CN105765614A - Payment method and intelligent wristband - Google Patents
Payment method and intelligent wristband Download PDFInfo
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- CN105765614A CN105765614A CN201580002078.XA CN201580002078A CN105765614A CN 105765614 A CN105765614 A CN 105765614A CN 201580002078 A CN201580002078 A CN 201580002078A CN 105765614 A CN105765614 A CN 105765614A
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- Prior art keywords
- payment
- intelligent bracelet
- mobile terminal
- card
- mark
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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
- 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
- G06Q20/321—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wearable devices
-
- 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
- G06Q20/30—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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3229—Use of the SIM of a M-device as secure element
-
- 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
- G06Q20/30—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
- G06Q20/3278—RFID or NFC payments by means of M-devices
-
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
Abstract
Disclosed are a payment method and an intelligent wristband. According to the embodiment, a mobile terminal sends a payment request to a payment center; the payment center sends a payment identification to the intelligent wristband bound with the mobile terminal; the intelligent wristband receives and outputs the payment identification; and the mobile terminal scans the payment identification to complete payment. Payment is realized without quitting a current payment interface of the mobile terminal, and inputting the payment identification into the payment interface should be remembered. The intelligent wristband is convenient for a user to complete mobile payment, and ensures safety of payment.
Description
Technical field
The present invention relates to mobile payment technical field, particularly relate to a kind of method of payment and Intelligent bracelet.
Background technology
Along with weeding out the old and bring forth the new of the portable terminal such as mobile phone, panel computer, and the development of Internet technology, present people increasingly like moving payment, and this has brought very big facility.But, when people's formula terminal easy to use pays, in order to ensure the safety paid, paying centre can send the interim payment generated by modes such as notes and identify to portable terminal, user needs to go to note interface from current payment interface, checks note, and remembers that this payment identifies, then filling in payment interface or select to pay mark, this moves payment to people and brings inconvenience.
Summary of the invention
Embodiments provide a kind of method of payment and Intelligent bracelet, in order to user moves the safety paying and guaranteeing payment.
First aspect, it is provided that a kind of method of payment, is applied to Intelligent bracelet, and described method includes:
When mobile terminal sends payment request to paying centre, receiving the payment mark that described paying centre sends, wherein, described mobile terminal is bound with described Intelligent bracelet；
Exporting described payment to identify, so that paying mark described in described mobile scanning terminal, completing to pay.
In the implementation that the first is possible, described method also includes:
Mark according to the user identification module arranged in described Intelligent bracelet and described mobile terminal, sets up the binding relationship of described mobile terminal and described Intelligent bracelet；
Described binding relationship is sent to described paying centre.
In conjunction with the first possible implementation of first aspect or first aspect, in the implementation that the second is possible, described Intelligent bracelet includes chip card IC chip module, and described chip card IC chip module includes Payment Card amount information；
Described method also includes:
After described mobile terminal completes payment, show the current payment in described Payment Card and remaining sum.
In conjunction with the implementation that the second of first aspect is possible, in the implementation that the third is possible, described chip card IC chip module also includes Payment Card username and password；
Described method also includes:
The Payment Card username and password receiving described mobile terminal obtains request；
Described Payment Card username and password is sent to described mobile terminal.
The third possible implementation of the implementation possible in conjunction with the second of first aspect or first aspect, in the 4th kind of possible implementation, described method also includes:
Receiving the payment request of near field reader device, described payment request includes payment and receiving personnel mark；
To the banking system Sending Payments request associated with described Payment Card, described payment request includes payment, receiving personnel mark, Payment Card user, password；
After completing payment, show the current payment in described Payment Card and remaining sum.
Second aspect, it is provided that a kind of Intelligent bracelet, described Intelligent bracelet includes:
Receiving unit, for when mobile terminal sends payment request to paying centre, receiving the payment mark that described paying centre sends, wherein, described mobile terminal is bound with described Intelligent bracelet；
Output unit, being used for exporting described payment and identifies, so that paying mark described in described mobile scanning terminal, completing to pay.
In the implementation that the first is possible, described Intelligent bracelet also includes:
Binding unit, for the mark according to the user identification module arranged in described Intelligent bracelet and described mobile terminal, sets up the binding relationship of described mobile terminal and described Intelligent bracelet；
Transmitting element, is used for sending described binding relationship to described paying centre.
In conjunction with the first possible implementation of second aspect or second aspect, in the implementation that the second is possible, described Intelligent bracelet includes chip card IC chip module, and described chip card IC chip module includes Payment Card amount information；
Described output unit is additionally operable to:
After described mobile terminal completes payment, show the current payment in described Payment Card and remaining sum.
In conjunction with the implementation that the second of second aspect is possible, in the implementation that the third is possible, described reception unit is additionally operable to receive the payment request of near field reader device, and described payment request includes payment and receiving personnel mark；
Described transmitting element is additionally operable to the banking system Sending Payments request associated with described Payment Card, and described payment request includes payment, receiving personnel mark, Payment Card user, password；
Described output unit shows the current payment in described Payment Card and remaining sum after being additionally operable to payment.
The third possible implementation of the implementation possible in conjunction with the second of second aspect or second aspect, in the 4th kind of possible implementation, described Intelligent bracelet includes ring body, described reception unit, transmitting element and output unit are embedded in described ring body, and described chip card IC chip module is integrated or adheres on described ring body.
The third aspect, it is provided that a kind of Intelligent bracelet, described Intelligent bracelet includes input equipment, output device, memorizer and processor, and described processor performs following steps:
When mobile terminal sends payment request to paying centre, receiving the payment mark that described paying centre sends, wherein, described mobile terminal is bound with described Intelligent bracelet；
Exporting described payment to identify, so that paying mark described in described mobile scanning terminal, completing to pay.
In the implementation that the first is possible, described processor also executes the following steps:
Mark according to the user identification module arranged in described Intelligent bracelet and described mobile terminal, sets up the binding relationship of described mobile terminal and described Intelligent bracelet；
Described binding relationship is sent to described paying centre.
In conjunction with the first possible implementation of the third aspect or the third aspect, in the implementation that the second is possible, described Intelligent bracelet includes chip card IC chip module, and described chip card IC chip module includes Payment Card amount information；
Described processor also executes the following steps:
After described mobile terminal completes payment, show the current payment in described Payment Card and remaining sum.
In conjunction with the implementation that the second of the third aspect is possible, in the implementation that the third is possible, described chip card IC chip module also includes Payment Card username and password；
Described processor also executes the following steps:
The Payment Card username and password receiving described mobile terminal obtains request；
Described Payment Card username and password is sent to described mobile terminal.
The third possible implementation of the implementation possible in conjunction with the second of the third aspect or the third aspect, in the 4th kind of possible implementation, described processor also executes the following steps:
Receiving the payment request of near field reader device, described payment request includes payment and receiving personnel mark；
To the banking system Sending Payments request associated with described Payment Card, described payment request includes payment, receiving personnel mark, Payment Card user, password；
After completing payment, show the current payment in described Payment Card and remaining sum.
A kind of method of payment and the Intelligent bracelet of embodiment of the present invention offer are provided, have the advantages that
Ask when mobile terminal sends payment to paying centre, paying centre sends to the Intelligent bracelet with this mobile terminal binding and pays mark, Intelligent bracelet receives this payment and identifies and export, mobile terminal can scan this payment mark, complete to pay, it is not necessary to exit the current payment interface of mobile terminal, remember and pay mark in payment interface input, facilitate user to move payment, and ensure that the safety of payment.
Accompanying drawing explanation
In order to be illustrated more clearly that the embodiment of the present invention or technical scheme of the prior art, the accompanying drawing used required in embodiment will be briefly described 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 premise not paying creative work, it is also possible to obtain other accompanying drawing according to these accompanying drawings.
Fig. 1 is the structural representation of a kind of payment system that the present embodiments relate to；
The schematic flow sheet of a kind of method of payment that Fig. 2 provides for the embodiment of the present invention；
The schematic flow sheet of the another kind of method of payment that Fig. 3 provides for the embodiment of the present invention；
The structural representation of a kind of Intelligent bracelet that Fig. 4 provides for the embodiment of the present invention；
The structural representation of the another kind of Intelligent bracelet that Fig. 5 provides for the embodiment of the present invention.
Detailed description of the invention
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is clearly and completely described, it is clear that described embodiment is only a part of embodiment of the present invention, rather than whole embodiments.Based on the embodiment in the present invention, the every other embodiment that those of ordinary skill in the art obtain under not making creative work premise, broadly fall into the scope of protection of the invention.
The schematic flow sheet of a kind of method of payment that Fig. 2 provides for the embodiment of the present invention, the method comprises the following steps:
S101, when mobile terminal to paying centre send pay request time, receive described paying centre send payment mark.
As it is shown in figure 1, the structural representation that Fig. 1 is a kind of payment system that the present embodiments relate to, between the mobile terminal of user, Intelligent bracelet and paying centre or paying server, set up communication connection, and mobile terminal and Intelligent bracelet are bound.Connect typically via bluetooth or Wi-Fi between mobile terminal, Intelligent bracelet.
When moving payment on mobile terminals, after mobile terminal sends, to paying centre, the request of payment, paying centre sends to the Intelligent bracelet with this mobile terminal binding and pays mark, and Intelligent bracelet receives this payment mark.This payment mark can be bar code, Quick Response Code etc., for current transaction is verified.
S102, export described pay mark so that described in described mobile scanning terminal pay mark, complete pay.
Intelligent bracelet exports this payment mark, and mobile terminal can directly scan the payment mark in Intelligent bracelet, completes to pay.Scanning button can be set in the payment interface of mobile terminal, press this button, it is not necessary to exit current payment interface, and this payment mark can be scanned, remember to pay mark at note interface without user, and be input to current payment interface.
Mobile terminal has bigger screen, conveniently moves payment, and Intelligent bracelet then screen is less, is used for showing payment mark, by both cooperations easily, be conveniently accomplished transaction.
A kind of method of payment provided according to embodiments of the present invention, ask when mobile terminal sends payment to paying centre, paying centre sends to the Intelligent bracelet with this mobile terminal binding and pays mark, Intelligent bracelet receives this payment and identifies and export, and mobile terminal can scan this payment mark, completes to pay, without exiting the current payment interface of mobile terminal, remember and pay mark in payment interface input, facilitating user to move payment, and ensure that the safety of payment.
The schematic flow sheet of the another kind of method of payment that Fig. 3 provides for the embodiment of the present invention, the method comprises the following steps:
S201, according to the mark of user identification module arranged in Intelligent bracelet and mobile terminal, set up the binding relationship of described mobile terminal and described Intelligent bracelet.
S202, by described binding relationship send to paying centre.
Intelligent bracelet, mobile terminal are generally provided with user identification module, namely SIM is installed, the available SIM mark of Intelligent bracelet, mobile terminal sets up binding relationship between the two, and this binding relationship is sent to paying centre or paying server storage, paying centre can identify the mark of the opposing party that inquiry is bound with it according to the SIM of either one.
S203, receive described mobile terminal Payment Card username and password obtain request.
S204, to described mobile terminal send described Payment Card username and password.
Also can arranging chip card IC chip module in Intelligent bracelet, Intelligent bracelet includes ring body, and its Main functional units is all arranged in this ring body, and this chip card IC chip module can be integrated or adhere on this ring body.Chip card IC chip module can store Payment Card username and password, when the Payment Card username and password receiving mobile terminal obtains request, can send Payment Card username and password to mobile terminal, input without user.
S205, when mobile terminal to paying centre send pay request time, receive described paying centre send payment mark.
When moving payment on mobile terminals, after mobile terminal sends, to paying centre, the request of payment, paying centre sends to the Intelligent bracelet with this mobile terminal binding and pays mark, and Intelligent bracelet receives this payment mark.This payment mark can be bar code, Quick Response Code etc., for current transaction is verified.
S206, export described pay mark so that described in described mobile scanning terminal pay mark, complete pay.
Intelligent bracelet exports this payment mark, and mobile terminal can directly scan the payment mark in Intelligent bracelet, completes to pay.Scanning button can be set in the payment interface of mobile terminal, press this button, it is not necessary to exit current payment interface, and this payment mark can be scanned, remember to pay mark at note interface without user, and be input to current payment interface.
Mobile terminal has bigger screen, conveniently moves payment, and Intelligent bracelet then screen is less, is used for showing payment mark, by both cooperations easily, be conveniently accomplished transaction.
S207, the current payment shown in described Payment Card and remaining sum.
Chip card IC chip module can also store Payment Card amount information, after mobile terminal completes payment, the chip card IC chip module of Intelligent bracelet receives withholing of paying centre, and Intelligent bracelet can show the current payment in Payment Card and remaining sum.
S208, receive the payment request of near field reader device.
Described payment request includes payment and receiving personnel mark.
S209, to associate with described Payment Card banking system Sending Payments request.
Described payment request includes payment, receiving personnel mark, Payment Card user, password.
S210, complete pay after, show the current payment in described Payment Card and remaining sum.
Intelligent bracelet can also complete near field and pay, and namely chip card IC chip module is that near-end pays smart card, by paying reader contact with near field, can complete near field payment function.User, without drawing out mobile phone or bank card, mass transit card, can be easily accomplished near field and pay.
Certainly, step S208-S210 is optional step.
A kind of method of payment provided according to embodiments of the present invention, ask when mobile terminal sends payment to paying centre, paying centre sends to the Intelligent bracelet with this mobile terminal binding and pays mark, Intelligent bracelet receives this payment and identifies and export, and mobile terminal can scan this payment mark, completes to pay, without exiting the current payment interface of mobile terminal, remember and pay mark in payment interface input, facilitating user to move payment, and ensure that the safety of payment；And Intelligent bracelet also includes chip card IC chip module, Payment Card amount information, Payment Card username and password can be stored, Payment Card username and password can be sent to mobile terminal, the safety guaranteed payment, and the current amount of money paid and remaining sum can be shown, it is also with chip card IC chip module and carries out near field payment.
The schematic flow sheet of a kind of method of payment that Fig. 2 provides for the embodiment of the present invention, the method comprises the following steps:
S101, when mobile terminal to paying centre send pay request time, receive described paying centre send payment mark.
As it is shown in figure 1, the structural representation that Fig. 1 is a kind of payment system that the present embodiments relate to, between the mobile terminal of user, Intelligent bracelet and paying centre or paying server, set up communication connection, and mobile terminal and Intelligent bracelet are bound.Connect typically via bluetooth or Wi-Fi between mobile terminal, Intelligent bracelet.
When moving payment on mobile terminals, after mobile terminal sends, to paying centre, the request of payment, paying centre sends to the Intelligent bracelet with this mobile terminal binding and pays mark, and Intelligent bracelet receives this payment mark.This payment mark can be bar code, Quick Response Code etc., for current transaction is verified.
S102, export described pay mark so that described in described mobile scanning terminal pay mark, complete pay.
Intelligent bracelet exports this payment mark, and mobile terminal can directly scan the payment mark in Intelligent bracelet, completes to pay.Scanning button can be set in the payment interface of mobile terminal, press this button, it is not necessary to exit current payment interface, and this payment mark can be scanned, remember to pay mark at note interface without user, and be input to current payment interface.
Mobile terminal has bigger screen, conveniently moves payment, and Intelligent bracelet then screen is less, is used for showing payment mark, by both cooperations easily, be conveniently accomplished transaction.
A kind of method of payment provided according to embodiments of the present invention, ask when mobile terminal sends payment to paying centre, paying centre sends to the Intelligent bracelet with this mobile terminal binding and pays mark, Intelligent bracelet receives this payment and identifies and export, and mobile terminal can scan this payment mark, completes to pay, without exiting the current payment interface of mobile terminal, remember and pay mark in payment interface input, facilitating user to move payment, and ensure that the safety of payment.
The schematic flow sheet of the another kind of method of payment that Fig. 3 provides for the embodiment of the present invention, the method comprises the following steps:
S201, according to the mark of user identification module arranged in Intelligent bracelet and mobile terminal, set up the binding relationship of described mobile terminal and described Intelligent bracelet.
S202, by described binding relationship send to paying centre.
Intelligent bracelet, mobile terminal are generally provided with user identification module, namely SIM is installed, the available SIM mark of Intelligent bracelet, mobile terminal sets up binding relationship between the two, and this binding relationship is sent to paying centre or paying server storage, paying centre can identify the mark of the opposing party that inquiry is bound with it according to the SIM of either one.
S203, receive described mobile terminal Payment Card username and password obtain request.
S204, to described mobile terminal send described Payment Card username and password.
Also can arranging chip card IC chip module in Intelligent bracelet, Intelligent bracelet includes ring body, and its Main functional units is all arranged in this ring body, and this chip card IC chip module can be integrated or adhere on this ring body.Chip card IC chip module can store Payment Card username and password, when the Payment Card username and password receiving mobile terminal obtains request, can send Payment Card username and password to mobile terminal, input without user.
S205, when mobile terminal to paying centre send pay request time, receive described paying centre send payment mark.
When moving payment on mobile terminals, after mobile terminal sends, to paying centre, the request of payment, paying centre sends to the Intelligent bracelet with this mobile terminal binding and pays mark, and Intelligent bracelet receives this payment mark.This payment mark can be bar code, Quick Response Code etc., for current transaction is verified.
S206, export described pay mark so that described in described mobile scanning terminal pay mark, complete pay.
Intelligent bracelet exports this payment mark, and mobile terminal can directly scan the payment mark in Intelligent bracelet, completes to pay.Scanning button can be set in the payment interface of mobile terminal, press this button, it is not necessary to exit current payment interface, and this payment mark can be scanned, remember to pay mark at note interface without user, and be input to current payment interface.
Mobile terminal has bigger screen, conveniently moves payment, and Intelligent bracelet then screen is less, is used for showing payment mark, by both cooperations easily, be conveniently accomplished transaction.
S207, the current payment shown in described Payment Card and remaining sum.
Chip card IC chip module can also store Payment Card amount information, after mobile terminal completes payment, the chip card IC chip module of Intelligent bracelet receives withholing of paying centre, and Intelligent bracelet can show the current payment in Payment Card and remaining sum.
S208, receive the payment request of near field reader device.
Described payment request includes payment and receiving personnel mark.
S209, to associate with described Payment Card banking system Sending Payments request.
Described payment request includes payment, receiving personnel mark, Payment Card user, password.
S210, complete pay after, show the current payment in described Payment Card and remaining sum.
Intelligent bracelet can also complete near field and pay, and namely chip card IC chip module is that near-end pays smart card, by paying reader contact with near field, can complete near field payment function.User, without drawing out mobile phone or bank card, mass transit card, can be easily accomplished near field and pay.
Certainly, step S208-S210 is optional step.
A kind of method of payment provided according to embodiments of the present invention, ask when mobile terminal sends payment to paying centre, paying centre sends to the Intelligent bracelet with this mobile terminal binding and pays mark, Intelligent bracelet receives this payment and identifies and export, and mobile terminal can scan this payment mark, completes to pay, without exiting the current payment interface of mobile terminal, remember and pay mark in payment interface input, facilitating user to move payment, and ensure that the safety of payment；And Intelligent bracelet also includes chip card IC chip module, Payment Card amount information, Payment Card username and password can be stored, Payment Card username and password can be sent to mobile terminal, the safety guaranteed payment, and the current amount of money paid and remaining sum can be shown, it is also with chip card IC chip module and carries out near field payment.
The structural representation of a kind of Intelligent bracelet that Fig. 4 provides for the embodiment of the present invention, this Intelligent bracelet 300 includes: receive unit 33 and output unit 34, interconnect between them, in addition, this Intelligent bracelet 300 may also include binding unit 31, transmitting element 32, and binding unit 31, transmitting element 32, reception unit 33 and output unit 34 are sequentially connected with.These unit are positioned on the ring body of Intelligent bracelet, Intelligent bracelet may also include chip card IC chip module (not shown), this chip card IC chip module all can be connected with above unit, and this chip card IC chip module is integrated or adheres on ring body.
Receive unit 33, for when mobile terminal sends payment request to paying centre, receiving the payment mark that described paying centre sends.
As it is shown in figure 1, the structural representation that Fig. 1 is a kind of payment system that the present embodiments relate to, between the mobile terminal of user, Intelligent bracelet and paying centre or paying server, set up communication connection, and mobile terminal and Intelligent bracelet are bound.Connect typically via bluetooth or Wi-Fi between mobile terminal, Intelligent bracelet.
When moving payment on mobile terminals, after mobile terminal sends, to paying centre, the request of payment, paying centre sends to the Intelligent bracelet with this mobile terminal binding and pays mark, and Intelligent bracelet receives this payment mark.This payment mark can be bar code, Quick Response Code etc., for current transaction is verified.
Output unit 34, being used for exporting described payment and identifies, so that paying mark described in described mobile scanning terminal, completing to pay.
Intelligent bracelet exports this payment mark, and mobile terminal can directly scan the payment mark in Intelligent bracelet, completes to pay.Scanning button can be set in the payment interface of mobile terminal, press this button, it is not necessary to exit current payment interface, and this payment mark can be scanned, remember to pay mark at note interface without user, and be input to current payment interface.
Mobile terminal has bigger screen, conveniently moves payment, and Intelligent bracelet then screen is less, is used for showing payment mark, by both cooperations easily, be conveniently accomplished transaction.
Further, Intelligent bracelet also has following functions:
Binding unit 31, for the mark according to the user identification module arranged in Intelligent bracelet and mobile terminal, sets up the binding relationship of described mobile terminal and described Intelligent bracelet.
Transmitting element 32, for sending described binding relationship to paying centre.
Intelligent bracelet, mobile terminal are generally provided with user identification module, namely SIM is installed, the available SIM mark of Intelligent bracelet, mobile terminal sets up binding relationship between the two, and this binding relationship is sent to paying centre or paying server storage, paying centre can identify the mark of the opposing party that inquiry is bound with it according to the SIM of either one.
Receive unit 33 and be additionally operable to receive the Payment Card username and password acquisition request of described mobile terminal.
Transmitting element 32 is additionally operable to send described Payment Card username and password to described mobile terminal.
Also can arranging chip card IC chip module in Intelligent bracelet, Intelligent bracelet includes ring body, and its Main functional units is all arranged in this ring body, and this chip card IC chip module can be integrated or adhere on this ring body.Chip card IC chip module can store Payment Card username and password, when the Payment Card username and password receiving mobile terminal obtains request, can send Payment Card username and password to mobile terminal, input without user.
Output unit 34 is additionally operable to the current payment and the remaining sum that show in described Payment Card.
Chip card IC chip module can also store Payment Card amount information, after mobile terminal completes payment, the chip card IC chip module of Intelligent bracelet receives withholing of paying centre, and Intelligent bracelet can show the current payment in Payment Card and remaining sum.
Receive unit 33 and be additionally operable to receive the payment request of near field reader device.
Described payment request includes payment and receiving personnel mark.
Transmitting element 32 is additionally operable to the banking system Sending Payments request associated with described Payment Card.
Described payment request includes payment, receiving personnel mark, Payment Card user, password.
Output unit 34 shows the current payment in described Payment Card and remaining sum after being additionally operable to payment.
Intelligent bracelet can also complete near field and pay, and namely chip card IC chip module is that near-end pays smart card, by paying reader contact with near field, can complete near field payment function.User, without drawing out mobile phone or bank card, mass transit card, can be easily accomplished near field and pay.
Certainly, near field pays is optional function.
A kind of Intelligent bracelet provided according to embodiments of the present invention, ask when mobile terminal sends payment to paying centre, paying centre sends to the Intelligent bracelet with this mobile terminal binding and pays mark, Intelligent bracelet receives this payment and identifies and export, and mobile terminal can scan this payment mark, completes to pay, without exiting the current payment interface of mobile terminal, remember and pay mark in payment interface input, facilitating user to move payment, and ensure that the safety of payment；And Intelligent bracelet also includes chip card IC chip module, Payment Card amount information, Payment Card username and password can be stored, Payment Card username and password can be sent to mobile terminal, the safety guaranteed payment, and the current amount of money paid and remaining sum can be shown, it is also with chip card IC chip module and carries out near field payment.
The structural representation of the another kind of Intelligent bracelet that Fig. 5 provides for the embodiment of the present invention, this Intelligent bracelet 400 comprises the steps that
Input equipment 41, output device 42, memorizer 43 and processor 44 (quantity of the processor 44 in the network equipment can be one or more, for a processor in Fig. 5).In some embodiments of the invention, input equipment 41, output device 42, memorizer 43 and processor 44 can pass through bus or alternate manner connects, wherein, to be connected as example by bus in Fig. 5.
Wherein, processor 44 is used for performing following steps:
When mobile terminal sends payment request to paying centre, receiving the payment mark that described paying centre sends, wherein, described mobile terminal is bound with described Intelligent bracelet；
Exporting described payment to identify, so that paying mark described in described mobile scanning terminal, completing to pay.
In the implementation that the first is possible, described processor also executes the following steps:
Mark according to the user identification module arranged in described Intelligent bracelet and described mobile terminal, sets up the binding relationship of described mobile terminal and described Intelligent bracelet；
Described binding relationship is sent to described paying centre.
In the implementation that the second is possible, described Intelligent bracelet includes chip card IC chip module, and described chip card IC chip module includes Payment Card amount information；
Described processor also executes the following steps:
After described mobile terminal completes payment, show the current payment in described Payment Card and remaining sum.
In the implementation that the third is possible, described chip card IC chip module also includes Payment Card username and password；
Described processor also executes the following steps:
The Payment Card username and password receiving described mobile terminal obtains request；
Described Payment Card username and password is sent to described mobile terminal.
In the 4th kind of possible implementation, described processor also executes the following steps:
Receiving the payment request of near field reader device, described payment request includes payment and receiving personnel mark；
To the banking system Sending Payments request associated with described Payment Card, described payment request includes payment, receiving personnel mark, Payment Card user, password；
After completing payment, show the current payment in described Payment Card and remaining sum.
A kind of Intelligent bracelet provided according to embodiments of the present invention, ask when mobile terminal sends payment to paying centre, paying centre sends to the Intelligent bracelet with this mobile terminal binding and pays mark, Intelligent bracelet receives this payment and identifies and export, and mobile terminal can scan this payment mark, completes to pay, without exiting the current payment interface of mobile terminal, remember and pay mark in payment interface input, facilitating user to move payment, and ensure that the safety of payment；And Intelligent bracelet also includes chip card IC chip module, Payment Card amount information, Payment Card username and password can be stored, Payment Card username and password can be sent to mobile terminal, the safety guaranteed payment, and the current amount of money paid and remaining sum can be shown, it is also with chip card IC chip module and carries out near field payment.
It should be noted that, for aforesaid each embodiment of the method, in order to be briefly described, therefore it is all expressed as a series of combination of actions, but those skilled in the art should know, the present invention is not by the restriction of described sequence of movement, because according to the present invention, some step can adopt other orders or carry out simultaneously.Secondly, those skilled in the art also should know, embodiment described in this description belongs to preferred embodiment, necessary to involved action and the module not necessarily present invention.
In the above-described embodiments, the description of each embodiment is all emphasized particularly on different fields, certain embodiment there is no the part described in detail, it is possible to referring to the associated description of other embodiments.
Step in embodiment of the present invention method can carry out order according to actual needs and adjust, merges and delete.
Unit in embodiment of the present invention device can merge according to actual needs, divides and delete.The feature of the different embodiments described in this specification and different embodiment can be carried out combining or combining by those skilled in the art.
Through the above description of the embodiments, those skilled in the art is it can be understood that can realize with hardware to the present invention, or firmware realizes, or their compound mode realizes.When implemented in software, it is possible to above-mentioned functions is stored in computer-readable medium or is transmitted as the one or more instructions on computer-readable medium or code.Computer-readable medium includes computer-readable storage medium and communication media, and wherein communication media includes being easy to any medium of transmission computer program from a place to another place.Storage medium can be any usable medium that computer can access.As example but be not limited to: computer-readable medium can include random access memory (RandomAccessMemory, RAM), read only memory (Read-OnlyMemory, ROM), EEPROM (ElectricallyErasableProgrammableRead-OnlyMemory, EEPROM), read-only optical disc (CompactDiscRead-OnlyMemory, or other optical disc storage CD-ROM), magnetic disk storage medium or other magnetic storage apparatus, or can be used in carrying or store the desired program code with instruction or data structure form can by any other medium of computer access.In addition.Any connection can be suitable become computer-readable medium.Such as, if software is to use coaxial cable, optical fiber cable, twisted-pair feeder, Digital Subscriber Line (DigitalSubscriberLine, DSL) or the wireless technology of such as infrared ray, radio and microwave etc from website, server or other remote source, then the wireless technology of coaxial cable, optical fiber cable, twisted-pair feeder, DSL or such as infrared ray, wireless and microwave etc include affiliated medium fixing in.As used in the present invention, dish (Disk) and dish (disc) include compression laser disc (CD), laser dish, laser disc, Digital Versatile Disc (DVD), floppy disk and Blu-ray Disc, the duplication data of the usual magnetic of its mid-game, dish then carrys out the duplication data of optics with laser.Above combination above should also be as including within the protection domain of computer-readable medium.
In a word, the foregoing is only the preferred embodiment of technical solution of the present invention, be not intended to limit protection scope of the present invention.All within the spirit and principles in the present invention, any amendment of making, equivalent replacement, improvement etc., should be included within protection scope of the present invention.
Claims (15)
1. a method of payment, is applied to Intelligent bracelet, it is characterised in that described method includes:
When mobile terminal sends payment request to paying centre, receiving the payment mark that described paying centre sends, wherein, described mobile terminal is bound with described Intelligent bracelet；
Exporting described payment to identify, so that paying mark described in described mobile scanning terminal, completing to pay.
2. the method for claim 1, it is characterised in that described method also includes:
Mark according to the user identification module arranged in described Intelligent bracelet and described mobile terminal, sets up the binding relationship of described mobile terminal and described Intelligent bracelet；
Described binding relationship is sent to described paying centre.
3. method as claimed in claim 1 or 2, it is characterised in that described Intelligent bracelet includes chip card IC chip module, and described chip card IC chip module includes Payment Card amount information；
Described method also includes:
After described mobile terminal completes payment, show the current payment in described Payment Card and remaining sum.
4. method as claimed in claim 3, it is characterised in that also include Payment Card username and password in described chip card IC chip module；
Described method also includes:
The Payment Card username and password receiving described mobile terminal obtains request；
Described Payment Card username and password is sent to described mobile terminal.
5. method as claimed in claim 4, it is characterised in that described method also includes:
Receiving the payment request of near field reader device, described payment request includes payment and receiving personnel mark；
To the banking system Sending Payments request associated with described Payment Card, described payment request includes payment, receiving personnel mark, Payment Card user, password；
After completing payment, show the current payment in described Payment Card and remaining sum.
6. an Intelligent bracelet, it is characterised in that described Intelligent bracelet includes:
Receiving unit, for when mobile terminal sends payment request to paying centre, receiving the payment mark that described paying centre sends, wherein, described mobile terminal is bound with described Intelligent bracelet；
Output unit, being used for exporting described payment and identifies, so that paying mark described in described mobile scanning terminal, completing to pay.
7. Intelligent bracelet as claimed in claim 6, it is characterised in that described Intelligent bracelet also includes:
Binding unit, for the mark according to the user identification module arranged in described Intelligent bracelet and described mobile terminal, sets up the binding relationship of described mobile terminal and described Intelligent bracelet；
Transmitting element, for sending described binding relationship to described paying centre.
8. Intelligent bracelet as claimed in claim 6, it is characterised in that described Intelligent bracelet includes chip card IC chip module, and described chip card IC chip module includes Payment Card amount information；
Described output unit is additionally operable to:
After described mobile terminal completes payment, show the current payment in described Payment Card and remaining sum.
9. Intelligent bracelet as claimed in claim 8, it is characterised in that:
Described reception unit is additionally operable to receive the payment request of near field reader device, and described payment request includes payment and receiving personnel mark；
Described transmitting element is additionally operable to the banking system Sending Payments request associated with described Payment Card, and described payment request includes payment, receiving personnel mark, Payment Card user, password；
Described output unit shows the current payment in described Payment Card and remaining sum after being additionally operable to payment.
10. Intelligent bracelet as claimed in claim 8 or 9, it is characterized in that, described Intelligent bracelet includes ring body, and described reception unit, transmitting element and output unit are embedded in described ring body, and described chip card IC chip module is integrated or adheres on described ring body.
11. an Intelligent bracelet, described Intelligent bracelet includes input equipment, output device, memorizer and processor, it is characterised in that described processor performs following steps:
When mobile terminal sends payment request to paying centre, receiving the payment mark that described paying centre sends, wherein, described mobile terminal is bound with described Intelligent bracelet；
Exporting described payment to identify, so that paying mark described in described mobile scanning terminal, completing to pay.
12. Intelligent bracelet as claimed in claim 11, it is characterised in that described processor also executes the following steps:
Mark according to the user identification module arranged in described Intelligent bracelet and described mobile terminal, sets up the binding relationship of described mobile terminal and described Intelligent bracelet；
Described binding relationship is sent to described paying centre.
13. the Intelligent bracelet as described in claim 11 or 12, it is characterised in that described Intelligent bracelet includes chip card IC chip module, and described chip card IC chip module includes Payment Card amount information；
Described processor also executes the following steps:
After described mobile terminal completes payment, show the current payment in described Payment Card and remaining sum.
14. Intelligent bracelet as claimed in claim 13, it is characterised in that also include Payment Card username and password in described chip card IC chip module；
Described processor also executes the following steps:
The Payment Card username and password receiving described mobile terminal obtains request；
Described Payment Card username and password is sent to described mobile terminal.
15. Intelligent bracelet as claimed in claim 14, it is characterised in that described processor also executes the following steps:
Receiving the payment request of near field reader device, described payment request includes payment and receiving personnel mark；
To the banking system Sending Payments request associated with described Payment Card, described payment request includes payment, receiving personnel mark, Payment Card user, password；
After completing payment, show the current payment in described Payment Card and remaining sum.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2015/090406 WO2017049478A1 (en) | 2015-09-23 | 2015-09-23 | Payment method and smart wristband |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105765614A true CN105765614A (en) | 2016-07-13 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201580002078.XA Pending CN105765614A (en) | 2015-09-23 | 2015-09-23 | Payment method and intelligent wristband |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN105765614A (en) |
| WO (1) | WO2017049478A1 (en) |
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| CN107784497A (en) * | 2017-11-22 | 2018-03-09 | 出门问问信息科技有限公司 | NFC payment and wearable device based on wearable device |
| CN109191130A (en) * | 2018-07-20 | 2019-01-11 | 中国建设银行股份有限公司 | Bracelet binding method and related system, device, storage medium and method of payment |
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| CN104182871A (en) * | 2014-02-19 | 2014-12-03 | 钟一鸣 | Mobile payment system and smart wristband |
| CN104601327A (en) * | 2013-12-30 | 2015-05-06 | 腾讯科技（深圳）有限公司 | Safe verification method, relative apparatus and system |
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| CN101236675A (en) * | 2008-01-30 | 2008-08-06 | 信雅达系统工程股份有限公司 | Method for checking bank terminal equipment legitimacy by user mobile phones SMS |
| US20150120573A1 (en) * | 2013-10-31 | 2015-04-30 | Tencent Technology (Shenzhen) Company Limited | Information processing method, device and system |
| CN104751332A (en) * | 2013-12-26 | 2015-07-01 | 腾讯科技（深圳）有限公司 | Information registration method, terminal, server and information registration system |
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2015
- 2015-09-23 WO PCT/CN2015/090406 patent/WO2017049478A1/en active Application Filing
- 2015-09-23 CN CN201580002078.XA patent/CN105765614A/en active Pending
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN104601327A (en) * | 2013-12-30 | 2015-05-06 | 腾讯科技（深圳）有限公司 | Safe verification method, relative apparatus and system |
| CN104182871A (en) * | 2014-02-19 | 2014-12-03 | 钟一鸣 | Mobile payment system and smart wristband |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107784497A (en) * | 2017-11-22 | 2018-03-09 | 出门问问信息科技有限公司 | NFC payment and wearable device based on wearable device |
| CN109191130A (en) * | 2018-07-20 | 2019-01-11 | 中国建设银行股份有限公司 | Bracelet binding method and related system, device, storage medium and method of payment |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2017049478A1 (en) | 2017-03-30 |
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Effective date of registration: 20190513 Address after: 518000 Yuanzheng Industrial Park, North of Fifth Avenue, Bantian Street, Longgang District, Shenzhen City, Guangdong Province Applicant after: Yuanzheng Science and Technology Co., Ltd., Shenzhen City Address before: 518000 Shenzhen, Guangdong province Longgang District ban Xue Gang Industrial Zone five and Avenue North Yuan Zheng Industrial Park. Applicant before: HESVIT HEALTH TECH CO., LTD. |
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