CN106548336A - Mobile-payment system and method - Google Patents
Mobile-payment system and method Download PDFInfo
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- CN106548336A CN106548336A CN201610957849.7A CN201610957849A CN106548336A CN 106548336 A CN106548336 A CN 106548336A CN 201610957849 A CN201610957849 A CN 201610957849A CN 106548336 A CN106548336 A CN 106548336A
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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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- 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
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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- G—PHYSICS
- G06—COMPUTING; 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
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Abstract
The invention discloses a kind of mobile-payment system and method.The system can respond first user and carry out paying out the authority paid by the input operation setting at least second user that the mobile terminal sets, detect the signal intensity of the first network that the server is communicatively coupled with the mobile terminal and the charging terminal is received when the signal intensity of the first network is less than preset signal strength and send a payment request for including pay invoice, and respond the payment request and the pay invoice is sent to into the second user of the mandate so that the second user is paid by the termination.So as to when first user has the demand of mobile payment, even if also can be convenient for users to use by authorizing the payment for having the second user for obligation authority to complete expense when there is mobile terminal not good with server communication or suspension.
Description
Technical field
The present invention relates to pay field by mails, more particularly to a kind of mobile-payment system and method.
Background technology
Mobile payment, is also mobile-phone payment, is the payment technology for rising in recent years.The appearance of mobile payment so that use
Family need not carry cash or bank card, only just need to can realize that the commodity to all consumption or service carry out propping up by mobile phone
Pay.Mobile payment belongs to the category of E-Payment, very convenient to use.Either near field pays, such as near-field communication
The instruments such as (Near Field communication, NFC) function, or far field payment function, such as Alipay or wechat,
Its essence is all by the bank card binding of user to corresponding hardware or software, so that mobile phone by certain cipher mode
Hardware itself or the software installed have payment function.
From for a certain degree, mobile-phone payment is more quick than the conventional payment means of payment of such as swiping the card.Particularly far field is propped up
Scene is paid, is used as paying transfer platform using software, beneficiary need not consume extra all hard into original configuration gathering
Complete to pay by part, the dynamic two-dimension code that barcode scanning software life is only needed during payment.However, existing mobile payment also has one
Apparent the drawbacks of, need network attached server to obtain when being exactly mobile-phone payment and pay password.If mobile phone cannot connect to
Network, as mobile phone cannot be communicated with server, it is impossible to complete to pay.
The content of the invention
Present invention is primarily targeted at proposing a kind of method of mobile payment and system, it is intended to solve above-mentioned technical problem.
For achieving the above object, the present invention provides a kind of method of mobile payment, apply a server, a mobile terminal and
In an at least termination, the server is connected with the communication of mobile terminal by a first network, and the server is by one the
Two networks are communicated to connect with the charging terminal, and the server is communicated to connect with an at least termination by one the 3rd network,
The method includes：
By mobile terminal the input at least identity information of a second user the identity by an at least second user
Information is sent to the server；
The replacement second user paid by the first user is authorized according to the identity information of an at least second user
Authority；
Detect the signal intensity of the first network that the mobile terminal is connected with the server communication；
Receive what the charging terminal sent when the signal intensity for detecting the first network is less than a preset signal strength
Include the payment request of pay invoice, the wherein charging terminal is generated after scanning the Quick Response Code that the mobile terminal is produced and is somebody's turn to do
Include the payment request of pay invoice；
Respond the payment request and the pay invoice is sent to into the second user of the mandate so that the second user is by being somebody's turn to do
Termination completes the payment to the pay invoice；And
Confirm to pay when the payment information of the pay invoice that the second user is sent by the termination is received
Success.
Alternatively, the identity information of the second user is phone number or wechat account.
Alternatively, the signal intensity for detecting the first network that the mobile terminal is connected with the server communication is also wrapped
Include：
The first user is received when the signal intensity for detecting the first network is equal to or more than the preset signal strength
The payment information sent by the mobile terminal, and confirm to pay into when the payment information that the mobile terminal sends is received
Work(.
Alternatively, the identity information of a basis at least second user is authorized and replaces what the first user was paid
The power of second user includes：
Receive the identity information of at least second user that the first user is input into by the mobile terminal；
Generate one first payment list；
The identity information of an at least second user of the reception is added in the first payment list；And
The addition for sending an identity information for including first user is asked to the termination so that the termination is given birth to
Add in the second payment list into one second payment list and by the first user identity information.
Alternatively, replace the first user to be paid the is authorized according to the identity information of an at least second user
The power of two users includes：
Receive the identity information that the first user is input into an at least second user by the mobile terminal；
Generate into one the 3rd payment list；
The second addition request of an identity information comprising the first user is sent to the termination；And
By the identity of an at least second user after the confirmation for receiving the agreement addition request that the termination sends
Information is added into the 3rd payment list.
Alternatively, response payment request by the pay invoice be sent to the mandate second user so that this second
User carries out payment by the termination to be included：
Payment request is responded by an at least second user according to the of a highest priority is chosen after prioritization
Two users；And
The pay invoice is sent to into the second user of the highest priority so that the second user is by corresponding terminal
Device is paid.
For achieving the above object, the present invention also provides a kind of mobile-payment system, and the system operation, should in a server
Server is connected with a communication of mobile terminal by a first network, and the server passes through one second network and a charging terminal is logical
Letter connection, the server are communicated to connect with an at least termination by one the 3rd network, and the system includes：
Authorization module, for being input into the identity information of an at least second user according to a first user by the mobile terminal
Operation authorize the authority of second user for replacing the first user to be paid；
Detecting module, for detecting the signal intensity of the first network that the mobile terminal is connected with the server communication；
Receiver module, the signal intensity for the first network is detected in the detecting module are less than a preset signal strength
When receive the payment request for including pay invoice that the charging terminal sends, wherein the charging terminal is by scanning the movement end
The payment request for including pay invoice is generated after the Quick Response Code that end produces；
Sending module, the pay invoice is sent to the second user of the authorization module mandate for responding the payment request
So that the second user completes the payment to the pay invoice by the termination；And
The receiver module is receiving the payment information of the pay invoice that the second user is sent by the termination
When confirm pay successfully.
Alternatively, the identity information of the second user is phone number or wechat account.
Alternatively, the receiver module be additionally operable to the detecting module detect the first network signal intensity be equal to or
The payment information that the first user is sent by the mobile terminal is received during more than the preset signal strength, and is receiving the shifting
Confirm to pay successfully during the payment information that dynamic terminal sends.
Alternatively, the authorization module is additionally operable to receive at least one second use that the first user is input into by the mobile terminal
The identity information at family simultaneously generates one first payment list, and the identity information of the second user is added to the first payment list
In, and send the addition of an identity information for including first user and ask to the termination so that the termination generates one
The first user identity information is simultaneously added this and second is paid in list by the second payment list, so as to complete to authorize replacement this first
The setting of the authority of the second user paid by user.
Alternatively, the authorization module is additionally operable to the reception first user and is input at least one second use by the mobile terminal
The identity information at family simultaneously generates one the 3rd payment list, sends the second addition request of an identity information comprising the first user
To the termination, and by an at least second user after the confirmation for receiving the agreement addition request that the termination sends
Identity information add into the 3rd payment list to complete to authorize the second user for replacing the first user to be paid
The setting of authority.
Alternatively, the sending module is used to respond payment request, by an at least second user according to prioritization
The second user of a highest priority is chosen afterwards, and the pay invoice is sent to into the second user of the highest priority so that should
Second user is paid by corresponding termination.
Method of mobile payment provided in an embodiment of the present invention and system can respond first user and be set by the mobile terminal
A fixed input operation setting at least second user carries out paying out the authority paid, and detects the server and is led to the mobile terminal
Believe the signal intensity of the first network of connection and the receipts are received when the signal intensity of the first network is less than preset signal strength
Take terminal and send a payment request for including pay invoice, and respond payment request and the pay invoice is sent to into the mandate
Second user so that the second user is paid by the termination.So as to have the need of mobile payment in first user
When asking, even if also can have second for obligation authority when there is mobile terminal not good with server communication or suspension by mandate
User completes the payment of expense, convenient for users to use.
Description of the drawings
Fig. 1 is the running environment figure of mobile-payment system in an embodiment of the present invention.
Fig. 2 is the hardware architecture diagram of server in an embodiment of the present invention.
Fig. 3 is the hardware architecture diagram of mobile terminal in an embodiment of the present invention.
Fig. 4 is the hardware architecture diagram of charging terminal in an embodiment of the present invention.
The step of Fig. 5 is a kind of method of mobile payment provided in an embodiment of the present invention flow chart.
Fig. 6 is a kind of user interface schematic diagram for providing in an embodiment of the present invention.
A kind of the step of method of mobile payment that Fig. 7 is provided for an embodiment of the present invention flow chart.
A kind of the step of method of mobile payment that Fig. 8 is provided for an embodiment of the present invention flow chart.
A kind of the step of method of mobile payment that Fig. 9 is provided for an embodiment of the present invention flow chart.
A kind of functional block diagram of mobile-payment system that Figure 10 is provided for an embodiment of the present 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 is not intended to limit the present invention only to explain the present invention.
The mobile terminal of each embodiment of the invention is realized referring now to Description of Drawings.In follow-up description, use
For representing the suffix of such as " module ", " part " or " unit " of element only for being conducive to the explanation of the present invention, itself
Not specific meaning.Therefore, " module " mixedly can be used with " part ".
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. are consolidated
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 movement
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 refer to, the running environment figure of mobile-payment system 100 in an embodiment of the present invention is shown.The movement
Payment system 100 is operated in a server 1.The server 1 is communicated to connect with a mobile terminal 3 by a first network 21.
The server 1 is communicated to connect with a charging terminal 4 by one second network 22.The server 1 is by one the 3rd network 23 and extremely
A few termination 5 is communicated to connect.The mobile-payment system 100 is used to respond first user by the setting of mobile terminal 3
An input operation setting at least second user carries out paying out the authority paid, and detects the server 1 and is communicated with the mobile terminal 3
The signal intensity of the first network 21 of connection and the first network 21 signal intensity be less than preset signal strength when receive should
Charging terminal 4 sends a payment request for including pay invoice, responds the payment request pay invoice is sent to this and award
The second user of power is so that the second user is paid by the termination 5, and is receiving the second user by being somebody's turn to do
Confirm to pay successfully during the payment information of the pay invoice that termination 5 sends.
Please also refer to Fig. 2, the hardware architecture diagram of server 1 in an embodiment of the present invention is shown.The service
Device 1 can include wireless communication unit 11, memory element 12 and control unit 13.Fig. 2 shows the service with various assemblies
Device, it should be understood that being not required for implementing all components for illustrating.More or less of component can alternatively be implemented.
Will be discussed in more detail below the element of server 1.
Wireless communication unit 11 generally includes one or more assemblies, and which allows server 1 with wireless communication system or net
Radio communication between network.For example, wireless communication unit can include broadcasting reception module, mobile communication module, it is wireless mutually
At least one of networking module and short range communication module.
Broadcasting reception module receives broadcast singal from external broadcast management server via broadcast channel and/or broadcast is related
Information.Broadcast channel can include satellite channel and/or terrestrial channel.Broadcast management server can generate and send broadcast
The server of signal and/or broadcast related information or the broadcast singal generated before receiving and/or broadcast related information and
Send it to the server of terminal.Broadcast singal can include TV broadcast singals, radio signals, data broadcasting signal
Etc..And, broadcast singal may further include the broadcast singal combined with TV or radio signals.The related letter of broadcast
Breath can also be provided via mobile communications network, and in this case, broadcast related information can be come by mobile communication module
Receive.Broadcast singal can be present in a variety of manners, and for example, which can be referred to the electronic programming of DMB (DMB)
The form of southern (EPG), the electronic service guidebooks (ESG) of digital video broadcast-handheld (DVB-H) etc. and exist.Broadcast reception mould
Block can receive signal broadcast by using various types of broadcast systems.Especially, broadcasting reception module can be by using
Such as multimedia broadcasting-ground (DMB-T), DMB-satellite (DMB-S), DVB-hand-held (DVB-
H), forward link media (MediaFLO@) Radio Data System, the number of received terrestrial digital broadcasting integrated service (ISDB-T) etc.
Word broadcast system receives digital broadcasting.Broadcasting reception module may be constructed such that the various broadcast systems for being adapted to provide for broadcast singal
And above-mentioned digit broadcasting system.The broadcast singal and/or broadcast related information received via broadcasting reception module can be stored
In memory element 12 (or other types of storage medium).
Mobile communication module send radio signals to base station (for example, access point, node B etc.), exterior terminal with
And at least one of server and/or receive from it radio signal.Such radio signal can include voice call
Signal, video calling signal or the various types of data for sending and/or receiving according to text and/or Multimedia Message.
The Wi-Fi (Wireless Internet Access) of wireless Internet module back-level server.The module internally or externally can be couple to
Terminal.Wi-Fi (Wireless Internet Access) technology involved by the module can including WLAN (WLAN) (Wi-Fi), Wibro is (wireless
Broadband), Wimax (worldwide interoperability for microwave accesses), HSDPA (high-speed downlink packet access) etc..
Short range communication module is the module for supporting junction service.Some examples of short-range communication technology include bluetoothTM、
RF identification (RFID), Infrared Data Association (IrDA), ultra broadband (UWB), purple honeybeeTMEtc..
Memory element 12 can store software program for the process and control operation performed by control unit 13 etc., or
Own Jing outputs or the data (for example, telephone directory, message, still image, video etc.) that will be exported can temporarily be stored.And
And, memory element 12 can be storing the vibration of various modes with regard to exporting when touching and being applied to touch screen and audio signal
Data.
Memory element 12 can include the storage medium of at least one type, and the storage medium includes flash memory, hard disk, many
Media card, card-type memorizer (for example, SD or DX memorizeies 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 3 can perform memory element with by network connection
The network storage device cooperation of 12 store function.
The overall operation of the generally control server of control unit 13.For example, control unit 13 is performed and voice call, data
The related control of communication, video calling etc. and process.Control unit 13 can be with execution pattern identifying processing, will be in touch screen
The handwriting input of upper execution or picture are drawn input and are identified as character or image.
Fig. 3 is refer to, the hardware architecture diagram of mobile terminal 3 in an embodiment of the present invention is shown.The movement end
End 3 can include wireless communication unit 31, input block 32,33 memory element 34 of display unit, control unit 35.Fig. 3 is illustrated
Mobile terminal with various assemblies, it should be understood that being not required for implementing all components for illustrating.Can be alternatively
Implement more or less of component.As termination 5 and mobile terminal 3 are the device of same type, thus will below with
Describe the element of mobile terminal 3 as a example by mobile terminal 3 in detail.
Wireless communication unit 31 generally includes one or more assemblies, its allow mobile terminal 3 and wireless communication system or
Radio communication between network.For example, wireless communication unit can include broadcasting reception module, mobile communication module, wireless
At least one of the Internet module, short range communication module and location information module.
Input block 32 can generate key input data to control the various behaviour of mobile terminal 3 according to the order of user input
Make.Input block 32 allows the various types of information of user input, and can include keyboard, metal dome, touch pad (for example,
Detect the sensitive component of the change due to touched and caused resistance, pressure, electric capacity etc.), roller, rocking bar etc..Especially
Ground, when touch pad is superimposed upon on display unit 33 in the form of layer, can form touch screen.
The information that display unit 33 is processed in may be displayed on mobile terminal 3.For example, when mobile terminal 3 is logical in phone
During words pattern, display unit 33 can show with converse or other communicate (for example, text messaging, multimedia file download
Etc.) related user interface (UI) or graphic user interface (GUI).When mobile terminal 3 is in video calling pattern or figure
During as acquisition mode, display unit 32 can show the image of capture and/or the image of reception, illustrate video or image and phase
Close UI or GUI of function etc..
Meanwhile, when the display unit 33 and touch pad touch screen with formation superposed on one another in the form of layer, display unit 33
Can serve as input equipment and output device.Display unit 33 can include liquid crystal display (LCD), thin film transistor (TFT) LCD
(TFT-LCD), at least in Organic Light Emitting Diode (OLED) display, flexible display, three-dimensional (3D) display etc.
Kind.Some in these display may be constructed such that transparence to allow user from outside viewing, and this is properly termed as transparent aobvious
Show device, typical transparent display can be, for example, TOLED (transparent organic light emitting diode) display etc..Thought according to specific
The embodiment wanted, mobile terminal 3 can include two or more display units (or other display devices), for example, mobile whole
End can include outernal display unit (not shown) and inner display unit (not shown).Touch screen can be used to detect touch input
Pressure and touch input position and touch input area.
Memory element 34 can store software program for the process and control operation performed by control unit 35 etc., or
Own Jing outputs or the data (for example, telephone directory, message, still image, video etc.) that will be exported can temporarily be stored.And
And, memory element 34 can be storing the vibration of various modes with regard to exporting when touching and being applied to touch screen and audio signal
Data.
Memory element 34 can include the storage medium of at least one type, and the storage medium includes flash memory, hard disk, many
Media card, card-type memorizer (for example, SD or DX memorizeies 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 3 can perform memory element with by network connection
The network storage device cooperation of 34 store function.
The overall operation of the generally control server of control unit 35.For example, control unit 35 is performed and voice call, data
The related control of communication, video calling etc. and process.Control unit 35 can be with execution pattern identifying processing, will be in touch screen
The handwriting input of upper execution or picture are drawn input and are identified as character or image.
Fig. 4 is refer to, the hardware architecture diagram of charging terminal 4 in an embodiment of the present invention is shown.The charge end
End 4 includes scanning element 41, communication unit 42 and control unit 43.In present embodiment, the scanning element 41 is used to scan moves
The Quick Response Code that dynamic terminal 3 is produced.In present embodiment, the scanning element 41 is a dimensional code scanner.In other embodiment
In, the scanning element 41 is a two-dimensional code scanning software.The communication unit 42 is used to lead to for the charging terminal 4 and the server 1
Letter connection, in present embodiment, the communication unit 42 can include broadcasting reception module, mobile communication module, wireless Internet mould
At least one of block, short range communication module and location information module.The control unit 43 scans the movement in scanning element 41
The payment request for including pay invoice is generated after the Quick Response Code that terminal 3 is produced, and please by the payment by the communication unit 42
Ask and be sent to the server 1.
In present embodiment, first network 21 that server 1 is communicatively coupled with the mobile terminal 3, server 1 with should
The 3rd network that the second network 22 and server 1 that charging terminal 4 is communicatively coupled is communicatively coupled with the termination 5
23 may be constructed such that using the such as wired and wireless communication system via frame or packet transmission data and satellite-based
Communication system is operating.The communication system can use different air interfaces and/or physical layer.For example, by communication system
The air interface for using includes such as frequency division multiple access (FDMA), time division multiple acess (TDMA), CDMA (CDMA) and General Mobile
Communication system (UMTS) (especially, Long Term Evolution (LTE)), global system for mobile communications (GSM) etc..
Hardware configuration and communication system based on above-mentioned mobile terminal, server and termination, proposes present invention side
Method each embodiment.
First embodiment
Refering to Fig. 5, flow chart the step of Fig. 5 is a kind of method of mobile payment provided in an embodiment of the present invention, such as Fig. 5 institutes
Show, methods described includes：
Step 501, at least identity information of a second user is input into by mobile terminal 3 and by an at least second user
Identity information be sent to the server 1.
In the step 501, the identity information for being input into an at least second user by the input block 32 of the mobile terminal 3 is simultaneously
The identity information of an at least second user is sent to into the server 1.The identity information of the second user can be user
Phone number, or wechat account.
Referring to Fig. 6, a kind of user interface schematic diagram provided in showing an embodiment of the present invention.As shown in fig. 6, handss
The first user for holding mobile terminal 3 can pass through to click on the second user that " addition " button 61 determines needs addition, then search
The identity information of second user is input into/is chosen in rope hurdle 62.
Step 502, replace the first user to be paid the is authorized according to the identity information of an at least second user
The authority of two users.
In the step, server 1 receive that the mobile terminal 3 sends this at least the identity information of a second user generate
First pays list；The identity information of an at least second user is added in the first payment list；And transmission one is included
There is the addition request of identity information of the first user to the termination 5 at the second user so that the termination 5 is generated
The first user identity information is simultaneously added this and second is paid in list by one second payment list, so as to complete to authorize replacement this
The setting of the authority of the second user paid by one user.
Step 503, the signal intensity for detecting the first network 21 that the mobile terminal 3 is communicated to connect with the server 1.
Step 504, detect the first network signal intensity be less than a preset signal strength when receive charge end
The payment for including pay invoice that end 5 sends is asked, and wherein the charging terminal 5 passes through to scan two that the mobile terminal 3 is produced
The payment request for including pay invoice is generated after dimension code.
In the step, the preset signal strength is referred to and ensure that the mobile terminal 3 and service in first network 21
Lowest signal intensity required for carrying out data transmission between device 1.The Quick Response Code that the mobile terminal 3 is produced includes payment to be ordered
Single information.The information of the pay invoice includes the information of payment expense.The charging terminal 5 is by scanning mobile terminal 3
The payment request for including pay invoice is generated after the Quick Response Code of generation.Order due to including payment by the generation of mobile terminal 3
The Quick Response Code of single information be this area frequently with technological means, such as pass through Alipay software or wechat software produce one comprising
The Quick Response Code for paying sequence information is technological means commonly used in the art, the generation of mobile terminal 3 is not detailed herein and includes
The technology contents of the Quick Response Code of pay invoice information.
Step 505, respond the payment request pay invoice is sent to into the second user of the mandate so that this second is used
Family completes the payment to the pay invoice by the termination 5.
In the step, the response of the server 1 payment request is by those second users in the first payment list according to excellent
The second user of a highest priority, and the second use that the pay invoice is sent to the highest priority are chosen after first level sequence
Family is so that the second user is paid by corresponding termination 5.For example, can be big according to second user obligation authority
The cohesion size of little, second user and first user determines the priority of second user.
In the step, the termination 5 can be by the Alipay means of payment, the wechat means of payment, e-Bank payment mode
Etc. the means of payment complete the payment to the pay invoice.
Step 506, when the payment information of the pay invoice that the second user is sent by the termination 5 is received
Confirmation pays successfully.
In the step when the payment information of the pay invoice that the second user is sent by the termination 5 is received
Confirmation pays successfully and shows successful information is paid on the display unit 33 of mobile device 3 so that user checks.
Second embodiment
Referring to flow chart, such as Fig. 7 the step of Fig. 7, a kind of method of mobile payment that Fig. 7 is provided for an embodiment of the present invention
Shown, methods described includes：
Step 701, be input into by the mobile terminal 3 at least phone number of a second user and by this at least one second use
The phone number at family is sent to the server 1.
Referring to Fig. 6, a kind of user interface schematic diagram provided in showing an embodiment of the present invention.As shown in fig. 6, handss
The first user for holding mobile terminal 3 can pass through to click on the second user that addition button 61 determines needs addition, then in search
In hurdle, 62 are input into/choose the phone number of second user.
Step 702, replace the first user to be paid the is authorized according to the phone number of an at least second user
The authority of two users.
In the step, server 1 receives this that mobile terminal 3 sends and at least the phone number of a second user generates one
3rd pays list；The second addition request of a phone number comprising the first user is sent to the termination 5；And connecing
The phone number of an at least second user is added to this after the confirmation for receiving the agreement addition request that the termination 5 sends
Completing to authorize the setting of the authority of the second user for replacing the first user to be paid in 3rd payment list.
Step 703, the signal intensity for detecting the first network 21 that the mobile terminal 3 is communicated to connect with the server 1.
Step 704, detect the first network signal intensity be less than a preset signal strength when receive charge end
The payment for including pay invoice that end 5 sends is asked, and wherein the charging terminal 5 passes through to scan two that the mobile terminal 3 is produced
The payment request for including pay invoice is generated after dimension code.
In the step, the preset signal strength is referred to and ensure that the mobile terminal 3 and service in first network 21
Lowest signal intensity required for carrying out data transmission between device 1.The Quick Response Code that the mobile terminal 3 is produced includes payment to be ordered
Single information.The information of the pay invoice includes the information of payment expense.The charging terminal 5 is by scanning mobile terminal 3
The payment request for including pay invoice is generated after the Quick Response Code of generation.Order due to including payment by the generation of mobile terminal 3
The Quick Response Code of single information be this area frequently with technological means, such as pass through Alipay software or wechat software produce one comprising
The Quick Response Code for paying sequence information is technological means commonly used in the art, the generation of mobile terminal 3 is not detailed herein and includes
The technology contents of the Quick Response Code of pay invoice information.
Step 705, respond the payment request pay invoice is sent to into the second user of the mandate so that this second is used
Family completes the payment to the pay invoice by the termination 5.
In the step, the response of the server 1 payment request is by those second users in the first payment list according to excellent
The second user of a highest priority, and the second use that the pay invoice is sent to the highest priority are chosen after first level sequence
Family is so that the second user is paid by corresponding termination 5.For example, can be big according to second user obligation authority
The cohesion size of little, second user and first user determines the priority of second user.In the step, the termination 5 can
To be completed to the pay invoice by the Alipay means of payment, the wechat means of payment, e-Bank payment mode etc. the means of payment
Pay.
Step 706, when the payment information of the pay invoice that the second user is sent by the termination 5 is received
Confirmation pays successfully.
In the step when the payment information of the pay invoice that the second user is sent by the termination 5 is received
Confirmation pays successfully and shows successful information is paid on the display unit 33 of mobile device 3 so that user checks.
3rd embodiment
Referring to flow chart, such as Fig. 8 the step of Fig. 8, a kind of method of mobile payment that Fig. 8 is provided for an embodiment of the present invention
Shown, methods described includes：
Step 801, the wechat account that an at least second user is input into by the mobile terminal 3 and by this at least one second use
The wechat account at family is sent to the server 1.
Referring to Fig. 6, a kind of user interface schematic diagram provided in showing an embodiment of the present invention.As shown in fig. 6, handss
The first user for holding mobile terminal 3 can pass through to click on the second user that addition button 61 determines needs addition, then in search
The wechat account of second user is input into/is chosen in hurdle 62.
Step 802, replace the first user to be paid the is authorized according to the wechat account of an at least second user
The authority of two users.
In the step, server 1 receives the wechat account of at least second user that mobile terminal 3 sends and generates the
One pays list；The wechat account of an at least second user of the reception is added in the first payment list；And send one
Include the addition request of wechat account of the first user to the termination 5 at the second user so that the termination 5
Generate one second payment list and add the wechat account of the first user in the second payment list, so as to complete to authorize generation
The setting of the authority of the second user paid for the first user.
Step 803, the signal intensity for detecting the first network 21 that the mobile terminal 3 is communicated to connect with the server 1.
Step 804, detect the first network signal intensity be less than a preset signal strength when receive charge end
The payment for including pay invoice that end 5 sends is asked, and wherein the charging terminal 5 passes through to scan two that the mobile terminal 3 is produced
The payment request for including pay invoice is generated after dimension code.
Step 805, respond the payment request pay invoice is sent to into the second user of the mandate so that this second is used
Family completes the payment to the pay invoice by the termination 5.
In the step, the response of the server 1 payment request is by those second users in the first payment list according to excellent
The second user of a highest priority, and the second use that the pay invoice is sent to the highest priority are chosen after first level sequence
Family is so that the second user is paid by corresponding termination 5.For example, can be big according to second user obligation authority
The cohesion size of little, second user and first user determines the priority of second user.In the step, the termination 5 can
To be completed to the pay invoice by the Alipay means of payment, the wechat means of payment, e-Bank payment mode etc. the means of payment
Pay.
Step 806, when the payment information of the pay invoice that the second user is sent by the termination 5 is received
Confirmation pays successfully.
Fourth embodiment
Referring to flow chart, such as Fig. 9 the step of Fig. 9, a kind of method of mobile payment that Fig. 9 is provided for an embodiment of the present invention
Shown, methods described includes：
Step 901, be input into by the mobile terminal 3 at least identity information of a second user and by this at least one second use
The identity information at family is sent to the server 1.
Step 902, according to receive an at least second user identity information authorize replacement the first user paid
Second user authority.
In the step, first is generated when server 1 receives at least identity information of a second user and pay list；
Then the identity information of an at least second user of the reception is added in the first payment list；Finally send one to include
The addition request of the identity information of the first user is to the termination 5 at the second user so that the termination 5 generates one
The first user identity information is simultaneously added this and second is paid in list by the second payment list, so as to complete to authorize replacement this first
The setting of the authority of the second user paid by user.
Step 903, the signal intensity for detecting the first network 21 that the mobile terminal 3 is communicated to connect with the server 1.
Step 904, detect the first network signal intensity be equal to or more than the preset signal strength when receive should
The payment information that first user is sent by the mobile terminal 3, and it is true when the payment information that the mobile terminal 3 sends is received
Recognize and pay successfully.
In the step, the preset signal strength is referred to and ensure that the mobile terminal 3 and clothes in the first network 21
Lowest signal intensity required for carrying out data transmission between business device 1.
5th embodiment
A kind of functional block diagram of the mobile-payment system 100 provided for an embodiment of the present invention referring to Figure 10, Figure 10,
The mobile-payment system 100 includes：
Authorization module 101, for being input into the identity of an at least second user according to a first user by the mobile terminal 3
The authority of the second user for replacing the first user to be paid is authorized in the operation of information；
Detecting module 102, for detecting the signal of the mobile terminal 3 and the first network 21 of the communication connection of server 1
Intensity；
Receiver module 103, for the signal intensity of the first network is detected in the detecting module 102 less than a default letter
The payment request for including pay invoice that the charging terminal 5 sends is received during number intensity, wherein the charging terminal 5 is by scanning
The payment request for including pay invoice is generated after the Quick Response Code that the mobile terminal 3 is produced；
Sending module 104, for respond that the pay invoice is sent to that the authorization module 101 authorizes by payment request the
Two users are so that the second user completes the payment to the pay invoice by the termination 5；And
Receiver module 103 is receiving the disbursement letter of the pay invoice that the second user is sent by the termination 5
Confirm to pay successfully during breath.
Alternatively, the identity information of the second user can be the phone number of user, or wechat account.Institute
State preset signal strength refer to ensure that first network 21 in carry out data transmission between the mobile terminal 3 and the server 1
Required lowest signal intensity.The Quick Response Code that the mobile terminal 3 is produced includes the information of pay invoice.The payment is ordered
Single information includes the information of payment expense.The charging terminal 5 generates bag after scanning the Quick Response Code that mobile terminal 3 is produced
Payment containing pay invoice request.
Alternatively, the authorization module 101 receives an at least second user of the first user by the input of mobile terminal 3
Identity information and generate one first payment list, by the identity information of the second user be added to this first pay list in,
And send the addition of an identity information for including first user and ask to the termination 5 so that the termination 5 generates one
The first user identity information is simultaneously added this and second is paid in list by the second payment list, so as to complete to authorize replacement this first
The setting of the authority of the second user paid by user.
Alternatively, the described authorization module 101 receive the first user by the input of mobile terminal 3 this at least one second
The identity information of user simultaneously generates one the 3rd payment list, and the second addition for sending an identity information comprising the first user please
Ask to the termination 5, and after the confirmation for receiving the agreement addition request that the termination 5 sends by this at least one second
The identity information of user adds into the 3rd payment list to complete to authorize the replace the first user to be paid second use
The setting of the authority at family.
Alternatively, the receiver module 103 is additionally operable to the signal intensity that the first network is detected in the detecting module 102
The payment information that the first user is sent by the mobile terminal 3 is received during equal to or more than the preset signal strength, and is being connect
Confirm to pay successfully during the payment information for receiving the transmission of mobile terminal 3.
Alternatively, the response of the sending module 104 payment is asked an at least second user according to prioritization
The second user of a highest priority is chosen afterwards, and the pay invoice is sent to into the second user of the highest priority so that should
Second user is paid by corresponding termination 5.
Above-mentioned mobile-payment system 100 can respond input operation setting of the first user by the setting of mobile terminal 3
An at least second user carries out paying out the authority paid, and detects the first net that the server 1 is communicatively coupled with the mobile terminal 3
The signal intensity of network 21 and receive the charging terminal 4 and send when the signal intensity of the first network 21 is less than preset signal strength
The one payment request for including pay invoice, and respond the second user that the pay invoice is sent to the mandate for the payment request
So that the second user is paid by the termination 5.So as to, when first user has the demand of mobile payment, even if
Occur mobile terminal 3 communicate with server 1 not good or suspension when also can by mandate have the second user for obligation authority complete
It is into the payment of expense, convenient for users to use.
It should be noted that herein, term " including ", "comprising" or its any other variant are intended to non-row
His property is included, so that a series of process, method, article or device including key elements not only include those key elements, and
And also include other key elements being not expressly set out, or also include for this process, method, article or device institute inherently
Key element.In the absence of more restrictions, the key element for being limited by sentence "including a ...", 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 add the mode of required general hardware platform to realize by software, naturally it is also possible to by 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
The part for going out contribution can be embodied in the form of software product, and the computer software product is stored in a storage medium
In (such as ROM/RAM, magnetic disc, CD), use so that a station terminal equipment including some instructions (can be mobile phone, computer, clothes
Business device, air-conditioner, or network equipment etc.) perform method described in each embodiment of the invention.
The preferred embodiments of the present invention are these are only, the scope of the claims of the present invention is not thereby limited, it is 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 system, operates in a server, and the server passes through a first network and a mobile terminal is logical
Believe connection, the server passes through one second network and a charging terminal is communicated to connect, and the server is by one the 3rd network and extremely
Few termination communication connection, it is characterised in that the system includes：
Authorization module, for the behaviour according to a first user by the mobile terminal input at least identity information of a second user
Authorize the authority of the second user for replacing the first user to be paid；
Detecting module, for detecting the signal intensity of the first network that the mobile terminal is connected with the server communication；
Receiver module, the signal intensity for the first network is detected in the detecting module are connect when being less than a preset signal strength
The payment request for including pay invoice that the charging terminal sends is received, the wherein charging terminal is produced by scanning the mobile terminal
The payment request for including pay invoice is generated after raw Quick Response Code；
Sending module, for respond payment request by the pay invoice be sent to the authorization module mandate second user so that
The second user completes the payment to the pay invoice by the termination；And
The receiver module is true when the payment information of the pay invoice that the second user is sent by the termination is received
Recognize and pay successfully.
2. mobile-payment system as claimed in claim 1, it is characterised in that the receiver module is additionally operable to detect in the detecting module
The signal intensity for measuring the first network is equal to or more than receive the first user during preset signal strength by the movement end
The payment information that end sends, and confirm to pay successfully when the payment information that the mobile terminal sends is received.
3. mobile-payment system as claimed in claim 1, it is characterised in that the authorization module receives the first user by should
At least identity information of a second user of mobile terminal input simultaneously generates one first payment list, by the identity of the second user
Information is added to this and first pays in list, and sends the addition of identity information for including first user and ask to the terminal
Device is so that the termination generates one second payment list and the first user identity information is added the second payment list
In, so as to complete the setting of the authority for authorizing the second user for replacing the first user to be paid.
4. mobile-payment system as claimed in claim 1, it is characterised in that the authorization module receives the first user by should
Mobile terminal be input into this at least the identity information of a second user and generate one the 3rd payment list, send one comprising this first use
Second addition request of the identity information at family is to the termination, and is receiving the agreement addition request that the termination sends
Confirmation after the identity information of an at least second user is added into the 3rd payment list with complete to authorize replacement this
The setting of the authority of the second user paid by one user.
5. mobile-payment system as claimed in claim 1, it is characterised in that the sending module responds the payment and asks, should
An at least second user is according to the second user that a highest priority is chosen after prioritization, and the pay invoice is sent to
The second user of the highest priority is so that the second user is paid by corresponding termination.
6. a kind of method of mobile payment, applies in a server, a mobile terminal and an at least termination, and the server leads to
Cross a first network to be connected with the communication of mobile terminal, the server is communicated to connect with the charging terminal by one second network,
The server is communicated to connect with an at least termination by one the 3rd network, it is characterised in that the method includes：
By mobile terminal the input at least identity information of a second user the identity information by an at least second user
It is sent to the server；
The authority of the second user for replacing the first user to be paid is authorized according to the identity information of an at least second user；
Detect the signal intensity of the first network that the mobile terminal is connected with the server communication；
Including for charging terminal transmission is received when the signal intensity for detecting the first network is less than a preset signal strength
There is the payment request of pay invoice, the wherein charging terminal after scanning the Quick Response Code that the mobile terminal is produced generates this and includes
There is the payment request of pay invoice；
Respond the payment request and the pay invoice is sent to into the second user of the mandate so that the second user passes through the terminal
Device completes the payment to the pay invoice；And
Confirm to pay successfully when the payment information of the pay invoice that the second user is sent by the termination is received.
7. method of mobile payment as claimed in claim 6, it is characterised in that the method step " detect the mobile terminal with
Also include step after the signal intensity of the first network of the server communication connection "：
The first user is received when the signal intensity for detecting the first network is equal to or more than the preset signal strength to pass through
The payment information that the mobile terminal sends, and confirm to pay successfully when the payment information that the mobile terminal sends is received.
8. method of mobile payment as claimed in claim 6, it is characterised in that the method step " according to this at least one second
The identity information of user authorizes the authority of the second user for replacing the first user to be paid " include：
Receive the identity information of at least second user that the first user is input into by the mobile terminal；
Generate one first payment list；
The identity information of an at least second user of the reception is added in the first payment list；And
The addition for sending an identity information for including first user is asked to the termination so that the termination generates one
Second payment list is simultaneously added the first user identity information in the second payment list.
9. method of mobile payment as claimed in claim 6, it is characterised in that the method step " according to this at least one second
The identity information of user authorizes the authority of the second user for replacing the first user to be paid " include：
Receive the identity information that the first user is input into an at least second user by the mobile terminal；
Generate into one the 3rd payment list；
The second addition request of an identity information comprising the first user is sent to the termination；And
By the identity information of an at least second user after the confirmation for receiving the agreement addition request that the termination sends
Add to the 3rd and pay in list.
10. method of mobile payment as claimed in claim 6, it is characterised in that " responding payment request will in step for the method
The pay invoice is sent to the second user of the mandate so that the second user is paid by the termination " include：
Respond the payment request an at least second user is used according to a highest priority is chosen after prioritization second
Family；And
The pay invoice is sent to into the second user of the highest priority so that the second user passes through corresponding termination
Paid.
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| CN201610957849.7A CN106548336B (en) | 2016-11-03 | 2016-11-03 | Mobile payment system and method |
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