CN108269088A - A kind of method of mobile payment and mobile payment device - Google Patents
A kind of method of mobile payment and mobile payment device Download PDFInfo
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- CN108269088A CN108269088A CN201810074189.7A CN201810074189A CN108269088A CN 108269088 A CN108269088 A CN 108269088A CN 201810074189 A CN201810074189 A CN 201810074189A CN 108269088 A CN108269088 A CN 108269088A
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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
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
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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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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Abstract
The invention discloses a kind of method of mobile payment and mobile payment devices.The method of payment includes：Step 1：One mobile payment device is provided；Step 2：The mobile payment device is connect with mobile terminal, the mobile payment device is obtained by the payment software on mobile terminal, preserved and logs in payment accounts；Step 3：Mobile payment is carried out with the payment accounts logged in by the mobile payment device.The method of mobile payment makes delivery operation become simpler, convenient.
Description
Technical field
The present invention relates to mobile payment field more particularly to a kind of method of mobile payment and mobile payment device.
Background technology
With development of the mobile payment technology in China, mobile payment mode has widely penetrated into side's aspect of life
Face, still, the development of mobile terminal and mobile payment also can bring puzzlement to a certain part population, with shiftings such as mobile phone, tablets
The function of the dynamic payment softwares such as terminal and Alipay, wechat is more and more, operation interface, mode of operation etc. enable the elderly without
Method adapts to, and makes the elderly that can not enjoy payment caused by new technology convenient.
Invention content
In order to solve above-mentioned the deficiencies in the prior art, the present invention provides a kind of method of mobile payment and mobile payment device.
The method of mobile payment makes delivery operation become simpler, convenient.
The technical problems to be solved by the invention are achieved by the following technical programs：
A kind of method of mobile payment, including：
Step 1：One mobile payment device is provided；
Step 2：The mobile payment device is connect with mobile terminal, the mobile payment device passes through the branch on mobile terminal
Software is paid to obtain, preserve and log in payment accounts；
Step 3：Mobile payment is carried out with the payment accounts logged in by the mobile payment device.
Further, step 2 includes：
Step 2.1：The mobile payment device is connected to mobile terminal；
Step 2.2：It triggers the mobile payment device and enters registration mode；
Step 2.3：The mobile payment device is identified in payment software on mobile terminal；
Step 2.4：After being identified by, payment accounts are sent to the mobile payment device by payment software；
Step 2.5：The mobile payment device receives, preserves and log in payment accounts.
Further, it is further included after step 2.5：
Step 2.6：At least all one's life object characteristic information is preset in the mobile payment device.
Further, step 3 includes：
Step 3.1：It triggers the mobile payment device and enters payment mode, carry out step 3.2A or step 3.2B；
Step 3.2A includes：
Step 3.2A.1：The mobile payment device shows the payment code of payment accounts；
Step 3.2A.2：Others is scanned the payment code of display；
Step 3.2A.3：Complete payment；
Wherein, step 3.2A is further included before step 3.2A.2 or step 3.2A.1：
Step 3.2A.0：Others inputs payment amount on barcode scanning device；
Step 3.2B includes：
Step 3.2B.1：The mobile payment device starts barcode scanning module；
Step 3.2B.2：Others payment code for showing of barcode scanning module scans；
Step 3.2B.3：Input payment amount；
Step 3.2B.4：Complete payment；
Wherein, step 3.2B is carried out in a state that the mobile mobile payment device is connected to mobile communication network.
Further, it is further included before step 3.1：
Step 3.0：Unlock the mobile payment device.
A kind of mobile payment device, the memory module being connect including processing module and with the processing module are described to deposit
The computer program performed for the processing module is stored in storage module, the computer program is held by the processing module
Following steps are carried out during row：
Step S1：Obtain triggering command；
Step S2：If triggering command is register instruction, into registration mode S2A, if triggering command is payment instruction, enter
Payment mode S2B；
Wherein, in registration mode S2A, which obtains, preserves and step in the state of being connect with mobile terminal
Record the payment accounts in the payment software of mobile terminal；In payment mode S2B, which is paid a bill with the branch logged in
Number carry out mobile payment.
Further, the computer program carries out following steps in registration mode S2A：
Step S2A.1：Receive the payment accounts that payment software sends over；
Step S2A.2：The payment accounts of reception are stored in the storage module；
Step S2A.3：Log in the payment accounts preserved.
Wherein, step S2A.1, step S2A.2 and step S2A.3 sends payment in payment software to the mobile payment device
It is carried out after account.
Further, the computer program also carries out following steps after step S2A.3：
Step S2A.4：Default at least all one's life object characteristic information.
Further, the computer program carries out step S2B1 or step S2B2 in payment mode S2B：
Step S2B1 includes：
Step S2B1.1：The payment code of payment accounts is included in aobvious code module；
Step S2B1.2：Complete payment；
Step S2B2 includes：
Step S2B2.1 starts barcode scanning module；
Step S2B2.2：The payment code of acquisition is sent to payment server by mobile communication network；
Step S2B2.3：The payment code comparison that payment server transmission is received by mobile communication network passes through instruction；
Step S2B2.4：Obtain the payment amount of input；
Step S2B2.5：The payment amount of acquisition is sent to payment server by mobile communication network；
Step S2B2.6：Complete payment.
Further, the computer program carries out following steps in step s 2：
Step S2.1：If the triggering command obtained is register instruction, into registration mode S2A；If the triggering command obtained is
Payment instruction then carries out step S2.2 and step S2.3；
Step S2.2：Obtain the unlocked state of the mobile payment device；
Step S2.3：If the mobile payment device is in the unlocked state, into payment mode S2B；If the mobile payment device
In blocking, then payment mode S2B is not entered.
The present invention has the advantages that：The method of mobile payment is mobile whole by the way that a mobile payment device is connected to
End, is registered in the payment software of mobile terminal, is paid a bill so that the mobile payment device is obtained, preserved and logs in branch
Number, the payment function in payment software is individually extracted, directly passes through the mobile branch in payment process afterwards
It pays device to be paid, without mobile terminal and payment software complicated for operation, delivery operation is made to become simpler, just
It is prompt.
Description of the drawings
Fig. 1 is the step block diagram of method of mobile payment provided by the invention；
Fig. 2 is the functional block diagram of mobile payment device provided by the invention；
Fig. 3 is the front schematic view of mobile payment device provided by the invention；
Fig. 4 is the schematic rear view of mobile payment device provided by the invention；
Fig. 5 is the step block diagram that the computer program in mobile payment device provided by the invention is performed.
Specific embodiment
The present invention will be described in detail with reference to the accompanying drawings and examples.
Embodiment one
As shown in Figure 1, a kind of method of mobile payment, including：
Step 1：One mobile payment device is provided；
Step 2：The mobile payment device is connect with mobile terminal, the mobile payment device passes through the branch on mobile terminal
Software is paid to obtain, preserve and log in payment accounts；
In the step 2, the payment accounts acquired in the mobile payment device mainly include account title and login password, when
So, the payment accounts of acquisition can also include payment code, as offline electronic payment.Wherein, payment code is either Quick Response Code, also may be used
To be bar code, either the payment code after the gathering code of gathering is used for after scanned or is scanned for paying the bill.
Wherein, which includes：
Step 2.1：The mobile payment device is connected to mobile terminal；
In the step 2.1, the mobile payment device is connected to mobile terminal, the end by the terminal called module of itself
End communication module includes but not limited at least one of WIFI module, bluetooth module, USB module or headset plug module etc..
Step 2.2：It triggers the mobile payment device and enters registration mode；
In the step 2.2, the mobile payment device generates register instruction by the registration trigger module of itself, is noted with entering
Volume pattern；The trigger module of registering can be the registration button using forms such as mechanical key, capacitance button, touch key-press,
Or the registration touch area in the touch modules of itself, but preferably described terminal called module, i.e., described terminal are led to
News module also generates register instruction when connecting transmission data with mobile terminal.
Step 2.3：The mobile payment device is identified in payment software on mobile terminal；
In the step 2.3, payment software is retrieved by each connectivity port to mobile terminal, to identify on mobile terminal
Whether be connected with the mobile payment device, also, obtain the device ID being written in the mobile payment device, device model and
The data such as device parameter.
Step 2.4：After being identified by, payment accounts are sent to the mobile payment device by payment software；
In the step 2.4, after being identified by, payment software directly can send payment accounts to the mobile payment device,
Can before sending, first counsel user whether to mobile payment device transmission payment accounts, treats that user is true in the form of pop-up
After recognizing just payment accounts are sent to the mobile payment device.
Certainly, in order to improve safety of payment, payment software to the mobile payment device before payment accounts are sent, also
It needs first to carry out authentication to the mobile payment device, at this point, step 2.4 specifically includes：
Step 2.4.1：After being identified by, payment software sends certification instruction to the mobile payment device；
Step 2.4.2：After payment software receives certification instruction, start authentication procedure；
Step 2.4.3：The mobile payment device obtains authentication information input by user；
Step 2.4.4：The authentication information of acquisition is sent to payment software by the mobile payment device；
Step 2.4.5：The authentication information of reception and preset authentication information are compared payment software；
Step 2.4.6：After comparison passes through, payment accounts are sent to the mobile payment device by payment software.
Wherein, authentication information input by user can be the login password of payment accounts and/or at least biological characteristic letter
Breath；The mobile payment device obtains the login password of user's touch input by the touch modules of itself, alternatively, by certainly
The sound pick-up module of body come obtain user speech input login password；At least all one's life that the mobile payment device passes through itself
Object data obtaining module obtains an at least biological information, and the biological information acquisition module includes but not limited to fingerprint knowledge
At least one of other module, sound pick-up module, iris recognition module etc., the corresponding biological information obtained include but unlimited
In at least one of finger print information, voiceprint, iris information etc..
Step 2.5：The mobile payment device receives, preserves and log in payment accounts.
In the step 2.5, the mobile payment device connects mobile communication network by the mobile communication module of itself
To log in payment accounts, the mobile communication module includes but not limited in 2G modules, 3G module, 4G modules, 5G modules etc.
It is at least one.
Preferably, in order to improve safety of payment, in first login payment accounts, the payment mechanism needs to pass through terminal
Communication module connects mobile terminal, using the payment software on mobile terminal is authenticated logging in as medium.
Certainly, it is further included after step 2.5：
Step 2.6：At least all one's life object characteristic information is preset in the mobile payment device.
Preset biological information is used in releasing process and payment process be authenticated in the step 2.6.
Step 3：Mobile payment is carried out with the payment accounts logged in by the mobile payment device.
There are mainly two types of forms for mobile payment, the first is that user shows payment code, are scanned for others, second is others
Show payment code, for scanning input, both forms can be paid the bill and be collected money, wherein, the first form of payment branch
On-line payment and offline electronic payment are held, second of form of payment is only supported at line payment.
Wherein, which includes：
Step 3.1：It triggers the mobile payment device and enters payment mode, carry out step 3.2A or step 3.2B；
In the step 3.1, the mobile payment device generates payment instruction by at least one payment trigger module of itself, with
Into payment mode, the payment trigger module can be the payment using forms such as mechanical key, capacitance button, touch key-press
Button, or the payment touch area in the touch modules of itself.
In the first form of payment, by showing the payment code of user to others, scanned for others and collected money and paid
In general the form of payment of money is all to input payment amount by others, payment amount, therefore, step are inputted without user
3.2A including：
Step 3.2A.1：The mobile payment device shows the payment code of payment accounts；
In general, there are two types of barcode scanning devices, one kind is radio frequency barcode scanning gun, and for large-scale or chain businessman, identification is mostly
Bar code, another kind are mobile phone cameras, and for common businessman or individual, identification is mostly Quick Response Code, therefore, the step
In 3.2A, it is preferably but not limited to show the payment code of bar code form and quick response code form on the mobile payment device simultaneously.
It can be switched between gathering code and payment code by different payment trigger modules to trigger, alternatively, passing through
Identical payment trigger module carrys out continuous trigger and switches over.
Step 3.2A.2：Others is scanned the payment code of display；
Step 3.2A.3：Complete payment.
Wherein, step 3.2A is further included before step 3.2A.2 or step 3.2A.1：
Step 3.2A.0：Others inputs payment amount on barcode scanning device.
In second of form of payment, payment code is shown by others, so that scanning input is come the branch being collected money and paid the bill
In general the form of paying all is to input payment amount by user, therefore, step 3.2B includes：
Step 3.2B.1：The mobile payment device starts barcode scanning module；
Step 3.2B.2：Others payment code for showing of barcode scanning module scans；
Step 3.2B.3：Input payment amount；
Preferably, payment amount is inputted by voice recognition mode in step 3.2B.3, i.e., described mobile payment device passes through
The sound pick-up module of itself obtains the payment amount of user speech input.
Step 3.2B.4：Complete payment.
Wherein, step 3.2B is carried out in a state that the mobile mobile payment device is connected to mobile communication network.
Preferably, it is further included between step 3.2B.2 and step 3.2B.3：
Step 3.2B.A：The mobile payment device prompts to carry out the input of payment amount to user speech.
In step 3.2B.A, the mobile payment device carries out the same of voice prompt by the loudspeaker module of itself
When, the aobvious code module of itself is transferred to payment interface.
In order to improve safety of payment, further included before step 3.2A.3 or step 3.2B.4 is carried out：
Step 3.2B.B：Carry out payment authentication.
I.e. described mobile payment device obtains payment cipher and/or an at least biological information input by user, then
The payment cipher of acquisition is sent to by the mobile communication module of itself on payment server be compared and/or, will obtain
The biological information taken is compared with preset corresponding biological information, comparison pass through after then carry out step 3.2A.3 or
Step 3.2B.4.
In step 3.2B.B, payment authentication is preferably carried out by Application on Voiceprint Recognition mode, i.e., it can in step 3.2B.3
While to input payment amount by voice recognition mode, payment authentication is also carried out by Application on Voiceprint Recognition mode.
In order to improve safety of payment, further included before step 3.1：
Step 3.0：Unlock the mobile payment device.
Wherein, which includes：
Step 3.0.1：It triggers the mobile payment device and starts unlocking program；
Step 3.0.2：The mobile payment device obtains an at least biological information；
Step 3.0.3：The biological information of acquisition is compared with preset corresponding biological information；
Step 3.0.4：After comparison passes through, the mobile payment device is unlocked.
In the step 3.0, preferably the mobile payment device is unlocked by fingerprint recognition mode.Described in triggering
Mobile payment device starts the unlock trigger module of unlocking program, can be that the mobile payment device itself is integrated with fingerprint
The payment trigger module of the release tab of identification module or the mobile payment device itself, i.e., described payment triggering
Module is also simultaneously as unlock trigger module.
The method of mobile payment by a mobile payment device by being connected to mobile terminal, in the payment software of mobile terminal
On registered so that the mobile payment device obtain, preserve and log in payment accounts, by the payment work(in payment software
It can individually extract, directly be paid in payment process afterwards by the mobile payment device, without operation
Complicated mobile terminal and payment software, make delivery operation become simpler, convenient.
Embodiment two
As described in Fig. 2-4, a kind of mobile payment device, hardware structure includes but not limited to：
Terminal called module, carries out data transmission for being connect with mobile terminal；
Mobile communication module carries out data transmission for being connect with mobile communication network；
Trigger module is registered, for being generated into the register instruction of registration mode；
At least one payment trigger module, for being generated into the payment instruction of payment mode；
At least one biological data obtaining module, for obtaining an at least biological information；
Unlock trigger module, for generating the unlock instruction for starting unlocking program；
Barcode scanning module, for scanning the payment code that others shows in payment mode；
Aobvious code module, for showing the payment code of payment accounts in payment mode；
Touch modules for generating touch information, are integrated on the display surface of aobvious code module；
Loudspeaker module 3, for exporting voice messaging；
Power module, for providing electric energy；
Memory module, for storing computer program and payment accounts；
Processing module, for performing computer program；
The processing module is respectively electrically connected to the terminal called module, mobile communication module, registration trigger module, pays and touch
Send out module, biological information acquisition module, barcode scanning module, aobvious code module, touch modules, loudspeaker module 3 and power module.
Wherein, the terminal called module includes but not limited to WIFI module, bluetooth module, USB module or headset plug
At least one of module etc.；The mobile communication module includes but not limited to 2G modules, 3G module, 4G modules, 5G modules etc.
At least one of.
The trigger module of registering can be the registration button using forms such as mechanical key, capacitance button, touch key-press,
Or the registration touch area in the touch modules, but preferably as shown in this embodiment, the terminal called module is same
Shi Zuowei registers trigger module, i.e., described terminal called module with mobile terminal when connecting, other than being used for transmission data,
It is additionally operable to generation register instruction.
The payment trigger module can be the payment button using forms such as mechanical key, capacitance button, touch key-press,
Or the payment touch area in the touch modules, as shown in this embodiment, two are provided on the mobile payment device
A payment button, respectively sweeps and sweeps button 51 and bank settlement button 52, wherein, it is described sweep sweep button 51 for trigger startup
The barcode scanning module carries out bank settlement by barcode scanning；The bank settlement button 52 starts the aobvious code module for triggering, and passes through
Show that payment code carries out bank settlement.
The biological information acquisition module includes but not limited to fingerprint identification module 4, sound pick-up module, iris recognition module
At least one of 2 grades, the corresponding biological information obtained include but not limited to finger print information, voiceprint, iris information
At least one of Deng.
The barcode scanning module includes a rear camera module 6, depending on actual demand, can also include a radio frequency barcode scanning
Module.
The aobvious code module includes a display screen 1, and the touch modules include a touch screen, and the touch screen is fitted in institute
On the display surface for stating display screen 1.
The unlock trigger module can be the release tab of the forms such as mechanical key, capacitance button, touch key-press, optimal
Ground, integrate on the release tab fingerprint identification module 4 or, the payment trigger module is tactile as unlock simultaneously
Send out module.
As shown in figure 5, it is carried out when the computer program stored in the memory module is performed by the processing module as follows
Step：
Step S1：Obtain triggering command；
Step S2：If triggering command is register instruction, into registration mode S2A, if triggering command is payment instruction, enter
Payment mode S2B；
Wherein, in registration mode S2A, which obtains, preserves and step in the state of being connect with mobile terminal
Record the payment accounts in the payment software of mobile terminal；In payment mode S2B, which is paid a bill with the branch logged in
Number carry out mobile payment.
For the mobile payment device in registration mode S2A, acquired payment accounts mainly include account title and login
Password, certainly, the payment accounts of acquisition can also include payment code, as offline electronic payment.Wherein, payment code is either two dimension
Code or bar code, either after scanned for the gathering code of gathering or it is scanned after for payment
Payment code.
The computer program carries out following steps in registration mode S2A：
Step S2A.1：Receive the payment accounts that payment software sends over；
Step S2A.2：The payment accounts of reception are stored in the storage module；
Step S2A.3：Log in the payment accounts preserved.
Wherein, step S2A.1, step S2A.2 and step S2A.3 sends payment in payment software to the mobile payment device
It is carried out after account.
The mobile payment device connects mobile communication network to log in payment accounts by the mobile communication module, is
Raising safety of payment, it is preferable that in first login payment accounts, need to connect movement by the terminal called module
Terminal is authenticated logging in using the payment software on mobile terminal as medium.
Certainly, in order to improve safety of payment, payment software also needs to first carry out authentication to the mobile payment device,
At this point, the computer program first carries out following steps before step S2A.1 is performed：
Step S2A.01：Receive the certification instruction that payment software is sent；
Step S2A.02：Start authentication procedure；
Step S2A.03：Obtain authentication information input by user；
Step S2A.04：The authentication information of acquisition is sent to payment software.
Wherein, authentication information input by user can be the login password of payment accounts and/or at least biological characteristic letter
Breath；The mobile payment device obtains the login password of user's touch input by the touch modules, alternatively, being picked up by described
Sound device module come obtain user speech input login password；The mobile payment device passes through the biological information acquisition module
To obtain the biological information of user.
The authentication information of reception and preset authentication information are compared payment software, after comparison passes through, payment software
Payment accounts are sent to the mobile payment device.
Certainly, the computer program also carries out following steps after step S2A.3：
Step S2A.4：Default at least all one's life object characteristic information.
Preset biological information is used in releasing process and payment process be authenticated in step S2A.4.
There are mainly two types of forms for mobile payment, the first is that user shows payment code, are scanned for others, second is others
Show payment code, for scanning input, both forms can be paid the bill and be collected money, wherein, the first form of payment branch
On-line payment and offline electronic payment are held, second of form of payment is only supported at line payment.
The computer program carries out step S2B1 or step S2B2 in payment mode S2B：
Such as the present embodiment, which enters registration mode by the payment instruction that the bank settlement button 52 is formed
S2B simultaneously carries out step S2B1, sweeps the payment instruction that button 51 formed by described sweep and enters payment mode S2B and walked
Rapid S2B2.
In the first form of payment, by showing the payment code of user to others, scanned for others and collected money and paid
In general the form of payment of money is all to input payment amount by others, payment amount, therefore, step are inputted without user
S2B1 includes：
Step S2B1.1：The payment code of payment accounts is included in aobvious code module；
In general, there are two types of barcode scanning devices, one kind is radio frequency barcode scanning gun, and for large-scale or chain businessman, identification is mostly
Bar code, another kind are mobile phone cameras, and for common businessman or individual, identification is mostly Quick Response Code, therefore, the movement branch
Pay the payment code that device is preferably but not limited to show in step S2B1.1 bar code form and quick response code form simultaneously.
It can be switched between gathering code and payment code by different payment trigger modules to trigger, alternatively, passing through
Identical payment trigger module carrys out continuous trigger and switches over.In the present embodiment, collect money between code and payment code by continuously pressing
Under the bank settlement button 52 switch over, in specific implementation, different payment buttons can also be set respectively as receipts
Money button and payment button, gathering code and payment code are switched over respectively by button of collecting money with payment button.
Step S2B1.2：Complete payment.
In second of form of payment, payment code is shown by others, so that scanning input is come the branch being collected money and paid the bill
In general the form of paying all is to input payment amount by user, therefore, step S2B2 includes：
Step S2B2.1 starts barcode scanning module；
Step S2B2.2：The payment code of acquisition is sent to payment server by mobile communication network；
Step S2B2.3：The payment code comparison that payment server transmission is received by mobile communication network passes through instruction；
Step S2B2.4：Obtain the payment amount of input；
Preferably, which obtains the payment amount of input in step S2B2.4 by voice recognition mode, i.e.,
The mobile payment device obtains the payment amount of user speech input by the sound pick-up module of itself.
Step S2B2.5：The payment amount of acquisition is sent to payment server by mobile communication network；
Step S2B2.6：Complete payment.
Preferably, the computer program also carries out following steps between step S2B2.3 and step S2B2.4：
Step 3.2B2.A：The input of progress payment amount is prompted to user speech.
The mobile payment device is in step 3.2B2.A, while carrying out voice prompt by the loudspeaker module 3,
The aobvious code module is transferred to payment interface.
In order to improve safety of payment, following steps are also carried out before step S2B1.2 or step S2B2.5 is carried out：
Step S2B.A：Carry out payment authentication.
I.e. the mobile payment device obtains payment cipher and/or an at least biological information input by user, then will
The payment cipher of acquisition be sent on payment server by the mobile communication module of itself be compared and/or, will obtain
Biological information be compared with preset corresponding biological information, comparison pass through after then carry out step S2B1.2 or step
Rapid S2B2.5.
The mobile payment device preferably carries out payment authentication in step S2B.A by Application on Voiceprint Recognition mode, i.e. the shifting
While dynamic payment mechanism can obtain the payment amount of input in step S2B2.4 by voice recognition mode, also pass through sound
Line identification method carries out payment authentication.
In order to improve safety of payment, the computer program carries out following steps in step s 2：
Step S2.1：If the triggering command obtained is register instruction, into registration mode S2A；If the triggering command obtained is
Payment instruction then carries out step S2.2 and step S2.3；
Step S2.2：Obtain the unlocked state of the mobile payment device；
Step S2.3：If the mobile payment device is in the unlocked state, into payment mode S2B；If the mobile payment device
In blocking, then payment mode S2B is not entered.
Therefore, the computer program also carries out following steps：
Step S0：The mobile payment device is unlocked.
Wherein, step S0 includes：
Step S0.1：Unlock instruction is obtained, starts unlocking program；
Step S0.2：Obtain an at least biological information；
Step S0.3：The biological information of acquisition is compared with preset corresponding biological information；
Step S0.4：After comparison passes through, which is unlocked.
The mobile payment device in step so), is preferably unlocked by fingerprint recognition mode.
Embodiment described above only expresses embodiments of the present invention, and description is more specific and detailed, but can not
Therefore the limitation to the scope of the claims of the present invention is interpreted as, as long as the skill obtained using the form of equivalent substitution or equivalent transformation
Art scheme should all be fallen within the scope and spirit of the invention.
Claims (10)
1. a kind of method of mobile payment, which is characterized in that including：
Step 1：One mobile payment device is provided；
Step 2：The mobile payment device is connect with mobile terminal, the mobile payment device passes through the branch on mobile terminal
Software is paid to obtain, preserve and log in payment accounts；
Step 3：Mobile payment is carried out with the payment accounts logged in by the mobile payment device.
2. method of mobile payment according to claim 1, which is characterized in that step 2 includes：
Step 2.1：The mobile payment device is connected to mobile terminal；
Step 2.2：It triggers the mobile payment device and enters registration mode；
Step 2.3：The mobile payment device is identified in payment software on mobile terminal；
Step 2.4：After being identified by, payment accounts are sent to the mobile payment device by payment software；
Step 2.5：The mobile payment device receives, preserves and log in payment accounts.
3. method of mobile payment according to claim 2, which is characterized in that further included after step 2.5：
Step 2.6：At least all one's life object characteristic information is preset in the mobile payment device.
4. method of mobile payment according to claim 1, which is characterized in that step 3 includes：
Step 3.1：It triggers the mobile payment device and enters payment mode, carry out step 3.2A or step 3.2B；
Step 3.2A includes：
Step 3.2A.1：The mobile payment device shows the payment code of payment accounts；
Step 3.2A.2：Others is scanned the payment code of display；
Step 3.2A.3：Complete payment；
Wherein, step 3.2A is further included before step 3.2A.2 or step 3.2A.1：
Step 3.2A.0：Others inputs payment amount on barcode scanning device；
Step 3.2B includes：
Step 3.2B.1：The mobile payment device starts barcode scanning module；
Step 3.2B.2：Others payment code for showing of barcode scanning module scans；
Step 3.2B.3：Input payment amount；
Step 3.2B.4：Complete payment；
Wherein, step 3.2B is carried out in a state that the mobile mobile payment device is connected to mobile communication network.
5. method of mobile payment according to claim 4, which is characterized in that further included before step 3.1：
Step 3.0：Unlock the mobile payment device.
A kind of 6. mobile payment device, which is characterized in that the storage mould being connect including processing module and with the processing module
Block stores the computer program performed for the processing module in the memory module, and the computer program is described
Processing module carries out following steps when performing：
Step S1：Obtain triggering command；
Step S2：If triggering command is register instruction, into registration mode S2A, if triggering command is payment instruction, enter
Payment mode S2B；
Wherein, in registration mode S2A, which obtains, preserves and step in the state of being connect with mobile terminal
Record the payment accounts in the payment software of mobile terminal；In payment mode S2B, which is paid a bill with the branch logged in
Number carry out mobile payment.
7. mobile payment device according to claim 6, which is characterized in that the computer program is in registration mode S2A
Middle carry out following steps：
Step S2A.1：Receive the payment accounts that payment software sends over；
Step S2A.2：The payment accounts of reception are stored in the storage module；
Step S2A.3：Log in the payment accounts preserved；
Wherein, step S2A.1, step S2A.2 and step S2A.3 sends payment accounts in payment software to the mobile payment device
After carry out.
8. mobile payment device according to claim 7, which is characterized in that the computer program step S2A.3 it
Following steps are also carried out afterwards：
Step S2A.4：Default at least all one's life object characteristic information.
9. mobile payment device according to claim 6, which is characterized in that the computer program is in payment mode S2B
Middle progress step S2B1 or step S2B2：
Step S2B1 includes：
Step S2B1.1：The payment code of payment accounts is included in aobvious code module；
Step S2B1.2：Complete payment；
Step S2B2 includes：
Step S2B2.1 starts barcode scanning module；
Step S2B2.2：The payment code of acquisition is sent to payment server by mobile communication network；
Step S2B2.3：The payment code comparison that payment server transmission is received by mobile communication network passes through instruction；
Step S2B2.4：Obtain the payment amount of input；
Step S2B2.5：The payment amount of acquisition is sent to payment server by mobile communication network；
Step S2B2.6：Complete payment.
10. according to the mobile payment device any in claim 6-9, which is characterized in that the computer program is in step
Following steps are carried out in rapid S2：
Step S2.1：If the triggering command obtained is register instruction, into registration mode S2A；If the triggering command obtained is
Payment instruction then carries out step S2.2 and step S2.3；
Step S2.2：Obtain the unlocked state of the mobile payment device；
Step S2.3：If the mobile payment device is in the unlocked state, into payment mode S2B；If the mobile payment device
In blocking, then payment mode S2B is not entered.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201810074189.7A CN108269088A (en) | 2018-01-25 | 2018-01-25 | A kind of method of mobile payment and mobile payment device |
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| CN201810074189.7A CN108269088A (en) | 2018-01-25 | 2018-01-25 | A kind of method of mobile payment and mobile payment device |
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