WO2012163058A1

WO2012163058A1 - Remote payment method, device and system

Info

Publication number: WO2012163058A1
Application number: PCT/CN2011/082529
Authority: WO
Inventors: 吴明远; 李应龙; 韩冰; 张恺
Original assignee: 中兴通讯股份有限公司
Priority date: 2011-05-31
Filing date: 2011-11-21
Publication date: 2012-12-06
Also published as: CN102810190A

Abstract

Disclosed are a remote payment method, device and system. The method comprises: a user terminal acquiring, from a merchant terminal, transaction information, and displaying the information on a screen of the user terminal; the user terminal receiving authentication information input by a user; and the user terminal sending the transaction information and the authentication information to a payment system at a remote end, thereby completing the payment process. The present invention can be adopted to solve the problem in the related art that the remote payment requires the user to manually input the transaction information into a mobile phone, which is difficult to some extent and is slow to operate. In addition, this method is increasingly risky and of low security with gradually more mobile phone viruses, which further leads to bad consuming experience and difficulty in popularization.

Description

TECHNICAL FIELD The present invention relates to the field of communications, and in particular to a remote payment method, apparatus, and system. BACKGROUND With the popularization of mobile phone terminals, in order to alleviate the troubles of consumers carrying too many cards, mobile phone-based payment methods have been greatly developed, which is mobile payment, also called mobile payment. Traditionally, mobile payments are divided into two different scenarios: near-field payment, remote payment. The so-called near-field payment refers to the payment method using RFID (Radio Frequency Identification) technology with a communication distance of less than 10 cm. For remote payment, the application software on the mobile phone is used to input transaction information by the consumer. The wireless network connects to the remote back-end payment system to complete the payment process. The technologies used for near field payment include RFSIM (Radio Frequency Subscriber Identity Module), SIMPass (Subscriber Identity Module Pass), NFC (Near Field Communication), and other technologies. Including original NFC and eNFC (enhanced Near Field Communication), the difference between the two is that there is no connection between the original FC and the Subscriber Identity Module (SIM), and the eNFC passes the SWP (Single Wire Protocol). , single network protocol) protocol and mobile phone SIM card connection; remote payment involves application development on mobile phones, closely related to mobile phone operating system, different implementations on different operating systems | J, even on the same operating system The applications developed by different mobile phone manufacturers will also be different. The feature of near-field payment is that the merchant POS (Point Of Sale) is the main business. The merchant POS initiates the transaction process. The consumer mobile phone acts as a traditional contactless card. The mobile phone cooperates with the merchant POS to complete identity authentication and account deduction. When the operation is completed, the entire transaction process is controlled by the merchant POS; the remote payment requires the consumer to input the transaction information in the mobile application software, and then the application software connects to the remote payment system through the wireless network, thereby completing the transaction, and the remote payment usually does not require the merchant POS. participate. Near-field payment is very convenient. You can complete the payment by simply swiping your mobile phone, but it is usually only used for small payment, such as taking a mobile phone by bus, subway, taxi, etc. The amount of remote payment involves a wide range. However, it is necessary to manually input transaction information in the mobile phone software. For ordinary consumers, inputting too much content on a small mobile phone screen is difficult and slow, and as the mobile phone virus increases, this method also Faced with more and more risks, the security performance is low, which leads to a poor consumer experience and is difficult to popularize. For the remote payment in the related art, the user needs to manually input the transaction information into the mobile phone, which is difficult and slow, and as the mobile phone virus increases, this method also faces more and more risks, and the security performance is low. The problem that leads to a poor consumer experience and difficulty in popularization has not yet come up with an effective solution. SUMMARY OF THE INVENTION The present invention provides a remote payment method, apparatus, and system, to at least solve the remote payment in the related art, requiring a user to manually input transaction information into a mobile phone, which is difficult and slow, and gradually becomes a mobile phone virus. This method is also facing more and more risks, and the security performance is low, which leads to a poor consumer experience and difficulty in popularization. According to an aspect of the present invention, a remote payment method is provided, including: a user terminal acquires transaction information from a merchant terminal and displays it on a screen of the user terminal; and the user terminal receives identity verification information input by the user; The user terminal sends the transaction information and the identity verification information to a remotely located payment system to complete the payment process. Preferably, the user terminal includes an FC terminal having a near field communication FC function; and the merchant terminal includes a merchant point of sale POS. Preferably, the user terminal obtains the transaction information from the merchant terminal, and the method includes: the FC terminal flashing the machine at the merchant POS, and acquiring the transaction information by using an NFC data transmission channel, where the transaction information is input by the merchant in advance The merchant POS. Preferably, the FC terminal is flashing on the merchant POS, and the method includes: when the FC terminal is flashing on the merchant POS, the distance between the NFC terminal and the merchant POS is not greater than the NFC effective transmission distance. Preferably, the FC effective transmission distance is 10 cm. Preferably, after the completing the payment process, the method further includes: the user terminal receiving the transaction result returned by the payment system, and displaying the result on the screen. Preferably, the transaction information includes at least one of the following: a transaction amount, a product name, and a quantity of goods. Preferably, the identity verification information includes at least one of the following: a personal verification code PIN, a one-time password of the transaction, a verification code, and an identity card number. According to another aspect of the present invention, a remote payment device is provided, which is provided in a user terminal, and includes: an obtaining module, configured to acquire transaction information from a merchant terminal, and display the same on a screen of the user terminal; The module is configured to receive the authentication information input by the user; and the support module is configured to send the transaction information and the authentication information to the remotely located payment system to complete the payment process. According to another aspect of the present invention, a remote payment system is provided, including a user terminal and a merchant terminal: the merchant terminal is configured to provide transaction information; the user terminal is configured to acquire the transaction from the merchant terminal And displayed on the screen of the user terminal; receiving the authentication information input by the user; transmitting the transaction information and the identity verification information to the payment system located at the remote end, and completing the payment process. In the embodiment of the present invention, the user terminal acquires transaction information from the merchant terminal and displays it on the screen of the user terminal; the user terminal receives the identity verification information input by the user; the user terminal sends the transaction information and the identity verification information to the remote terminal. Payment system, complete the payment process. That is, in the embodiment of the present invention, the transaction information is provided by the merchant terminal, and the user terminal only needs to obtain the transaction information, and does not require the user to manually input the transaction information in the user terminal, thereby improving the acquisition speed of the transaction information; and, the user identity verification information is Input on the user terminal also reduces the risk that the authentication information is easily leaked, and the security is high. BRIEF DESCRIPTION OF THE DRAWINGS The accompanying drawings, which are set to illustrate,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, 1 is a process flow diagram of a remote payment method according to an embodiment of the present invention; FIG. 2 is a schematic diagram of an application environment according to a second embodiment of the present invention; FIG. 3 is a schematic diagram of an embodiment according to an embodiment of the present invention. FIG. 4 is a schematic structural diagram of a remote payment device according to an embodiment of the present invention; and FIG. 5 is a schematic structural diagram of a remote payment system according to an embodiment of the present invention. BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, the present invention will be described in detail with reference to the accompanying drawings. It should be noted that the embodiments in the present application and the features in the embodiments may be combined with each other without conflict. As mentioned in the related art, remote payment requires the user to manually input transaction information into the mobile phone, which is difficult and slow, and as the mobile phone virus increases, this method also faces more and more risks, and the security performance is low. As a result, the consumer experience is poor and it is difficult to popularize. To solve the above technical problem, an embodiment of the present invention provides a remote payment method, and the processing flow thereof is as shown in FIG. 1 , including: Step S102: A user terminal acquires transaction information from a merchant terminal, and displays the information on a screen of the user terminal; Step S104: The user terminal receives the identity verification information input by the user. Step S106: The user terminal sends the transaction information and the identity verification information to the remotely located payment system to complete the payment process. In the embodiment of the present invention, the user terminal acquires transaction information from the merchant terminal and displays it on the screen of the user terminal; the user terminal receives the identity verification information input by the user; the user terminal sends the transaction information and the identity verification information to the remote terminal. Payment system, complete the payment process. That is, in the embodiment of the present invention, the transaction information is provided by the merchant terminal, and the user terminal only needs to obtain the transaction information, and does not require the user to manually input the transaction information in the user terminal, thereby improving the acquisition speed of the transaction information; and, the user identity verification information is Input on the user terminal also reduces the risk that the authentication information is easily leaked, and the security is high. In the implementation, there are many types of user terminals. Preferably, the user terminal can use an FC terminal with an NFC function, such as an original NFC terminal, and for example, an eFC terminal; and the merchant terminals involved may also have multiple types, for example, In the embodiment of the present invention, the merchant point of sale POS can be adopted. In the process shown in FIG. 1 , when the step S102 is implemented, the user terminal obtains the transaction information from the merchant terminal, and the FC terminal can use the FC terminal to perform the transaction on the merchant POS, and the FC terminal uses the FC data transmission channel to obtain the transaction information, and implements At the time, the transaction information is entered into the merchant POS by the merchant in advance. Due to the limitations of the FC technology, in order to ensure the validity of the information acquired by the FC terminal, when the FC terminal is flashing on the merchant POS, the distance between the NFC terminal and the merchant POS should not be greater than the effective transmission distance of the FC. The currently known FC effective transmission distance is 10 cm. Correspondingly, when the FC terminal performs brushing, the distance from the merchant POS should be no more than 10 cm. In implementation, after the payment process is completed, the method further includes: the user terminal receives the transaction result returned by the payment system, and displays it on the screen. Correspondingly, the payment system also sends the transaction result to the merchant POS, informing the merchant of the transaction result. If the transaction fails, the payment system also needs to provide the reason for the failure. The transaction information includes at least one of the following: transaction amount, product name, and item quantity. The authentication information includes at least one of the following: a PIN (Personal Identification Number), a one-time password for the transaction, a verification code, and an ID number. In summary, the embodiment of the present invention proposes a new remote payment method, which has the convenience of near field payment and remote payment capability, and improves the payment experience of the consumer. In the embodiment of the present invention, the transaction information is input by the merchant P0S in the near field payment, and then the FC terminal acquires the transaction information input on the merchant POS through the FC, and displays the information on the FC terminal screen, and the consumer confirms the transaction information in the FC. The terminal enters its own authentication information. Finally, the FC terminal connects to the remote payment system through the operator's wireless network to complete the transaction, and the transaction result is returned to the FC terminal and the merchant P0S. Compared with the traditional remote payment, the invention avoids the manual input of the cumbersome transaction information by the consumer on the FC terminal, and only needs the consumer to confirm the transaction information and input the authentication information; compared with the traditional near field payment, the invention The payment process is not controlled by the merchant P0S, but is controlled by the NFC terminal, which improves the consumer's ability to control the transaction, reduces the security requirement for the merchant POS, and helps to reduce the POS cost of the merchant. The remote payment method provided by the embodiment of the present invention will be explained and illustrated by a specific embodiment. Embodiment 1 The method implementation steps of the embodiment are as follows: Step 1: The store staff enters transaction information on the merchant P0S, prompting the consumer to swipe the card, wherein the transaction information is generated by the merchant POS, and the merchant inputs the transaction information, the transaction information at the POS. Including the transaction amount, and all or part of the information such as the name and quantity of the product; Step 2, the consumer swipes the FC terminal on the merchant POS, and uses the FC data transmission channel, the FC terminal obtains the transaction information input in step 1 from the merchant P0S, And display on the FC terminal screen; NFC terminal refers to the mobile phone with FC function, where NFC includes both original FC and eNFC. Both the NFC terminal and the merchant POS have the NFC transmission capability. The FC transmission protocol is used, and the merchant POS transmits the transaction information to the FC terminal. The FC terminal can use the point-to-point mode of the FC to read the transaction information, and can also use the reader mode or the card mode; 3. The consumer confirms the transaction information on the FC terminal and enters its own authentication information on the FC terminal for verification; the confirmation of the transaction information and the input of the authentication information can be implemented either through the application software on the mobile phone or through STK (SIM Tool Kit) on the SIM card of the mobile phone Single-complete; the input authentication information includes but not limited to all or part of the PIN code, one-time password, verification code, ID card number, etc. Step 4: After the FC terminal successfully verifies the identity information, it is connected through the operator's wireless network. The payment system of the end, sends the transaction request, the payment system verifies the legality of the transaction, completes the payment process, and returns the transaction result to the FC terminal and the merchant; the FC terminal connects to the payment system through the operator's wireless network, and the connection manner includes but is not limited to SMS ( Short Messaging Service, http (Hypertext Transfer Protocol), https (Hypertext Transfer Protocol over Secure Socket Layer), TCP/IP (Transmission Control Protocol/Internet Protocol) Protocol/Internet Protocol, WAP, etc., the transmitted data is encrypted to ensure the privacy and integrity of the transaction; FC terminal and payment system may need one or more steps to complete the payment; the transaction result is divided into success or failure In both cases, if you lose , The cause of the failure is displayed; Step 5, FC terminal displays the result of payment. The first embodiment can achieve the following effects: the embodiment uses the FC technology to remove the user's manual input of the transaction information in the traditional remote payment, and the consumer only needs to confirm the transaction information and input the authentication information, thereby realizing the remote payment. . This embodiment combines the advantages of near field payment and remote payment, effectively improving the transaction speed and improving the consumption experience. With the popularity of FC terminals, the present invention will greatly facilitate consumer payment activities. An application example of the remote payment based on the FC technology is provided in the second embodiment. The application environment is as shown in FIG. 2, including: a merchant POS 201, an FC terminal 202, a communication network 203, and a payment system 204, where The merchant POS 201, the merchant can input the transaction amount, the product name and the like information; the FC terminal 202 can read the transaction information through the NFC function; the communication network 203 is usually maintained by the operator, and is connected to the mobile phone through the wireless; The payment system 204 stores consumer account information and has the ability to pay. The FC terminal 202 and the merchant P0S 201 communicate with each other by using the FC, so the merchant P0S 201 also needs to have the FC transmission capability. Since the effective transmission distance of the FC is within 10 cm, the NFC terminal 202 is required to be close to the brush. The NFC terminal 202 and the payment system 204 are connected by a carrier wireless network. FIG. 3 is a process flow of a remote payment method using the application environment shown in FIG. 2, including: Step S302, the merchant inputs the transaction information at the POS, including the transaction amount, the product name and the quantity, and prompts the consumer to swipe the FC terminal; Step S304, the consumer swipes the FC terminal in the merchant POS card swipe area, between the POS and the NFC terminal The transmission distance is within 10 cm; Step S306, the action of the NFC terminal is activated to activate the SIM card STK in the FC terminal, and the STK obtains the transaction information input by the merchant in step 201 through the NFC; Step S308, the SIM card STK display of the NFC terminal is displayed. The transaction information includes the transaction amount, the product name and quantity, the merchant name, and the like; Step S310, the consumer checks the transaction information displayed by the FC terminal, if yes, confirms, enters the PIN code; otherwise, the transaction is rejected, and the process ends; Step S312 The SIM card verifies whether the PIN code is correct. If it is correct, the SMS transaction request is sent to the payment system; otherwise, the transaction is rejected, and the process ends; Step S314, the payment system verifies the legality of the transaction, such as account verification, etc. If successful, the transaction action is executed. Otherwise, the transaction is rejected, the transaction fails; Step S316, payment system SMS transaction results back to the NFC terminal; step S318, NFC terminal receives the transaction result is displayed to the consumer, the process ends. Based on the same inventive concept, an embodiment of the present invention further provides a remote payment device, which is disposed in a user terminal, and has a structure diagram as shown in FIG. 4, including: an obtaining module 401, configured to acquire transaction information from a merchant terminal, and display On the screen of the user terminal; the receiving module 402 is configured to receive the authentication information input by the user; and the support module 403 is configured to send the transaction information and the identity verification information to the remotely located payment system to complete the payment process. The obtaining module 401, the receiving module 402, and the supporting module 403 are sequentially connected. Based on the same inventive concept, the embodiment of the present invention further provides a remote payment system. The schematic diagram of the structure is as shown in FIG. 5, and includes a user terminal 501 and a merchant terminal 502: The merchant terminal 502 is configured to provide transaction information; the user terminal 501 is connected to the merchant terminal 502, configured to acquire transaction information from the merchant terminal 502, and display the information on the screen of the user terminal 501; receive the identity verification information input by the user; Information and authentication information is sent to the remotely located payment system to complete the payment process. From the above description, it can be seen that the present invention achieves the following technical effects: In the embodiment of the present invention, the user terminal acquires transaction information from the merchant terminal and displays it on the screen of the user terminal; the user terminal receives the identity input by the user. Verification information; the user terminal sends the transaction information and the authentication information to the remotely located payment system to complete the payment process. That is, in the embodiment of the present invention, the transaction information is provided by the merchant terminal, and the user terminal only needs to obtain the transaction information, and does not require the user to manually input the transaction information in the user terminal, thereby improving the acquisition speed of the transaction information; and, the user identity verification information is Input on the user terminal also reduces the risk that the authentication information is easily leaked, and the security is high. Obviously, those skilled in the art should understand that the above modules or steps of the present invention can be implemented by a general-purpose computing device, which can be concentrated on a single computing device or distributed over a network composed of multiple computing devices. Alternatively, they may be implemented by program code executable by the computing device, such that they may be stored in the storage device by the computing device and, in some cases, may be different from the order herein. The steps shown or described are performed, or they are separately fabricated into individual integrated circuit modules, or a plurality of modules or steps are fabricated as a single integrated circuit module. Thus, the invention is not limited to any specific combination of hardware and software. The above is only the preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and changes can be made to the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and scope of the present invention are intended to be included within the scope of the present invention.

Claims

Claim

1. A remote payment method, comprising:

The user terminal acquires transaction information from the merchant terminal, and displays the information on the screen of the user terminal; the user terminal receives the identity verification information input by the user;

The user terminal sends the transaction information and the identity verification information to a remotely located payment system to complete a payment process.

2. The method of claim 1, wherein the user terminal comprises an FC terminal having a near field communication FC function; the merchant terminal comprises a merchant point of sale POS.

The method of claim 2, wherein the acquiring, by the user terminal, the transaction information from the merchant terminal comprises: the NFC terminal flashing the machine at the merchant POS, and acquiring the transaction information by using an NFC data transmission channel, where The transaction information is pre-entered by the merchant into the merchant POS.

The method of claim 2, wherein the FC terminal is flashing on the merchant POS, including: when the FC terminal is flashing on the merchant POS, the FC terminal and the merchant POS The distance is not greater than the effective transmission distance of the FC.

5. The method according to claim 4, wherein the NFC effective transmission distance is 10 cm.

The method according to any one of claims 1-5, wherein, after the completing the payment process, the method further comprises: the user terminal receiving a transaction result returned by the payment system, and displaying the result on the screen.

The method according to any one of claims 1 to 5, wherein the transaction information comprises at least one of the following: a transaction amount, a product name, and a quantity of goods.

The method according to any one of claims 1-5, wherein the identity verification information comprises at least one of the following: a personal verification code PIN, a one-time password of the transaction, a verification code, and an identity card number.

A remote payment device, which is disposed in the user terminal, and includes:

Obtaining a module, configured to obtain transaction information from the merchant terminal, and displayed on a screen of the user terminal;

a receiving module, configured to receive authentication information input by a user; The support module is configured to send the transaction information and the authentication information to a remotely located payment system to complete a payment process. A remote payment system, including a user terminal and a merchant terminal:

The merchant terminal is configured to provide transaction information;

The user terminal is configured to acquire the transaction information from the merchant terminal, and display the information on the screen of the user terminal; receive identity verification information input by the user; and send the transaction information and the identity verification information to The payment system located at the far end completes the payment process.