CN204731832U - Electronic fare payment system - Google Patents
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- CN204731832U CN204731832U CN201520174246.0U CN201520174246U CN204731832U CN 204731832 U CN204731832 U CN 204731832U CN 201520174246 U CN201520174246 U CN 201520174246U CN 204731832 U CN204731832 U CN 204731832U
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Abstract
The utility model discloses a kind of electronic fare payment system, comprise mobile terminal, merchant tenninal and paying server, described mobile terminal comprises the payment client terminal of built-in Quick Response Code generation unit, can payment information be generated in conjunction with payment accounts and dynamic payment cipher and be translated into Quick Response Code, merchant tenninal comprises Quick Response Code scanister, paying server comprises dynamic password generation unit, payment information authentication unit and payment unit, dynamic password generation unit generates dynamic payment cipher according to payment accounts and time factor, payment information authentication unit is used for validation of payment account and dynamic payment cipher, payment unit can carry out delivery operation according to sequence information.The utility model, by generating the information interaction of dynamic payment cipher and Quick Response Code, improves the security of E-Payment, privacy and Consumer's Experience.
Description
Technical field
The utility model relates to E-Payment field, particularly relates to a kind of payment system of mobile terminal.
Background technology
Along with the high speed development of development of Mobile Internet technology, mobile terminal such as mobile phone and panel computer have more and more been employed in the middle of the electronic fare payment system on arrival line or under line.Such as when shopping online is paid the bill, businessman can send to the phone number of binding of user and pay web page interlinkage, user logs in payment webpage by mobile phone, password corresponding to account and dynamic verification code have been bound in user's input, pay after paying server checking peasant household's password and identifying code.The security of the account password information of this modes of payments user is not high, when paying especially at the scene, the account password information of user is easily stolen a glance at acquisition by other people and is caused information security hidden danger, once the account password information of user and mobile phone are by unauthorized theft, the property safety of user will be subject to great threat.In addition, when paying at the scene, also need the phone number and the Bank Account Number that manually input user's binding, delivery operation is more loaded down with trivial details and consuming time, and the on-site payment of user is experienced not good.
Utility model content
The technical matters that the utility model solves is to provide a kind of electronic fare payment system, solves the technical matters that existing electric paying method security is not high and Consumer's Experience is not good.
For solving the problems of the technologies described above, the electronic fare payment system that the utility model provides, it comprises mobile terminal, merchant tenninal and paying server, described mobile terminal comprises display unit, payment client terminal and the first communication unit, described payment client terminal comprises Quick Response Code generation unit, described first communication unit is used for by network login paying server and sends payment request information to described paying server, described Quick Response Code generation unit is used for generating payment information in conjunction with payment accounts and dynamic payment cipher and described payment information being converted into Quick Response Code, described display unit is for showing described payment client terminal interface and Quick Response Code, described merchant tenninal comprises the Quick Response Code scanister for scanning described Quick Response Code and sequence information and payment information is sent to the second communication unit of described paying server, described paying server comprises dynamic password generation unit, payment information authentication unit, 3rd communication unit and payment unit, described dynamic password generation unit is used for generating dynamic payment cipher according to described payment client terminal payment accounts and time factor, described payment information authentication unit is used for validation of payment account and dynamic payment cipher, described payment unit is used for carrying out delivery operation according to sequence information after described payment information authentication unit is verified.
Preferably, described mobile terminal comprises the fingerprint acquisition device for gathering user fingerprints feature, described payment client terminal just obtains rights of using and logs in described paying server after gathering the fingerprint characteristic identifying user identity of user by described fingerprint acquisition device, described payment information also comprises the user fingerprints feature collected, and described paying server verifies described payment accounts, dynamically payment cipher and user fingerprints feature before carrying out delivery operation.
Preferably, described dynamic password generation unit also comprises term of validity setting unit, to rise in the schedule time effectively for arranging described dynamic payment cipher self-generating, described payment information authentication unit verifies described dynamic payment cipher whether within the term of validity schedule time before carrying out delivery operation.
Preferably, described dynamic payment cipher is the character string that described payment accounts and time factor are carried out mathematics or logical operation and finally generated.
Preferably, described mobile terminal is have the mobile phone of fingerprint acquisition device, panel computer, notebook or POS.
Preferably, described display unit is touch-screen.
Preferably, described first communication unit, the first communication unit and the 3rd communication unit are WiFi wireless communication module.
The electronic fare payment system that the utility model provides, paying server generates dynamic payment cipher after receiving the request of payment, payment accounts and dynamic payment cipher combine and generate payment information and show with Quick Response Code form by payment client terminal, merchant tenninal scans Quick Response Code quickly and easily and obtains payment information and send electronic payment requests in conjunction with sequence information to paying server, paying server just carries out E-Payment operation after verifying dynamic payment cipher and user account, improve the security of E-Payment, ensure the privacy of user account information, simplify the operation of E-Payment, improve work efficiency, improve the Consumer's Experience of E-Payment.
Accompanying drawing explanation
Fig. 1 is the structural representation of the electronic fare payment system of the utility model embodiment.
Fig. 2 is the schematic flow sheet that the carrying out of the electronic fare payment system of the utility model embodiment is paid by mails.
Embodiment
The utility model provides a kind of electronic fare payment system, for making the purpose of this utility model, technical scheme and effect clearly, clearly, further describes the utility model referring to accompanying drawing examples.
As shown in Figure 1, the electronic fare payment system that the utility model embodiment provides is comprised mobile terminal 310, merchant tenninal 320 and is connected with both the paying server 330 carrying out information interaction by network, can carry out mutual communication between three by WiFi wireless communication module.
Described mobile terminal 310 comprises display unit 311, payment client terminal 312 and the first communication unit 313.Described display unit 311 can be touch-screen, and for showing interface and the Quick Response Code of described payment client terminal 310, described first communication unit 313 is for sending payment request information by paying server described in network login 330 to described paying server 330.
Described mobile terminal 310 can be the electric terminal of any removable use, such as mobile phone, panel computer, notebook and POS etc.Described payment client terminal 312 is built in the payment program of described mobile terminal 310 or pays application as Alipay, payment accounts password and long-range paying server 330 can be used to carry out information interaction by wireless network.Actual to carry out the application scenarios paid by mails time, described payment client terminal 312 can send payment request information to show the instant demand paid by mails to described paying server 330, and described payment request information comprises payment accounts and the request time of user.Described payment client terminal 310 comprises Quick Response Code generation unit 314, and described Quick Response Code generation unit 314 is for generating payment information in conjunction with payment accounts and dynamic payment cipher and described payment information is converted into Quick Response Code.
Further, in order to the security strengthening described payment client terminal 312 and pay by mails, described mobile terminal 310 is also provided with to gather and extracts user fingerprints feature with the fingerprint acquisition device of authentication of users legal identity.After only having the finger print identification verification of user to pass through, user could obtain the rights of using of described payment client terminal 312 and and log in described paying server 330.Like this, pay by mails and carry out finger print identification verification in advance, effectively prevent Conventional account number password authentification be easily stolen or tackle the potential safety hazard caused, also cannot use described payment client terminal 312 even if mobile terminal 310 loses other people and obtain its built-in payment financial data, improve the security of E-Payment and the privacy of payment information.
Described merchant tenninal 320 comprises the Quick Response Code scanister 321 for scanning described Quick Response Code and sequence information and payment information is sent to the second communication unit 322 of described paying server 330.
Before actual E-Payment by mails, be all generate sequence information in the merchant tenninal 320 paying scene usually.Such as market cashier is obtained by POS brush commodity bar code and comprises the merchandise newss such as trade name, quantity, payment, commercial product code, and merchandise news and shroff account number information fusion are generated sequence information by market cash register settlement system.After generation sequence information, merchant tenninal 320 can pass through the payment information of user described in Quick Response Code quick obtaining described in image sensor scan, and the sequence information merging previously generation sends to described paying server 330 to examine payment with request by wired or wireless network.The payment information of user is transmitted by Quick Response Code, fast very convenient to the E-Payment under on-the-spot and line, also protect the payment accounts information of user simultaneously well, improve the efficiency of E-Payment, security and Consumer's Experience.
Described paying server 330 comprises dynamic password generation unit 331, payment information authentication unit 332, the 3rd communication unit 333 and payment unit 334.
Described dynamic password generation unit 331, for generating dynamic payment cipher according to described payment client terminal 312 payment accounts and time factor, namely carries out to described payment accounts and time factor the character string that mathematics or logical operation finally generate.Such as, the payment accounts of user is 12345678, when the dynamic payment cipher rise time is 12:40:15,124015 as time factor, and both are done addition arithmetical operation and generate numeric string 12469693 as instant dynamic payment cipher by described dynamic password generation unit 331.Like this, dynamic payment cipher dynamically generates in real time according to the E-Payment demand of user and change, and remembers and be difficult to illegally be intercepted by other people or crack, improve the security of payment cipher and the convenience of use without the need to user.
Described payment information comprises described payment accounts and dynamic payment cipher, and described payment information is converted into Quick Response Code by described payment client terminal 312.Due to the dynamic change along with the rise time of dynamic payment cipher, so described Quick Response Code is also dynamic change, thus comparatively speaking described dynamic payment cipher be stolen use risk very little.Described Quick Response Code may be displayed in the interface of described payment client terminal 312; also may be displayed in other interfaces of the display device of described mobile terminal 310; avoid the payment accounts and dynamic payment cipher that show real user; the payment account information of user and privacy information are protected well, improve the security of E-Payment.
Described payment information authentication unit 332 is for verifying described payment accounts and dynamic payment cipher, and described payment unit 334 for carrying out delivery operation according to sequence information after described payment information authentication unit 332 is verified.Described paying server 330 normally has the electronic clearing system of financial settlement qualification mechanism, when receiving the payment request that trade company sends over, examines described payment accounts and dynamic payment cipher.Described dynamic payment cipher is that described dynamic password generation unit 331 is generated by algorithm in advance, corresponding user's payment accounts and dynamic payment cipher rise time can be derived by algorithm reverse push, information in the payment request that so just the user's payment accounts derived and dynamic payment cipher rise time and prior described payment client terminal 312 can be sent is compared, then be verified as both all coincide, the payment unit 334 of described paying server 330 continues the payment accounts according to obtaining, shroff account number, payment carries out instant funds transaction operation.
Further, described dynamic password generation unit 331 also comprises term of validity setting unit, to rise in the schedule time effectively for arranging dynamic payment cipher self-generating, described payment information authentication unit 332 verifies described dynamic payment cipher whether within the term of validity schedule time before carrying out delivery operation.Such as, term of validity setting unit arranges the term of validity for effective in 60 seconds from 12:40:15, it is then invalid that the term of validity of dynamic payment cipher 12469693 will be exceeded the time limit by the end of 12:41:15, and continuation payment server 330 verifies dynamic payment cipher whether within the term of validity schedule time before carrying out delivery operation.Like this, require that user's instant use after dynamic payment cipher generates is paid by mails, effectively prevent that time-lag causes forget, dynamically payment cipher lose, maloperation or other abnormal risk, reduce risk and the exception of E-Payment, improve the safety and reliability of E-Payment.
Preferably, described mobile terminal 310 also comprises the fingerprint acquisition device for gathering user fingerprints feature, described payment client terminal 312 just obtains rights of using and logs in described paying server 330 after gathering the fingerprint characteristic identifying user identity of user by described fingerprint acquisition device, described payment information also comprises the user fingerprints feature collected, and described paying server 330 verifies described payment accounts, dynamically payment cipher and user fingerprints feature before carrying out delivery operation.Described paying server 330 also needed the fingerprint characteristic of authentication of users to examine the legal identity of the payment accounts of user further before carrying out delivery operation, effectively reduce described payment information by the security risk illegally intercepting or reveal, improve the safety and reliability of E-Payment.
Fig. 2 is the schematic flow sheet that the carrying out of the electronic fare payment system of the utility model embodiment is paid by mails.As shown in the figure, the E-Payment of carrying out of described electronic fare payment system comprises step:
Step S1: payment client terminal 312 connection is logged in paying server 330 by the first communication unit 313 by mobile terminal 310, and sends payment request information to described paying server 330.
Step S2: the dynamic payment cipher generation unit 331 of described paying server 330 generates dynamic payment cipher according to the payment accounts received from the 3rd communication unit 334 and time factor, and sends to described payment client terminal 312 by the 3rd communication unit 334.
Step S3: described payment client terminal 312 generates payment information in conjunction with described payment accounts and dynamic payment cipher, and by Quick Response Code generation unit 314, described payment information is converted into Quick Response Code and is presented in the display device of described mobile terminal 310.
Step S4: merchant tenninal 320 scans described Quick Response Code by Quick Response Code scanister 321 and obtains described payment information, and by the second communication unit 322, sequence information and described payment information are sent to described paying server 330.
Step S5: described paying server 330 receives described payment accounts and dynamic payment cipher by the 3rd communication unit 334, after verifying that described payment accounts and dynamic payment cipher pass through by payment information authentication unit 332, carry out delivery operation by payment unit 333 according to sequence information.
In sum, the electronic fare payment system that the utility model provides, paying server generates dynamic payment cipher after receiving the request of payment, payment accounts and dynamic payment cipher combine and generate payment information and show with Quick Response Code form by payment client terminal, merchant tenninal scans Quick Response Code quickly and easily and obtains payment information and send electronic payment requests in conjunction with sequence information to paying server, paying server just carries out E-Payment operation after verifying dynamic payment cipher and user account, improve the security of E-Payment, ensure the privacy of user account information, simplify the operation of E-Payment, improve work efficiency, improve the Consumer's Experience of E-Payment.
Be understandable that; for those of ordinary skills; can be equal to according to the technical solution of the utility model and utility model design thereof and replace or change, and all these change or replace the protection domain that all should belong to the claim appended by the utility model.
Claims (7)
1. an electronic fare payment system, it is characterized in that, it comprises mobile terminal, merchant tenninal and paying server, described mobile terminal comprises display unit, payment client terminal and the first communication unit, described payment client terminal comprises Quick Response Code generation unit, described first communication unit is used for by network login paying server and sends payment request information to described paying server, described Quick Response Code generation unit is used for generating payment information in conjunction with payment accounts and dynamic payment cipher and described payment information being converted into Quick Response Code, described display unit is for showing interface and the Quick Response Code of described payment client terminal, described merchant tenninal comprises the Quick Response Code scanister for scanning described Quick Response Code and sequence information and payment information is sent to the second communication unit of described paying server, described paying server comprises dynamic password generation unit, payment information authentication unit, 3rd communication unit and payment unit, described dynamic password generation unit is used for generating dynamic payment cipher according to described payment client terminal payment accounts and time factor, described payment information authentication unit is used for validation of payment account and dynamic payment cipher, described payment unit is used for carrying out delivery operation according to sequence information after described payment information authentication unit is verified.
2. electronic fare payment system as claimed in claim 1, it is characterized in that, described mobile terminal comprises the fingerprint acquisition device for gathering user fingerprints feature, described payment client terminal just obtains rights of using and logs in described paying server after gathering the fingerprint characteristic identifying user identity of user by described fingerprint acquisition device, described payment information also comprises the user fingerprints feature collected, and described paying server verifies described payment accounts, dynamically payment cipher and user fingerprints feature before carrying out delivery operation.
3. electronic fare payment system as claimed in claim 1 or 2, it is characterized in that, described dynamic password generation unit also comprises term of validity setting unit, to rise in the schedule time effectively for arranging described dynamic payment cipher self-generating, described payment information authentication unit verifies described dynamic payment cipher whether within the term of validity schedule time before carrying out delivery operation.
4. electronic fare payment system as claimed in claim 1 or 2, is characterized in that, described dynamic payment cipher is the character string that described payment accounts and time factor are carried out mathematics or logical operation and finally generated.
5. electronic fare payment system as claimed in claim 1, is characterized in that, described mobile terminal is have the mobile phone of fingerprint acquisition device, panel computer, notebook or POS.
6. electronic fare payment system as claimed in claim 1, it is characterized in that, described display unit is touch-screen.
7. electronic fare payment system as claimed in claim 1, it is characterized in that, described first communication unit, the first communication unit and the 3rd communication unit are WiFi wireless communication module.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201520174246.0U CN204731832U (en) | 2015-03-26 | 2015-03-26 | Electronic fare payment system |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201520174246.0U CN204731832U (en) | 2015-03-26 | 2015-03-26 | Electronic fare payment system |
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| CN204731832U true CN204731832U (en) | 2015-10-28 |
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| CN201520174246.0U Active CN204731832U (en) | 2015-03-26 | 2015-03-26 | Electronic fare payment system |
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Cited By (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104732388A (en) * | 2015-03-26 | 2015-06-24 | 深圳市亚略特生物识别科技有限公司 | Electronic payment method and system |
| CN105610873A (en) * | 2016-03-22 | 2016-05-25 | 广东欧珀移动通信有限公司 | Identity authentication method and device |
| CN106067113A (en) * | 2016-05-25 | 2016-11-02 | 努比亚技术有限公司 | Quick payment mechanism, mobile terminal and method |
| CN106203586A (en) * | 2016-06-28 | 2016-12-07 | 北京华大领创智能科技有限公司 | Financial IC card, payment system and method for payment |
| CN106296354A (en) * | 2016-08-08 | 2017-01-04 | 李建成 | A kind of driver of raising and passenger go together the method and system of rate |
| CN106651378A (en) * | 2016-10-21 | 2017-05-10 | 北京数码视讯支付技术有限公司 | Payment terminal, system and method |
| CN107067062A (en) * | 2017-04-13 | 2017-08-18 | 上海与德科技有限公司 | A kind of forming method of payment code, method of payment and system based on mobile terminal |
| CN107491950A (en) * | 2017-08-31 | 2017-12-19 | 天津永兴泰科技有限公司 | Barcode scanning payment mechanism and payment system based on residents ' health card |
| CN108711049A (en) * | 2018-07-11 | 2018-10-26 | 深圳市华士精成科技有限公司 | A kind of graphic code payment system and method for payment |
| CN108960806A (en) * | 2017-05-17 | 2018-12-07 | 北京博瑞彤芸文化传播股份有限公司 | payment processing method |
| CN111815318A (en) * | 2020-06-17 | 2020-10-23 | 衡水海博云科技有限公司 | Equipment, system and method for aggregated payment |
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2015
- 2015-03-26 CN CN201520174246.0U patent/CN204731832U/en active Active
Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104732388A (en) * | 2015-03-26 | 2015-06-24 | 深圳市亚略特生物识别科技有限公司 | Electronic payment method and system |
| CN105610873A (en) * | 2016-03-22 | 2016-05-25 | 广东欧珀移动通信有限公司 | Identity authentication method and device |
| CN106067113A (en) * | 2016-05-25 | 2016-11-02 | 努比亚技术有限公司 | Quick payment mechanism, mobile terminal and method |
| CN106203586A (en) * | 2016-06-28 | 2016-12-07 | 北京华大领创智能科技有限公司 | Financial IC card, payment system and method for payment |
| CN106296354A (en) * | 2016-08-08 | 2017-01-04 | 李建成 | A kind of driver of raising and passenger go together the method and system of rate |
| CN106296354B (en) * | 2016-08-08 | 2020-02-14 | 李建成 | Method and system for improving co-traffic rate of driver and passenger |
| CN106651378A (en) * | 2016-10-21 | 2017-05-10 | 北京数码视讯支付技术有限公司 | Payment terminal, system and method |
| CN107067062A (en) * | 2017-04-13 | 2017-08-18 | 上海与德科技有限公司 | A kind of forming method of payment code, method of payment and system based on mobile terminal |
| CN108960806A (en) * | 2017-05-17 | 2018-12-07 | 北京博瑞彤芸文化传播股份有限公司 | payment processing method |
| CN107491950A (en) * | 2017-08-31 | 2017-12-19 | 天津永兴泰科技有限公司 | Barcode scanning payment mechanism and payment system based on residents ' health card |
| CN108711049A (en) * | 2018-07-11 | 2018-10-26 | 深圳市华士精成科技有限公司 | A kind of graphic code payment system and method for payment |
| CN111815318A (en) * | 2020-06-17 | 2020-10-23 | 衡水海博云科技有限公司 | Equipment, system and method for aggregated payment |
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Address after: T2-a2-a, Gaoxin industrial village, no.022, Gaoxin South 7th Road, Nanshan District, Shenzhen City, Guangdong Province, 518057 Patentee after: Shenzhen yaliote Technology Co.,Ltd. Address before: T2-a2-a, Gaoxin industrial village, no.022, Gaoxin South 7th Road, Nanshan District, Shenzhen City, Guangdong Province, 518057 Patentee before: SHENZHEN ARATEK BIOMETRICS TECHNOLOGY Co.,Ltd. |