Buyer-side contactless payment system

Abstract

To provide a buyer-side contactless payment system that enables contactless payment using an electronic device on the buyer's (consumer's) side. [Solution] The buyer-side contactless payment system 200 of the present invention comprises a receiving system 210, a buyer-side device 220, and a contactless payment tool 230. The receiving system issues a payment request for a transaction between a seller and a buyer. The buyer-side device includes at least a contactless module 221, a display module 222, and a card reader app. The buyer-side device receives a payment request 211 from the receiving system, executes the card reader app based on the payment request, displays a payment interface on the display module, and activates the contactless module, which detects the contactless payment tool and performs contactless payment. The payment request includes the consumption amount or prepayment amount.

Description

[Technical Field]

[0001] The present invention relates to a payment system, and more particularly to a contactless payment system. [Background technology]

[0002] Among the non-cash payment methods, card payments such as credit cards and debit cards are currently one of the most common payment methods. In addition, card payments can be combined with contactless functionality, making it easier to make contactless payments (or tap to pay) with cards. Additionally, contactless functionality can be combined with mobile devices, such as mobile phones, to allow consumers to make contactless payments using their mobile phones.

[0003] Contactless payment is a payment method that uses wireless communication technology, allowing consumers to quickly complete a transaction by holding their card or mobile device close to a contactless terminal in a store. Summary of the Invention [Problem to be solved by the invention]

[0004] The purpose of the present invention is to provide a customer-side contactless payment system, which allows a customer (consumer) to make contactless payments using their own electronic device. [Means for solving the problem]

[0005] To achieve the above object, the buyer-side contactless payment system of the present invention comprises a receiving system, a buyer-side device (or terminal), and a contactless payment tool. The receiving system issues a payment request based on the transaction between the seller and the buyer; the buyer device connects to the receiving system, and the buyer device includes at least a contactless module, a display module, and a card reader app. In addition, the purchaser's device receives a payment request from the receiving system, executes a card reader application based on the payment request, displays a payment interface on the display module, and activates the contactless module, which detects the contactless payment tool and performs the contactless payment operation. The bill includes the amount consumed or the amount prepaid.

[0006] In one embodiment, the contactless payment tool includes a credit card, a debit card, a cash card, or a mobile phone.

[0007] In one embodiment, the buyer device is a mobile phone, tablet, laptop, desktop computer, or handheld device.

[0008] In one embodiment, the contactless module is an NFC module, an RF module, a BT module, a Wi-Fi module, or a communication module.

[0009] In one embodiment, the payment interface includes a field for displaying a payment amount and / or a field for inputting a payment amount.

[0010] In one embodiment, the receiving system provides a website and the buyer device consumes through the website before issuing a bill from the receiving system.

[0011] In one embodiment, the receiving system includes at least one merchant device (or terminal).

[0012] As described above, in the buyer-side contactless payment system of the present invention, the buyer-side device can download and install a card reader app. When the buyer-side device receives a payment request from the receiving system, it executes the card reader app based on the payment request, displays the payment interface, and activates the contactless module. At this time, the contactless module can detect the contactless payment tool and perform contactless payment operations. With the above design, this invention can use the buyer's device to make contactless payments, so the merchant does not need to provide a card reader, or if the buyer is concerned about personal information protection, they can make contactless payments using their own mobile device. [Effects of the Invention]

[0013] This device allows contactless payments to be made using the buyer's device, so the seller does not need to provide a card reader, or if the buyer is concerned about protecting their personal information, they can make contactless payments using their own mobile device. [Brief explanation of the drawings]

[0014] [Figure 1] 1 is a flow chart of a customer-side contactless payment method according to an embodiment of the present invention; [Figure 2] 1 is a diagram showing a buyer-side contactless payment system according to an embodiment of the present invention; [Figure 3A] FIG. 2 illustrates a payment interface according to the present embodiment. [Figure 3B] FIG. 2 illustrates a payment interface according to the present embodiment. [Figure 3C] FIG. 2 illustrates a payment interface according to the present embodiment. [Figure 4] 1A to 1C are diagrams illustrating different examples of contactless payment according to the present invention. [Figure 5] 1A to 1C are diagrams illustrating different examples of contactless payment according to the present invention. DETAILED DESCRIPTION OF THE INVENTION

[0015] A preferred embodiment of the buyer-side contactless payment system according to the present invention will be described below with reference to the accompanying drawings. The same elements are denoted by the same reference numerals.

[0016] FIG. 1 is a flow diagram of a buyer-side contactless payment method 100 according to an embodiment of the present invention.

[0017] As shown in FIG. 1, the buyer-side contactless payment method 100 of this embodiment includes the following steps: the buyer-side device downloads and installs a card reader app (step S01); the buyer-side device receives a payment request from the receiving system (step S02); the buyer-side device executes the card reader app based on the payment request, displays a payment interface, and activates a contactless module (step S03); the contactless module detects a contactless payment tool and performs a contactless payment operation (step S04).

[0018] It should be noted that the customer-side contactless payment method 100 of this embodiment is applied to a customer-side contactless payment system 200 (shown in FIG. 2). The buyer-side contactless payment system 200 includes a receiving system 210, a buyer-side device 220, and a contactless payment tool 230.

[0019] In this embodiment, the receiving system 210 includes at least one merchant device, which may be, for example, a merchant (or store) terminal device, and the receiving system 210 issues a payment request 211 based on the transaction between the merchant and the buyer. Furthermore, examples of sellers include, but are not limited to, sole proprietorships, brick-and-mortar stores, and online shops. Generally, when a seller and a buyer complete a transaction, the seller issues a bill 211 based on the buyer's consumption or prepayment amount, and the bill 211 usually includes information on the consumption amount or prepayment amount. For example, the payment request 211 is displayed on the receiving system 210 (for example, the seller's terminal device) in the form of a two-dimensional barcode, which is read by the buyer device 220 to obtain the payment request 211 . In addition, the payment request 211 is transmitted, for example, in the form of an electronic signal from the receiving system 210 (e.g., the seller's terminal device, cloud server, etc.) to the buyer's device 220 via a wired or wireless transmission method, so that the buyer's device 220 can obtain the electronic signal of the payment request 211.

[0020] The purchaser device 220 includes, for example, a contactless module 221 and a display module 222 . Additionally, the buyer device 220 may be, for example, but not limited to, a mobile phone, a tablet, a laptop, a desktop computer, or a handheld device.

[0021] In this embodiment, the contactless module 221 is, for example, but not limited to, an NFC module, an RF module, a BT module, a Wi-Fi module, or a communication module (for example, a LAN). The display module 222 also displays a payment interface, which may be, but is not limited to, a contactless payment presentation (as shown in FIG. 3A), a payment amount display field (as shown in FIG. 3B), a payment amount input field (as shown in FIG. 3C), or a combination thereof.

[0022] The contactless payment tool 230 also includes, for example, a sensor chip or a device with sensor chip functionality. By way of example, contactless payment tool 230 may include, but is not limited to, a credit card, a debit card, a cash card, or a mobile phone.

[0023] The following are examples of practical applications of the customer-side contactless payment method 100 in accordance with the embodiment of the present invention in conjunction with the customer-side contactless payment system 200 in several different situations.

[0024] As shown in Figure 4, after the purchaser consumes at the seller (e.g., a physical store), the seller can operate a terminal device to make payment, so that a two-dimensional barcode (payment request 211) is displayed on the receiving system 210 (e.g., the screen of the seller's device), and then the purchaser uses the buyer's device 220 (e.g., a mobile phone) to align the lens of the buyer's device 220 with the two-dimensional barcode and read it, and through this reading operation, the buyer's device 220 can obtain the payment request 211 and execute a card reader app based on the payment request 211. At this time, the display module 222 of the buyer's device 220 can display a payment interface (as shown in FIG. 3A), and the contactless module of the buyer's device 220 is enabled. Finally, the purchaser brings the contactless payment tool 230 (for example, a credit card) close to the purchaser-side device 220 and performs a contactless payment operation.

[0025] As shown in FIG. 5, the purchaser operates a purchaser device 220 (for example, a mobile phone or a computer) and consumes goods at the online shop of the seller (receiving system 210) via the Internet 300. The receiving system 210 also includes at least one seller device, such as a network server, which launches a website (e.g., an online shopping website) so that the buyer can operate a mobile phone (i.e., the buyer device 220) to log in to the online shopping website and purchase goods or services. After the purchaser confirms the purchase in the online shopping cart, the receiving system 210 sends a payment request 211 to the purchaser device 220 via the Internet 300 . The buyer device 220 can then execute the card reader app based on the billing request 211 . At this time, the display module 222 of the buyer's device 220 can display a payment interface (as shown in FIG. 3A), and the contactless module 221 of the buyer's device 220 can be activated. Finally, the purchaser brings the contactless payment tool 230 (for example, a credit card) close to the purchaser-side device 220 and performs a contactless payment operation.

[0026] To summarize, in the buyer-side contactless payment system of the present invention, the buyer-side device can download and install a card reader app. When the buyer-side device receives a payment request from the receiving system, it executes the card reader app based on the payment request, displays the payment interface, and activates the contactless module. At this time, the contactless module detects the contactless payment tool and performs the contactless payment operation. With the above design, this invention can use the buyer's device to make contactless payments, so the merchant does not need to provide a card reader, or if the buyer is concerned about personal information protection, they can make contactless payments using their own mobile device.

[0027] The foregoing is by way of example and not limitation. Any modifications or changes thereto that do not depart from the scope of the claims of the present invention are within the scope of the utility model registration claims. [Industrial Applicability]

[0028] The present invention provides a method and system for contactless payment at the customer's side, which allows contactless payment to be made using a customer's electronic device. [Explanation of symbols]

[0029] 100 Buyer-side contactless payment methods 200 Buyer-side contactless payment system 210 Receiving System 211 Payment Request 220 Purchaser's Device 221 Contactless Module 222 Display Module 230 Contactless payment tools 300 Internet S01~S04 steps

Claims

1. a receiving system that issues payment requests for transactions between the seller and the buyer; A buyer's device is connected to the receiving system and includes at least a contactless module, a display module, and a card reader application; A contactless payment tool, the buyer-side device receives the payment request from the receiving-side system, executes the card reader app based on the payment request, causes the display module to display a payment interface, and activates the contactless module, which detects the contactless payment tool and performs a contactless payment operation; The payment request includes a consumption amount or a prepayment amount. Buyer-side contactless payment system.

2. The contactless payment tool includes a credit card, a debit card, a cash card, or a mobile phone. The buyer-side contactless payment system of claim 1 .

3. The buyer device is a mobile phone, tablet, laptop, desktop computer, or handheld device. The buyer-side contactless payment system of claim 1 .

4. The non-contact module is an NFC module, an RF module, a BT module, a Wi-Fi module, or a communication module. The buyer-side contactless payment system of claim 1 .

5. The payment interface includes a payment amount display field and / or a payment amount input field. The buyer-side contactless payment system of claim 1 .

6. The receiving system provides a website, and the purchaser device issues the payment request from the receiving system after consumption through the website. The buyer-side contactless payment system of claim 1 .

7. The receiving system includes at least one seller device. The buyer-side contactless payment system of claim 1 .

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