WO2014106366A1

WO2014106366A1 - Nfc tag-based mobile phone payment terminal, payment method and payment system

Info

Publication number: WO2014106366A1
Application number: PCT/CN2013/075142
Authority: WO
Inventors: 颜志超
Original assignee: 深圳市华营数字商业有限公司
Priority date: 2013-01-04
Filing date: 2013-05-03
Publication date: 2014-07-10
Also published as: CN103914770A

Abstract

Disclosed are an NFC tag-based mobile phone payment terminal, a payment method and a payment system. The method comprises: a consumer swiping a merchant NFC tag through the mobile phone payment terminal to obtain a transaction amount and merchant information, and inputting the transaction amount; the merchant NFC tag having merchant identity information; the mobile phone payment terminal sending transaction request information to an operator transaction system; the transaction system processing the transaction according to the request information; and after processing the transaction request, the transaction system determining the merchant according to the merchant information and then sending a payment information notification to a merchant cashier system to enable the merchant to learn the payment of the consumer. The method is convenient and fast, improves the service capability of the merchant and the experience of the consumer in shopping, and saves the cost.

Description

Mobile phone payment terminal based on NFC tag, payment method and system

The present invention relates to a wireless electronic payment method, and more particularly to an NFC tag based mobile payment method and system. Background technique

At present, with the promotion of the banking network service system, bank credit cards have been more and more widely used in consumer settlement. Consumers only need to use bank cards to make purchase settlements in shopping malls with bank terminals. Consumer settlement provides great convenience. Consumers do not have to carry large amounts of cash when shopping, reducing the risk of cash theft. However, in the existing mobile payment method, the merchant must rely on the POS to complete the user's credit card consumption, and the UnionPay or the bank determines the merchant according to the POS and provides clear settlement services for the merchant. However, on the one hand, there are security risks in the existing POS consumer settlement. In the settlement process, consumers often have bank card accounts and passwords stolen. In addition, the cost of POS is high. On the other hand, bank terminals can only be popularized. To larger shopping malls, restaurants and other public consumption places, but not to all public consumption occasions, so when consumers consume in these public places, settlement is still more troublesome. Summary of the invention

The object of the present invention is to effectively overcome the deficiencies of the above technologies, and provide an NFC tag-based mobile payment terminal, payment method and system with simple payment and low cost.

The technical solution of the present invention is implemented as follows: An NFC tag-based mobile payment method, which includes the following steps:

51. The consumer obtains the transaction amount through the mobile payment terminal to the merchant NFC tag, and the consumer confirms the transaction amount; the merchant NFC tag has the merchant identity information;

52. The mobile payment terminal sends the transaction request information to the transaction system;

53. The transaction system performs transaction processing according to the requested information;

54. After processing the transaction request, the transaction system, after determining the merchant according to the merchant information, sends a payment information notification to the merchant cash register system, so that the merchant knows that the consumer has paid the fee.

After the step S1, the method further includes the following steps:

After S1K determines the transaction amount, the mobile payment terminal requests the consumer to swipe the merchant NFC tag to confirm the transaction; S12, the mobile payment terminal swipes the merchant NFC tag, and the transaction confirmation is completed.

After the step S4, the method further includes the following steps:

The S4K trading system feeds back the payment completion result to the mobile payment terminal.

The merchant information in the merchant NFC tag includes a merchant name, a merchant ID, a merchant authentication logo, a merchant transaction key, and a certificate. In another aspect, the present invention also provides a mobile payment terminal, which includes:

a merchant information obtaining unit 201, configured to acquire merchant information and transaction information by using a merchant NFC tag;

An information sending unit, configured to send transaction request information by the transaction system;

An information receiving unit, configured to receive a payment completion result fed back by the operator transaction system.

In still another aspect, the present invention further provides an NFC tag based mobile payment system, which includes:

a merchant NFC tag, the merchant NFC tag having a business name, a merchant ID, a merchant certification logo, a merchant transaction key, and a certificate;

a mobile payment terminal for transmitting transaction request information to the transaction system;

A transaction system is configured to receive the transaction request information, perform transaction processing, and send the transaction processing result to the merchant cash register system and the mobile payment terminal.

A merchant cash register system for receiving the transaction processing result.

The transaction request information includes a payment amount, a transaction code, a payment party account number, and a payment party account password.

The invention has the beneficial effects that: the invention sets the NFC tag with the merchant information at the merchant business point, and then uses the mobile payment terminal to collect the merchant information and the transaction amount on the NFC tag, and sends the transaction request information to the transaction system through the operator. The transaction system completes the transaction, and finally sends a payment information notification to the merchant cash register system, so that the merchant knows that the consumer has paid the fee, and at the same time, feeds the payment result to the mobile payment terminal, and determines that the payment is completed. On the one hand, the payment method is convenient. Fast, improve the merchant's service ability and improve the consumer's shopping experience; on the other hand, it does not require POS investment, which greatly reduces the cost. At the same time, merchants can place NFC tags on the wall, at the desk, and at the checkout counter. It is used for consumer self-consumption settlement, saving money and convenience. In addition, in the process of trading data, the use of digital certificates to ensure the integrity, confidentiality and traceability of the entire transaction, in line with the implementation of the "Electronic Signature Law of the People's Republic of China" from April 1, 2005, to achieve law According to, it is well documented. DRAWINGS

1 is a flowchart of a mobile payment method based on an NFC tag according to the present invention;

2 is a block diagram of a mobile payment terminal in the present invention;

3 is a structural diagram of a mobile payment system based on an NFC tag in the present invention;

In the figure: merchant NFC tag 10; mobile payment terminal 20; merchant information acquisition unit 201; information transmission unit 202; information reception unit 203; transaction system 30; merchant cash register system 40.

detailed description

The invention will now be further described with reference to the drawings and embodiments. Referring to FIG. 1 , the present invention discloses an NFC tag-based mobile payment method, in which a user can use an NFC-enabled mobile phone to quickly pay for a mobile phone payment payment on a NFC tag placed by a merchant, which includes the following steps:

51. The consumer pays the terminal through the mobile phone 20 to brush the merchant NFC tag 10 to obtain the transaction amount, the consumer confirms the transaction amount; the merchant NFC tag 10 has the merchant identity information;

52. The mobile payment terminal 20 sends the transaction request information to the operator transaction system;

After S12K determines the transaction amount, the mobile payment terminal 20 requests the consumer to swipe the merchant NFC tag 10 to confirm the transaction;

S122. The mobile payment terminal 20 swipes the merchant NFC tag 10, and the transaction confirmation is completed.

S3. The transaction system performs transaction processing according to the request information;

S4. After processing the transaction request, the transaction system, after determining the merchant according to the merchant information, sends a payment information notification to the merchant cash register system 40, so that the merchant knows that the consumer has paid the fee.

S41. The transaction system feeds back the payment completion result to the mobile payment terminal 20.

The merchant information in the merchant NFC tag 10 includes a merchant name, a merchant ID, a merchant certification logo, a merchant transaction key, and a certificate.

The method uses the mobile phone NFC function to identify the merchant information in the merchant NFC tag 10, and then sends the transaction request information such as the merchant information and the transaction amount to the transaction system 30 through the mobile payment terminal 20, and completes the transaction through the transaction system 30, which is for the merchant. As far as consumers are concerned, its operation is simple and fast, bringing consumers different consumer payment experiences.

Referring to FIG. 2, the present invention further provides a mobile payment terminal 20, which includes:

a merchant information obtaining unit 201, configured to acquire merchant information and transaction information by brushing the merchant NFC tag 10; an information sending unit 202, configured to send the transaction request information by the transaction system 30;

An information receiving unit 203 is configured to receive a payment completion result fed back by the operator transaction system.

The mobile payment terminal 20 uses the mobile phone NFC function to realize data transmission and transmission, and saves a large amount of cost compared with the traditional POS machine, and is convenient to carry and use.

Referring to FIG. 3, the present invention further provides an NFC tag-based mobile payment system, which includes: a merchant NFC tag 10, wherein the merchant NFC tag 10 refers to a key to writing a NFC tag to a merchant using security technology. The information, including the merchant name, the merchant ID, the merchant certification logo, the merchant transaction key and the certificate, is a merchant NFC tag 10 with merchant identity information, which can be placed at the merchant cashier, the merchant's guest can access the table, the wall, etc. , so that consumers can pay merchants NFC tag 10 at any time.

A mobile payment terminal 20 is configured to send transaction request information to the transaction system 30, that is, to transmit transaction request information through the NFC function of the mobile phone, and transfer the funds through the network of the transaction system 30 in real time.

a transaction system 30, configured to receive the transaction request information, perform transaction processing, and send the transaction processing result To the merchant cash register system 40 and the mobile payment terminal 20; the operator establishes a transaction bridge for the consumer and the merchant, and provides the merchant with the functions of transaction inquiry, clear settlement and the like, and uses the digital certificate to ensure the integrity and confidentiality of the transaction. Traceability.

A merchant cash register system 40 is configured to receive the transaction processing result, and the merchant cash register system 40 refers to the merchant for confirming that the consumer transaction is completed, and the payment has been confirmed.

The system uses the mobile payment terminal 20 to collect the merchant information and transaction amount on the NFC tag, sends the transaction request information to the transaction system 30, completes the transaction through the operator transaction system, and finally sends a payment information notification to the merchant cash register system 40 to enable the merchant to Knowing that the consumer has paid the fee, and at the same time, the payment result is fed back to the mobile payment terminal 20, and the payment is completed. On the one hand, the payment method is convenient and quick, the merchant service capability is improved, and the consumer shopping experience is improved; On the one hand, there is no need to invest in POS, which greatly reduces the cost. At the same time, merchants can place NFC tags on the wall, at the desk, and at the checkout counter for consumer self-consumption settlement, saving money and convenience. In addition, in the process of trading data, the use of digital certificates to ensure the integrity, confidentiality and traceability of the entire transaction, in line with the implementation of the "Electronic Signature Law of the People's Republic of China" from April 1, 2005, to have Law can be based on evidence.

The above description is only the preferred embodiment of the present invention, and the above specific embodiments are not intended to limit the present invention. Various modifications and changes may be made without departing from the spirit and scope of the invention.

Claims

Rights request

An NFC tag-based mobile payment method, characterized in that it comprises the following steps:

The NFC tag-based mobile payment method according to claim 1, wherein after the step S1, the method further includes the following steps:

After S12K determines the transaction amount, the mobile payment terminal requests the consumer to swipe the merchant NFC tag to confirm the transaction; S122, the mobile payment terminal swipes the merchant NFC tag, and the transaction confirmation is completed.

The NFC tag-based mobile payment method according to claim 1, wherein after the step S4, the method further includes the following steps:

The NFC tag-based mobile payment method according to claim 1, wherein: the merchant information in the merchant NFC tag includes a merchant name, a merchant ID, a merchant authentication identifier, a merchant transaction key, and a certificate.

5. A mobile payment terminal, characterized in that it comprises:

a merchant information obtaining unit, configured to obtain merchant information and transaction information by using a merchant NFC tag;

6. An NFC tag based mobile payment system, characterized in that it comprises:

a transaction system, configured to receive the transaction request information, perform transaction processing, and send the transaction processing result to the merchant cash register system and the mobile payment terminal;

7. The NFC tag based mobile payment system according to claim 5, wherein: the transaction request information comprises a payment amount, a transaction code, a payment party account number, and a payment party account password.