TWI656489B - One-button authentication payment method - Google Patents

一種一鍵認證支付方法，係可內嵌應用於線上商店支付、ATM無卡提款等支付使用，當於ATM提款或線上款項需支付時啟動一鍵認證支付機制進行一鍵支付功能，系統將即時發送支付確認至使用者認證過之手機應用軟體，使用者僅需透過手機應用軟體進行一鍵確認支付款項並輸入驗證密碼即完成支付轉帳動作。藉此，本發明建構一簡易認證方式，可有效簡化支付流程，使支付過程快速簡單明瞭，即便是平時無接觸數位產品之人員亦能易於理解整體流程。 A one-key authentication payment method, which can be embedded and applied to online store payment, ATM card-free withdrawal, etc., when a ATM withdrawal or online payment is required, a one-click authentication payment mechanism is activated to perform a one-click payment function, and the system The instant payment payment confirmation is sent to the user-approved mobile application software, and the user only needs to confirm the payment by the mobile phone application software and input the verification password to complete the payment transfer operation. Thereby, the invention constructs a simple authentication method, which can simplify the payment process, make the payment process fast and simple, and even the person who normally does not touch the digital product can easily understand the overall process.

一鍵認證支付方法 One-button authentication payment method

本發明係有關於一種一鍵認證支付方法，尤指涉及一種簡易認證方式，特別係指將傳統在ATM上認證之方式改成在行動裝置(如手機)認證者。 The invention relates to a one-key authentication payment method, in particular to a simple authentication method, in particular to changing the traditional authentication method on the ATM to a mobile device (such as a mobile phone) authenticator.

目前金融業者提供之一ATM提款機之身分識別技術，大多透過輸入數位之專用密碼之方式，當使用者(即持卡人)輸入正確之專用密碼後，該ATM提款機則允許使用者進行下一步操作，以此方式，相當容易被不法份子秘密安裝一微型攝影機，以竊取使用者之專用密碼，因此現有技術中確實存在有安全性不足之問題。再者，現有技術所使用之提款卡，對使用者而言並不方便攜帶、使用且容易遺失，而且一但使用者之提款卡、專用密碼皆遺失或遭竊之後，必須即時挽救處理，確實相當不方便，也不具安全性，因此，就上述現有技術中仍然需要插卡後才能提款之模式，讓使用者仍有缺乏安全性、不方便之問題而言，確實有待提出更佳解決方案之必要性。 At present, the financial industry provides one of the identity recognition technologies of the ATM, most of which allows the user to enter the correct password after the user (ie the cardholder) enters the correct password by entering the digital password. The next step is performed. In this way, it is quite easy for a fraudulent person to secretly install a micro camera to steal the user's private password. Therefore, there is a problem of insufficient security in the prior art. Moreover, the ATM card used in the prior art is not convenient for the user to carry, use and is easy to lose, and once the user's ATM card and the special password are lost or stolen, they must be immediately rescued. It is indeed quite inconvenient and not safe. Therefore, in the above-mentioned prior art, the mode of withdrawing the card after the card is still needed, so that the user still has the problem of lack of security and inconvenience, it is indeed better to propose. The need for a solution.

近年來，隨著金融科技之普及與蓬勃發展，各種金融應用便如雨後春筍般出現，其中又以數位支付及無卡提款最受關注。如中華民國專利第M460347號揭示一種授信提款系統，其係通過於行動裝置中儲存銀行發給的授信憑證，以驗證使用者身分，然而，為了考量安全性，現有技術與前案中所使用之支付流程複雜，絕大部分需透過二維條碼 (QR Code)或多項資訊反覆認證，不僅支付過程冗長繁雜，對平時無接觸數位產品之人員更不易理解整體流程。 In recent years, with the popularization and vigorous development of financial technology, various financial applications have sprung up, among which digital payment and no card withdrawal have attracted the most attention. For example, the Republic of China Patent No. M460347 discloses a credit withdrawal system for storing a credit certificate issued by a bank in a mobile device to verify the identity of the user. However, in order to consider security, the prior art and the former use are used. The payment process is complicated, and most of them need to pass the 2D barcode. (QR Code) or multiple information re-certification, not only the payment process is cumbersome, but also makes it difficult for people who normally do not touch digital products to understand the overall process.

因此，為改善上述之缺失，本案之發明人特潛心研究，開發出一種「一鍵認證支付方法」，以有效改善習用之缺點。 Therefore, in order to improve the above-mentioned shortcomings, the inventors of this case have devoted themselves to research and developed a "one-button authentication payment method" to effectively improve the disadvantages of the conventional use.

本發明之主要目的係在於，克服習知技藝所遭遇之上述問題並提供一種可內嵌應用於線上商店支付、ATM無卡提款等支付使用，當於ATM提款或線上款項需支付時啟動一鍵認證支付機制進行一鍵支付功能，系統將即時發送支付確認至使用者認證過之手機應用軟體，使用者僅需透過手機應用軟體進行一鍵確認支付款項並輸入驗證密碼即完成支付轉帳動作之一鍵認證支付方法。 The main object of the present invention is to overcome the above problems encountered in the prior art and to provide a payment application that can be embedded in online store payment, ATM cardless withdrawal, etc., when the ATM withdrawal or online payment is required to be paid. The one-click authentication payment mechanism performs the one-click payment function, and the system will immediately send the payment confirmation to the user-approved mobile phone application software. The user only needs to confirm the payment by the mobile phone application software and input the verification password to complete the payment transfer operation. One key authentication payment method.

本發明之次要目的係在於，提供一種將傳統在ATM上認證之方式改成在行動裝置(如手機)認證，如此ATM上就可以進行提款或任何ATM之操作，而此一鍵認證支付方法亦可適用在線上購物，可有效簡化支付流程，使支付過程快速簡單明瞭，即便是平時無接觸數位產品之人員亦能易於理解整體流程之種一鍵認證支付方法。 A secondary object of the present invention is to provide a method for authenticating a conventional ATM authentication to a mobile device (e.g., mobile phone) authentication, so that ATM can perform withdrawal or any ATM operation, and the one-key authentication payment The method can also be applied to online shopping, which can simplify the payment process, make the payment process fast and simple, and even the person who normally does not touch the digital product can easily understand the one-button authentication payment method of the whole process.

為達以上之目的，本發明係一種一鍵認證支付方法，其至少包含下列步驟：步驟一：使用者於一支付裝置上輸入至少一以上使用者識別資訊及一支付金額；步驟二：該支付裝置傳送該使用者識別資訊及該支付金額至一金融伺服模組；步驟三：該金融伺服模組根據該使用者識別資訊及該支付金額即時發送一支付確認至安裝於使用者行動裝置且經認證過之網路銀行軟體；以及步驟四：使用者僅需透過該網路銀行軟體於行動裝置上一鍵確認輸入驗證密碼並將其傳送至該金融伺服模組，該金融伺服模組取得支付確認後即於使用者之帳戶扣除該支 付金額，並發送一已於帳戶扣款之確認訊息至該支付裝置，令該支付裝置完成支付動作。 For the purpose of the above, the present invention is a one-key authentication payment method, which includes at least the following steps: Step 1: The user inputs at least one user identification information and a payment amount on a payment device; Step 2: The payment The device transmits the user identification information and the payment amount to a financial servo module. Step 3: The financial servo module immediately sends a payment confirmation to the user mobile device according to the user identification information and the payment amount. The authenticated online banking software; and step 4: the user only needs to confirm the input verification password and transmit it to the financial servo module through the online banking software on the mobile device, and the financial servo module obtains the payment. After deciding, the user's account is deducted from the account. Pay the amount and send a confirmation message that the account has been debited to the payment device, so that the payment device completes the payment action.

於本發明上述實施例中，該支付裝置係為一自動櫃員機(Automated Teller Machine,ATM)，以作為無卡提款之金融交易。 In the above embodiment of the present invention, the payment device is an Automated Teller Machine (ATM) as a financial transaction without card withdrawal.

於本發明上述實施例中，該支付裝置係為設置於線上商店之電腦終端機，以進行信用帳款交易。 In the above embodiment of the present invention, the payment device is a computer terminal installed in an online store for credit account transactions.

於本發明上述實施例中，該網路銀行軟體係為申請綁定金融卡/信用卡及進行身分認證功能之手機應用軟體。 In the above embodiment of the present invention, the online banking soft system is a mobile application software that applies for binding a financial card/credit card and performing an identity authentication function.

於本發明上述實施例中，該行動裝置可為手機、平板電腦、筆記型電腦、PDA或其他可上網裝置。 In the above embodiment of the present invention, the mobile device can be a mobile phone, a tablet computer, a notebook computer, a PDA or other internet enabled device.

於本發明上述實施例中，該使用者於該支付裝置上輸入該使用者識別資訊後，更包括於該支付裝置上選擇所欲進行之支付類型，然後再輸入該支付金額。 In the above embodiment of the present invention, after the user inputs the user identification information on the payment device, the user further selects a payment type to be performed on the payment device, and then inputs the payment amount.

於本發明上述實施例中，該支付類型可為提款、轉帳、或繳費任一者。於本發明上述實施例中，當該支付類型選擇為轉帳或繳費時，更包括輸入至少一以上支付交易資訊。 In the above embodiment of the present invention, the payment type may be any one of withdrawal, transfer, or payment. In the above embodiment of the present invention, when the payment type is selected as a transfer or payment, at least one or more payment transaction information is input.

10‧‧‧支付裝置 10‧‧‧Payment device

11‧‧‧使用者識別資訊 11‧‧‧User identification information

12‧‧‧提款金額 12‧‧‧ withdrawal amount

13‧‧‧一鍵支付功能 13‧‧‧One button payment function

20‧‧‧金融伺服模組 20‧‧‧Financial Servo Module

21‧‧‧認證系統 21‧‧‧Certification system

30‧‧‧行動裝置 30‧‧‧Mobile devices

31‧‧‧網路銀行軟體 31‧‧‧Internet banking software

32‧‧‧顯示螢幕 32‧‧‧ Display screen

s101~1014‧‧‧步驟 S101~1014‧‧‧Steps

第1圖，係本發明之一鍵認證支付流程示意圖。 Figure 1 is a schematic diagram of a key authentication payment process of the present invention.

第2圖，係本發明一實施例之一鍵認證支付運作流程示意圖。 FIG. 2 is a schematic diagram showing the operation flow of a key authentication payment according to an embodiment of the present invention.

第3圖，係本發明另一實施例之一鍵認證支付運作流程示意圖。 FIG. 3 is a schematic diagram showing the operation flow of a key authentication payment according to another embodiment of the present invention.

請參閱『第1圖~第3圖』所示，係本發明之一鍵認證支付流程示意圖、本發明一實施例之一鍵認證支付運作流程示意圖、及本發明另一 實施例之一鍵認證支付運作流程示意圖。如圖所示：本發明係一種一鍵認證支付方法，其至少包含下列步驟：步驟s101：使用者於一支付裝置上輸入至少一以上使用者識別資訊(如名稱、e-mail、身分證號等)及一支付金額；步驟s102：該支付裝置傳送該使用者識別資訊及該支付金額至一金融伺服模組；步驟s103：該金融伺服模組根據該使用者識別資訊及該支付金額即時發送一支付確認至安裝於使用者行動裝置且經認證過之網路銀行軟體，其中該行動裝置可為手機、平板電腦、筆記型電腦、PDA或其他可上網裝置，且該網路銀行軟體係為申請綁定金融卡/信用卡及進行身分認證功能之手機應用軟體；以及步驟s104：使用者僅需透過該網路銀行軟體於行動裝置上一鍵確認輸入驗證密碼並將其傳送至該金融伺服模組，該金融伺服模組取得支付確認後即於使用者之帳戶扣除該支付金額，並發送一已於帳戶扣款之確認訊息至該支付裝置，令該支付裝置完成支付動作。如是，藉由上述揭露之流程構成一全新之一鍵認證支付方法。 Please refer to FIG. 1 to FIG. 3 , which is a schematic diagram of a key authentication payment process of the present invention, a schematic diagram of a key authentication payment operation flow according to an embodiment of the present invention, and another embodiment of the present invention. A schematic diagram of an operation flow of a key authentication payment in an embodiment. As shown in the figure, the present invention is a one-key authentication payment method, which includes at least the following steps: Step s101: A user inputs at least one or more user identification information (such as a name, an e-mail, an identity card number) on a payment device. And a payment amount; step s102: the payment device transmits the user identification information and the payment amount to a financial servo module; step s103: the financial servo module sends the user identification information and the payment amount immediately A payment confirmation to the authenticated online banking software installed on the user mobile device, wherein the mobile device can be a mobile phone, a tablet computer, a notebook computer, a PDA or other internet enabled device, and the online banking soft system is Applying for binding the financial card/credit card and the mobile phone application software for performing the identity authentication function; and step s104: the user only needs to confirm the input verification password and transmit it to the financial server mode by using the online banking software on the mobile device. After the payment is confirmed, the financial server module deducts the payment amount from the user's account and sends a debit to the account. A confirmation message is sent to the payment device to cause the payment device to complete the payment action. If so, a new one of the key authentication payment methods is constructed by the above disclosed process.

於一實施例中，如第2圖所示，上述所提支付裝置10係為一自動櫃員機(Automated Teller Machine,ATM)，可供選擇所欲進行之支付類型，包括提款、轉帳、或繳費等，本實施例以作為無卡提款之金融交易為例。當運用時，該支付裝置10透過內建之一鍵認證支付機制而進行一鍵支付功能，使用者於此支付裝置10上輸入至少一筆以上使用者識別資訊11(如身分證號或其他多個可供辨識身分之欄位資料等)及一提款金額12(如10,000元)，並將此等支付交易資訊及內容傳遞至遠端金融伺服模組20之認證系統21，進而觸發該金融 伺服模組20內建之一鍵認證支付機制，可即時發送此等支付交易資訊及內容至安裝於使用者行動裝置30且經認證過之網路銀行軟體31，由網路銀行軟體31讀取此等支付交易資訊及內容並顯示於該行動裝置30之顯示螢幕32上，使用者僅需透過網路銀行軟體31進行一鍵確認輸入驗證密碼並將其傳送至該金融伺服模組20，該金融伺服模組20在取得支付確認後即於使用者之帳戶扣除該筆提款金額，並發送一已於帳戶扣款之確認訊息至該支付裝置10，令該支付裝置10進行吐鈔，以完成提款動作。 In an embodiment, as shown in FIG. 2, the payment device 10 is an Automated Teller Machine (ATM), which can select the type of payment to be made, including withdrawal, transfer, or payment. Etc., this embodiment takes as an example a financial transaction without card withdrawal. When used, the payment device 10 performs a one-click payment function through a built-in one-key authentication payment mechanism, and the user inputs at least one or more user identification information 11 (such as an identity card number or other plurality) on the payment device 10. The identification of the identity data, etc.) and a withdrawal amount of 12 (such as 10,000 yuan), and the payment transaction information and content are transmitted to the authentication system 21 of the remote financial servo module 20, thereby triggering the financial The servo module 20 has a built-in key authentication payment mechanism, which can immediately send the payment transaction information and content to the authenticated online banking software 31 installed in the user mobile device 30, and is read by the online banking software 31. The payment transaction information and content are displayed on the display screen 32 of the mobile device 30, and the user only needs to perform a one-click confirmation through the online banking software 31 to input the verification password and transmit it to the financial servo module 20. After obtaining the payment confirmation, the financial server module 20 deducts the withdrawal amount from the account of the user, and sends a confirmation message of the account deduction to the payment device 10 to cause the payment device 10 to dispense the money. Complete the withdrawal action.

此外，使用者於支付裝置10上輸入使用者識別資訊11後，當選擇支付類型為轉帳或繳費時，更包括輸入至少一以上支付交易資訊(圖中未示)，例如提供使用者輸入一或多個支付交易相關需求之資料。於另一實施例中，如第3圖所示，上述所提支付裝置10係為設置於線上商店之電腦終端機，以進行信用帳款交易為例。當運用時，使用者可於線上商店消費支付時輸入所消費的商品名稱、數量及其總金額之交易明細資料，再選取一鍵支付功能13啟動內建之一鍵認證支付機制。接著同樣輸入至少一筆以上使用者識別資訊11(如身分證號等)，並將此等支付交易資訊及內容傳遞至遠端金融伺服模組20之認證系統21，進而觸發該金融伺服模組20內建之一鍵認證支付機制，即時發送此等支付交易資訊及內容至安裝於使用者行動裝置30且經認證過之網路銀行軟體31，由網路銀行軟體31讀取此等支付交易資訊及內容並顯示於該行動裝置30之顯示螢幕32上，使用者僅需透過網路銀行軟體31進行一鍵確認輸入驗證密碼並將其傳送至該金融伺服模組20，該金融伺服模組20在取得支付確認後即於 使用者之帳戶扣除該筆支付金額，並發送一已於帳戶扣款之確認訊息至該支付裝置10，令該支付裝置10顯示完成付款之通知。 In addition, after the user inputs the user identification information 11 on the payment device 10, when the payment type is selected as a transfer or payment, the user further includes inputting at least one payment transaction information (not shown), for example, providing the user input one or Information on multiple payment transaction related requirements. In another embodiment, as shown in FIG. 3, the above-mentioned payment device 10 is a computer terminal installed in an online store, for example, for performing a credit account transaction. When used, the user can input the transaction details of the name, quantity and total amount of the goods consumed when the online store consumes the payment, and then select the one-click payment function 13 to activate the built-in one-key authentication payment mechanism. Then, at least one or more user identification information 11 (such as an identity card number, etc.) is input, and the payment transaction information and content are transmitted to the authentication system 21 of the remote financial server module 20, thereby triggering the financial server module 20 A one-key authentication payment mechanism is built in, and the payment transaction information and content are immediately sent to the authenticated online banking software 31 installed in the user mobile device 30, and the online banking software 31 reads the payment transaction information. And the content is displayed on the display screen 32 of the mobile device 30. The user only needs to perform a one-key confirmation input password through the online banking software 31 and transmit the verification password to the financial servo module 20. The financial servo module 20 After obtaining the payment confirmation, The user's account deducts the payment amount and sends a confirmation message that the account has been debited to the payment device 10, causing the payment device 10 to display the notification of completion of the payment.

藉此，本發明建構一簡易認證方式，將傳統在ATM上認證之方式改成在行動裝置(如手機)認證，如此ATM上就可以進行提款或任何ATM之操作，而此一鍵認證支付方法亦可適用在線上購物，可有效簡化支付流程，使支付過程快速簡單明瞭，即便是平時無接觸數位產品之人員亦能易於理解整體流程。 Thereby, the present invention constructs a simple authentication method, and the traditional authentication method on the ATM is changed to a mobile device (such as a mobile phone) authentication, so that ATM can perform withdrawal or any ATM operation, and the one-key authentication payment The method can also be applied to online shopping, which can simplify the payment process, make the payment process fast and simple, and even the person who normally does not touch the digital product can easily understand the overall process.

綜上所述，本發明係一種一鍵認證支付方法，可有效改善習用之種種缺點，可內嵌應用於線上商店支付、ATM無卡提款等支付使用，當於ATM提款或線上款項需支付時啟動一鍵認證支付機制進行一鍵支付功能，系統將即時發送支付確認至使用者認證過之手機應用軟體，使用者僅需透過手機應用軟體進行一鍵確認支付款項並輸入驗證密碼即完成支付轉帳動作，且該提款最小單位可提1元，進而使本發明之產生能更進步、更實用、更符合使用者之所須，確已符合發明專利申請之要件，爰依法提出專利申請。 In summary, the present invention is a one-key authentication payment method, which can effectively improve various shortcomings of the application, and can be embedded and applied to online store payment, ATM cardless withdrawal, etc., when ATM withdrawal or online payment is required. When the payment is initiated, the one-click authentication payment mechanism is activated to perform the one-click payment function, and the system will immediately send the payment confirmation to the user-approved mobile phone application software, and the user only needs to confirm the payment by the mobile phone application software and input the verification password. Paying the transfer action, and the minimum unit of the withdrawal can be raised by 1 yuan, so that the invention can be made more progressive, more practical, and more suitable for the user. It has indeed met the requirements of the invention patent application, and the patent application is filed according to law. .

惟以上所述者，僅為本發明之較佳實施例而已，當不能以此限定本發明實施之範圍；故，凡依本發明申請專利範圍及發明說明書內容所作之簡單的等效變化與修飾，皆應仍屬本發明專利涵蓋之範圍內。 However, the above is only the preferred embodiment of the present invention, and the scope of the present invention is not limited thereto; therefore, the simple equivalent changes and modifications made in accordance with the scope of the present invention and the contents of the invention are modified. All should remain within the scope of the invention patent.