CN202694458U - Online payment system based on mobile intelligent communication equipment - Google Patents
Online payment system based on mobile intelligent communication equipment Download PDFInfo
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- CN202694458U CN202694458U CN 201220400877 CN201220400877U CN202694458U CN 202694458 U CN202694458 U CN 202694458U CN 201220400877 CN201220400877 CN 201220400877 CN 201220400877 U CN201220400877 U CN 201220400877U CN 202694458 U CN202694458 U CN 202694458U
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Abstract
An online payment system based on mobile intelligent communication equipment comprises the intelligent mobile communication equipment, merchant accounting equipment and an online payment system body. The online payment system is characterized by further comprising safe payment equipment, wherein a radio frequency identification (RFID) card reader, a liquid crystal display screen module, a digital keyboard module and an encrypted chip are arranged in the safe payment equipment. The online payment system body processes payment information sent by the intelligent mobile communication equipment, and sends processed results to the merchant accounting equipment. The online payment system overcomes the defects that a desktop computer can not pay in a mobile way, and can carry out online payment in any area covered by wireless signals. By means of card reader technology, the online payment system can supply the payment information rapidly and conveniently, and solves the problem that merchant accounts are inconvenient to find. Clients do not need to carry any bank card, so traveling of the clients is convenient. Security of a payment code is ensured by means of the encrypted chip. The online payment system is convenient to use and simple to operate, and has safe and fast online payment functions.
Description
Technical field
The utility model relates to a kind of on-line payment system of movement-based intelligent communication device, in particular, relates in particular to a kind of on-line payment system that adopts payment equipment to realize the movement-based intelligent communication device of encryption function.
Background technology
Along with popularizing of intelligent movable communication facilities (such as smart mobile phone, intelligent hand-held terminal), can utilize this kind equipment to realize that anywhere or anytime on-line payment has become a hot issue popular and that financial department is paid close attention to.The key that addresses this problem then is operability and safety issue.
What the operability problem produced has its source in: the bank card that current people hold is more and more, pay in order to use as required different bank cards, people have to carry various bank cards, and this not only causes the inconvenience of carrying, and also exist the risk that bank card is lost.At present, there is this operational problem in the on-line payment product that has occurred on the market such as mobile phone La Kala and Qian Fangjun, and namely this series products need to connect a small-sized swiping card equipment at mobile phone, swipes the card to finish on-line payment by the client.
What safety issue produced has its source in: at present, along with virus spreading unchecked on the intelligent movable communication facilities, the information security issue of this kind equipment is day by day serious, when when intelligent movable communication facilities input payment cipher is paid, the great risk that payment information exists and is ravesdropping, distorts.And present similar products still adopt at the intelligent movable communication facilities such as mobile phone La Kala and to input payment cipher, can't give the client enough confidence in security.
Summary of the invention
The utility model provides a kind of on-line payment system that adopts payment equipment to realize the movement-based intelligent communication device of encryption function in order to overcome the shortcoming of above-mentioned technical matters.
The on-line payment system of movement-based intelligent communication device of the present utility model, comprise intelligent mobile communication equipment, businessman's check out devices and have the payment processing capacity on-line payment system, intelligent mobile communication equipment, businessman's check out devices and on-line payment system all can be carried out mobile radio telecommunications; It is characterized in that: comprise the payment equipment that can be connected by data line with intelligent mobile communication equipment, be provided with liquid crystal display module, the numeric keyboard module that is used for the input Password Operations and the encryption chip that password is encrypted that the RFID card reader that reads businessman's check out devices information, the information of carrying out show in the payment equipment; On-line payment system is processed the payment information that intelligent mobile communication equipment sends, and result is sent to businessman's check out devices.
Intelligent mobile communication equipment can be communicated by letter with on-line payment system by the mobile communication equipment channel, and it can be smart mobile phone or intelligent hand-held terminal; On-line payment system can be finished the payment processing capacity, and businessman's check out devices also can be communicated by letter with on-line payment system by the mobile communication equipment channel.The RFID card reader is used for reading account, the amount information of businessman's check out devices, and the numeric keyboard module is used for the Input Online account password, and encryption chip is realized the encryption of information data, guarantees the security of information.
The on-line payment system of movement-based intelligent communication device of the present utility model, described payment equipment comprises the microcontroller with computing and processing capacity, microcontroller is connected with the interchanger card reading module.The interchanger card reading module is set, can realizes the payment function of swiping the card.
The on-line payment system of movement-based intelligent communication device of the present utility model, an end of described data line is connected with the audio interface of intelligent mobile communication equipment, is provided with the USB interface that is connected with the data line other end on the payment equipment.
The on-line payment method of movement-based intelligent communication device of the present utility model, its special feature is, may further comprise the steps: a. inputs premium received, the amount of money that businessman should pay the check out devices input client of businessman, and with the close payment equipment of businessman's check out devices; B. read Business Information, the client opens the payment equipment of self, and read the accounts information of businessman and answer premium received by the RFID card reader in the payment equipment, and by the liquid crystal display on-screen-display message; C. confirmation, client, businessman confirm respectively premium received, the accounts information on the payment equipment; D. activate on-line payment software, payment equipment and intelligent mobile communication equipment connect by data line, and activate the on-line payment fail-safe software on the intelligent mobile communication equipment; E. input payment information, select a default Internet bank payment accounts from the on-line payment fail-safe software, and input the payment cipher of this account at payment equipment; F. information encryption protection, the encryption chip on the payment equipment is encrypted payment accounts, password, Merchant ID and payment, forms to encrypt payment information; And will encrypt payment information and be sent to intelligent mobile communication equipment; G. payment information validity judgement, intelligent mobile communication equipment will be encrypted payment information and transfer in the on-line payment system by cordless communication network, and on-line payment system will be verified the legitimacy of payment information after will encrypting the payment information deciphering; H. send confirmation, legal if payment information is verified as, on-line payment system then sends a successful confirmation of payment in businessman's check out devices.
Design of the present utility model will be transplanted on the intelligent movable communication facilities based on the on-line payment characteristics of desktop computer, as long as the client has offered the on-line payment function of bank, and carry out in advance the configuration of on-line payment, and need not bank card, just can realize anywhere or anytime safety, quick on-line payment.Therefore, can predict the utility model space that will have a wide range of applications in all kinds of consumption place.
The beneficial effects of the utility model are: (1) on-line payment system of the present utility model, utilize the channel of mobile communication equipment to carry out the data communication of on-line payment, break through the defective that in the past can't implement mobile payment based on the on-line payment of desktop computer, can carry out on-line payment whenever and wherever possible in any zone that wireless signal covers.(2) intelligent mobile communication equipment is combined with the card reader technology, can so that businessman can provide payer information (such as account, payment) to the client quickly and easily, solve the client in the inconvenience of carrying out to search when Mobile Online pays Merchant Account information temporarily.(3) client can preset a plurality of on-line payment accounts at intelligent mobile communication equipment, during on-line payment, can choose as required one of them account and carry out on-line payment, and need not to carry any bank card, for client's trip has brought convenience.(4) adopt modular design, payment equipment and intelligent mobile communication equipment are separated, and carry out the input of payment cipher at payment equipment, because payment equipment presets the safety encipher chip, can guarantee the security of payment cipher.Simultaneously, expansion is convenient in this modular design, can also add swiping card equipment at payment equipment, the needs of swiping the card to satisfy the client.
The utility model relates to the on-line payment method of movement-based intelligent communication device, so that the client can be in the market, the various consumption place such as hotel, refuelling station need not bank card and just can carry out safe on-line payment, and can guarantee that businessman can the real-time confirmation payout status.This utility model adopts modular design, possesses independently payment module, and is safe, utilizes simultaneously existing intelligent movable communication apparatus communication passage to finish on-line payment, and it is convenient, simple to operate to implement, and has realized safe, efficient on-line payment function.
Description of drawings
Fig. 1 is the schematic diagram of the on-line payment system of movement-based intelligent communication device of the present utility model;
Fig. 2 is the circuit theory diagrams of payment equipment in the utility model.
Among the figure: 1 intelligent mobile communication equipment, 2 payment equipments, 3 businessman's check out devices, 4 on-line payment systems, 5 data lines, 6 microcontrollers, 7 numeric keyboard modules, 8 liquid crystal display modules, 9 encryption chips, 10 RFID card reader, 11 interchanger card reading module.
Embodiment
The utility model is described in further detail below in conjunction with accompanying drawing and embodiment.
As shown in Figure 1, provided the schematic diagram of the on-line payment system of movement-based intelligent communication device of the present utility model, it comprises intelligent mobile communication equipment 1, payment equipment 2, businessman's check out devices 3, on-line payment system 4; Intelligent mobile communication equipment 1 and payment equipment 2 have formed the client module, and businessman's check out devices 3 has formed businessman's check out devices module.Intelligent mobile communication equipment 1, businessman's check out devices 3 all can intercom with on-line payment system 4 mutually by the mobile communication equipment channel, and on-line payment system 4 can be processed payment information; Intelligent mobile communication equipment 1 is connected by data line 5 with payment equipment 2, in order to realize communication function between them.Intelligent mobile communication equipment 1 can adopt smart mobile phone or intelligent hand-held terminal, businessman's check out devices 3 built-in RFID chip and SIM card chips that are used for mobile communication that comprise Merchant Account information, and have numeric keypad.
As shown in Figure 2, provided the circuit theory diagrams of payment equipment in the utility model, it comprises microcontroller 6, numeric keyboard module 7, liquid crystal display module 8, encryption chip 9, RFID card reader 10; Payment equipment 2 can read the accounts information in businessman's check out devices 3 and answers premium received by RFID card reader 10, and shows by liquid crystal display module 8.Can be to the password of Input Online payment account in the payment equipment by numeric keyboard module 7, encryption chip 9 pairs of accounts, password and amount information are encrypted, and are sent in the intelligent mobile communication equipment 1.Payment information after intelligent mobile communication equipment 1 will be encrypted passes to long-range on-line payment system 4 and is encrypted and examines.
Wherein, the interchanger card reading module 11 that is connected with microcontroller 6 can be set also on the payment equipment 2, in order to realize function of swiping card.One end of data line 5 is connected with audio interface on the intelligent mobile communication equipment 1, and the other end is connected with USB interface on the payment equipment 2, is used for realizing the communication function of payment equipment 2 and intelligent mobile communication equipment 1.
The on-line payment flow process is as follows:
(1) businessman at first inputs the amount of money that the client should pay in businessman's check out devices.
(2) client opens payment equipment.
(3) businessman is read the payment equipment of businessman's check out devices near the client accounts information of businessman and is answered premium received by card reader module built-in in the payment equipment, and show by the liquid crystal display of payment equipment.
(4) client confirms payment by the liquid crystal display of payment equipment, and allows businessman confirm the accounts information of businessman.
(5) when should pay the amount of money and accounts information confirm complete after, the client links to each other by data line payment equipment with oneself intelligent mobile communication equipment, with the on-line payment fail-safe software module on the activation intelligent mobile communication equipment.
(6) default Internet bank payment accounts of on-line payment fail-safe software module prompting customer selecting, when customer selecting and after confirming, on-line payment fail-safe software module will be notified payment equipment, and allow the client input payment cipher at payment equipment.
(7) client is in payment equipment input password and affirmation; then; (encrypt and integrity protection) after payment equipment is implemented safeguard protection with payment information, pass to on-line payment fail-safe software module on the intelligent mobile communication equipment by data line.
(8) on-line payment fail-safe software module is communicated by letter with on-line payment system by mobile telecommunication channel, and the payment information after the safeguard protection is passed to on-line payment system.By the legitimacy of on-line payment system deciphering and validation of payment information, if legal, then finish client's on-line payment function.
(9) after the on-line payment success, send one by on-line payment system to businessman's check out devices and confirm note, confirm to pay successfully.
Claims (3)
1. the on-line payment system of a movement-based intelligent communication device, comprise intelligent mobile communication equipment (1), businessman's check out devices (3) and have the payment processing capacity on-line payment system (4), intelligent mobile communication equipment, businessman's check out devices and on-line payment system all can be carried out mobile radio telecommunications; It is characterized in that: comprise can with intelligent mobile communication equipment by the payment equipment (2) that data line (5) is connected, the liquid crystal display module (8) that be provided with the RFID card reader (10) that reads businessman's check out devices information in the payment equipment, the information of carrying out shows, the numeric keyboard module (7) that is used for the input Password Operations and the encryption chip (9) that password is encrypted; On-line payment system is processed the payment information that intelligent mobile communication equipment sends, and result is sent to businessman's check out devices.
2. the on-line payment system of movement-based intelligent communication device according to claim 1, it is characterized in that: described payment equipment (2) comprises the microcontroller (6) with computing and processing capacity, and microcontroller is connected with interchanger card reading module (11).
3. the on-line payment system of movement-based intelligent communication device according to claim 1 and 2, it is characterized in that: an end of described data line (5) is connected with the audio interface of intelligent mobile communication equipment (1), and payment equipment is provided with the USB interface that is connected with the data line other end on (2).
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 201220400877 CN202694458U (en) | 2012-08-14 | 2012-08-14 | Online payment system based on mobile intelligent communication equipment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 201220400877 CN202694458U (en) | 2012-08-14 | 2012-08-14 | Online payment system based on mobile intelligent communication equipment |
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| Publication Number | Publication Date |
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| CN202694458U true CN202694458U (en) | 2013-01-23 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN 201220400877 Expired - Fee Related CN202694458U (en) | 2012-08-14 | 2012-08-14 | Online payment system based on mobile intelligent communication equipment |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103812637A (en) * | 2014-01-15 | 2014-05-21 | 深圳钱盒信息技术有限公司 | Card feeding method and system |
| CN104182873A (en) * | 2013-05-21 | 2014-12-03 | 深圳市冠凯科技有限公司 | Payment method and system |
| CN104299133A (en) * | 2014-10-22 | 2015-01-21 | 齐鲁工业大学 | On-line mobile payment system based on somatosensory network and credibility authentication method |
| CN104376465A (en) * | 2014-11-19 | 2015-02-25 | 中城智慧科技有限公司 | Safe mobile payment method |
| CN104715273A (en) * | 2015-03-30 | 2015-06-17 | 成都数云科技有限公司 | RFID security system |
| CN107341664A (en) * | 2017-06-21 | 2017-11-10 | 深圳市欧乐在线技术发展有限公司 | A kind of payment application system and its implementation based on signaling network |
-
2012
- 2012-08-14 CN CN 201220400877 patent/CN202694458U/en not_active Expired - Fee Related
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104182873A (en) * | 2013-05-21 | 2014-12-03 | 深圳市冠凯科技有限公司 | Payment method and system |
| CN103812637A (en) * | 2014-01-15 | 2014-05-21 | 深圳钱盒信息技术有限公司 | Card feeding method and system |
| CN103812637B (en) * | 2014-01-15 | 2017-05-03 | 深圳钱盒信息技术有限公司 | Card feeding method and system |
| CN104299133A (en) * | 2014-10-22 | 2015-01-21 | 齐鲁工业大学 | On-line mobile payment system based on somatosensory network and credibility authentication method |
| CN104299133B (en) * | 2014-10-22 | 2017-10-24 | 齐鲁工业大学 | Online mobile-payment system and authentic authentication method based on body-sensing net |
| CN104376465A (en) * | 2014-11-19 | 2015-02-25 | 中城智慧科技有限公司 | Safe mobile payment method |
| CN104715273A (en) * | 2015-03-30 | 2015-06-17 | 成都数云科技有限公司 | RFID security system |
| CN107341664A (en) * | 2017-06-21 | 2017-11-10 | 深圳市欧乐在线技术发展有限公司 | A kind of payment application system and its implementation based on signaling network |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| C17 | Cessation of patent right | ||
| CF01 | Termination of patent right due to non-payment of annual fee |
Granted publication date: 20130123 Termination date: 20130814 |