本發明係關於一種交易方法及裝置；特別是有關於一種將行動裝置作為刷卡機，供使用者進行交易之交易方法及裝置。The present invention relates to a transaction method and apparatus; and more particularly to a transaction method and apparatus for using a mobile device as a credit card machine for a user to conduct a transaction.
近年來隨著無線應用通訊協定(Wireless Application Protocol,WAP)、整體封包無線電服務(General Packet Radio Service,GPRS)等技術的發展，以及智慧型手機的盛行，使用行動通訊裝置進行網路購物已蔚為一股風潮。然而現有機制多仍需使用者逐字輸入使用者帳號、密碼或信用卡帳號等資訊以進行付費，而VISA等信用卡發行組織也為了降低偽卡及卡號外洩問題，在交易時要求使用者輸入密碼以強化線上交易之安全性，但仍常有使用者忘記密碼或密碼被竊取的情況發生。為了降低網路線上交易的風險，應提供更好的架構以保障金融單位、消費者、商家之權益。In recent years, with the development of technologies such as the Wireless Application Protocol (WAP) and the General Packet Radio Service (GPRS), and the prevalence of smart phones, the use of mobile communication devices for online shopping has become popular. For a wave. However, many existing mechanisms still require the user to input user account, password or credit card account number by word for payment, and credit card issuing organizations such as VISA also require the user to enter the password in order to reduce the problem of the fake card and card number leakage. To enhance the security of online transactions, but often users forget the password or password is stolen. In order to reduce the risk of online online transactions, a better structure should be provided to protect the interests of financial units, consumers, and merchants.
另一方面，隨著近場通訊(Near Field Communication,NFC)技術的逐漸成熟，生活中有越來越多利用此技術的服務產生，例如現行的悠遊卡即是一例。而近場通訊裝置由於其體積小且無須另外供電之特性，相當適合用於執行資料讀寫。因此，本發明希望提供一種結合近場通訊技術與網路購物之網路購物機制，進行身分認證及付費，以解決上述現有技術之缺失。On the other hand, with the gradual maturity of Near Field Communication (NFC) technology, more and more services using this technology are generated in life, for example, the current leisure card is an example. The near field communication device is quite suitable for reading and writing data because of its small size and no need for additional power supply. Therefore, the present invention is intended to provide an online shopping mechanism that combines near field communication technology and online shopping to perform identity authentication and payment to solve the above-mentioned lack of prior art.
本發明之主要目的係在提供一種交易方法，可以將一行動裝置作為刷卡機，供使用者進行交易。The main object of the present invention is to provide a transaction method in which a mobile device can be used as a credit card machine for a user to conduct a transaction.
本發明之另一主要目的係在提供一種行動裝置，該行動裝置可作為刷卡機供使用者進行交易。Another primary object of the present invention is to provide a mobile device that can be used as a card swipe for a user to conduct a transaction.
為達成上述之目的，依據本發明之一實施例，本發明之交易方法係用於行動裝置，供使用者使用行動裝置與交易裝置及伺服器協同作用以完成交易。交易方法包含以下步驟：傳送使用者之身分辨識資訊至伺服器；接收伺服器根據身分辨識資訊所傳送之交易資訊；傳送確認交易資訊之指令至伺服器；偵測交易裝置接觸或接近行動裝置之感應動作，以取得交易裝置所儲存之交易裝置識別資訊；以及傳送交易裝置識別資訊至伺服器，以供伺服器根據交易裝置識別資訊完成交易。To achieve the above objects, in accordance with an embodiment of the present invention, the transaction method of the present invention is for a mobile device for a user to use a mobile device to cooperate with a transaction device and a server to complete a transaction. The transaction method comprises the steps of: transmitting the identity identification information of the user to the server; receiving the transaction information transmitted by the server according to the identity identification information; transmitting an instruction for confirming the transaction information to the server; and detecting that the transaction device contacts or approaches the mobile device Inductive action to obtain transaction device identification information stored by the transaction device; and transmitting transaction device identification information to the server for the server to complete the transaction based on the transaction device identification information.
依據本發明之一實施例，交易方法更包含傳送行動裝置之行動裝置識別資訊至伺服器，以使伺服器根據身分辨識資訊及行動裝置識別資訊取得交易資訊。According to an embodiment of the present invention, the transaction method further includes transmitting the mobile device identification information of the mobile device to the server, so that the server obtains the transaction information according to the identity identification information and the mobile device identification information.
依據本發明之一實施例，交易方法更包含顯示提示訊息，以提示使用者執行感應動作。According to an embodiment of the invention, the transaction method further includes displaying a prompt message to prompt the user to perform the sensing action.
依據本發明之一實施例，交易方法更包含接收伺服器所傳送之交易金鑰。According to an embodiment of the invention, the transaction method further comprises receiving a transaction key transmitted by the server.
依據本發明之一實施例，交易方法更包含接收伺服器所傳送之交易紀錄；以及顯示交易紀錄於行動裝置。According to an embodiment of the invention, the transaction method further comprises receiving a transaction record transmitted by the server; and displaying the transaction record on the mobile device.
依據本發明之一實施例，其中行動裝置係藉由近場區域通訊技術以取得交易裝置之交易裝置識別資訊。According to an embodiment of the invention, the mobile device uses the near field communication technology to obtain the transaction device identification information of the transaction device.
依據本發明之一實施例，本發明之行動裝置用以供使用者使用行動裝置，與交易裝置及伺服器協同作用以完成交易。行動裝置包含傳送模組、接收模組及通訊模組。傳送模組用以傳送使用者之身分辨識資訊至伺服器。接收模組用以接收伺服器根據身分辨識資訊所傳送之交易資訊，且傳送模組進一步用以傳送確認交易資訊之指令至伺服器。通訊模組用以偵測交易裝置接觸或接近行動裝置之感應動作，以取得交易裝置所儲存之交易裝置識別資訊，且傳送模組進一步用以傳送交易裝置識別資訊至伺服器，以供伺服器根據交易裝置識別資訊完成交易。According to an embodiment of the present invention, the mobile device of the present invention is used by a user to use a mobile device to cooperate with a transaction device and a server to complete a transaction. The mobile device includes a transmission module, a receiving module and a communication module. The transmission module is configured to transmit the identity identification information of the user to the server. The receiving module is configured to receive the transaction information transmitted by the server according to the identity identification information, and the transmitting module is further configured to transmit an instruction for confirming the transaction information to the server. The communication module is configured to detect the sensing action of the transaction device contacting or approaching the mobile device to obtain the transaction device identification information stored by the transaction device, and the transmission module is further configured to transmit the transaction device identification information to the server for the server The transaction is completed based on the transaction device identification information.
依據本發明之一實施例，其中傳送模組進一步用以傳送行動裝置之行動裝置識別資訊至伺服器，以使伺服器根據身分辨識資訊及行動裝置識別資訊取得交易資訊。According to an embodiment of the present invention, the transmission module is further configured to transmit the mobile device identification information of the mobile device to the server, so that the server obtains the transaction information according to the identity identification information and the mobile device identification information.
依據本發明之一實施例，行動裝置更包含顯示模組，用以顯示提示訊息，以提示使用者執行感應動作。According to an embodiment of the invention, the mobile device further includes a display module for displaying a prompt message to prompt the user to perform the sensing action.
依據本發明之一實施例，其中接收模組進一步用以接收伺服器所傳送之交易金鑰。According to an embodiment of the invention, the receiving module is further configured to receive the transaction key transmitted by the server.
依據本發明之一實施例，其中接收模組進一步用以接收伺服器所傳送之交易紀錄，且顯示模組進一步用以顯示交易紀錄於行動裝置。According to an embodiment of the invention, the receiving module is further configured to receive a transaction record transmitted by the server, and the display module is further configured to display the transaction record on the mobile device.
依據本發明之一實施例，其中行動裝置係藉由近場區域通訊技術以取得交易裝置之交易裝置識別資訊。According to an embodiment of the invention, the mobile device uses the near field communication technology to obtain the transaction device identification information of the transaction device.
為讓本發明之上述和其他目的、特徵和優點能更明顯易懂，下文特舉出本發明之具體實施例，並配合所附圖式，作詳細說明如下。The above and other objects, features and advantages of the present invention will become more <
以下請先參考圖1，係依據本發明之一實施例之交易方法之使用環境示意圖。如圖1所示，使用者90使用行動裝置10透過網路100，與交易裝置20、伺服器30、購物網站伺服器40及信用卡公司伺服器50協同作用完成一交易。在使用者90於購物網站伺服器40下達購物指令後，購物網站伺服器40、行動裝置10分別傳送交易相關資訊至伺服器30，接著行動裝置10偵測交易裝置20之感應動作，取得交易裝置識別資訊後傳送至伺服器30，由伺服器30與信用卡公司伺服器50進行交易處理後完成交易。Please refer to FIG. 1 below, which is a schematic diagram of a usage environment of a transaction method according to an embodiment of the present invention. As shown in FIG. 1, the user 90 uses the mobile device 10 to interact with the transaction device 20, the server 30, the shopping website server 40, and the credit card company server 50 via the network 100 to complete a transaction. After the user 90 issues the shopping instruction on the shopping website server 40, the shopping website server 40 and the mobile device 10 respectively transmit the transaction related information to the server 30, and then the mobile device 10 detects the sensing action of the transaction device 20 to obtain the transaction device. After the identification information is transmitted to the server 30, the server 30 performs transaction processing with the credit card company server 50 to complete the transaction.
依據本發明之一實施例，行動裝置10為一可連上網路之行動電話，但本發明不以此為限；亦可以是筆記型電腦、個人數位助理(Personal Digital Assistant,PDA)或平板電腦等任何可連上網路之電子裝置。且可藉由內建於作業系統(OS)中，或安裝應用程式(APP)於上述電子裝置中來實施本發明，惟本發明不以此為限。如圖1所示，行動裝置10包括有處理器17及記憶體18，記憶體18包括交易程式19，藉以執行本發明之交易方法。According to an embodiment of the present invention, the mobile device 10 is a network-attached mobile phone, but the invention is not limited thereto; and may also be a notebook computer, a personal digital assistant (PDA) or a tablet computer. Any electronic device that can be connected to the network. The present invention may be implemented by being built in an operating system (OS) or by installing an application (APP) in the above electronic device, but the invention is not limited thereto. As shown in FIG. 1, the mobile device 10 includes a processor 17 and a memory 18, and the memory 18 includes a transaction program 19 for performing the transaction method of the present invention.
依據本發明之一實施例，交易裝置20為一信用卡，但本發明不以此為限，例如亦可以是交通IC卡(悠遊卡)、電子錢包(I-CASH)等裝置。According to an embodiment of the present invention, the transaction device 20 is a credit card, but the invention is not limited thereto, and may be, for example, a device such as a traffic IC card (I-Cash) or an electronic wallet (I-CASH).
接著請參考圖2，係依據本發明之一實施例之行動裝置之系統架構圖。如圖2所示，依據本發明之一實施例，本發明之行動裝置10包括傳送模組11、接收模組12、通訊模組13及顯示模組14。需注意的是，上述各個模組除可配置為硬體裝置、軟體程式、韌體或其組合外，亦可藉電路迴路或其他適當型式配置；並且，各個模組除可以單獨之型式配置外，亦可以結合之型式配置。此外，本實施方式僅例示本發明之較佳實施例，為避免贅述，並未詳加記載所有可能的變化組合。然而，本領域之通常知識者應可理解，上述各模組或元件未必皆為必要。且為實施本發明，亦可能包含其他較細節之習知模組或元件。各模組或元件皆可能視需求加以省略或修改，且任兩模組間未必不存在其他模組或元件。Next, please refer to FIG. 2, which is a system architecture diagram of a mobile device according to an embodiment of the present invention. As shown in FIG. 2, the mobile device 10 of the present invention includes a transmission module 11, a receiving module 12, a communication module 13, and a display module 14, in accordance with an embodiment of the present invention. It should be noted that, in addition to being configurable as a hardware device, a software program, a firmware, or a combination thereof, each of the above modules may also be configured by a circuit loop or other suitable type; and, in addition, each module may be configured in a separate type. It can also be combined with the type configuration. In addition, the present embodiment is merely illustrative of preferred embodiments of the present invention, and in order to avoid redundancy, all possible combinations of variations are not described in detail. However, those of ordinary skill in the art will appreciate that the various modules or components described above are not necessarily required. In order to implement the invention, other well-known modules or elements of more detail may also be included. Each module or component may be omitted or modified as needed, and no other modules or components may exist between any two modules.
依據本發明之一實施例，傳送模組11與接收模組12係用以透過網路與伺服器30及購物網站伺服器40交換資訊。通訊模組13做為行動裝置10與交易裝置20通訊或傳輸之媒介，用以接收交易裝置20中儲存之資訊。顯示模組14則如同一般的螢幕，用以顯示畫面。According to an embodiment of the invention, the transmitting module 11 and the receiving module 12 are configured to exchange information with the server 30 and the shopping website server 40 via the network. The communication module 13 serves as a medium for communication or transmission between the mobile device 10 and the transaction device 20 for receiving information stored in the transaction device 20. The display module 14 is like a general screen for displaying a picture.
依據本發明之一實施例，通訊模組13可以是近場區域通訊(Near Field Communication,NFC)模組，但本發明不以此為限，例如亦可以是射頻識別(Radio-frequency identification,RFID)模組、紅外線(Infrared,IR)模組、藍芽(Blue Tooth)模組等其他無線傳輸模組。According to an embodiment of the present invention, the communication module 13 may be a Near Field Communication (NFC) module, but the invention is not limited thereto, and may be, for example, a radio frequency identification (RFID). ) Other wireless transmission modules such as modules, infrared (IR) modules, and Bluetooth (Blue Tooth) modules.
接下來請參考圖3，係依據本發明之一實施例之交易方法之步驟流程圖；並請一併參考圖2及圖4、圖5A至圖51D，係關於本發明之一具體實施例。以下將以圖2所示之行動裝置10說明本發明之交易方法。但需注意的是，本發明之交易方法並不以使用在圖2所示之行動裝置10為限。Please refer to FIG. 3, which is a flow chart of the steps of the transaction method according to an embodiment of the present invention; and please refer to FIG. 2 and FIG. 4 and FIG. 5A to FIG.51D is a specific embodiment of the invention. The transaction method of the present invention will be described below with the mobile device 10 shown in FIG. It should be noted, however, that the transaction method of the present invention is not limited to use with the mobile device 10 shown in FIG. 2.
首先進行步驟S1：傳送購物者身分及交易資訊First step S1: transfer shopper identity and transaction information
首先使用者90需連線至購物網站伺服器40進行購物。請參考圖4，依據本發明之一實施例，購物網站伺服器40提供一購物頁面110顯示於顯示模組14，其中購物頁面110包含購物者名稱111、購物項目112、購物金額113及付款按鍵114。First, the user 90 needs to connect to the shopping website server 40 for shopping. Referring to FIG. 4, in accordance with an embodiment of the present invention, the shopping website server 40 provides a shopping page 110 for display on the display module 14, wherein the shopping page 110 includes a shopper name 111, a shopping item 112, a shopping amount 113, and a payment button. 114.
在使用者90確認購物商品後，即可按下付款按鍵114，由購物網站伺服器40透過網路100將購物者身分資訊及交易資訊傳送至伺服器30。依據本發明之一實施例，購物者身分資訊包含使用者90於購物網站伺服器40之使用者名稱，例如於本實施例中為購物者名稱111「ALBERT」；交易資訊則包含購物項目112及購物金額113，但本發明不以此為限。After the user 90 confirms the shopping item, the payment button 114 can be pressed, and the shopping website server 40 transmits the shopper identity information and the transaction information to the server 30 via the network 100. According to an embodiment of the present invention, the shopper identity information includes the user name of the user 90 on the shopping website server 40, for example, the shopper name 111 "ALBERT" in this embodiment; the transaction information includes the shopping item 112 and The shopping amount is 113, but the invention is not limited thereto.
接著進行步驟S2：接收購物者身分資訊及交易資訊Then proceed to step S2: receiving shopper identity information and transaction information
由伺服器30接收購物網站伺服器40所傳送之購物者身分資訊及交易資訊，並儲存於資料庫中。The shopper identity information and the transaction information transmitted by the shopping website server 40 are received by the server 30 and stored in the database.
接著進行步驟S3：傳送行動裝置識別資訊及身分辨識資訊Then proceed to step S3: transmitting mobile device identification information and identity identification information
接著行動裝置10藉由傳送模組11傳送行動裝置識別資訊及身分辨識資訊至伺服器30，藉以登入伺服器30。請參考圖5A，依據本發明之一實施例，使用者90於完成購物後，接著可啟動交易程式19，而顯示登入頁面120於顯示模組14。Then, the mobile device 10 transmits the mobile device identification information and the identity identification information to the server 30 through the transmission module 11 to log in to the server 30. Referring to FIG. 5A, in accordance with an embodiment of the present invention, the user 90 completes the purchase.After the event, the transaction program 19 can then be launched and the login page 120 displayed on the display module 14.
在使用者90輸入用戶名稱121後，即可按下登入按鍵122，由傳送模組11傳送行動裝置識別資訊及身分辨識資訊至伺服器30。依據本發明之一實施例，行動裝置10為一行動電話，而行動裝置識別資訊可為行動裝置10之用戶身份模塊(Subscriber Identity Module，SIM)號碼，但本發明不以此為限，例如亦可以是行動裝置10之國際移動設備辨識碼(International Mobile Equipment Identity，IMEI)或行動電話號碼。而身分辨識資訊為使用者90於伺服器30之使用者名稱，例如於本實施例中為用戶名稱121「ANDY」。After the user 90 inputs the user name 121, the login button 122 can be pressed, and the mobile device identification information and the identity identification information are transmitted to the server 30 by the transmission module 11. According to an embodiment of the present invention, the mobile device 10 is a mobile phone, and the mobile device identification information may be a Subscriber Identity Module (SIM) number of the mobile device 10. However, the present invention is not limited thereto, for example, It may be an International Mobile Equipment Identity (IMEI) or a mobile phone number of the mobile device 10. The identity identification information is the user name of the user 90 on the server 30, for example, the user name 121 "ANDY" in this embodiment.
接著進行步驟S4：接收行動裝置識別資訊及身分辨識資訊，並進行驗證Then proceeding to step S4: receiving the mobile device identification information and the identity identification information, and performing verification
由伺服器30接收行動裝置10所傳送之行動裝置識別資訊及身分辨識資訊，並驗證行動裝置識別資訊及身分辨識資訊是否相符。於確認行動裝置識別資訊及身分辨識資訊相符後，讓行動裝置10登入伺服器30。伺服器30中必需先存有行動裝置識別資訊及身分辨識資訊的對應資訊，這些資訊可以在使用者初次安裝交易程式19後，傳送至伺服器30中儲存，之後使用者使用行動裝置10登入至伺服器30時即可用來驗證使用者之身分。The mobile device identification information and the identity identification information transmitted by the mobile device 10 are received by the server 30, and it is verified whether the mobile device identification information and the identity identification information match. After confirming that the mobile device identification information and the identity identification information match, the mobile device 10 is caused to log in to the server 30. The server 30 must first store the corresponding information of the mobile device identification information and the identity identification information. After the user first installs the transaction program 19, the information is transmitted to the server 30 for storage, and then the user logs in to the server using the mobile device 10. The server 30 can be used to verify the identity of the user.
接著進行步驟S5：根據購物者身分資訊、行動裝置識別資訊、身分辨識資訊取得交易資訊Then proceed to step S5: obtaining transaction information according to the shopper identity information, the mobile device identification information, and the identity identification information.
接著由伺服器30比對購物者身分資訊、行動裝置識別資訊及身分辨識資訊後，取得對應於行動裝置10之交易資訊。例如於本實施例中，伺服器30取得之前儲存於資料庫中的購物項目112及購物金額113。Then, the server 30 compares the shopper identity information, the mobile device identification information, and the identity identification information, and obtains the transaction capital corresponding to the mobile device 10.News. For example, in the present embodiment, the server 30 obtains the shopping item 112 and the shopping amount 113 previously stored in the database.
接著進行步驟S6：傳送交易資訊Then proceed to step S6: transmitting transaction information
接著由伺服器30將交易資訊傳送至行動裝置10。The transaction information is then transmitted by the server 30 to the mobile device 10.
接著進行步驟S7：接收交易資訊Then proceed to step S7: receiving transaction information
行動裝置10藉由接收模組12接收伺服器30所傳送之交易資訊，並顯示於顯示模組14。請參考圖5B，依據本發明之一實施例，行動裝置10接收交易資訊後顯示一交易資訊頁面130於顯示模組14，其中交易資訊頁面130包含購物項目131、購物金額132及確認按鍵133。The mobile device 10 receives the transaction information transmitted by the server 30 through the receiving module 12 and displays it on the display module 14. Referring to FIG. 5B, in accordance with an embodiment of the present invention, the mobile device 10 displays a transaction information page 130 on the display module 14 after receiving the transaction information. The transaction information page 130 includes a shopping item 131, a shopping amount 132, and a confirmation button 133.
接著進行步驟S8：傳送確認交易資訊之指令Then proceed to step S8: transmitting an instruction to confirm the transaction information
接著，使用者可按下確認按鍵133，以藉由傳送模組11傳送確認交易資訊之指令至伺服器30。Then, the user can press the confirmation button 133 to transmit an instruction to confirm the transaction information to the server 30 by the transmission module 11.
接著進行步驟S9：接收確認交易資訊之指令Then proceed to step S9: receiving an instruction to confirm the transaction information
由伺服器30接收行動裝置10所傳送之確認交易資訊之指令。The server 30 receives an instruction to confirm the transaction information transmitted by the mobile device 10.
接著進行步驟S10：傳送交易資訊Then proceed to step S10: transmitting transaction information
由伺服器30將交易資訊傳送至信用卡公司伺服器50。The transaction information is transmitted by the server 30 to the credit card company server 50.
接著進行步驟S11：接收交易資訊Then proceed to step S11: receiving transaction information
信用卡公司伺服器50接收伺服器30所傳送之交易資訊。The credit card company server 50 receives the transaction information transmitted by the server 30.
接著進行步驟S12：傳送交易金鑰Then proceeding to step S12: transmitting the transaction key
信用卡公司伺服器50接收交易資訊後，根據交易資訊產生交易金鑰，並傳送至伺服器30。After receiving the transaction information, the credit card company server 50 generates a transaction key based on the transaction information and transmits it to the server 30.
接著進行步驟S13：接收交易金鑰Then proceed to step S13: receiving the transaction key
由伺服器30接收信用卡公司伺服器50所傳送之交易金鑰。The transaction key transmitted by the credit card company server 50 is received by the server 30.
接著進行步驟S14：傳送交易金鑰Then proceed to step S14: transmitting the transaction key
由伺服器30將交易金鑰傳送至行動裝置10。The transaction key is transmitted by the server 30 to the mobile device 10.
接著進行步驟S15：接收交易金鑰Then proceed to step S15: receiving the transaction key
由行動裝置10藉由接收模組12接收伺服器30所傳送之交易金鑰。The transaction key transmitted by the server 30 is received by the mobile device 10 via the receiving module 12.
接著進行步驟S16：顯示提示訊息Then proceed to step S16: displaying a prompt message
由行動裝置10顯示提示訊息，以提示使用者將交易裝置20接觸或接近行動裝置10。請參考圖5C，依據本發明之一實施例，行動裝置10顯示一交易提示頁面140於顯示模組14，其中交易提示頁面140包含提示訊息141。A prompt message is displayed by the mobile device 10 to prompt the user to contact or approach the transaction device 20 to the mobile device 10. Referring to FIG. 5C, in accordance with an embodiment of the present invention, the mobile device 10 displays a transaction prompt page 140 on the display module 14, wherein the transaction prompt page 140 includes a prompt message 141.
接著進行步驟S17：偵測交易裝置接近或接觸之感應動作，以取得交易裝置識別資訊Then proceeding to step S17: detecting the sensing action of the transaction device approaching or contacting to obtain the transaction device identification information
由儲存有交易裝置識別資訊之交易裝置20接觸或接近行動裝置10，行動裝置10之通訊模組13偵測到此感應動作後，兩者間即可建立連結，由通訊模組13自交易裝置20中取得交易裝置識別資訊。The transaction device 20 storing the transaction device identification information contacts or approaches the mobile device 10. After detecting the sensing action, the communication module 13 of the mobile device 10 can establish a connection between the two, and the communication module 13 is self-transaction device. In 20, the transaction device identification information is obtained.
依據本發明之一實施例，交易裝置識別資訊係為交易裝置20之電子憑證，用以識別交易裝置20。舉例來說，若交易裝置20為一信用卡，則交易裝置識別資訊可以由信用卡號、身份證號、護照證號等可確認使用者90身分之資訊組成。In accordance with an embodiment of the present invention, the transaction device identification information is an electronic voucher for the transaction device 20 for identifying the transaction device 20. For example, if the transaction device 20 is a credit card, the transaction device identification information may be composed of information such as a credit card number, an ID number, a passport number, and the like that can confirm the identity of the user 90.
接著進行步驟S18：傳送交易裝置識別資訊Then proceeding to step S18: transmitting the transaction device identification information
行動裝置10藉由傳送模組11，傳送交易裝置識別資訊至伺服器30。The mobile device 10 transmits the transaction device identification information to the server 30 via the transmission module 11.
接著進行步驟S19：接收交易裝置識別資訊Then proceeding to step S19: receiving the transaction device identification information
由伺服器30接收行動裝置10所傳送之交易裝置識別資訊。The transaction device identification information transmitted by the mobile device 10 is received by the server 30.
接著進行步驟S20：傳送交易裝置識別資訊Then proceeding to step S20: transmitting the transaction device identification information
由伺服器30將交易裝置識別資訊傳送至信用卡公司伺服器50。The transaction device identification information is transmitted by the server 30 to the credit card company server 50.
接著進行步驟S21：接收交易裝置識別資訊Then proceeding to step S21: receiving the transaction device identification information
由信用卡公司伺服器50接收伺服器30傳送之交易裝置識別資訊。The transaction device identification information transmitted by the server 30 is received by the credit card company server 50.
接著進行步驟S22：根據交易裝置識別資訊進行扣款Then proceeding to step S22: debiting according to the transaction device identification information
信用卡公司伺服器50接收交易裝置識別資訊後，進行認證，並根據交易裝置識別資訊完成扣款等動作。After receiving the transaction device identification information, the credit card company server 50 performs authentication and completes the action such as deduction according to the transaction device identification information.
接著進行步驟S23：傳送授權結果Then proceed to step S23: transmitting the authorization result
完成扣款後，產生一授權結果並傳送至伺服器30。Upon completion of the deduction, an authorization result is generated and transmitted to the server 30.
接著進行步驟S24：接收授權結果Then proceed to step S24: receiving the authorization result
伺服器30接收信用卡公司伺服器50所傳送之授權結果。The server 30 receives the authorization result transmitted by the credit card company server 50.
接著進行步驟S25：傳送授權結果及交易記錄Then proceed to step S25: transmitting the authorization result and the transaction record
由伺服器30產生交易記錄，並連同授權結果傳送至行動裝置10。The transaction record is generated by the server 30 and transmitted to the mobile device 10 along with the authorization result.
接著進行步驟S26：接收授權結果及交易記錄Then proceed to step S26: receiving the authorization result and the transaction record
行動裝置10藉由接收模組12接收伺服器30所傳送之授權結果及交易記錄。The mobile device 10 receives the authorization result and the transaction record transmitted by the server 30 by the receiving module 12.
接著進行步驟S27：顯示授權結果及交易記錄Then proceed to step S27: displaying the authorization result and the transaction record
最後，顯示授權結果及交易記錄於顯示模組14。請參考圖5D，依據本發明之一實施例，行動裝置10接收交易記錄後顯示一交易記錄頁面150於顯示模組14，其中交易資訊頁面130包含交易記錄151。Finally, the authorization result and the transaction record are displayed on the display module 14. Referring to FIG. 5D, in accordance with an embodiment of the present invention, the mobile device 10 displays a transaction record page 150 on the display module 14 after receiving the transaction record, wherein the transaction information page 130 includes the transaction record 151.
此處需注意的是，本發明之交易方法並不以上述之步驟次序為限，只要能達成本發明之目的，上述之步驟次序亦可加以改變。It is to be noted that the transaction method of the present invention is not limited to the above-described order of steps, and the order of the above steps may be changed as long as the object of the present invention can be achieved.
綜上所陳，本發明無論就目的、手段及功效，在在均顯示其迥異於習知技術之特徵，懇請 貴審查委員明察，早日賜准專利，俾嘉惠社會，實感德便。惟應注意的是，上述諸多實施例僅係為了便於說明而舉例而已，本發明所主張之權利範圍自應以申請專利範圍所述為準，而非僅限於上述實施例。To sum up, the present invention, regardless of its purpose, means and efficacy, shows its distinctive features of the prior art. You are requested to review the examination and express the patent as soon as possible. It should be noted that the various embodiments described above are merely illustrative for ease of explanation, and the scope of the invention is intended to be limited by the scope of the claims.
10‧‧‧行動裝置10‧‧‧Mobile devices
11‧‧‧傳送模組11‧‧‧Transmission module
12‧‧‧接收模組12‧‧‧ receiving module
13‧‧‧通訊模組13‧‧‧Communication module
14‧‧‧顯示模組14‧‧‧Display module
17‧‧‧處理器17‧‧‧Processor
18‧‧‧記憶體18‧‧‧ memory
19‧‧‧交易程式19‧‧‧Transaction program
20‧‧‧交易裝置20‧‧‧ trading device
30‧‧‧伺服器30‧‧‧Server
40‧‧‧購物網站伺服器40‧‧‧ shopping website server
50‧‧‧信用卡公司伺服器50‧‧‧ Credit card company server
90‧‧‧使用者90‧‧‧Users
100‧‧‧網路100‧‧‧Network
110‧‧‧購物頁面110‧‧‧Shopping page
111‧‧‧購物者名稱111‧‧‧Shopper name
112‧‧‧購物項目112‧‧‧Shopping items
113‧‧‧購物金額113‧‧‧Shopping amount
114‧‧‧付款按鍵114‧‧‧ payment button
120‧‧‧登入頁面120‧‧‧ Login page
121‧‧‧用戶名稱121‧‧‧User Name
122‧‧‧登入按鍵122‧‧‧ Login button
130‧‧‧交易資訊頁面130‧‧‧Transaction Information Page
131‧‧‧購物項目131‧‧‧Shopping items
132‧‧‧購物金額132‧‧‧Shopping amount
133‧‧‧確認按鍵133‧‧‧ Confirmation button
140‧‧‧交易提示頁面140‧‧‧Transaction Tips Page
141‧‧‧提示訊息141‧‧‧ reminder message
150‧‧‧交易記錄頁面150‧‧‧Transaction history page
151‧‧‧交易記錄151‧‧‧Transaction records
圖1係依據本發明之一實施例之交易方法之使用環境示意圖。1 is a schematic diagram of a usage environment of a transaction method according to an embodiment of the present invention.
圖2係依據本發明之一實施例之行動裝置之系統架構圖。2 is a system architecture diagram of a mobile device in accordance with an embodiment of the present invention.
圖3係依據本發明之一實施例之交易方法之步驟流程圖。3 is a flow chart showing the steps of a transaction method in accordance with an embodiment of the present invention.
圖4係依據本發明之一實施例之購物頁面之示意圖。4 is a schematic illustration of a shopping page in accordance with an embodiment of the present invention.
圖5A、圖5B、圖5C及圖5D依據本發明之一實施例之交易過程之示意圖。5A, 5B, 5C, and 5D are schematic diagrams of a transaction process in accordance with an embodiment of the present invention.
10‧‧‧行動裝置10‧‧‧Mobile devices
11‧‧‧傳送模組11‧‧‧Transmission module
12‧‧‧接收模組12‧‧‧ receiving module
13‧‧‧通訊模組13‧‧‧Communication module
14‧‧‧顯示模組14‧‧‧Display module
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW101123060ATW201401199A (en) | 2012-06-27 | 2012-06-27 | Trading method and mobile device performing the trading method |
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW101123060ATW201401199A (en) | 2012-06-27 | 2012-06-27 | Trading method and mobile device performing the trading method |
| Publication Number | Publication Date |
|---|---|
| TW201401199Atrue TW201401199A (en) | 2014-01-01 |
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| TW101123060ATW201401199A (en) | 2012-06-27 | 2012-06-27 | Trading method and mobile device performing the trading method |
| Country | Link |
|---|---|
| TW (1) | TW201401199A (en) |
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI632514B (en)* | 2015-04-08 | 2018-08-11 | 財團法人工業技術研究院 | Digital transaction method,user device,service provider device and digital transaction management server system |
| TWI684883B (en)* | 2017-08-07 | 2020-02-11 | 奧地利商思科數據有限公司 | Method for preventing abuse of electronic access authority |
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI632514B (en)* | 2015-04-08 | 2018-08-11 | 財團法人工業技術研究院 | Digital transaction method,user device,service provider device and digital transaction management server system |
| TWI684883B (en)* | 2017-08-07 | 2020-02-11 | 奧地利商思科數據有限公司 | Method for preventing abuse of electronic access authority |
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