CN106447322A - Mobile payment method and device - Google Patents
Mobile payment method and device Download PDFInfo
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- CN106447322A CN106447322A CN201610875011.3A CN201610875011A CN106447322A CN 106447322 A CN106447322 A CN 106447322A CN 201610875011 A CN201610875011 A CN 201610875011A CN 106447322 A CN106447322 A CN 106447322A
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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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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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
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
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Abstract
The invention discloses a mobile payment method and a device. The device comprises a payment processing module for receiving a payment request containing first payment amount, and judging whether current balance of a local terminal user is smaller than the first payment amount; a user selecting module for, while the current balance of the local terminal user is smaller than the first payment amount, selecting one user from the users associated with the local terminal user as an agent payment user; and a co-payment module for performing the mobile payment together by the local terminal and the terminal of the agent payment user. The device is capable of performing the operation of multi-user co-payment, so the mobile payment is more convenient and humanized.
Description
Technical field
The present invention relates to mobile payment technical field, more particularly, to a kind of method of mobile payment and device.
Background technology
Mobile payment (also known as：Mobile-phone payment), it is a kind of means of payment risen in recent years.User need not carry cash
Or bank card, only just can need to realize the commodity consumed or service are paid by mobile terminal.Mobile payment
Belong to the category of E-Payment, very convenient to use.No matter being that near field pays, such as NFC (Near Field
Communication, the short distance wireless communication technology), or far field pays, such as Alipay or wechat etc. instrument, its
Essence is all by the bank card binding of user to corresponding hardware or software by certain cipher mode so that mobile eventually
Hardware on end itself or the software installed have payment function.
Mobile payment is more quick than traditional swiping card mode, particularly pays in scene in far field, is used as using software
Pay transfer platform, beneficiary does not need to consume extra one-tenth and originally configured hardware used by gathering, only needs to barcode scanning soft during payment
The dynamic two-dimension code that part generates, you can complete to pay.Mobile payment is easily quick, but, current mobile payment can only be led to
Cross a user account to be paid, when the current balance of described user account is not enough it is impossible to invite other users help altogether
Complete together to pay.
Content of the invention
Present invention is primarily targeted at proposing a kind of method of mobile payment and device, many people can be invited to carry out propping up simultaneously
Pay operation.
For achieving the above object, a kind of mobile payment device that the present invention provides, including：
Payment processes module, for receiving the payment request comprising the first payment, and judges local terminal user's
Whether current balance is less than described first payment；
User's selecting module, is less than the feelings of described first payment for the current balance in described local terminal user
Under condition, a user is selected to pay user as paying out from the user relevant with local terminal user；
Common payment module, for jointly being moved and being propped up by described local terminal and the described terminal paying out pair user
Pay.
Further, described user's selecting module, is additionally operable to：
Send association request to the terminal of the user setting, and by described local terminal user and accept described association request
User set up incidence relation.
Further, described user's selecting module, specifically for：
According to one of following three kinds of modes, a user is selected to make from the user relevant with local terminal user
Pay user for paying out：
The first, select the most user of current balance as generation from the user relevant with local terminal user
Pay user；
Second, selects the highest-ranking user of authority as paying out in the user relevant with local terminal user
Pay user；Described Permission Levels are that local terminal user is respectively each user setup relevant with local terminal user
Permission Levels；
The third, from the user relevant with local terminal user select and local terminal user contact most frequent
User as pay out pay a user.
Further, described common payment module, specifically includes：
Amount of money arranging unit, needs the second payment of payment and described paying out to pay use for arranging local terminal user
Family needs the 3rd payment paying；Described second payment and described 3rd payment sum are equal to described first
Pay the amount of money；
Pay Tip element, for pointing out local terminal user to move payment according to described second payment, and
Pay out the terminal transmission paying user to described for payment instruction, described generation payment instruction includes：The mark of described local terminal user
Knowledge information and described 3rd payment, pay user and move according to described 3rd payment to pay out described in pointing out
Pay；
Receive information unit, pays successful information and pays out pair user's payment successful information for receiving local terminal user
To complete described mobile payment.
Further, described amount of money arranging unit, specifically for：
The current balance of described local terminal user is set to the second payment, by described first payment and institute
The difference stating the second payment is set to described 3rd payment；Or,
Described second payment of allocation proportion setting that described first payment is set according to described local terminal user
The amount of money and described 3rd payment.
Additionally, for achieving the above object, the present invention also proposes a kind of method of mobile payment, including：
Receive the payment request comprising the first payment, and judge the current balance of local terminal user whether less than institute
State the first payment；
Described local terminal user current balance be less than described first payment in the case of, from local terminal
A user is selected to pay user as paying out in the relevant user of user；
Payment is jointly moved by described local terminal and the described terminal paying out pair user.
Further, set up the incidence relation with local terminal user as follows：
Send association request to the terminal of the user setting, and by described local terminal user and accept described association request
User set up incidence relation.
Further, according to one of following three kinds of modes, select from the user relevant with local terminal user
One user pays user as paying out：
The first, select the most user of current balance as generation from the user relevant with local terminal user
Pay user；
Second, selects the highest-ranking user of authority as paying out in the user relevant with local terminal user
Pay user；Described Permission Levels are that local terminal user is respectively each user setup relevant with local terminal user
Permission Levels；
The third, from the user relevant with local terminal user select and local terminal user contact most frequent
User as pay out pay a user.
Further, described by described local terminal and described pay out pay user terminal jointly move payment,
Including：
Arranging local terminal user needs the second payment paying and described paying out to pay the 3rd of user's needs payment
Payment；Described second payment and described 3rd payment sum are equal to described first payment；
Prompting local terminal user moves payment according to described second payment, and pays user's to described paying out
Terminal sends for payment instruction, and described generation payment instruction includes：The identification information of described local terminal user and described 3rd
Pay the amount of money, pay a user and move payment according to described 3rd payment to pay out described in pointing out；
Reception local terminal user payment successful information is propped up with completing described movement with paying out pair user's payment successful information
Pay.
Further, described setting local terminal user need pay the second payment and described pay out pay user need
3rd payment to be paid, including：
The current balance of described local terminal user is set to the second payment, by described first payment and institute
The difference stating the second payment is set to described 3rd payment；Or,
Described second payment of allocation proportion setting that described first payment is set according to described local terminal user
The amount of money and described 3rd payment.
Method of mobile payment proposed by the present invention and device, in local terminal user when moving payment, once go out
When the current balance of existing local terminal user is not enough to the situation completing mobile payment, can be automatically from relevant with local terminal user
Select user to pay a user as paying out in the user of connection relation, and by Pay Bill be pushed to described in pay out and pay a user, from
And by described local terminal user and described pay out pay a user jointly complete this mobile payment operation.Local terminal user is also
The amount of money that local terminal user can be needed with payment needs the amount of money paying to be configured with paying out pair user.The present invention can enter
The common operation paying of the many people of row is so that mobile payment is more convenient, more humane.
Brief description
Fig. 1 is the hardware architecture diagram of a kind of optional mobile terminal realizing each embodiment of the present invention；
Fig. 2 is the wireless communication system schematic diagram of mobile terminal as shown in Figure 1；
Fig. 3 is the composition structural representation of the mobile payment device of first embodiment of the invention；
Fig. 4 is the composition structural representation of the mobile payment device of second embodiment of the invention；
Fig. 5 is the flow chart of the method for mobile payment of third embodiment of the invention；
Fig. 6 is the flow chart of the method for mobile payment of fourth embodiment of the invention；
The realization of the object of the invention, functional characteristics and advantage will be described further in conjunction with the embodiments referring to the drawings.
Specific embodiment
It should be appreciated that specific embodiment described herein, only in order to explain the present invention, is not intended to limit the present invention.
Realize the mobile terminal of each embodiment of the present invention referring now to Description of Drawings.In follow-up description, use
For represent element such as " module ", " part " or " unit " suffix only for being conducive to the explanation of the present invention, itself
Not specific meaning.Therefore, " module " and " part " can mixedly use.
Mobile terminal can be implemented in a variety of manners.For example, the terminal described in the present invention can include such as moving
Phone, smart phone, notebook computer, digit broadcasting receiver, PDA (personal digital assistant), PAD (panel computer), PMP
The mobile terminal of (portable media player), guider etc. and such as numeral TV, desk computer etc. consolidate
Determine terminal.Hereinafter it is assumed that terminal is mobile terminal.However, it will be understood by those skilled in the art that, except being used in particular for moving
Outside the element of purpose, construction according to the embodiment of the present invention can also apply to the terminal of fixed type.
Fig. 1 is that the hardware configuration of a kind of optional mobile terminal realizing each embodiment of the present invention is illustrated.
Mobile terminal 1 00 can include wireless communication unit 110, A/V (audio/video) input block 120, user input
Unit 130, sensing unit 140, output unit 150, memorizer 160, interface unit 170, controller 180 and power subsystem 190
Etc..Fig. 1 shows the mobile terminal with various assemblies, it should be understood that being not required for implementing all groups illustrating
Part.More or less of assembly can alternatively be implemented.Will be discussed in more detail below the element of mobile terminal.
Wireless communication unit 110 generally includes one or more assemblies, and it allows mobile terminal 1 00 and wireless communication system
Or the radio communication between network.For example, wireless communication unit can include broadcasting reception module 111, mobile communication module
112nd, at least one of wireless Internet module 113, short range communication module 114 and location information module 115.
Broadcasting reception module 111 receives broadcast singal and/or broadcast via broadcast channel from external broadcast management server
Relevant information.Broadcast channel can include satellite channel and/or terrestrial channel.Broadcast management server can be generated and sent
The broadcast singal generating before the server of broadcast singal and/or broadcast related information or reception and/or broadcast related information
And send it to the server of terminal.Broadcast singal can include TV broadcast singal, radio signals, data broadcasting
Signal etc..And, broadcast singal may further include the broadcast singal combining with TV or radio signals.Broadcast phase
Pass information can also provide via mobile communications network, and in this case, broadcast related information can be by mobile communication mould
Block 112 is receiving.Broadcast singal can exist in a variety of manners, and for example, it can be with the electronics of DMB (DMB)
The form of program guide (EPG), the electronic service guidebooks (ESG) of digital video broadcast-handheld (DVB-H) etc. and exist.Broadcast
Receiver module 111 can be broadcasted by using various types of broadcast system receipt signals.Especially, broadcasting reception module 111
Can be wide by using such as multimedia broadcasting-ground (DMB-T), DMB-satellite (DMB-S), digital video
Broadcast-hand-held (DVB-H), forward link media (MediaFLO@) Radio Data System, received terrestrial digital broadcasting integrated service
Etc. (ISDB-T) digit broadcasting system receives digital broadcasting.Broadcasting reception module 111 may be constructed such that and is adapted to provide for extensively
Broadcast the various broadcast systems of signal and above-mentioned digit broadcasting system.Via broadcasting reception module 111 receive broadcast singal and/
Or broadcast related information can be stored in memorizer 160 (or other types of storage medium).
Mobile communication module 112 sends radio signals to base station (for example, access point, node B etc.), exterior terminal
And at least one of server and/or receive from it radio signal.Such radio signal can include voice and lead to
Words signal, video calling signal or the various types of data sending and/or receiving according to text and/or Multimedia Message.
Wireless Internet module 113 supports the Wi-Fi (Wireless Internet Access) of mobile terminal.This module can be internally or externally
It is couple to terminal.Wi-Fi (Wireless Internet Access) technology involved by this module can include WLAN (WLAN) (Wi-Fi), Wibro
(WiMAX), Wimax (worldwide interoperability for microwave accesses), HSDPA (high-speed downlink packet access) etc..
Short range communication module 114 is the module for supporting junction service.Some examples of short-range communication technology include indigo plant
ToothTM, RF identification (RFID), Infrared Data Association (IrDA), ultra broadband (UWB), purple honeybeeTMEtc..
Location information module 115 be for check or obtain mobile terminal positional information module.Location information module
Typical case be GPS (global positioning system).According to current technology, GPS module 115 calculates and is derived from three or more satellites
Range information and correct time information and for the Information application triangulation calculating, thus according to longitude, latitude
Highly accurately calculate three-dimensional current location information.Currently, the method for calculating position and temporal information is defended using three
Star and the error of the position that calculates by using other satellite correction and temporal information.Additionally, GPS module 115
Can be by Continuous plus current location information in real time come calculating speed information.
A/V input block 120 is used for receiving audio or video signal.A/V input block 120 can include camera 121 He
Mike 122, camera 121 is to the static images being obtained by image capture apparatus in Video Capture pattern or image capture mode
Or the view data of video is processed.Picture frame after process may be displayed on display unit 151.Process through camera 121
Picture frame afterwards can be stored in memorizer 160 (or other storage medium) or carry out sending out via wireless communication unit 110
Send, two or more cameras 121 can be provided according to the construction of mobile terminal.Mike 122 can be in telephone calling model, note
Sound (voice data) is received via mike in record pattern, speech recognition mode etc. operational mode, and can be by so
Acoustic processing be voice data.Audio frequency (voice) data after process can be converted in the case of telephone calling model can
It is sent to the form output of mobile communication base station via mobile communication module 112.Mike 122 can implement various types of making an uproar
Sound eliminates (or suppression) algorithm to eliminate the noise that (or suppression) produces in reception with during sending audio signal or to do
Disturb.
User input unit 130 can generate key input data to control each of mobile terminal according to the order of user input
Plant operation.User input unit 130 allows the various types of information of user input, and can include keyboard, metal dome, touch
Plate (for example, detection due to touched and lead to resistance, pressure, the change of electric capacity etc. sensitive component), roller, rocking bar etc.
Deng.Especially, when touch pad is superimposed upon on display unit 151 as a layer, touch screen can be formed.
Sensing unit 140 detect mobile terminal 1 00 current state, (for example, mobile terminal 1 00 open or close shape
State), the position of mobile terminal 1 00, user is for the presence or absence of the contact (that is, touch input) of mobile terminal 1 00, mobile terminal
100 orientation, the acceleration or deceleration movement of mobile terminal 1 00 and direction etc., and generate for controlling mobile terminal 1 00
The order of operation or signal.For example, when mobile terminal 1 00 is embodied as sliding-type mobile phone, sensing unit 140 can sense
This sliding-type phone opens or cuts out.In addition, sensing unit 140 can detect power subsystem 190 whether provide electric power or
Whether person's interface unit 170 is coupled with external device (ED).
Interface unit 170 is connected, with mobile terminal 1 00, the interface that can pass through as at least one external device (ED).For example,
External device (ED) can include wired or wireless head-band earphone port, external power source (or battery charger) port, wired or nothing
Line FPDP, memory card port, the port of device for connection with identification module, audio input/output (I/O) end
Mouth, video i/o port, ear port etc..Identification module can be storage for verifying that user uses each of mobile terminal 1 00
Kind of information and subscriber identification module (UIM), client identification module (SIM), Universal Subscriber identification module (USIM) can be included
Etc..In addition, the device (hereinafter referred to as " identifying device ") with identification module can take the form of smart card, therefore, know
Other device can be connected with mobile terminal 1 00 via port or other attachment means.Interface unit 170 can be used for reception and is derived from
The input (for example, data message, electric power etc.) of the external device (ED) and input receiving is transferred in mobile terminal 1 00
One or more elements or can be used for transmission data between mobile terminal and external device (ED).
In addition, when mobile terminal 1 00 is connected with external base, interface unit 170 can serve as allowing by it by electricity
Power provides the path of mobile terminal 1 00 from base or can serve as allowing the various command signals from base input to pass through it
It is transferred to the path of mobile terminal.May serve as identifying that mobile terminal is from the various command signals of base input or electric power
The no signal being accurately fitted within base.Output unit 150 is configured to defeated with the offer of vision, audio frequency and/or tactile manner
Go out signal (for example, audio signal, video signal, alarm signal, vibration signal etc.).Output unit 150 can include showing
Unit 151, dio Output Modules 152, alarm unit 153 etc..
Display unit 151 may be displayed on the information processing in mobile terminal 1 00.For example, when mobile terminal 1 00 is in electricity
During words call mode, display unit 151 can show (for example, text messaging, the multimedia file that communicate with call or other
Download etc.) related user interface (UI) or graphic user interface (GUI).When mobile terminal 1 00 is in video calling pattern
Or during image capture mode, display unit 151 can show the image of capture and/or the image of reception, illustrate video or figure
UI or GUI of picture and correlation function etc..
Meanwhile, when display unit 151 and the touch pad touch screen with formation superposed on one another as a layer, display unit
151 can serve as input equipment and output device.Display unit 151 can include liquid crystal display (LCD), thin film transistor (TFT)
In LCD (TFT-LCD), Organic Light Emitting Diode (OLED) display, flexible display, three-dimensional (3D) display etc. at least
A kind of.Some in these display may be constructed such that transparence to allow user from outside viewing, and this is properly termed as transparent
Display, typical transparent display can be, for example, TOLED (transparent organic light emitting diode) display etc..According to specific
The embodiment wanted, mobile terminal 1 00 can include two or more display units (or other display device), for example, moves
Dynamic terminal can include outernal display unit (not shown) and inner display unit (not shown).Touch screen can be used for detection and touches
Input pressure and touch input position and touch input area.
Dio Output Modules 152 can mobile terminal be in call signal reception pattern, call mode, logging mode,
When under the isotypes such as speech recognition mode, broadcast reception mode, that wireless communication unit 110 is received or in memorizer 160
The voice data transducing audio signal of middle storage and be output as sound.And, dio Output Modules 152 can provide and move
The audio output (for example, call signal receives sound, message sink sound etc.) of the specific function correlation of terminal 100 execution.
Dio Output Modules 152 can include speaker, buzzer etc..
Alarm unit 153 can provide output to notify event to mobile terminal 1 00.Typical event is permissible
Including calling reception, message sink, key signals input, touch input etc..In addition to audio or video output, alarm unit
153 can provide output in a different manner with the generation of notification event.For example, alarm unit 153 can be in the form of vibrating
Output is provided, enters when communicating (incoming communication) when receiving calling, message or some other, alarm list
Unit 153 can provide tactile output (that is, vibrating) to notify to user.By providing such tactile output, even if
When the mobile phone of user is in the pocket of user, user also can recognize that the generation of various events.Alarm unit 153
The output of the generation of notification event can be provided via display unit 151 or dio Output Modules 152.
Memorizer 160 can store software program of the process being executed by controller 180 and control operation etc., or can
Temporarily to store oneself data (for example, telephone directory, message, still image, video etc.) through exporting or will export.And
And, memorizer 160 can be to store the vibration of various modes with regard to exporting and audio signal when touching and being applied to touch screen
Data.
Memorizer 160 can include the storage medium of at least one type, and described storage medium includes flash memory, hard disk, many
Media card, card-type memorizer (for example, SD or DX memorizer etc.), random access storage device (RAM), static random-access storage
Device (SRAM), read only memory (ROM), Electrically Erasable Read Only Memory (EEPROM), programmable read only memory
(PROM), magnetic storage, disk, CD etc..And, mobile terminal 1 00 can execute memorizer with by network connection
The network storage device cooperation of 160 store function.
Controller 180 generally controls the overall operation of mobile terminal.For example, controller 180 execution and voice call, data
The related control of communication, video calling etc. and process.In addition, controller 180 can be included for reproducing (or playback) many matchmakers
The multi-media module 181 of volume data, multi-media module 181 can construct in controller 180, or it is so structured that and controls
Device 180 separates.Controller 180 can be with execution pattern identifying processing, by the handwriting input executing on the touchscreen or picture
Draw input and be identified as character or image.
Power subsystem 190 receives external power or internal power under the control of controller 180 and provides operation each unit
Suitable electric power needed for part and assembly.
Various embodiment described herein can be with using such as computer software, hardware or its any combination of calculating
Machine computer-readable recording medium is implementing.Hardware is implemented, embodiment described herein can be by using application-specific IC
(ASIC), digital signal processor (DSP), digital signal processing device (DSPD), programmable logic device (PLD), scene can
Program gate array (FPGA), processor, controller, microcontroller, microprocessor, be designed to execute function described herein
At least one in electronic unit implementing, in some cases, can be implemented in controller 180 by such embodiment.
Software is implemented, the embodiment of such as process or function can with allow to execute the single of at least one function or operation
Software module is implementing.Software code can be come by the software application (or program) write with any suitable programming language
Implement, software code can be stored in memorizer 160 and be executed by controller 180.
So far, oneself is through describing mobile terminal according to its function.Below, for the sake of brevity, will describe such as folded form,
Slide type mobile terminal in various types of mobile terminals of board-type, oscillating-type, slide type mobile terminal etc. is as showing
Example.Therefore, the present invention can be applied to any kind of mobile terminal, and is not limited to slide type mobile terminal.
As shown in Figure 1 mobile terminal 1 00 may be constructed such that using via frame or packet transmission data all if any
Line and wireless communication system and satellite-based communication system are operating.
The communication system being wherein operable to according to the mobile terminal of the present invention referring now to Fig. 2 description.
Such communication system can use different air interfaces and/or physical layer.For example, used by communication system
Air interface includes such as frequency division multiple access (FDMA), time division multiple acess (TDMA), CDMA (CDMA) and universal mobile communications system
System (UMTS) (especially, Long Term Evolution (LTE)), global system for mobile communications (GSM) etc..As non-limiting example, under
The description in face is related to cdma communication system, but such teaching is equally applicable to other types of system.
With reference to Fig. 2, cdma wireless communication system can include multiple mobile terminal 1s 00, multiple base station (BS) 270, base station
Controller (BSC) 275 and mobile switching centre (MSC) 280.MSC280 is configured to and Public Switched Telephony Network (PSTN)
290 formation interfaces.MSC280 is also structured to and can form interface via the BSC275 that back haul link is couple to base station 270.
If back haul link can construct according to any one in the interface that Ganji knows, described interface includes such as E1/T1, ATM, IP,
PPP, frame relay, HDSL, ADSL or xDSL.It will be appreciated that system as shown in Figure 2 can include multiple BSC275.
Each BS270 can service one or more subregions (or region), by the sky of multidirectional antenna or sensing specific direction
Each subregion that line covers is radially away from BS270.Or, each subregion can by for diversity reception two or more
Antenna covers.Each BS270 may be constructed such that support multiple frequency distribution, and the distribution of each frequency has specific frequency spectrum
(for example, 1.25MHz, 5MHz etc.).
Intersecting that subregion and frequency are distributed can be referred to as CDMA Channel.BS270 can also be referred to as base station transceiver
System (BTS) or other equivalent terms.In this case, term " base station " can be used for broadly representing single
BSC275 and at least one BS270.Base station can also be referred to as " cellular station ".Or, each subregion of specific BS270 can be claimed
For multiple cellular stations.
As shown in Figure 2, broadcast singal is sent to the mobile terminal of operation in system by broadcsting transmitter (BT) 295
100.Broadcasting reception module 111 is arranged at mobile terminal 1 00 to receive the broadcast being sent by BT295 as shown in Figure 1
Signal.In fig. 2 it is shown that several global positioning system (GPS) satellites 300.Satellite 300 helps position multiple mobile terminals
At least one of 100.
In fig. 2, depict multiple satellites 300, it is understood that be, it is possible to use any number of satellite obtains useful
Location information.GPS module 115 is generally configured to coordinate with satellite 300 to obtain the positioning letter wanted as shown in Figure 1
Breath.Substitute GPS tracking technique or outside GPS tracking technique, it is possible to use other of the position of mobile terminal can be followed the tracks of
Technology.In addition, at least one gps satellite 300 can optionally or additionally process satellite dmb transmission.
As a typical operation of wireless communication system, BS270 receives the reverse link from various mobile terminal 1s 00
Signal.Mobile terminal 1 00 generally participates in call, information receiving and transmitting and other types of communication.Each of certain base station 270 reception is anti-
Processed in specific BS270 to link signal.The data obtaining is forwarded to the BSC275 of correlation.BSC provides call
Resource allocation and the mobile management function of including the coordination of soft switching process between BS270.BSC275 is also by the number receiving
According to being routed to MSC280, it provides the extra route service for forming interface with PSTN290.Similarly, PSTN290 with
MSC280 forms interface, and MSC and BSC275 form interface, and BSC275 correspondingly controls BS270 with by forward link signals
It is sent to mobile terminal 1 00.
Based on above-mentioned mobile terminal hardware configuration and communication system, each embodiment of the inventive method is proposed.
As shown in figure 3, first embodiment of the invention proposes a kind of mobile payment device, it is applied in described mobile terminal,
Described device specifically includes consisting of part：
1) payment processes module 301, for receiving the payment request comprising the first payment, and judges that local terminal is used
Whether the current balance at family is less than described first payment；If local terminal user when remaining sum be more than or equal to described first
Pay the amount of money, then point out described local terminal user to move payment；If local terminal user when remaining sum be less than described first
Payment, then trigger user's selecting module 302.
2) user's selecting module 302, is less than described first for the current balance in described local terminal user and pays gold
In the case of volume, a user is selected to pay user as paying out from the user relevant with local terminal user；
Specifically, user's selecting module 302, is additionally operable to：
Send association request to the terminal of the user setting, and by described local terminal user and accept described association request
User set up incidence relation.
User's selecting module 302, specifically for：
According to one of following three kinds of modes, a user is selected to make from the user relevant with local terminal user
Pay user for paying out：
The first, select the most user of current balance as generation from the user relevant with local terminal user
Pay user；
Second, selects the highest-ranking user of authority as paying out in the user relevant with local terminal user
Pay user；Described Permission Levels are that local terminal user is respectively each user setup relevant with local terminal user
Permission Levels.
The third, from the user relevant with local terminal user select and local terminal user contact most frequent
User as pay out pay a user.Described contact frequent situation be by with described local terminal user daily contact frequent
Degree sets, and described daily contact includes：It is (for example, micro- that talk times and the duration of call, note contact number of times, social software
Letter, QQ etc.) contact number of times etc..
3) common payment module 303, for jointly being carried out by described local terminal and the described terminal paying out pair user
Mobile payment.
Specifically, common payment module 303, including：Amount of money arranging unit, payment Tip element and receive information unit.
Described amount of money arranging unit, for the second payment of arranging local terminal user to need to pay with described pay out
Pay the 3rd payment that user needs to pay；Described second payment and described 3rd payment sum are equal to described the
One payment；
Further, described amount of money arranging unit, specifically for：
The current balance of described local terminal user is set to the second payment, by described first payment and institute
The difference stating the second payment is set to described 3rd payment；Or,
Described second payment of allocation proportion setting that described first payment is set according to described local terminal user
The amount of money and described 3rd payment.
Described payment Tip element, props up for pointing out local terminal user to move according to described second payment
Pay, and pay out the terminal transmission paying user for payment instruction to described, described generation payment instruction includes：Described local terminal user
Identification information and described 3rd payment, pay a user and move according to described 3rd payment to pay out described in pointing out
Pay.
Described receive information unit, pays successfully with paying out a pair user for receiving local terminal user payment successful information
Information is to complete described mobile payment.
As shown in figure 4, second embodiment of the invention proposes a kind of mobile payment device, it is applied in described mobile terminal,
Described device specifically includes consisting of part：
1) receive request module 401, ask from the payment that businessman sends for receiving, described payment is asked, including：
First payment.
2) whether amount of money judge module 402, for judging the current balance of local terminal user less than described first payment
The amount of money.
If so, then trigger user's selecting module 403, jointly to complete this mobile payment operation by many people；
If it is not, then prompting local terminal user moves payment according to described first payment, with by the machine eventually
End individually completes this mobile payment operation.
3) user's selecting module 403, is stored in paying out in local terminal for acquisition and pays a list, and pay from described paying out
A user is selected to pay user as paying out in list.Described pay out to pay in list at least include one and build with local terminal user
Erect the user of the other-end of incidence relation.
Specifically, user's selecting module 403, is additionally operable to
To set user terminal send pay out pay request, and will accept described in pay out pay request a user be added to institute
State to pay out and pay in request list.
User's selecting module 403, specifically for：
According to one of following three kinds of modes, a user is selected to pay a user as paying out pair user from described paying out：
The first, select the most user of current balance to pay a user as paying out from described paying out pair list；
Second, selects the highest-ranking user of authority to pay a user as paying out with described paying out in pair list；Wherein, when
When local terminal user and any user set up incidence relation, described local terminal user is that described any user arranges authority level
Not, the height of described Permission Levels reflects the height of the degree of belief to described any user for the described local terminal user；
The third, from described pay out pay list select with local terminal user contact most frequent user as pay out pay
User；The frequent situation of described contact is to be set by the daily frequent degree contacting with described local terminal user, described
Daily contact includes：Talk times and the duration of call, note contact number of times, social software (for example, wechat, QQ etc.) contact number of times
Deng.
4) amount of money determining module 404, needs the second payment of payment and described generation for arranging local terminal user
Pay the 3rd payment that user needs to pay；Described second payment and described 3rd payment sum are equal to described
First payment.
Specifically, amount of money determining module 404, is used for：
The current balance of described local terminal user is set to the second payment, by described first payment and institute
The difference stating the second payment is set to described 3rd payment；Or,
Described second payment of allocation proportion setting that described first payment is set according to described local terminal user
The amount of money and described 3rd payment.
5) pay reminding module 405, prop up for pointing out local terminal user to move according to described second payment
Pay, and pay out the terminal transmission paying user for payment instruction to described, described generation payment instruction includes：Described local terminal user
Identification information and described 3rd payment, pay a user and move according to described 3rd payment to pay out described in pointing out
Pay.
6) receive information module 406, pays into paying out a pair user for receiving local terminal user payment successful information
Work(information is to complete described mobile payment.
Further, receive information module 406, is additionally operable to：
When receive local terminal user pay unsuccessful information, and/or, pay out pay user pay unsuccessful information when,
Retriggered user's selecting module 403, with from described pay out to pay to reselect one in list and pay out pay a user, and by described
Paying out of reselecting pays the terminal of user and described local terminal completes this mobile payment operation.
As shown in figure 5, third embodiment of the invention proposes a kind of method of mobile payment, it is applied in described mobile terminal,
Methods described specifically includes following steps：
Step S501：Receive the payment request comprising the first payment, and judge the current balance of local terminal user
Whether it is less than described first payment.
If local terminal user when remaining sum be more than or equal to described first payment, point out described local terminal user
Move payment；
If local terminal user when remaining sum be less than described first payment, execution step S502.
Step S502：In the case that the current balance of described local terminal user is less than described first payment, from
A user is selected to pay user as paying out in the user relevant with local terminal user.
Specifically, set up the incidence relation with local terminal user as follows：
Send association request to the terminal of the user setting, and by described local terminal user and accept described association request
User set up incidence relation.
According to one of following three kinds of modes, a user is selected to make from the user relevant with local terminal user
Pay user for paying out：
The first, select the most user of current balance as generation from the user relevant with local terminal user
Pay user；
Second, selects the highest-ranking user of authority as paying out in the user relevant with local terminal user
Pay user；Described Permission Levels are that local terminal user is respectively each user setup relevant with local terminal user
Permission Levels.
The third, from the user relevant with local terminal user select and local terminal user contact most frequent
User as pay out pay a user.Described contact frequent situation be by with described local terminal user daily contact frequent
Degree sets, and described daily contact includes：It is (for example, micro- that talk times and the duration of call, note contact number of times, social software
Letter, QQ etc.) contact number of times etc..
Step S503：Payment is jointly moved by described local terminal and the described terminal paying out pair user.
Specifically, step S503, including：
Step A1：Setting local terminal user need pay the second payment and described pay out pay a user need pay
The 3rd payment；Described second payment and described 3rd payment sum are equal to described first payment.
Further, step A1, specifically includes：
The current balance of described local terminal user is set to the second payment, by described first payment and institute
The difference stating the second payment is set to described 3rd payment；Or,
Described second payment of allocation proportion setting that described first payment is set according to described local terminal user
The amount of money and described 3rd payment.
Step A2：Prompting local terminal user moves payment according to described second payment, and pays out to described
The terminal paying user sends for payment instruction, and described generation payment instruction includes：The identification information of described local terminal user and institute
State the 3rd payment, pay a user and move payment according to described 3rd payment to pay out described in pointing out.
Step A3：Receive local terminal user and pay successful information and paying out and pay user to pay successful information described to complete
Mobile payment.
As shown in fig. 6, fourth embodiment of the invention proposes a kind of method of mobile payment, it is applied in described mobile terminal,
Methods described specifically includes following steps：
Step S601：Receive and ask from the payment that businessman sends, described payment is asked, including：First payment.
Step S602：Judge whether the current balance of local terminal user is less than described first payment：
If so, then execution step S603, completes this mobile payment operation jointly by many people；
If it is not, then prompting local terminal user moves payment according to described first payment, by local terminal list
Solely complete this mobile payment operation.
Step S603：Acquisition is stored in paying out in local terminal and pays a list, pays selection one list from described paying out
User pays user as paying out.Described pay out to pay in list at least include one and set up incidence relation with local terminal user
The user of other-end.
Specifically, pay interpolation user in list in described paying out as follows：
To set user terminal send pay out pay request, and will accept described in pay out pay request a user be added to institute
State to pay out and pay in request list.
According to one of following three kinds of modes, a user is selected to pay a user as paying out pair list from described paying out：
The first, select the most user of current balance to pay a user as paying out from described paying out pair list；
Second, selects the highest-ranking user of authority to pay a user as paying out with described paying out in pair list；Wherein, when
When local terminal user and any user set up incidence relation, described local terminal user is that described any user arranges authority level
Not, the height of described Permission Levels reflects the height of the degree of belief to described any user for the described local terminal user；
The third, from described pay out pay list select with local terminal user contact most frequent user as pay out pay
User；The frequent situation of described contact is to be set by the daily frequent degree contacting with described local terminal user, described
Daily contact includes：Talk times and the duration of call, note contact number of times, social software (for example, wechat, QQ etc.) contact number of times
Deng.
Step S604：Setting local terminal user needs the second payment paying and described paying out to pay user needs
The 3rd payment paid；Described second payment and described 3rd payment sum are equal to described first payment.
Specifically, step S604, including：
The current balance of described local terminal user is set to the second payment, by described first payment and institute
The difference stating the second payment is set to described 3rd payment；Or,
Described second payment of allocation proportion setting that described first payment is set according to described local terminal user
The amount of money and described 3rd payment.
Step S605：Prompting local terminal user moves payment according to described second payment, and to described generation
The terminal paying user sends for payment instruction, and described generation payment instruction includes：The identification information of described local terminal user and
Described 3rd payment, pays a user and moves payment according to described 3rd payment to pay out described in pointing out.
Step S606：Receive local terminal user to pay successful information and pay out pair user's payment successful information to complete
State mobile payment.
Further, methods described, also includes：
When receive local terminal user pay unsuccessful information, and/or, pay out pay user pay unsuccessful information when,
Re-execute step S603, with from described pay out to pay to reselect one in list and pay out pay a user, and again selected by described
Paying out of selecting pays the terminal of user and described local terminal completes this mobile payment operation.
It should be noted that herein, term " inclusion ", "comprising" or its any other variant are intended to non-row
The comprising of his property, so that including a series of process of key elements, method, article or device not only include those key elements, and
And also include other key elements of being not expressly set out, or also include intrinsic for this process, method, article or device institute
Key element.In the absence of more restrictions, the key element being limited by sentence "including a ..." is it is not excluded that including being somebody's turn to do
Also there is other identical element in the process of key element, method, article or device.
The embodiments of the present invention are for illustration only, do not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by the mode of software plus necessary general hardware platform naturally it is also possible to pass through hardware, but in many cases
The former is more preferably embodiment.Based on such understanding, technical scheme is substantially done to prior art in other words
Go out partly can embodying in the form of software product of contribution, this computer software product is stored in a storage medium
In (as ROM/RAM, magnetic disc, CD), including some instructions with so that a station terminal equipment (can be mobile phone, computer, clothes
Business device, air-conditioner, or network equipment etc.) method described in execution each embodiment of the present invention.
These are only the preferred embodiments of the present invention, not thereby limit the present invention the scope of the claims, every using this
Equivalent structure or equivalent flow conversion that bright description and accompanying drawing content are made, or directly or indirectly it is used in other related skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of mobile payment device is it is characterised in that described device includes：
Payment processes module, for receiving the payment request comprising the first payment, and judges that local terminal user's is current
Whether remaining sum is less than described first payment；
User's selecting module, is less than the situation of described first payment for the current balance in described local terminal user
Under, select a user to pay user as paying out from the user relevant with local terminal user；
Common payment module, for jointly moving payment by described local terminal and the described terminal paying out pair user.
2. mobile payment device according to claim 1, it is characterised in that described user's selecting module, is additionally operable to：
Send association request, and the use by described local terminal user and the described association request of acceptance to the terminal of the user setting
Incidence relation is set up at family.
3. mobile payment device according to claim 1 is it is characterised in that described user's selecting module, specifically for：
According to one of following three kinds of modes, select a user from the user relevant with local terminal user as generation
Pay user：
The first, select the most user of current balance to pay as paying out from the user relevant with local terminal user
User；
Second, selects the highest-ranking user of authority to use as paying out to pay in the user relevant with local terminal user
Family；Described Permission Levels are the power that local terminal user is respectively each user setup relevant with local terminal user
Limit rank；
The third, select to contact most frequent use with local terminal user from the user relevant with local terminal user
User is paid as paying out in family.
4. mobile payment device according to claim 1, it is characterised in that described common payment module, specifically includes：
Amount of money arranging unit, needs the second payment of payment and described paying out to pay user need for arranging local terminal user
3rd payment to be paid；Described second payment and described 3rd payment sum are equal to described first and pay gold
Volume；
Pay Tip element, for pointing out local terminal user to move payment according to described second payment, and to institute
State and pay out the terminal transmission paying user for payment instruction, described generation payment instruction includes：The mark letter of described local terminal user
Breath and described 3rd payment, pay a user and move payment according to described 3rd payment to pay out described in pointing out；
Receive information unit, pays successful information and pays out pair user's payment successful information with complete for receiving local terminal user
Become described mobile payment.
5. mobile payment device according to claim 4 is it is characterised in that described amount of money arranging unit, specifically for：
The current balance of described local terminal user is set to the second payment, by described first payment and described the
The difference of two payments is set to described 3rd payment；Or,
Described first payment is arranged described second payment according to the allocation proportion that described local terminal user sets
With described 3rd payment.
6. a kind of method of mobile payment is it is characterised in that methods described includes：
Receive the payment request comprising the first payment, and judge the current balance of local terminal user whether less than described the
One payment；
Described local terminal user current balance be less than described first payment in the case of, from local terminal user
A user is selected to pay user as paying out in relevant user；
Payment is jointly moved by described local terminal and the described terminal paying out pair user.
7. method of mobile payment according to claim 6 is used it is characterised in that setting up as follows with local terminal
The incidence relation at family：
Send association request, and the use by described local terminal user and the described association request of acceptance to the terminal of the user setting
Incidence relation is set up at family.
8. method of mobile payment according to claim 6 is it is characterised in that according to one of following three kinds of modes, from this
A user is selected to pay user as paying out in the relevant user of machine terminal use：
The first, select the most user of current balance to pay as paying out from the user relevant with local terminal user
User；
Second, selects the highest-ranking user of authority to use as paying out to pay in the user relevant with local terminal user
Family；Described Permission Levels are the power that local terminal user is respectively each user setup relevant with local terminal user
Limit rank；
The third, select to contact most frequent use with local terminal user from the user relevant with local terminal user
User is paid as paying out in family.
9. method of mobile payment according to claim 6 it is characterised in that described by described local terminal with described generation
The terminal paying user moves payment jointly, including：
Setting local terminal user needs the second payment paying and described paying out to pay the 3rd payment that user needs to pay
The amount of money；Described second payment and described 3rd payment sum are equal to described first payment；
Prompting local terminal user moves payment according to described second payment, and to the described terminal paid out and pay user
Send for payment instruction, described generation payment instruction includes：The identification information of described local terminal user and the described 3rd pays gold
Volume, pays a user and moves payment according to described 3rd payment to pay out described in pointing out；
Receive local terminal user to pay successful information and pay out pair user's payment successful information to complete described mobile payment.
10. method of mobile payment according to claim 9 is it is characterised in that described setting local terminal user needs to prop up
The second payment paid and described paying out pay the 3rd payment that user needs to pay, including：
The current balance of described local terminal user is set to the second payment, by described first payment and described the
The difference of two payments is set to described 3rd payment；Or,
Described first payment is arranged described second payment according to the allocation proportion that described local terminal user sets
With described 3rd payment.
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| CN201610875011.3A CN106447322A (en) | 2016-09-30 | 2016-09-30 | Mobile payment method and device |
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| CN201610875011.3A CN106447322A (en) | 2016-09-30 | 2016-09-30 | Mobile payment method and device |
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| CN109493032A (en) * | 2018-12-12 | 2019-03-19 | 四川商通实业有限公司 | The method and its system of tripartite's combined payment are realized based on prepaid card |
| CN109727021A (en) * | 2018-12-14 | 2019-05-07 | 中国平安人寿保险股份有限公司 | A kind of social security method of payment and device |
| CN111405321A (en) * | 2020-04-22 | 2020-07-10 | 聚好看科技股份有限公司 | Video acquisition method, display device and server |
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Application publication date: 20170222 |