned credit card replacement conditions include at least one of the following: single transaction bonus limit, accumulated transaction bonus limit, swiping Card times, single card swiping amount and accumulated card swiping amount.

In an embodiment of the present disclosure, the above-mentioned processor selects at least one of the first credit card information and the second credit card information to perform the mobile payment transaction by means of installment payment.

In an embodiment of the present disclosure, the above-mentioned credit card selection rule includes a first burden amount and a second burden amount, wherein the processor uses the first credit card information to pay the first amount corresponding to the mobile payment transaction according to the first burden amount, and uses the second credit card information to pay the second amount corresponding to the mobile payment transaction according to the second burden amount.

In an embodiment of the present disclosure, the above-mentioned credit card selection rule includes a first number of swipes and a second number of swipes, wherein the processor uses the first credit card information multiple times to pay the first amount corresponding to the mobile payment transaction according to the first number of swipes, and uses the second credit card information multiple times to pay the second amount corresponding to the mobile payment transaction according to the second number of swipes.

In an embodiment of the present disclosure, the above-mentioned credit card selection rule includes a consumption category corresponding to the first credit card information, wherein the processor selects the first credit card information for the mobile payment transaction in response to the matching of the transaction details and the consumption category.

A mobile payment method disclosed in this disclosure includes: pre-stored credit card selection rules, first credit card information and second credit card information; obtaining the first credit card details corresponding to the first credit card information and the second credit card details corresponding to the second credit card information; obtaining transaction details of mobile payment transactions; Then, the first credit card details, the second credit card details, and the transaction details select at least one of the first credit card information and the second credit card information to perform a mobile payment transaction.

Based on the above, the present disclosure can select the credit card used for the mobile payment transaction according to the credit card selection rules, wherein the credit card selection rules are, for example, associated with the use priority or consumption category of the credit card. In this disclosure, the credit card that can get the most bonus rewards will be preferentially selected for consumption. Therefore, consumers no longer need to spend time thinking about how to choose a credit card when making a transaction.

100: mobile payment device

110: Processor

120: storage media

130: Transceiver

140: Input and output device

S201, S202, S203, S204: steps

FIG. 1 is a schematic diagram of a mobile payment device according to an embodiment of the disclosure.

FIG. 2 shows a flowchart of a mobile payment method according to an embodiment of the disclosure.

FIG. 1 is a schematic diagram of a mobile payment device 100 according to an embodiment of the disclosure. The mobile payment device 100 may include a processor 110 , a storage medium 120 , a transceiver 130 and an input/output device 140 . The mobile payment device 100 is, for example, a telephone device, a tablet computer, a radio frequency device, a handheld electronic device or a wearable electronic device, etc., but the disclosure is not limited thereto.

The processor 110 is, for example, a central processing unit (central processing unit, CPU), or other programmable general-purpose or special-purpose microcontrollers Unit (micro control unit, MCU), microprocessor (microprocessor), digital signal processor (digital signal processor, DSP), programmable controller, application specific integrated circuit (ASIC), graphics processing unit (graphics processing unit, GPU), image signal processor (image signal processor, ISP), image processing unit ( image processing unit (IPU), arithmetic logic unit (arithmetic logic unit, ALU), complex programmable logic device (complex programmable logic device, CPLD), field programmable logic gate array (field programmable gate array, FPGA) or other similar components or a combination of the above components. The processor 110 can be coupled to the storage medium 120 , the transceiver 130 and the input/output device 140 , and access and execute multiple modules and various application programs stored in the storage medium 120 .

The storage medium 120 is, for example, any type of fixed or removable random access memory (random access memory, RAM), read-only memory (read-only memory, ROM), flash memory (flash memory), hard disk drive (hard disk drive, HDD), solid state drive (solid state drive, SSD) or similar components or a combination of the above components, and is used for storing multiple programs executable by the processor 110. Mods or various applications. In this embodiment, the storage medium 120 can store credit card selection rules. In addition, the storage medium 120 can also store N pieces of credit card information including the first credit card information and the second credit card information, where N is, for example, any positive integer. The credit card information may include such necessary information as credit card number, expiry date or security code, etc., which are required for credit card transactions, but the present disclosure is not limited thereto.

The transceiver 130 transmits and receives signals in a wireless or wired manner. send and receive The converter 130 may also perform operations such as low noise amplification, impedance matching, frequency mixing, up or down frequency conversion, filtering, amplification, and the like.

The input and output device 140 may include input devices such as a touch screen, keyboard, mouse, or image capture device, and may include output devices such as a display or a speaker.

The processor 110 can obtain the first credit card details corresponding to the first credit card information and the second credit card details corresponding to the second credit card information through the transceiver 130 . The credit card details include, for example, current year or current month credit card transaction information, but the present disclosure is not limited thereto. The above-mentioned transaction information may include but not limited to transaction time, transaction amount, store information, consumption category, available balance, accumulated bonus rewards, payment deadline or minimum payable amount, etc.

In one embodiment, the storage medium 120 can store the transaction details after the mobile payment device 100 completes the transaction through the first credit card information or the second credit card information. The processor 110 can obtain or calculate the first credit card details corresponding to the first credit card information and the second credit card details corresponding to the second credit card information through the transaction details stored in the storage medium 120 .

In addition, when the user wants to use the mobile payment device 100 to conduct a mobile payment transaction, the user can operate the mobile payment device 100 to make the processor 110 obtain the transaction details of the mobile payment transaction through the transceiver 130 or the input and output device 140, wherein the transaction details may include but not limited to the consumption amount, consumption category (such as but not limited to: daily necessities, online shopping, transportation, catering or supermarkets), consumption time or store information.

In one embodiment, the processor 110 may receive the transaction details through the transceiver 130 . For example, the processor 110 can receive a radio frequency signal transmitting device from a store through the transceiver 130 to obtain the transaction details of the mobile payment transaction.

In one embodiment, the processor 110 may receive transaction details through the input and output device 140 . For example, the input and output device 140 is, for example, an image capture device. The processor 110 can scan the barcode (for example: a two-dimensional barcode) of the store through the input and output device 140 to obtain the transaction details including the store information. For another example, the input and output device 140 is a touch screen or a keyboard. The user can input the transaction details into the mobile payment device 100 through the input and output device 140 .

After obtaining the first credit card details corresponding to the first credit card information, the second credit card details corresponding to the second credit card information, and the transaction details of the mobile payment transaction, the processor 110 can select the first credit card information and/or the second credit card information according to the credit card selection rules, the first credit card details, the second credit card details and/or the transaction details, and perform the mobile payment transaction according to the selected first credit card information and/or the second credit card information.

In one embodiment, the mobile payment device 100 can conduct mobile payment transactions through induction payment. Specifically, the processor 110 may select the first credit card information and/or the second credit card information according to the credit card selection rules, the first credit card details, the second credit card details and/or the transaction details to generate transaction information, wherein the transaction information may include a digital payment token. Then, the processor 110 can transmit the transaction information through the transceiver 130 to perform a mobile payment transaction. For example, the processor 110 can transmit the transaction information to the store through the transceiver 130 signal receiver for mobile payment transactions. The transceiver 130 transmits transaction information, for example, through near-field communication (NFC), but the disclosure is not limited thereto.

In one embodiment, the mobile payment device 100 can perform a mobile payment transaction by displaying a barcode (eg, a two-dimensional barcode). Specifically, it is assumed that the input/output device 140 includes a display. The processor 110 can select the first credit card information and/or the second credit card information according to the credit card selection rules, the first credit card details, the second credit card details and/or the transaction details to generate a two-dimensional barcode. Next, the processor 110 can display the two-dimensional barcode through the input-output device 140 to perform mobile payment transactions.

The credit card selection rules can be used to determine the credit card information to be used when conducting mobile payment transactions, so as to maximize the credit card rewards that users can obtain. The credit card selection rules can be defined by the user, but the present invention is not limited thereto.

In one embodiment, the credit card selection rule may include a first priority corresponding to the first credit card information and a second priority corresponding to the second credit card information. When the mobile payment device 100 performs a mobile payment transaction, the processor 110 may determine to select the first credit card information or the second credit card information to perform the mobile payment transaction according to the first priority and the second priority. For example, the processor 110 may preferentially select the first credit card information for the mobile payment transaction when both the first credit card information and the second credit card information are available in response to the first priority being greater than the second priority.

In one embodiment, the priority of the credit card information can be customized by the user, for example. In another embodiment, the priority of credit card information may be determined by, for example, the The processor 110 determines the reward amount according to the credit card information. For example, if the mobile payment transaction using the first credit card information can obtain a 5% rebate amount, and the mobile payment transaction using the second credit card information can obtain a 2% rebate amount, then the processor 110 can define a first priority for the first credit card information and a second priority for the second credit card information in response to the rebate amount corresponding to the first credit card information being greater than the rebate amount corresponding to the second credit card information, so that the first priority is greater than the second priority.

In one embodiment, the credit card selection rules may include credit card replacement conditions. The processor 110 may reduce the first priority of the first credit card information in response to the first credit card details of the first credit card information matching the credit card replacement condition, so that the second priority of the second credit card is greater than the first priority. In other words, if the processor 110 judges that the first credit card details of the first credit card information meet the credit card replacement condition, the processor 110 will preferentially select other credit card information instead of the first credit card information for mobile payment transactions. The credit card replacement conditions can be defined by the user, but the present invention is not limited thereto.

In one embodiment, the credit card replacement condition may include a single transaction bonus upper limit. The upper limit of a single transaction bonus can be defined by the user, but the present invention is not limited thereto. For example, if the bonus reward corresponding to the amount spent in the ongoing mobile payment transaction of the mobile payment device 100 reaches (or exceeds) the bonus upper limit for a single transaction of the first credit card information, it means that using the first credit card information to perform the mobile payment transaction may cause the user to lose part of the bonus reward. Accordingly, the processor 110 can select the second credit card information to perform the mobile payment transaction. or, the processor 110 can use the first credit card information to pay part of the amount of the mobile payment transaction (for example: the amount that can make the bonus reward corresponding to the first credit card information reach the bonus limit of a single transaction), and use the second credit card information to pay the remaining amount of the mobile payment transaction.

In one embodiment, the credit card replacement condition may include an upper limit on accumulated transaction bonuses. The upper limit of accumulated trading bonuses can be defined by the user, but the present invention is not limited thereto. For example, if the bonus reward corresponding to the amount spent in the ongoing mobile payment transaction of the mobile payment device 100 reaches (or exceeds) the monthly cumulative transaction bonus upper limit of the first credit card information, it means that using the first credit card information to conduct mobile payment transactions may cause the user to lose part of the bonus reward. Accordingly, the processor 110 can select the second credit card information to perform the mobile payment transaction. Alternatively, the processor 110 may use the first credit card information to pay part of the amount of the mobile payment transaction (for example: the amount that can make the bonus reward corresponding to the first credit card information reach the upper limit of accumulated transaction bonus), and use the second credit card information to pay the remaining amount of the mobile payment transaction.

In one embodiment, the credit card replacement condition may include the number of card swipes. The number of card swipes can be defined by the user, but the present invention is not limited thereto. For example, the processor 110 may select the second credit card information instead of the first credit card information to perform the mobile payment transaction if the number of swipes of the first credit card information meets the conditions for obtaining bonus rewards or annual fee reductions.

In an embodiment, the credit card replacement condition may include a single credit card swiping amount. The amount of a single card swiping can be defined by the user, but the present invention is not limited thereto. for example, If the first credit card information in this month (or this year) has met the conditions for receiving bonuses or annual fee reductions for a certain amount of card swiping in this month (or this year), the processor 110 may select the second credit card information instead of the first credit card information for mobile payment transactions.

In one embodiment, the credit card replacement condition may include the accumulated swiped amount. The accumulative card swiping amount can be defined by the user, but the present invention is not limited thereto. For example, if the multiple card swiping amounts of the first credit card information in this month (or this year) meet the conditions for receiving bonuses or annual fee reductions, the processor 110 may select the second credit card information instead of the first credit card information for mobile payment transactions.

In one embodiment, the mobile payment device 100 can support payment in installments. Specifically, the processor 110 may select the first credit card information and/or the first credit card information to perform the mobile payment transaction by means of installment payment.

In one embodiment, the credit card selection rule may include a first payment amount corresponding to the first credit card information and a second payment amount corresponding to the second credit card information. The first burden amount and/or the second burden amount can be defined by the user, but the present invention is not limited thereto. The processor 110 may use the first credit card information to pay the first amount corresponding to the mobile payment transaction according to the first burden amount, and use the second credit card information to pay the second amount corresponding to the mobile payment transaction according to the second burden amount. For example, the credit card selection rule may restrict the mobile payment device 100 to use the first credit card information to pay 70% of the amount of a mobile payment transaction, and use the first credit card information to pay 30% of the amount of the same mobile payment transaction. Therefore, if the amount of a mobile payment transaction is 100 yuan, the processor 110 can use the first credit card information to pay 70 yuan, and use the second credit card information to pay 30 yuan.

In one embodiment, the credit card selection rule may include a first number of card swipes corresponding to the first credit card information and a second number of card swipes corresponding to the second credit card information. The first number of card swipes and/or the second number of card swipes can be defined by the user, but the present invention is not limited thereto. The processor 110 may use the first credit card information multiple times to pay the first amount corresponding to the mobile payment transaction according to the first card swiping times, and use the second credit card information multiple times to pay the second amount corresponding to the mobile payment transaction according to the second card swiping times. In other words, the credit card selection rules may restrict the mobile payment device 100 to use the first credit card information N times (i.e., perform N times of swiping the card) to pay part of the amount of a mobile payment transaction, and use the second credit card information M times (i.e., perform M times of card swiping) to pay another part of the amount of the same mobile payment transaction, wherein N and M are positive integers. For example, for a single mobile payment transaction, the credit card selection rules may restrict the mobile payment device 100 to use the first credit card information to swipe the card 3 times to pay 60% of the mobile payment transaction (i.e., to pay 20% of the mobile payment transaction with one swipe), and to use the second credit card information to swipe the card 4 times to pay 40% of the mobile payment transaction (i.e., to swipe the card to pay 10% of the amount). Therefore, the present invention can help users quickly accumulate credit card swiping times.

In one embodiment, the credit card selection rules may include consumption categories. The consumption category can be defined by the user, but the present invention is not limited thereto. The processor 110 may select the first credit card information to perform the mobile payment transaction in response to the matching of the transaction details and the consumption category corresponding to the first credit card information. For example, assume that the first credit card information is used to pay for the online shopping category, and the second credit card information is used to pay for the food and beverage category. feed. The processor 110 may select the first credit card information to perform the mobile payment transaction in response to the transaction details of the mobile payment transaction recording that the mobile payment transaction belongs to the category of online shopping.

FIG. 2 shows a flowchart of a mobile payment method according to an embodiment of the present disclosure, wherein the mobile payment method can be implemented by the mobile payment device 100 shown in FIG. 1 . In step S201, credit card selection rules, first credit card information and second credit card information are pre-stored. In step S202, the first credit card details corresponding to the first credit card information and the second credit card details corresponding to the second credit card information are obtained. In step S203, the transaction details of the mobile payment transaction are obtained. In step S204, at least one of the first credit card information and the second credit card information is selected according to the credit card selection rules, the first credit card details, the second credit card details and the transaction details to perform mobile payment transactions.

To sum up, the present disclosure can select at least one credit card from multiple credit cards for the user to perform a mobile payment transaction, so as to maximize the credit card swiping rewards that the user can obtain. The present disclosure can select credit cards for mobile payment transactions according to credit card selection rules, wherein the credit card selection rules are, for example, associated with the use priority or consumption category of the credit card. In this disclosure, the credit card that can get the most bonus rewards will be preferentially selected for consumption, and the credit card used will be replaced when the bonus rewards that the credit card can obtain reach the upper limit. Therefore, consumers no longer need to spend time thinking about how to choose a credit card when making a transaction.

S201, S202, S203, S204: steps

Claims (5)

A mobile payment device, comprising: a transceiver; an input and output device; a storage medium for storing credit card selection rules, first credit card information, and second credit card information, wherein the credit card selection rules include first credit card selection rules, second credit card selection rules, and third credit card selection rules; and a processor coupled to the storage medium, the transceiver, and the input and output device, wherein the processor obtains the first credit card details corresponding to the first credit card information and the second credit card details corresponding to the second credit card information through the transceiver, and obtains transaction details of mobile payment transactions through at least one of the transceiver and the input and output devices and select at least one of the first credit card information and the second credit card information according to the credit card selection rules, the first credit card details, the second credit card details, and the transaction details to perform the mobile payment transaction, wherein the first credit card selection rules include consumption categories corresponding to the first credit card information, wherein the second credit card selection rules include a first priority corresponding to the first credit card information and a second priority corresponding to the second credit card information, wherein the third credit card selection rules include credit card replacement conditions, wherein the processor responds to the transaction details and the consumption category matching and selecting the first credit card information to perform the mobile payment transaction, wherein the processor selects the first credit card information to perform the mobile payment transaction in response to the first priority being greater than the second priority, wherein the processor lowers the first priority in response to the first credit card details matching the credit card replacement condition so that the second priority is greater than the first priority, wherein the credit card selection rule further includes a fifth credit card selection rule, wherein the fifth credit card selection rule includes a first card swiping number of times and a second card swiping number of times, wherein the processor uses the first credit card information multiple times according to the first card swiping number of times to make a payment corresponding The first amount of the mobile payment transaction, and the second credit card information is used multiple times according to the second card swiping times to pay the second amount corresponding to the mobile payment transaction, wherein the sum of the first amount and the second amount is the total amount corresponding to the mobile payment transaction. The mobile payment device according to claim 1, wherein the credit card replacement condition includes at least one of the following: a single transaction bonus limit, a cumulative transaction bonus limit, card swiping times, a single card swiping amount, and a cumulative card swiping amount. The mobile payment device according to claim 1, wherein the processor selects at least one of the first credit card information and the second credit card information to perform the mobile payment transaction by means of installment payment. The mobile payment device as described in claim 1, wherein the credit card selection rule further includes a fourth credit card selection rule, wherein the fourth credit card selection rule Then include a first burden amount and a second burden amount, wherein the processor uses the first credit card information to pay the first amount corresponding to the mobile payment transaction according to the first burden amount, and uses the second credit card information to pay the second amount corresponding to the mobile payment transaction according to the second burden amount. A mobile payment method, comprising: pre-storing credit card selection rules, first credit card information, and second credit card information in a storage medium, wherein the credit card selection rules include first credit card selection rules, second credit card selection rules, and third credit card selection rules; obtaining first credit card details corresponding to the first credit card information and second credit card details corresponding to the second credit card information through a transceiver; obtaining transaction details of mobile payment transactions through at least one of the transceiver and input and output devices; carefully selecting at least one of the first credit card information and the second credit card information to perform the mobile payment transaction, wherein the first credit card selection rule includes a consumption category corresponding to the first credit card information, wherein the second credit card selection rule includes a first priority corresponding to the first credit card information and a second priority corresponding to the second credit card information, wherein the third credit card selection rule includes a credit card replacement condition, wherein the processor responds to the transaction details and the consumption category matching and selecting the first credit card information to perform the mobile payment transaction, wherein the processor selects the first credit card information to perform the mobile payment transaction in response to the first priority being greater than the second priority, wherein the processor lowers the first priority in response to the first credit card details matching the credit card replacement condition so that the second priority is greater than the first priority, wherein the credit card selection rule further includes a fifth credit card selection rule, wherein the fifth credit card selection rule includes a first card swiping number of times and a second card swiping number of times, wherein the processor uses the first credit card information multiple times according to the first card swiping number of times to make a payment corresponding The first amount of the mobile payment transaction, and the second credit card information is used multiple times according to the second card swiping times to pay the second amount corresponding to the mobile payment transaction, wherein the sum of the first amount and the second amount is the total amount corresponding to the mobile payment transaction.