CN104268744A - Mobile payment achieving method and system - Google Patents
Mobile payment achieving method and system Download PDFInfo
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- CN104268744A CN104268744A CN201410479334.1A CN201410479334A CN104268744A CN 104268744 A CN104268744 A CN 104268744A CN 201410479334 A CN201410479334 A CN 201410479334A CN 104268744 A CN104268744 A CN 104268744A
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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Abstract
The invention provides a mobile payment achieving method. The problem that an existing mobile POS machine is poor in payment capacity and accordingly mobile payment is inconvenient and dependability is poor is solved. The mobile payment achieving method comprises the steps that a collecting terminal initiates transaction and sends transaction information to a transaction terminal; the transaction terminal receives the transaction information, converts the transaction information into two-dimension code information and displays the two-dimension code information on a display screen of the transaction terminal; a payment terminal scans the two-dimension code information to automatically display a payment interface for payment; the collecting terminal receives a transaction result and sends the transaction result to the transaction terminal; the transaction terminal prints a receipt to complete payment. The invention further provides a mobile payment achieving system. The flexibility and reliability of mobile payment are improved, and the problem that a client cannot pay for consumption when does not carry bank cards is solved.
Description
Technical field
The present invention relates to payment technology field, espespecially a kind of method of mobile payment and system.
Background technology
Along with the raising of China's socio-economic development and living standards of the people, personal finance demand for services constantly increases, particularly more outstanding to the demand of payment and settlement service.For meeting the growing financial service needs of the public, further raising bank payment settlement efficiency of service and service quality, the problem that effective solution handling bank business queue time is long, People's Bank of China has issued " notice about improving the service of individual payment and settlement ", highlight and improve electronic payment service function, promote self-service, at home serve development.
Therefore, the electronic payment functions such as present online payment, phone-payment, mobile payment are greatly expanded, and are devoted to improve the service quality paid by mails, improve business from cabinet rate, alleviate site cabinet surface pressure, mobile payment obtains fast development just under such industry great development background.In today of mobile Internet high speed development, mobile payment enjoys high praise with efficient, convenient, safe advantage in E-Payment field.Wherein, mobile POS is arisen at the historic moment, and it is that one is connected with mobile terminal, namely by mobile network, realizes payment identical with conventional P OS machine, receives the move transaction terminal device of the financial service functions such as list.
But mobile POS on the market only supports the off-line transaction of swiping the card at present, if but payer leaves behind in bank card or card that Sorry, your ticket has not enough value, and just can not realize transaction, thus occur that trade company loses single possibility.In addition, must complete on the mobile phone of payee and trade company and mobile POS under the line that existing mobile POS realizes, and for this emerging mobile POS business, a lot of people also contacts seldom, degree of belief is high not as conventional P OS machine, thus the carrying out that impact is concluded the business.
Summary of the invention
The present invention is in order to solve the deficiency of existing mobile POS paying ability, thus cause the problem of the not convenient and reliability deficiency of mobile payment, thus a kind of mobile payment implementation method and system are provided, improve the dirigibility of mobile payment and reliability, and solve client can not the problem of payment consumption when not carrying bank card.
In order to realize the above goal of the invention of the present invention, a kind of mobile payment implementation method provided by the invention is achieved through the following technical solutions:
A kind of mobile payment implementation method, described method comprises:
Cash receiving terminal initiates transaction, and Transaction Information is sent to transaction terminal;
Described transaction terminal receives described Transaction Information, and described Transaction Information is converted into 2 D code information, is shown on self display screen;
Payment terminal scans described 2 D code information, automatically enters payment interface, and pays;
Described cash receiving terminal receives described transaction results, and is sent to described transaction terminal;
Described transaction terminal prints receipt, completes payment.
The mobile payment implementation method of the embodiment of the present invention, by means of the terminal of payer and beneficiary, make its access network, thus can support that namely transaction terminal moves the online trading of POS, thus solve the deficiency that traditional mobile POS must be undertaken by swiping the card concluding the business, can realize without card transaction, also paying party can be made to complete transaction by oneself, paying party is allowed to know Transaction Information, improve the reliability of this method of payment, and this online trading payment does not need transaction terminal as mobile POS access network, make businessman without the need to disposing special network, can realize paying, improve the convenience of payment, in addition, transaction terminal according to transaction results data-printing physical tickets, can improve the reliability and reliability that pay.
Further, described Transaction Information comprises dealing money and beneficiary information.
The terminal of beneficiary is sent to transaction terminal by needing the payment transaction information of carrying out, and transaction terminal is encapsulated by Quick Response Code, makes obtain Transaction Information when payment terminal and confirm, improves the reliability and security that pay.
Further, cash receiving terminal initiates transaction, and Transaction Information is sent to transaction terminal specifically comprises:
Described cash receiving terminal sends described Transaction Information to described transaction terminal by bluetooth or audio interface.
Cash receiving terminal and transaction terminal send Transaction Information by entity interface, without the need to by Internet Transmission, improve the security of data transmission.Meanwhile, the foundation that the Quick Response Code that transaction terminal shows runs automatically as Third-party payment program, in transaction terminal, two-dimensional code display is safer; because transaction terminal is safety product, inside protection mechanism, information is difficult to be tampered; confidence level is higher, makes the security of transaction payment higher.
Further, describedly automatically enter payment interface, and carry out paying specifically comprising:
Payment terminal runs Third-party payment program, and described Third-party payment program, according to described Transaction Information, is connected by Mobile data or WIFI wireless connections, sends and pays request msg to bank side or Third-party payment server;
According to the message identifying of Third-party payment server or bank, send and pay checking data and verify, complete payment.
By the bank server on payment terminal access network or Third-party payment server, realize online trading, meanwhile, increase the process of transaction authentication, make user can carry out the confirmation repeatedly of concluding the business according to the check information received, improve the reliability paid.In addition, if the bank card of user is when Sorry, your ticket has not enough value, the remaining sum also by Third-party payment platform completes payment, improves the extensibility paid.
Further, described transaction terminal by self ID registered in advance in bank or Third-party payment server.
In order to improve the reliability requirement of user to financial payment, process of exchange increases the registered in advance to transaction terminal, thus adds the use certification to transaction terminal, makes paying party when paying, enough confirmations are carried out to Transaction Information, improves the security paid further.
Further, the ID of described transaction terminal comprises transaction terminal identifier or Third-party payment program user number.
In order to realize goal of the invention of the present invention, the embodiment of the present invention additionally provides a kind of mobile payment and realizes system, and described system comprises:
Cash receiving terminal, is used for initiating transaction, and trading information data is sent to transaction terminal, receive the transaction results after paying, and be sent to described transaction terminal;
Described transaction terminal, is used for receiving described Transaction Information, and described Transaction Information is converted into 2 D code information, is shown on self display screen;
Payment terminal, is used for scanning described 2 D code information, automatically enters payment interface, and pays;
Described transaction terminal, according to described transaction results, prints receipt and completes payment.
The mobile payment of the embodiment of the present invention realizes system, by means of the terminal of payer and beneficiary, make its access network, thus can support that namely transaction terminal moves the online trading of POS, thus solve the deficiency that traditional mobile POS must be undertaken by swiping the card concluding the business, can realize without card transaction, also paying party can be made to complete transaction by oneself, paying party is allowed to know Transaction Information, improve the reliability of this method of payment, and this online trading payment does not need transaction terminal as mobile POS access network, make businessman without the need to disposing special network, can realize paying, improve the convenience of payment, in addition, transaction terminal according to transaction results data-printing physical tickets, can improve the reliability and reliability that pay.
Further, described transaction terminal comprises:
Receiver module, comprises a bluetooth or audio interface, is used for receiving described trading information data and transaction results;
Two-dimensional code generation module, is used for generating 2 D code information according to described trading information data;
Display screen, is used for showing described 2 D code information;
Printer, is used for printing receipt according to described transaction results.
Described cash receiving terminal sends described Transaction Information to described transaction terminal by bluetooth or audio interface.Cash receiving terminal and transaction terminal send Transaction Information by entity interface, without the need to by Internet Transmission, improve the security of data transmission.Meanwhile, the foundation that the Quick Response Code that transaction terminal shows runs automatically as Third-party payment program, in transaction terminal, two-dimensional code display is safer; because transaction terminal is safety product, inside protection mechanism, information is difficult to be tampered; confidence level is higher, makes the security of transaction payment higher.
Accompanying drawing explanation
Below in conjunction with the drawings and specific embodiments, the present invention is described in further detail:
Fig. 1 is the process flow diagram of a kind of mobile payment implementation method of the embodiment of the present invention;
Fig. 2 is the structural drawing that a kind of mobile payment of the embodiment of the present invention realizes system;
Fig. 3 is the structural drawing of embodiment of the present invention transaction terminal.
Embodiment
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, be briefly described to the accompanying drawing used required in embodiment or description of the prior art below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.
As a specific embodiment, as shown in Figure 1, be the process flow diagram of a kind of mobile payment implementation method of the embodiment of the present invention.In this embodiment, described method comprises:
S101. cash receiving terminal initiates transaction, and Transaction Information is sent to transaction terminal;
S102. described transaction terminal receives described Transaction Information, and described Transaction Information is converted into 2 D code information, is shown on self display screen;
S103. payment terminal scans described 2 D code information, automatically enters payment interface, and pays;
S104. described cash receiving terminal receives described transaction results, and is sent to described transaction terminal;
S105. described transaction terminal prints receipt, completes payment.
The mobile payment implementation method of the embodiment of the present invention, by means of the terminal of payer and beneficiary, make its access network, thus can support that namely transaction terminal moves the online trading of POS, thus solve the deficiency that traditional mobile POS must be undertaken by swiping the card concluding the business, can realize without card transaction, also paying party can be made to complete transaction by oneself, paying party is allowed to know Transaction Information, improve the reliability of this method of payment, and this online trading payment does not need transaction terminal as mobile POS access network, make businessman without the need to disposing special network, can realize paying, improve the convenience of payment, in addition, transaction terminal according to transaction results data-printing physical tickets, can improve the reliability and reliability that pay.
Further, described Transaction Information comprises dealing money and beneficiary information, and described beneficiary information comprises transaction terminal identifier and/or cash receiving terminal number.
The terminal of beneficiary is sent to transaction terminal by needing the payment transaction information of carrying out, and transaction terminal is encapsulated by Quick Response Code, makes obtain Transaction Information when payment terminal and confirm, improves the reliability and security that pay.
Further, cash receiving terminal initiates transaction, and Transaction Information is sent to transaction terminal specifically comprises:
Described cash receiving terminal sends described Transaction Information to described transaction terminal by bluetooth or audio interface.
Cash receiving terminal and transaction terminal send Transaction Information by entity interface; without the need to passing through Internet Transmission; improve the security of data transmission simultaneously; the foundation that the Quick Response Code that transaction terminal shows runs automatically as Third-party payment program, in transaction terminal, two-dimensional code display is safer, because transaction terminal is safety product; inside protection mechanism; information is difficult to be tampered, and confidence level is higher, makes the security of transaction payment higher.
Further, describedly automatically enter payment interface, and carry out paying specifically comprising:
Payment terminal runs Third-party payment program, and described Third-party payment program, according to described Transaction Information, is connected by Mobile data or WIFI wireless connections, sends and pays request msg to bank side or Third-party payment server;
According to the message identifying of Third-party payment server or bank, send and pay checking data and verify, complete payment.
By the bank server on payment terminal access network or Third-party payment server, realize online trading, meanwhile, increase the process of transaction authentication, make user can carry out the confirmation repeatedly of concluding the business according to the check information received, improve the reliability paid.In addition, if the bank card of user is when Sorry, your ticket has not enough value, the remaining sum also by Third-party payment platform completes payment, improves the extensibility paid.
Further, described transaction terminal by self ID registered in advance in bank or Third-party payment server.
In order to improve the reliability requirement of user to financial payment, process of exchange increases the registered in advance to transaction terminal, thus adds the use certification to transaction terminal, makes paying party when paying, enough confirmations are carried out to Transaction Information, improves the security paid further.Further, No. ID of described transaction terminal comprises terminal recognition number or Third-party payment program user number.
As shown in Figure 2, in order to realize goal of the invention of the present invention, the embodiment of the present invention additionally provides a kind of mobile payment and realizes system, and described system comprises:
Cash receiving terminal, is used for initiating transaction, and trading information data is sent to transaction terminal, receive the transaction results after paying, and be sent to described transaction terminal;
Described transaction terminal, is used for receiving described Transaction Information, and described Transaction Information is converted into 2 D code information, is shown on self display screen;
Payment terminal, is used for scanning described 2 D code information, automatically enters payment interface, and pays;
Described transaction terminal, according to described transaction results, prints receipt and completes payment.
The mobile payment of the embodiment of the present invention realizes system, by means of the terminal of payer and beneficiary, make its access network, thus can support that namely transaction terminal moves the online trading of POS, thus solve the deficiency that traditional mobile POS must be undertaken by swiping the card concluding the business, can realize without card transaction, also paying party can be made to complete transaction by oneself, paying party is allowed to know Transaction Information, improve the reliability of this method of payment, and this online trading payment does not need transaction terminal as mobile POS access network, make businessman without the need to disposing special network, can realize paying, improve the convenience of payment, in addition, transaction terminal according to transaction results data-printing physical tickets, can improve the reliability and reliability that pay.
As shown in Figure 3, further, described transaction terminal comprises:
Receiver module, comprises a bluetooth or audio interface, is used for receiving described trading information data and transaction results data;
Two-dimensional code generation module, is used for generating 2 D code information according to described trading information data;
Display screen, is used for showing described 2 D code information;
Printer, is used for printing receipt according to described transaction results.
Payment terminal is by terminal handler, code keypad, power supply, display screen, printer, the basic element of character such as card reader and communication interface forms, wherein terminal handler is used for processing all operations flow process, code keypad is used for inputting encrypted message or confirming Transaction Information, power supply is responsible for powering to whole transaction terminal, display screen is responsible for showing Transaction Information, printer is used for printing transaction receipt, card reader is used for reading the information of magnetic stripe card and IC-card, communication interface is communicated with cash receiving terminal by bluetooth or audio port, preferably, described transaction terminal also comprises two-dimensional code generation module, be used for generating 2 D code information according to described trading information data.
The terminal of beneficiary is sent to transaction terminal by needing the payment transaction information of carrying out, and transaction terminal is encapsulated by Quick Response Code, makes obtain Transaction Information when payment terminal and confirm, improves the reliability and security that pay.
In addition, described cash receiving terminal sends described trading information data to described transaction terminal by bluetooth or audio interface, and cash receiving terminal and transaction terminal send Transaction Information by entity interface, without the need to by Internet Transmission, improves the security of data transmission.
In order to specifically describe the present invention, illustrate implementation process of the present invention by a specific embodiment here:
Beneficiary mobile terminal, namely cash receiving terminal initiates transaction, and sends Transaction Information to transaction terminal;
Described cash receiving terminal comprises mobile phone, PAD or individual PC (band two-dimensional code scanning device) etc., initiates transaction, connects described transaction terminal and Transaction Information is sent to described transaction terminal by bluetooth or audio interface;
Transaction terminal receives described Transaction Information, Transaction Information is converted into 2 D code information and shows on a display screen; Preferably, described Transaction Information can show in the full position of transaction terminal, and described Transaction Information comprises dealing money, payee, and the important informations such as beneficiary transaction terminal identifier or cash receiving terminal number, so that payer confirms transaction content.Meanwhile, the foundation that the Quick Response Code that transaction terminal shows runs automatically as Third-party payment program, in transaction terminal, two-dimensional code display is safer; because transaction terminal is safety product, inside protection mechanism, information is difficult to be tampered; confidence level is higher, makes the security of transaction payment higher.
Described cash receiving terminal number can be the communicating number of terminal, such as phone number, to receive the transaction results data of bank or the transmission of Third-party payment server.
Described transaction terminal can comprise and moves POS, by self ID registered in advance in bank or Third-party payment server, thus improve user to the reliability requirement of financial payment, because process of exchange increases the registered in advance to transaction terminal, add the use certification to transaction terminal, make paying party when paying, enough confirmations are carried out to Transaction Information, improve the security paid further.
After payment terminal scans described 2 D code information, automatically payment interface is entered, and pay: paying party scans described 2 D code information by hand-held payment terminal, automatically built-in Third-party payment application program is entered, wherein, described hand-held payment terminal comprises mobile phone, PAD etc., and it is online etc. that described Third-party payment application program comprises Alipay, Unionpay.
By the client scan transaction terminal of payment terminal, the Quick Response Code shown as mobile POS or directly scanning Quick Response Code jump to payment interface, payment flow on the enterprising line of paying party payment terminal automatically.
Payment terminal completes payment process voluntarily, namely payment terminal runs Third-party payment program, described Third-party payment program, according to described Transaction Information, is connected by Mobile data or WIFI wireless connections, sends and pays request msg to bank side or Third-party payment server;
According to the message identifying of Third-party payment server or bank, send and pay checking data and verify, complete payment.
By the bank server on payment terminal access network or Third-party payment server, realize online trading, meanwhile, increase the process of transaction authentication, make user can carry out the confirmation repeatedly of concluding the business according to the check information received, improve the reliability paid.In addition, if the bank card of user is when Sorry, your ticket has not enough value, the remaining sum also by Third-party payment platform completes payment, improves the extensibility paid.
Payment result is back to cash receiving terminal by bank server or Third-party payment server, and described transaction results is sent to described transaction terminal by communication interface by described cash receiving terminal.
To complete on line after payment flow, transaction content can be sent to bank by the payment terminal of paying party, bank side completes transaction, and return transaction results to payment terminal, also can receive transaction results during cash receiving terminal access network, such as received payment information, transaction is completed information and is sent to mobile POS by bluetooth or audio interface by beneficiary mobile terminal, mobile POS prints transaction receipt, and transaction completes.
The mobile payment implementation method of the embodiment of the present invention and system, by means of the terminal of payer and beneficiary, make its access network, thus can support that namely transaction terminal moves the online trading of POS, thus solve the deficiency that traditional mobile POS must be undertaken by swiping the card concluding the business, can realize without card transaction, also paying party can be made to complete transaction by oneself, paying party is allowed to know Transaction Information, improve the reliability of this method of payment, and this online trading payment does not need transaction terminal as mobile POS access network, make businessman without the need to disposing special network, can realize paying, improve the convenience of payment, in addition, transaction terminal according to transaction results data-printing physical tickets, can improve the reliability and reliability that pay.
The above is only the preferred embodiment of the present invention; it should be pointed out that for those skilled in the art, under the premise without departing from the principles of the invention; can also make some improvements and modifications, these improvements and modifications also should be considered as protection scope of the present invention.
Claims (10)
1. a mobile payment implementation method, is characterized in that, described method comprises:
Cash receiving terminal initiates transaction, and Transaction Information is sent to transaction terminal;
Described transaction terminal receives described Transaction Information, and described Transaction Information is converted into 2 D code information, is shown on self display screen;
Payment terminal scans described 2 D code information, automatically enters payment interface, and pays;
Described cash receiving terminal receives described transaction results, and is sent to described transaction terminal;
Described transaction terminal prints receipt, completes payment.
2. mobile payment implementation method according to claim 1, is characterized in that, described Transaction Information comprises dealing money, beneficiary information, and described beneficiary information comprises transaction terminal identifier and/or cash receiving terminal number.
3. mobile payment implementation method according to claim 1, is characterized in that, cash receiving terminal initiates transaction, and Transaction Information is sent to transaction terminal specifically comprises:
Described cash receiving terminal sends described Transaction Information to described transaction terminal by bluetooth or audio interface.
4. mobile payment implementation method according to claim 1, is characterized in that, describedly automatically enters payment interface, and carries out paying specifically comprising:
Payment terminal runs Third-party payment program, and described Third-party payment program, according to described Transaction Information, is connected by Mobile data or WIFI wireless connections, sends and pays request msg to bank side or Third-party payment server;
According to the message identifying of Third-party payment server or bank, send and pay checking data and verify, complete payment.
5. mobile payment implementation method according to claim 4, is characterized in that, described transaction terminal passes through the ID registered in advance of self in bank or Third-party payment server.
6. mobile payment implementation method according to claim 5, is characterized in that, the ID of described transaction terminal comprises transaction terminal identifier or Third-party payment program user number.
7. mobile payment realizes a system, it is characterized in that, described system comprises:
Cash receiving terminal, is used for initiating transaction, and trading information data is sent to transaction terminal, receive the transaction results after paying, and be sent to described transaction terminal;
Described transaction terminal, is used for receiving described Transaction Information, and described Transaction Information is converted into 2 D code information, is shown on self display screen;
Payment terminal, is used for scanning described 2 D code information, automatically enters payment interface, and pays;
Described transaction terminal, according to described transaction results, prints receipt and completes payment.
8. mobile payment according to claim 7 realizes system, it is characterized in that, described transaction terminal comprises:
Receiver module, comprises a bluetooth or audio interface, is used for receiving described trading information data and transaction results;
Two-dimensional code generation module, is used for generating 2 D code information according to described trading information data;
Display screen, is used for showing described 2 D code information;
Printer, is used for printing receipt according to described transaction results.
9. mobile payment according to claim 8 realizes system, it is characterized in that, described cash receiving terminal comprises a smart mobile phone, PAD or personal PC machine.
10. mobile payment according to claim 8 realizes system, it is characterized in that, described payment terminal comprises a smart mobile phone, PAD or personal PC machine.
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| CN201410479334.1A CN104268744A (en) | 2014-09-19 | 2014-09-19 | Mobile payment achieving method and system |
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| CN201410479334.1A CN104268744A (en) | 2014-09-19 | 2014-09-19 | Mobile payment achieving method and system |
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