CN112561508A - Payment method between mobile terminals - Google Patents

Payment method between mobile terminals Download PDF

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Publication number
CN112561508A
CN112561508A CN202011622247.9A CN202011622247A CN112561508A CN 112561508 A CN112561508 A CN 112561508A CN 202011622247 A CN202011622247 A CN 202011622247A CN 112561508 A CN112561508 A CN 112561508A
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China
Prior art keywords
mobile terminal
transaction
virtual account
response message
balance
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Pending
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CN202011622247.9A
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Chinese (zh)
Inventor
张静
彭勃
陈娟娟
童楚婕
林强
张思敏
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Bank of China Ltd
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Bank of China Ltd
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Publication of CN112561508A publication Critical patent/CN112561508A/en
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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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/80—Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Signal Processing (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Telephonic Communication Services (AREA)

Abstract

The embodiment of the application discloses a payment method between mobile terminals, and particularly discloses that a first mobile terminal sends a transaction request to a second mobile terminal through a wireless transmission device; the first mobile terminal receives a response message sent by the second mobile terminal after responding to the transaction request; the first mobile terminal analyzes the response message to obtain a transaction certificate generated by the second mobile terminal based on the transaction request; after the first mobile terminal recovers the network, the first mobile terminal exchanges the transaction amount from the second virtual account on the second mobile terminal by using the transaction certificate and stores the transaction amount into the first virtual account on the first mobile terminal; wherein the transaction amount is determined based on the transaction request.

Description

Payment method between mobile terminals
This application claims priority from a chinese patent application filed by the national intellectual property office on 31/12/2019 under application number 201911425976.2 entitled "a method of payment between mobile terminals," the entire contents of which are incorporated herein by reference.
Technical Field
The present application relates to the field of data communications, and in particular, to a payment method between mobile terminals.
Background
When the mobile phone is used as a payment or collection tool, the transfer between two different mobile phones can be realized, but the transfer depends on the network state of the mobile phone, and under the condition that the network state of the two mobile phones is poor or no network state exists, the two mobile phones cannot send transfer requests to the server to transfer to the other mobile phone, so that the transfer between the two mobile phones cannot be realized, and much inconvenience is brought.
Disclosure of Invention
In order to solve the technical problem, the application provides a payment method between mobile terminals, which supports the transaction initiation request in a non-network state, and acquires the transaction amount after the network state is recovered.
The embodiment of the application discloses the following technical scheme:
a payment method between mobile terminals, comprising:
the first mobile terminal sends a transaction request to the second mobile terminal through the wireless transmission device; the first mobile terminal receives a response message sent by the second mobile terminal after responding to the transaction request;
the first mobile terminal analyzes the response message to obtain a transaction certificate generated by the second mobile terminal based on the transaction request;
after the first mobile terminal recovers the network, the first mobile terminal exchanges the transaction amount from the second virtual account on the second mobile terminal by using the transaction certificate and stores the transaction amount into the first virtual account on the first mobile terminal;
wherein the transaction amount is determined based on the transaction request.
Optionally, after the first mobile terminal recovers the network, the method further includes:
the first mobile terminal uploads the transaction information to the block chain through the first node, so that other nodes on the block chain can store the transaction information conveniently.
Optionally, after the second mobile terminal recovers the network, the method further includes:
if the first mobile terminal detects that the transaction information stored in the second node corresponding to the second mobile terminal is not updated within the preset time through the first node, the first mobile terminal sends a prompt message to the second mobile terminal so that the second mobile terminal can update the transaction information stored in the second node.
Optionally, the method further includes:
and dynamically updating the balance of each virtual account through a cloud computing technology.
Optionally, the method further includes:
and at every preset period, the first mobile terminal acquires the balance of each virtual account based on the transaction information stored by the nodes on the block chain.
Optionally, the method further includes:
the first mobile terminal determines whether the balance of the second virtual account is lower than the transaction amount according to the response message;
if so, the first mobile terminal generates transaction failure information and sends the transaction failure information to the second mobile terminal through a wireless transmission device.
Optionally, the determining, by the first mobile terminal, whether the balance of the second virtual account is lower than the transaction amount according to the response message includes:
and the first mobile terminal determines the second virtual account according to the response message, calculates the balance of the second virtual account according to the transaction information of the second virtual account stored by the first mobile terminal, and determines the balance of the second virtual account and the transaction amount.
Optionally, the wireless transmission device is built in the first mobile terminal and the second mobile terminal.
Optionally, the wireless transmission device includes a bluetooth module and/or an NFC module.
According to the technical scheme, the embodiment of the application has the following advantages:
the first mobile terminal sends a transaction request to the second mobile terminal through the wireless transmission device; the first mobile terminal receives a response message sent by the second mobile terminal after responding to the transaction request; the first mobile terminal analyzes the response message to obtain a transaction certificate generated by the second mobile terminal based on the transaction request; after the first mobile terminal recovers the network, the first mobile terminal exchanges the transaction amount from the second virtual account on the second mobile terminal by using the transaction certificate and stores the transaction amount into the first virtual account on the first mobile terminal; the transaction request is issued in the network-free state, the transaction amount is acquired after the network state is recovered, the customer experience of paying by using the mobile phone is improved, and convenience is provided for life.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a flowchart of a payment method between mobile terminals according to the present application;
fig. 2 is a flowchart of a payment method between mobile terminals according to another embodiment of the present disclosure.
Detailed Description
Embodiments of the present application are described below with reference to the accompanying drawings.
Referring to fig. 1, fig. 1 is a flowchart of a payment method between mobile terminals according to the present application, where the method includes:
step 101: the first mobile terminal sends a transaction request to the second mobile terminal through the wireless transmission device; and the first mobile terminal receives a response message sent by the second mobile terminal after responding to the transaction request.
It should be noted that, both the first mobile terminal and the second mobile terminal have a wireless transmission device, and the wireless transmission device may be a bluetooth module or an NFC module.
As an implementation manner, the first mobile terminal and the second mobile terminal both have bluetooth modules, when a transaction needs to be performed, the first mobile terminal and the second mobile terminal are connected through the bluetooth modules, the first mobile terminal sends the transaction request to the second mobile terminal through the connection, and the second mobile terminal sends a response message to the first mobile terminal after receiving the transaction request through the connection.
As an implementation manner, both the first mobile terminal and the second mobile terminal have an NFC function, when a transaction is required, the first mobile terminal and the second mobile terminal are brought close to each other, the transaction request is sent through wireless transmission, and the second mobile terminal returns a response message.
It should be noted that the transaction request carries a transaction amount, the bluetooth or the NFC is only one of the wireless transmission devices in the present application, and those skilled in the art may select other types of wireless transmission devices according to actual needs.
Step 102: and the first mobile terminal analyzes the response message to acquire a transaction certificate generated by the second mobile terminal based on the transaction request.
As an implementation manner, after the first mobile terminal receives the response message, the first mobile terminal analyzes the response message, so as to obtain a transaction credential, which is carried in the response message and generated by the second mobile terminal based on the transaction request.
It should be noted that the transaction voucher includes a first virtual account corresponding to the first mobile terminal, a second virtual account corresponding to the second mobile terminal, and a transaction amount in the transaction request, and the transaction voucher may be a digital signature, which may be designed by a person skilled in the art according to actual situations.
As an embodiment, after the first mobile terminal receives the response message, the first mobile terminal determines whether the balance of the second virtual account is lower than the transaction amount according to the response message; if so, the first mobile terminal generates transaction failure information and sends the transaction failure information to the second mobile terminal through a wireless transmission device.
As an implementation manner, the first mobile terminal determines the second virtual account according to the response message, calculates the balance of the second virtual account according to the transaction information of the second virtual account that is already stored by the first mobile terminal, and determines the balance of the second virtual account and the size of the transaction amount.
It should be noted that, a person skilled in the art may also determine whether the balance in the second virtual account is sufficient in other ways.
Step 103: and after the first mobile terminal recovers the network, the first mobile terminal exchanges the transaction amount from the second virtual account on the second mobile terminal by using the transaction certificate and stores the transaction amount into the first virtual account on the first mobile terminal.
In one embodiment, after the first mobile terminal recovers the network, the first mobile terminal may access the blockchain network, and the first mobile terminal redeems the transaction amount from the second virtual account of the second mobile terminal by using the transaction certificate and stores the transaction amount in the first virtual account of the first mobile terminal.
It should be noted that the blockchain network may be a distributed blockchain network.
On the basis of the steps 101-103, referring to fig. 2, fig. 2 is a flowchart of a payment method between mobile terminals according to another embodiment of the present application, where the method further includes:
step 204: and after the first mobile terminal recovers the network, the first mobile terminal uploads the transaction information to the block chain through the first node.
As an implementation manner, after the first mobile terminal recovers the network, the first mobile terminal uploads the transaction information to the blockchain network through the first node, so that other nodes on the blockchain network store the transaction information.
As an implementation manner, every preset period, the first mobile terminal obtains the balance of each virtual account based on the transaction information stored by the node on the block chain.
It should be noted that the preset period may be 10 minutes or 15 minutes, and those skilled in the art can design the preset period according to actual needs.
Step 205: and when the second mobile terminal recovers the network, the second mobile terminal updates the transaction information stored in the second node.
As an implementation manner, after the second mobile terminal also restores the network, if the first mobile terminal detects, through the first node, that the transaction information stored in the second node corresponding to the second mobile terminal is not updated within a preset time, the first mobile terminal sends a prompt message to the second mobile terminal, so that the second mobile terminal updates the transaction information stored in the second node.
It should be noted that the preset time may be 5 seconds, and may also be 10 seconds, and those skilled in the art may design the preset time according to actual needs.
As an implementation manner, after the mobile terminal corresponding to the blockchain network node recovers the network state, the balance of each virtual account is dynamically updated through the cloud computing technology.
The embodiment of the application has the following beneficial effects:
the first mobile terminal sends a transaction request to the second mobile terminal through the wireless transmission device; the first mobile terminal receives a response message sent by the second mobile terminal after responding to the transaction request; the first mobile terminal analyzes the response message to obtain a transaction certificate generated by the second mobile terminal based on the transaction request; after the first mobile terminal recovers the network, the first mobile terminal exchanges the transaction amount from the second virtual account on the second mobile terminal by using the transaction certificate and stores the transaction amount into the first virtual account on the first mobile terminal; the transaction request is issued in the network-free state, the transaction amount is acquired after the network state is recovered, the customer experience of paying by using the mobile phone is improved, and convenience is provided for life.
The above description is only one specific embodiment of the present application, but the scope of the present application is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present application should be covered by the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.

Claims (9)

1. A payment method between mobile terminals, comprising:
the first mobile terminal sends a transaction request to the second mobile terminal through the wireless transmission device; the first mobile terminal receives a response message sent by the second mobile terminal after responding to the transaction request;
the first mobile terminal analyzes the response message to obtain a transaction certificate generated by the second mobile terminal based on the transaction request;
after the first mobile terminal recovers the network, the first mobile terminal exchanges the transaction amount from the second virtual account on the second mobile terminal by using the transaction certificate and stores the transaction amount into the first virtual account on the first mobile terminal;
wherein the transaction amount is determined based on the transaction request.
2. The method of claim 1, wherein after the first mobile station recovers the network, the method further comprises:
the first mobile terminal uploads the transaction information to the block chain through the first node, so that other nodes on the block chain can store the transaction information conveniently.
3. The method of claim 2, wherein after the second mobile station recovers the network, the method further comprises:
if the first mobile terminal detects that the transaction information stored in the second node corresponding to the second mobile terminal is not updated within the preset time through the first node, the first mobile terminal sends a prompt message to the second mobile terminal so that the second mobile terminal can update the transaction information stored in the second node.
4. The method of claim 3, further comprising:
and dynamically updating the balance of each virtual account through a cloud computing technology.
5. The method of claim 2, further comprising:
and at every preset period, the first mobile terminal acquires the balance of each virtual account based on the transaction information stored by the nodes on the block chain.
6. The method of claim 1, further comprising:
the first mobile terminal determines whether the balance of the second virtual account is lower than the transaction amount according to the response message;
if so, the first mobile terminal generates transaction failure information and sends the transaction failure information to the second mobile terminal through a wireless transmission device.
7. The method of claim 6, wherein determining, by the first mobile terminal, from the response message, whether the balance of the second virtual account is less than the transaction amount comprises:
and the first mobile terminal determines the second virtual account according to the response message, calculates the balance of the second virtual account according to the transaction information of the second virtual account stored by the first mobile terminal, and determines the balance of the second virtual account and the transaction amount.
8. The method according to claims 1-7, wherein the wireless transmission means is built in the first mobile terminal and the second mobile terminal.
9. The method of claim 8, wherein the wireless transmission device comprises a Bluetooth module and/or an NFC module.
CN202011622247.9A 2019-12-31 2020-12-30 Payment method between mobile terminals Pending CN112561508A (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201911425976.2A CN111210212A (en) 2019-12-31 2019-12-31 Payment method between mobile terminals
CN2019114259762 2019-12-31

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN113627933A (en) * 2021-08-11 2021-11-09 中国银行股份有限公司 Method and device for mobile terminal payment in network-free state

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108596619A (en) * 2018-04-26 2018-09-28 深圳怡化电脑股份有限公司 For the method for commerce of block catenary system, device, Centroid and system
CN108681965A (en) * 2018-04-24 2018-10-19 全链通有限公司 The block chain network transaction processing method and recipient's node of offline node
CN109472588A (en) * 2018-10-29 2019-03-15 平安科技（深圳）有限公司 A kind of offline electronic payment method, apparatus, equipment and storage medium based on block chain

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108681965A (en) * 2018-04-24 2018-10-19 全链通有限公司 The block chain network transaction processing method and recipient's node of offline node
CN108596619A (en) * 2018-04-26 2018-09-28 深圳怡化电脑股份有限公司 For the method for commerce of block catenary system, device, Centroid and system
CN109472588A (en) * 2018-10-29 2019-03-15 平安科技（深圳）有限公司 A kind of offline electronic payment method, apparatus, equipment and storage medium based on block chain

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN113627933A (en) * 2021-08-11 2021-11-09 中国银行股份有限公司 Method and device for mobile terminal payment in network-free state
CN113627933B (en) * 2021-08-11 2024-04-26 中国银行股份有限公司 Method and device for mobile terminal payment under network-free state

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