CN103186945A - Mobile payment terminal and mobile payment method - Google Patents
Mobile payment terminal and mobile payment method Download PDFInfo
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- CN103186945A CN103186945A CN2011104568195A CN201110456819A CN103186945A CN 103186945 A CN103186945 A CN 103186945A CN 2011104568195 A CN2011104568195 A CN 2011104568195A CN 201110456819 A CN201110456819 A CN 201110456819A CN 103186945 A CN103186945 A CN 103186945A
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Abstract
The invention relates to a mobile payment terminal and a mobile payment method. The mobile payment terminal comprises a positioning module, a control module and a payment module, wherein the positioning module is used for judging the current position of the mobile payment terminal; the control module is used for determining whether the payment module is started or not according to the judgment result of the positioning module; and the payment module is used for processing payment information and interacting the payment information with an external terminal. The mobile payment method comprises the following steps: judging the current position of the mobile payment terminal; determining whether the pay is allowed or not according to the judgment result; and if the pay is allowed, processing and interacting the payment information with the external terminal. By the mobile payment terminal and the mobile payment method, the current position can be automatically sensed, so that the phenomenon that the mobile payment terminal is swiped by a user by mistake or swiped illegally by a lawbreaker can be avoided, in particular the phenomenon that the mobile payment terminal in a pocket or a handbag of the user is swiped illegally by the lawbreaker can be avoided, and accordingly, the safety of the payment function of the mobile payment terminal is enhanced.
Description
Technical field
The present invention relates to the communications field, relate in particular to a kind of mobile payment terminal and method of mobile payment.
Background technology
Along with the progress of science and technology, the financial payment technology moves towards contactless from contact gradually, from conclude the business invisible move towards the transaction visual.Existing payment technology mainly contains magnetic stripe card technology, contact or non-contact ID-1 type IC-card technology, and based on the contactless payment technology of portable terminal (for example mobile phone).Magnetic stripe card has solved cash and has carried inconvenient problem, but because the magnetic strip information of magnetic stripe card is replicated easily, the easy security of old friend is very low.Contact or non-contact ID-1 type IC-card, for example CPU card, Mifare card etc., integrated chip can carry out calculation process in its IC-card, comprises encryption, deciphering etc., than magnetic stripe card, has improved transaction security greatly.But there is an identical defective in IC-card with magnetic stripe card, and namely Transaction Information is invisible.Based on the contactless payment technology of portable terminal, the contactless payment technology is combined with portable terminal, realize near field payment and remote payment simultaneously.The user can inquire about account balance, dealing money and detail at portable terminal, also the directly password input when portable terminal carries out password setting, modification and transaction.Thereby, strengthened the control degree of user to Transaction Information.Typical technical scheme has SIMPASS, NFC(Near Field Communication, close range wireless communication) and 2.4GHz RFID-SIM/SD technology.
But existing contactless payment technology based on portable terminal exists and steals the risk of swiping the card.Steal the brush person and can use legal POS terminal (Point of Sale, point of sale), have a mind near the user, under the situation that the user does not discover, steal brush user's fund.Especially be placed on portable terminal in the pocket or in the bag time as the user, the stolen brush phenomenon of appearance.
Summary of the invention
Technical matters to be solved by this invention provides a kind of mobile payment terminal and method of mobile payment, prevents from carrying out illegal mobile payment operation, improves payment safety.
For solving the problems of the technologies described above, the present invention proposes a kind of mobile payment terminal, comprising:
Locating module is for the current location of judging the mobile payment terminal;
Control module is used for the judged result according to described locating module, determines whether to open described payment module;
Payment module, for the treatment of and with the mutual payment information of exterior terminal.
Further, above-mentioned mobile payment terminal also can have following characteristics, and described locating module comprises touch sensor, and described touch sensor comprises:
The touch sensing front end is used for induction user's touch;
The touch sensing processing unit is for the current location of judging portable terminal according to the touch sensible result of described touch sensing front end.
Further, above-mentioned mobile payment terminal also can have following characteristics, and described touch sensing front end is any one in fingerprint sensor, capacitive transducer and the electric resistance sensor.
Further, above-mentioned mobile payment terminal also can have following characteristics, and described locating module comprises optical sensor, and described optical sensor comprises:
Light sensing front end is used for the light intensity variation that induction mobile payment terminal receives;
Light sensing processing unit is for the current location of judging portable terminal according to the photoinduction result of described smooth sensing front end.
Further, above-mentioned mobile payment terminal also can have following characteristics, and described smooth sensing front end is arranged on the bonnet of mobile payment terminal.
Further, above-mentioned mobile payment terminal also can have following characteristics, and described payment module is NFC functional module, RFID-SIM functional module or SIMPass functional module.
Further, above-mentioned mobile payment terminal also can have following characteristics, and described mobile payment terminal is any one in mobile phone, personal digital assistant PDA, digital camera, notebook computer, PC, the panel computer.
For solving the problems of the technologies described above, the invention allows for a kind of method of mobile payment, comprising:
Judge the current location of mobile payment terminal;
According to judged result, determine whether to allow to pay;
If allow to pay, then handle and with the mutual payment information of exterior terminal.
Further, above-mentioned method of mobile payment also can have following characteristics, and the current location of described judgement mobile payment terminal comprises:
Induction user's touch;
Judge the current location of portable terminal according to the touch sensible result.
Further, above-mentioned method of mobile payment also can have following characteristics, and the current location of described judgement mobile payment terminal comprises:
The light intensity that induction mobile payment terminal receives changes;
Judge the current location of portable terminal according to the photoinduction result.
Further, above-mentioned method of mobile payment also can have following characteristics, and described mobile payment terminal is any one in mobile phone, personal digital assistant PDA, digital camera, notebook computer, PC, the panel computer.
Mobile payment terminal of the present invention and method of mobile payment, can respond to the current location of mobile payment terminal automatically, prevent the phenomenon appearance that the mobile payment terminal is missed brush or stolen brush by the lawless person by the user, especially can prevent from being stolen by the lawless person when mobile payment terminal is in user's pocket or in the bag phenomenon of brush, strengthen the security of the payment function of mobile payment terminal.
Description of drawings
Fig. 1 is the general structure block diagram of mobile payment terminal in the embodiment of the invention;
Fig. 2 is a kind of concrete structure block diagram of mobile payment terminal in the embodiment of the invention;
Fig. 3 is the another kind of concrete structure block diagram of mobile payment terminal in the embodiment of the invention;
Fig. 4 is the process flow diagram of method of mobile payment in the embodiment of the invention.
Embodiment
Below in conjunction with accompanying drawing principle of the present invention and feature are described, institute gives an actual example and only is used for explaining the present invention, is not for limiting scope of the present invention.
Fig. 1 is the general structure block diagram of mobile payment terminal in the embodiment of the invention.As shown in Figure 1, in the present embodiment, the mobile payment terminal comprises locating module 100, control module 200 and payment module 300.Wherein, locating module 100 is used for judging the current location of mobile payment terminal.The judged result that control module 200 is used for according to locating module 100 determines whether to open payment module 300.Payment module 300 for the treatment of and with the mutual payment information of exterior terminal.Here, exterior terminal can be the equipment that POS machine etc. is accepted mobile payment service.Wherein, the mobile payment terminal can be mobile phone, also can be personal digital assistant PDA, digital camera, notebook computer, PC, panel computer etc.Herein, the position of mobile payment terminal refers to that mainly the mobile payment terminal is whether in user's hand, if in user's hand, then mobile payment function should be in opening, if not in user's hand (this moment may be in user's pocket, bag in), then mobile payment function should be in closed condition, to avoid stolen brush.
Wherein, payment module 300 can be the module that NFC functional module, RFID-SIM functional module, SIMPass functional module etc. have mobile payment function.
Fig. 2 is a kind of concrete structure block diagram of mobile payment terminal in the embodiment of the invention.As shown in Figure 2, in the present embodiment, the mobile payment terminal comprises touch sensor 110, control module 200 and payment module 300.Touch sensor 110 is a kind of of locating module 100.As shown in Figure 2, touch sensor 110 can comprise touch sensing front end 111 and touch sensing processing unit 112.Wherein, touch sensing front end 111 is used for induction user's touch.Touch sensing processing unit 112 is used for judging according to the touch sensible result of touch sensing front end 111 current location of portable terminal.
Wherein, touch sensing front end 111 can be fingerprint sensor, capacitive transducer, electric resistance sensor etc.Touch sensing front end 111 can be laid on the outside surface of mobile payment terminal.
Wherein, touch sensing processing unit 112 judges that according to the touch sensible result current location of portable terminal can be following mode: the touch sensible result is compared with the touch condition of presetting, if the touch sensible result meets default touch condition, the current position that to carry out mobile payment that is in of portable terminal then, otherwise, if the touch condition that the touch sensible result cannot not meet defaultly, the then current position that to carry out mobile payment that is in of portable terminal.Wherein, touch condition can be the intensity where no touch, touch are arranged, the area of touch, the position of touch, duration of touch etc.Corresponding touch thresholding can be set, by relatively deciding the touch sensible result whether to meet default touch condition with corresponding touch thresholding the touch sensible result.For example, the touch strength threshold can be set, if the touch intensity among the touch sensible result touches strength threshold greater than this, then the touch sensible result meets default touch condition, otherwise does not meet.
Fig. 3 is the another kind of concrete structure block diagram of mobile payment terminal in the embodiment of the invention.As shown in Figure 3, in the present embodiment, the mobile payment terminal comprises optical sensor 120, control module 200 and payment module 300.Optical sensor 120 is a kind of of locating module 100.As shown in Figure 3, optical sensor 120 can comprise light sensing front end 121 and light sensing processing unit 122.Wherein, light sensing front end 121 is used for the light intensity variation that induction mobile payment terminal receives.Light sensing processing unit 122 is used for judging according to the photoinduction result of light sensing front end 121 current location of portable terminal.
Wherein, light sensing front end 121 can be arranged on the bonnet of mobile payment terminal.The laying mode of light sensing front end 121 can cover or the face covering for dot matrix.For example, light sensing front end 121 can be laid on the cell phone rear cover, perhaps is laid in the center of cell phone rear cover, perhaps is laid on the whole cell phone rear cover face.
Wherein, light sensing processing unit 122 judges that according to the photoinduction result current location of portable terminal can be following mode: the photoinduction result is compared with the threshold value of presetting, if the photoinduction result is greater than default threshold value, the current position that to carry out mobile payment that is in of portable terminal then, otherwise, if touch the photoinduction result less than default threshold value, the then current position that to carry out mobile payment that is in of portable terminal.
Mobile payment terminal of the present invention, can respond to the current location of mobile payment terminal automatically, prevent the phenomenon appearance that the mobile payment terminal is missed brush or stolen brush by the lawless person by the user, especially can prevent from being stolen by the lawless person when mobile payment terminal is in user's pocket or in the bag phenomenon of brush, strengthen the security of the payment function of mobile payment terminal.
Fig. 4 is the process flow diagram of method of mobile payment in the embodiment of the invention.As shown in Figure 4, in the present embodiment, the flow process of method of mobile payment comprises:
Wherein, the mobile payment terminal can be mobile phone, also can be personal digital assistant PDA, digital camera, notebook computer, PC, panel computer etc.
One of mode of the current location of judgement mobile payment terminal can be: induction user's touch; Judge the current location of portable terminal according to the touch sensible result.This judgment mode namely is the judgment mode that aforesaid touch sensor 110 adopts.
Two of the mode of the current location of judgement mobile payment terminal can be: the light intensity that induction mobile payment terminal receives changes; Judge the current location of portable terminal according to the photoinduction result.This judgment mode namely is the judgment mode that aforesaid optical sensor 120 adopts.
Here, exterior terminal can be the equipment that POS machine etc. is accepted mobile payment service.
Method of mobile payment of the present invention, can respond to the current location of mobile payment terminal automatically, prevent the phenomenon appearance that the mobile payment terminal is missed brush or stolen brush by the lawless person by the user, especially can prevent from being stolen by the lawless person when mobile payment terminal is in user's pocket or in the bag phenomenon of brush, strengthen the security of the payment function of mobile payment terminal.
The above only is preferred embodiment of the present invention, and is in order to limit the present invention, within the spirit and principles in the present invention not all, any modification of doing, is equal to replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (11)
1. a mobile payment terminal is characterized in that, comprising:
Locating module is for the current location of judging the mobile payment terminal;
Control module is used for the judged result according to described locating module, determines whether to open described payment module;
Payment module, for the treatment of and with the mutual payment information of exterior terminal.
2. mobile payment terminal according to claim 1 is characterized in that, described locating module comprises touch sensor, and described touch sensor comprises:
The touch sensing front end is used for induction user's touch;
The touch sensing processing unit is for the current location of judging portable terminal according to the touch sensible result of described touch sensing front end.
3. mobile payment terminal according to claim 2 is characterized in that, described touch sensing front end is any one in fingerprint sensor, capacitive transducer and the electric resistance sensor.
4. mobile payment terminal according to claim 1 is characterized in that, described locating module comprises optical sensor, and described optical sensor comprises:
Light sensing front end is used for the light intensity variation that induction mobile payment terminal receives;
Light sensing processing unit is for the current location of judging portable terminal according to the photoinduction result of described smooth sensing front end.
5. mobile payment terminal according to claim 4 is characterized in that, described smooth sensing front end is arranged on the bonnet of mobile payment terminal.
6. mobile payment terminal according to claim 1 is characterized in that, described payment module is NFC functional module, RFID-SIM functional module or SIMPass functional module.
7. mobile payment terminal according to claim 1 is characterized in that, described mobile payment terminal is any one in mobile phone, personal digital assistant PDA, digital camera, notebook computer, PC, the panel computer.
8. a method of mobile payment is characterized in that, comprising:
Judge the current location of mobile payment terminal;
According to judged result, determine whether to allow to pay;
If allow to pay, then handle and with the mutual payment information of exterior terminal.
9. method of mobile payment according to claim 8 is characterized in that, the current location of described judgement mobile payment terminal comprises:
Induction user's touch;
Judge the current location of portable terminal according to the touch sensible result.
10. method of mobile payment according to claim 8 is characterized in that, the current location of described judgement mobile payment terminal comprises:
The light intensity that induction mobile payment terminal receives changes;
Judge the current location of portable terminal according to the photoinduction result.
11. method of mobile payment according to claim 8 is characterized in that, described mobile payment terminal is any one in mobile phone, personal digital assistant PDA, digital camera, notebook computer, PC, the panel computer.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011104568195A CN103186945A (en) | 2011-12-31 | 2011-12-31 | Mobile payment terminal and mobile payment method |
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| Application Number | Priority Date | Filing Date | Title |
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| CN2011104568195A CN103186945A (en) | 2011-12-31 | 2011-12-31 | Mobile payment terminal and mobile payment method |
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| CN103186945A true CN103186945A (en) | 2013-07-03 |
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| CN103413218A (en) * | 2013-08-07 | 2013-11-27 | 天地融科技股份有限公司 | Mobile terminal, NFC payment method, NFC payment device and NFC payment system |
| CN103985162A (en) * | 2014-04-14 | 2014-08-13 | 深圳市神州路路通网络科技有限公司 | Intelligent parking and payment system and method |
| CN104392352A (en) * | 2014-12-10 | 2015-03-04 | 京东方科技集团股份有限公司 | Intelligent wearable device and non-contact payment method |
| CN104820920A (en) * | 2015-04-30 | 2015-08-05 | 广东欧珀移动通信有限公司 | Method and apparatus for NFC safety payment |
| WO2015131747A1 (en) * | 2014-09-25 | 2015-09-11 | 中兴通讯股份有限公司 | Method and system for security protection of near field communication card swiping |
| CN105825379A (en) * | 2016-03-14 | 2016-08-03 | 广州衡昊数据科技有限公司 | Method and system preventing payment means from embezzlement |
| CN105894269A (en) * | 2016-03-30 | 2016-08-24 | 努比亚技术有限公司 | Payment code display device and method |
| WO2017185561A1 (en) * | 2016-04-26 | 2017-11-02 | 北京小米移动软件有限公司 | Information transmission control method and device, and smart terminal |
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| CN105825379A (en) * | 2016-03-14 | 2016-08-03 | 广州衡昊数据科技有限公司 | Method and system preventing payment means from embezzlement |
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| CN105894269B (en) * | 2016-03-30 | 2019-09-06 | 努比亚技术有限公司 | Payment code display device and method |
| WO2017185561A1 (en) * | 2016-04-26 | 2017-11-02 | 北京小米移动软件有限公司 | Information transmission control method and device, and smart terminal |
| US10433169B2 (en) | 2016-04-26 | 2019-10-01 | Beijing Xiamoi Mobile Software Co., Ltd. | Method and device for controlling information transmission, and smart terminal |
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Application publication date: 20130703 |