CN102449651A - Short-distance payment system and payment procedure based on graphs - Google Patents
Short-distance payment system and payment procedure based on graphs Download PDFInfo
- Publication number
- CN102449651A CN102449651A CN2011800023968A CN201180002396A CN102449651A CN 102449651 A CN102449651 A CN 102449651A CN 2011800023968 A CN2011800023968 A CN 2011800023968A CN 201180002396 A CN201180002396 A CN 201180002396A CN 102449651 A CN102449651 A CN 102449651A
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- China
- Prior art keywords
- payment
- graphic code
- receiving terminal
- cash receiving
- code image
- Prior art date
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/22—Payment schemes or models
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/68—Payment of value-added services
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
- H04M17/30—Prepayment of wireline communication systems, wireless communication systems or telephone systems using a code
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
- H04M17/30—Prepayment of wireline communication systems, wireless communication systems or telephone systems using a code
- H04M17/307—Code type, e.g. alphanumeric code, bar code
Abstract
The utility model relates to the mobile payment technology field, particularly to a short-distance payment system based on graphs. The payment system comprises a collecting terminal and a payment terminal, wherein the collecting terminal comprises: an order generating module for generating an order based on the goods selected by the client and the service information, a graphic code transforming module for transforming the order information into a graphic code image containing graphic code or identifying the order information from graphic code image, a display module for displaying the graphic code image generated by the graphic code transforming module, a camera device for capturing the graphic code image, and a communication module for communicating with a payment settlement system. The payment terminal comprises a camera device, a graphic code transforming module, and a display module. The invention also discloses a short-distance payment method based on graphs. The payment method requires no change to the hardware of a handset. Moreover, the handset and the collecting terminal carry out communication via mutual shooting, with no need for other communication, thereby being secure and reliable, generating no communicating fee, and ensuring the security of the transaction.
Description
Technical field
The present invention relates to the mobile payment technical field, be specifically related to a kind of closely payment system and method for payment based on figure.
Background technology
Traditional transaction payment is main with cash, and this requires the user when transaction, to carry enough cashes, shortcomings such as obviously, the money transaction existence can't be carried in a large number, poor stability.Therefore; Along with the development of financial circles with technology, the non-cash transaction method is invented gradually, and present most popular non-cash transaction method is the bank card transaction of swiping the card; The terminals such as POS that utilize bank card that bank provides for the user and bank to provide for trade company; The POS terminal obtains the user account relevant information through user card punching, is uploaded to the transaction system of bank with the information of current merchant information, dealing money, bank transaction system according to these information to transaction processing such as transfer accounts.The deficiency of the cash consumption that the bank card bankcard consumption remedies, but still have some inconveniences, such as, must carry bank card, bank card is lost or is replicated also can be with certain risk.
It is through the RF radio-frequency technique that the current proximity payment also has a kind of method, for example common mass transit card, but RF radio-frequency card and card-reading apparatus are not the common apparatus in the life, therefore promote to have certain degree of difficulty.
And along with development of science and technology, mobile phone has become the requisite carry-on equipment of modern, and the mobile-phone payment technology is shown up prominently just gradually; At present traditional mobile-phone payment has kinds of schemes, as phone number is bound credit card number, through the operation of transferring accounts of STK card; Perhaps carry out small amount payment or the like based on note; Such scheme all relates to the upgrading replacing of phone number card or the upgrading of mobile communication carrier's built-in system, and compatibility is not high, and it is big to promote difficulty.
Summary of the invention
In view of this,, the invention discloses a kind of closely payment system, can adopt portable terminals such as mobile phone to accomplish transaction payment as payment devices based on figure in order to address the above problem.
The objective of the invention is to realize like this: the closely payment system based on figure comprises cash receiving terminal and payment terminal.
Said cash receiving terminal comprises:
The order generation module is used for commodity or information on services according to user's selection, generates respective orders;
The first graphic code modular converter is used for converting sequence information into comprise graphic code graphic code image, or from the graphic code image, identifies sequence information;
First display module is used to show the graphic code image that the graphic code modular converter is generated;
First camera head is used to absorb the graphic code image that second display module shows;
Communication module is used for carrying out communication with payment and settlement system;
Said payment terminal comprises:
Second camera head is used to absorb the graphic code image that first display module shows;
Second graph sign indicating number modular converter is used for converting relevant payment information into comprise graphic code graphic code image, or from the graphic code image, identifies sequence information;
Second display module is used for showing graphic code image that second graph sign indicating number modular converter generates or the sequence information that identifies from the graphic code image.
Said payment terminal is mobile phone, PDA or the panel computer of band camera.
Said cash receiving terminal also comprises the first signature verification module, in order to the private key that uses one's own side order is signed; Said sequence information comprises signing messages;
Said payment terminal comprises the second signature verification module, verifies in order to the signing messages in the sequence information that second graph sign indicating number modular converter is identified from the graphic code image, and with one's own side's private key order is signed.
Said graphic code is bar code or two-dimension code.
The present invention also provides a kind of closely method of payment based on figure, comprises the steps:
1) user select commodity or the service that will buy, cash receiving terminal generates respective orders according to user's selection;
2) cash receiving terminal converts sequence information into graphic code, and on the display screen of cash receiving terminal, shows the graphic code image that comprises graphic code;
3) payment terminal is absorbed the graphic code image that shows on first display screen, therefrom identifies sequence information, and on the payment terminal display screen, shows, supplies the user to confirm;
4) payment terminal converts the sequence information that the user confirms into graphic code, and on the display screen of payment terminal, shows the graphic code image that comprises graphic code;
5) the graphic code image that shows on the cash receiving terminal picked-up payment terminal display screen identifies sequence information wherein;
6) cash receiving terminal sends to payment clearance system with the sequence information that step 5) obtains, and carries out allocation of the funds clearance by payment clearance system.
Step 1) and step 2) between, comprise that also cash receiving terminal sends to the step that payment clearance system is confirmed with sequence information.
Step 2) in, also comprises the step that cash receiving terminal is signed to order with one's own side's private key, comprise the signing messages of cash receiving terminal in the graphic code;
In the step 3), payment terminal verifies that to the signing messages of cash receiving terminal the user also signs with one's own side's private key to order after confirming.
In the step 6), cash receiving terminal verifies the cash receiving terminal in sequence information signature and payment terminal signature, checking through after carry out the allocation of the funds again and clear.
Also comprising the steps: 7) payment clearance system sends to cash receiving terminal with payment result information, and on the display screen of cash receiving terminal, show said payment result information.
Said graphic code is bar code or two-dimension code.
Beneficial effect of the present invention is following: the existing camera function mobile phone that has capable of using need not the hardware of mobile phone is changed as payment terminal, and it is low to promote cost, and is convenient to promote; Mobile phone need not to communicate with cash receiving terminal, and is safe and reliable, and do not have communication fee to produce, and can adopt the encrypted authentication algorithm, guarantees the security of transaction payment.
Description of drawings
In order to make the object of the invention, technical scheme and advantage clearer, will combine accompanying drawing that the present invention is made further detailed description below:
Fig. 1 is the structural representation based on the closely payment system of figure;
Fig. 2 is the schematic flow sheet based on the closely method of payment of figure.
Embodiment
Below will carry out detailed description to the preferred embodiments of the present invention.
Referring to Fig. 1, the closely payment system based on figure of present embodiment comprises cash receiving terminal 1 and payment terminal 2.
Said cash receiving terminal 1 comprises:
Order generation module 11 is used for commodity or information on services according to user's selection, generates respective orders;
Graphic code modular converter 12 is used for converting sequence information into comprise graphic code graphic code image, or from the graphic code image, identifies sequence information;
Signature verification module 14 is signed to order in order to the private key that uses one's own side;
Said payment terminal 2 comprises:
Camera head 21 is used to absorb the graphic code image that the display module 13 of cash receiving terminal shows;
Graphic code modular converter 22 is used for converting relevant payment information into comprise graphic code graphic code image, or from the graphic code image, identifies sequence information;
Display module 23 is used for showing graphic code image that self graphic code modular converter generates or the sequence information that identifies from the graphic code image that self camera head obtains.
The mobile phone that said payment terminal 2 is the band camera, PDA, panel computer etc.
Said graphic code can be selected two-dimension code, bar code or other graphic code for use.
The closely method of payment based on figure of present embodiment comprises the steps:
1) user select commodity or the service that will buy, cash receiving terminal 1 generates respective orders according to user's selection;
2) cash receiving terminal 1 sends to payment clearance system 3 with sequence information and confirms that after the affirmation, cash receiving terminal 1 usefulness one's own side private key is signed to order;
3) cash receiving terminal 1 converts sequence information into graphic code, and on the display module 13 of cash receiving terminal 1, shows the graphic code image that comprises graphic code, and said sequence information comprises signing messages;
4) the graphic code image that shows on the display module 13 of payment terminal 2 picked-up cash receiving terminals; Therefrom identify sequence information; 2 pairs of the payment terminals wherein signing messages of cash receiving terminal 1 verify, and on the display module 23 of payment terminal 2, show sequence information, supply the user to confirm; The user also signs with one's own side's private key to order after confirming;
5) payment terminal 2 converts the sequence information that the user confirms into graphic code, and on the display screen 23 of payment terminal 2, shows the graphic code image that comprises graphic code, comprises signing messages in the said sequence information;
6) the graphic code image that shows on the display screen 23 of cash receiving terminal 1 picked-up payment terminal 2 identifies sequence information wherein;
7) cash receiving terminal 1 sends to payment clearance system 3 with the sequence information that step 6) obtains, and cash receiving terminal signature and payment terminal signature in 1 pair of sequence information of cash receiving terminal are verified, after checking is passed through, carry out allocation of the funds clearance by payment clearance system 3.
8) payment clearance system 3 sends to cash receiving terminal 2 with payment result information, and on the display module 13 of cash receiving terminal 2, shows said payment result information.
Encrypted signature algorithm in the present embodiment can be selected existing encrypted signature algorithms such as PKI algorithm, CPK algorithm for use.
The above is merely the present invention that preferably is not limited to of the present invention, and obviously, those skilled in the art can carry out various changes and modification and not break away from the spirit and scope of the present invention the present invention.Like this, belong within the scope of claim of the present invention and equivalent technologies thereof if of the present invention these are revised with modification, then the present invention also is intended to comprise these changes and modification interior.
Claims (9)
1. based on the closely payment system of figure, it is characterized in that: comprise cash receiving terminal and payment terminal.
Said cash receiving terminal comprises:
The order generation module is used for commodity or information on services according to user's selection, generates respective orders;
The first graphic code modular converter is used for converting sequence information into comprise graphic code graphic code image, or from the graphic code image, identifies sequence information;
First display module is used to show the graphic code image that the graphic code modular converter is generated;
First camera head is used to absorb the graphic code image that second display module shows;
Communication module is used for carrying out communication with payment and settlement system;
Said payment terminal comprises:
Second camera head is used to absorb the graphic code image that first display module shows;
Second graph sign indicating number modular converter is used for converting relevant payment information into comprise graphic code graphic code image, or from the graphic code image, identifies sequence information;
Second display module is used for showing graphic code image that second graph sign indicating number modular converter generates or the sequence information that identifies from the graphic code image.
2. the closely payment system based on figure as claimed in claim 1 is characterized in that: said payment terminal is mobile phone, PDA or the panel computer of band camera.
3. according to claim 1 or claim 2 closely payment system based on figure, it is characterized in that: said cash receiving terminal also comprises the first signature verification module, in order to the private key that uses one's own side order is signed; Said sequence information comprises signing messages;
Said payment terminal comprises the second signature verification module, verifies in order to the signing messages in the sequence information that second graph sign indicating number modular converter is identified from the graphic code image, and with one's own side's private key order is signed.
4. the closely payment system based on figure as claimed in claim 3 is characterized in that: said graphic code is bar code or two-dimension code.
5. based on the closely method of payment of figure, it is characterized in that: comprise the steps:
1) user select commodity or the service that will buy, cash receiving terminal generates respective orders according to user's selection;
2) cash receiving terminal converts sequence information into graphic code, and on the display screen of cash receiving terminal, shows the graphic code image that comprises graphic code;
3) payment terminal is absorbed the graphic code image that shows on first display screen, therefrom identifies sequence information, and on the payment terminal display screen, shows, supplies the user to confirm;
4) payment terminal converts the sequence information that the user confirms into graphic code, and on the display screen of payment terminal, shows the graphic code image that comprises graphic code;
5) the graphic code image that shows on the cash receiving terminal picked-up payment terminal display screen identifies sequence information wherein;
6) cash receiving terminal sends to payment clearance system with the sequence information that step 5) obtains, and carries out allocation of the funds clearance by payment clearance system.
6. the closely method of payment based on figure as claimed in claim 5 is characterized in that: step 1) and step 2) between, comprise that also cash receiving terminal sends to the step that payment clearance system is confirmed with sequence information.
7. like claim 5 or 6 described closely methods of payment, it is characterized in that: step 2 based on figure) in, also comprise the step that cash receiving terminal is signed to order with one's own side's private key, comprise the signing messages of cash receiving terminal in the graphic code;
In the step 3), payment terminal verifies that to the signing messages of cash receiving terminal the user also signs with one's own side's private key to order after confirming.
In the step 6), cash receiving terminal verifies the cash receiving terminal in sequence information signature and payment terminal signature, checking through after carry out the allocation of the funds again and clear.
8. the closely method of payment based on figure as claimed in claim 7 is characterized in that: also comprise the steps: 7) payment clearance system sends to cash receiving terminal with payment result information, and on the display screen of cash receiving terminal, show said payment result information.
9. the closely method of payment based on figure as claimed in claim 8 is characterized in that: said graphic code is bar code or two-dimension code.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2011/070466 WO2012097520A1 (en) | 2011-01-21 | 2011-01-21 | Image-based short distance payment system and payment method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN102449651A true CN102449651A (en) | 2012-05-09 |
Family
ID=46010199
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2011800023968A Pending CN102449651A (en) | 2011-01-21 | 2011-01-21 | Short-distance payment system and payment procedure based on graphs |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN102449651A (en) |
| WO (1) | WO2012097520A1 (en) |
Cited By (18)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN103208064A (en) * | 2012-12-06 | 2013-07-17 | 浙江大学 | Online short-range payment method |
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| CN103269328A (en) * | 2013-03-08 | 2013-08-28 | 陈景辉 | Authentication system based on graphic information exchange and method thereof |
| CN103577979A (en) * | 2012-07-31 | 2014-02-12 | 黄金富 | Mobile payment system applying two-dimensional bar code and corresponding method |
| CN103577981A (en) * | 2012-07-31 | 2014-02-12 | 黄金富 | Mobile payment system and method using two-dimensional bar codes |
| CN103729765A (en) * | 2014-01-15 | 2014-04-16 | 腾讯科技（深圳）有限公司 | Verification control method and system, terminal, server, terminal equipment |
| CN103856640A (en) * | 2014-01-07 | 2014-06-11 | 腾讯科技（深圳）有限公司 | Method and system for processing user resource information |
| CN103942897A (en) * | 2014-04-23 | 2014-07-23 | 杭州电子科技大学 | Method for money withdrawing without card on ATM |
| CN103996116A (en) * | 2014-04-21 | 2014-08-20 | 北京邮电大学 | Mobile payment system and method based on visible light communication technology |
| CN104166909A (en) * | 2013-05-17 | 2014-11-26 | 北京百度网讯科技有限公司 | Mobile terminal automatic payment system and method |
| CN104281948A (en) * | 2013-07-09 | 2015-01-14 | 航天信息股份有限公司 | Mobile payment method and system based on two-dimension codes |
| CN104395917A (en) * | 2012-05-21 | 2015-03-04 | 金主汉 | Application for using mobile communication terminal as payment terminal, and application service provider system and method |
| WO2015103886A1 (en) * | 2014-01-07 | 2015-07-16 | Tencent Technology (Shenzhen) Company Limited | Numerical value transferring method, terminal, server, and system |
| CN105118191A (en) * | 2015-10-15 | 2015-12-02 | 李云祥 | ATM (automatic teller machine) with encryption function and money depositing and withdrawing method of ATM |
| WO2017080355A1 (en) * | 2015-11-10 | 2017-05-18 | 国民技术股份有限公司 | Method for confirming on-line transaction security by means of mobile phone and system thereof |
| US9979977B2 (en) | 2015-09-18 | 2018-05-22 | Industrial Technology Research Institute | Methods and devices of generating and decoding image streams with respective verification data |
| CN108711049A (en) * | 2018-07-11 | 2018-10-26 | 深圳市华士精成科技有限公司 | A kind of graphic code payment system and method for payment |
| CN112651727A (en) * | 2020-12-21 | 2021-04-13 | 中国工商银行股份有限公司 | On-site shopping payment-replacing method, acquiring bank server and system |
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| CN104395917A (en) * | 2012-05-21 | 2015-03-04 | 金主汉 | Application for using mobile communication terminal as payment terminal, and application service provider system and method |
| CN103577979A (en) * | 2012-07-31 | 2014-02-12 | 黄金富 | Mobile payment system applying two-dimensional bar code and corresponding method |
| CN103577981A (en) * | 2012-07-31 | 2014-02-12 | 黄金富 | Mobile payment system and method using two-dimensional bar codes |
| CN103218884A (en) * | 2012-11-29 | 2013-07-24 | 彭超 | Bus card swiping system by applying cell phone two-dimensional code technology |
| CN103208064A (en) * | 2012-12-06 | 2013-07-17 | 浙江大学 | Online short-range payment method |
| CN103269328A (en) * | 2013-03-08 | 2013-08-28 | 陈景辉 | Authentication system based on graphic information exchange and method thereof |
| CN104166909A (en) * | 2013-05-17 | 2014-11-26 | 北京百度网讯科技有限公司 | Mobile terminal automatic payment system and method |
| CN104281948A (en) * | 2013-07-09 | 2015-01-14 | 航天信息股份有限公司 | Mobile payment method and system based on two-dimension codes |
| US10354249B2 (en) | 2014-01-07 | 2019-07-16 | Tencent Technology (Shenzhen) Company Limited | Method and system for processing secure offline transactions |
| US11205174B2 (en) | 2014-01-07 | 2021-12-21 | Tencent Technology (Shenzhen) Company Limited | Method and system for processing secure offline transactions |
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| CN103729765A (en) * | 2014-01-15 | 2014-04-16 | 腾讯科技（深圳）有限公司 | Verification control method and system, terminal, server, terminal equipment |
| CN103729765B (en) * | 2014-01-15 | 2016-02-17 | 腾讯科技（深圳）有限公司 | A kind of authentication control method, terminal, server, terminal device and system |
| US10055730B2 (en) | 2014-01-15 | 2018-08-21 | Tencent Technology (Shenzhen) Company Limited | Method, terminal, server, device, and system of verification control |
| US9734497B2 (en) | 2014-01-15 | 2017-08-15 | Tencent Technology (Shenzhen) Company Limited | Method, terminal, server, device, and system of verification control |
| CN103996116A (en) * | 2014-04-21 | 2014-08-20 | 北京邮电大学 | Mobile payment system and method based on visible light communication technology |
| CN103942897B (en) * | 2014-04-23 | 2016-11-09 | 杭州电子科技大学 | A kind of method realizing withdrawing the money without card on ATM |
| CN103942897A (en) * | 2014-04-23 | 2014-07-23 | 杭州电子科技大学 | Method for money withdrawing without card on ATM |
| US9979977B2 (en) | 2015-09-18 | 2018-05-22 | Industrial Technology Research Institute | Methods and devices of generating and decoding image streams with respective verification data |
| CN105118191B (en) * | 2015-10-15 | 2017-07-14 | 李云祥 | Withdrawal method with the automatic teller machine of encryption function and the automatic teller machine |
| CN105118191A (en) * | 2015-10-15 | 2015-12-02 | 李云祥 | ATM (automatic teller machine) with encryption function and money depositing and withdrawing method of ATM |
| TWI619042B (en) * | 2015-11-10 | 2018-03-21 | Nationz Technologies Inc. | System and method for online transaction security, SIM card, mobile phone and online transaction system realized by the method |
| WO2017080355A1 (en) * | 2015-11-10 | 2017-05-18 | 国民技术股份有限公司 | Method for confirming on-line transaction security by means of mobile phone and system thereof |
| CN108711049A (en) * | 2018-07-11 | 2018-10-26 | 深圳市华士精成科技有限公司 | A kind of graphic code payment system and method for payment |
| CN112651727A (en) * | 2020-12-21 | 2021-04-13 | 中国工商银行股份有限公司 | On-site shopping payment-replacing method, acquiring bank server and system |
| CN112651727B (en) * | 2020-12-21 | 2024-03-29 | 中国工商银行股份有限公司 | On-site shopping payment replacing method, acquirer server and system |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2012097520A1 (en) | 2012-07-26 |
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Application publication date: 20120509 |