CN101308559A - WIFI mobile phone payment terminal, method and system - Google Patents
WIFI mobile phone payment terminal, method and system Download PDFInfo
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- CN101308559A CN101308559A CNA2008101048801A CN200810104880A CN101308559A CN 101308559 A CN101308559 A CN 101308559A CN A2008101048801 A CNA2008101048801 A CN A2008101048801A CN 200810104880 A CN200810104880 A CN 200810104880A CN 101308559 A CN101308559 A CN 101308559A
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Abstract
The invention discloses a WIFI handset payment terminal, a payment method and a system, designed to solve the problems that the existing handset payment mode is complicated in operation and can easily make a mistake. The system comprises a payer handset terminal, a payee handset terminal and a banking mobile payment server; the payee handset terminal is used to send payment request to the payer handset terminal through WIFI signals; the payer handset terminal is used to receive the payment request and send payment instruction to the banking mobile payment server according to the payment request; the banking mobile payment server receives the payment request and deals with the related account information, and then sends the operating results to the payee handset terminal and the payer handset terminal. The invention is applied to the settlement between consumers and merchants and is also suitable for payment transfer between two individuals.
Description
Technical field
The present invention relates to a kind of wireless electron payment devices, method of payment and system, relate in particular to a kind of WIFI mobile phones payment terminal, method of payment and system.
Background technology
At present, popularization along with the bank network service system, bank credit is stuck in the consumption clearing and has obtained application more and more widely, the consumer only need use the bank card clearing of just doing shopping in the market that banking terminal is installed, for the customer consumption clearing provide great convenience, the consumer goes on a journey to do shopping and needn't carry buckets of cash, has reduced the stolen risk of cash.Yet on the one hand existing banking terminal consumption clearing exist potential safety hazard, and the consumer the stolen phenomenon of bank card account number and password often occurs in the consumption settlement process; On the other hand,, and can not spread to all public consumption places because banking terminal can only spread to public consumption places such as bigger market, restaurant, therefore when the consumer after consume in these public consumption places, settle accounts still cumbersome.
Along with the fast development of electronics and mechanics of communication, utilizing mobile phone to pay by mails becomes possibility.At present; developed multiple mobile-phone payment pattern; but all because of existing design defect to fail to be applied; its subject matter is: 1, fail the individual privacy that adequately protects; the payment mode that for example has needs both sides to exchange phone number; and telephone number generally belongs to individual privacy, and most of people are reluctant arbitrarily to disclose oneself phone number.2, when both sides' exchange of personal information, need import tediously long account information etc., make when input information, not only to occur mistake easily, and exchange hour be long, efficient is low.
WIFI technology (Wireless Fidelity, Wireless Fidelity), the same with Bluetooth technology, belong to short distance wireless technical, the standard of its use has two, is respectively IEEE802.11a and IEEE802.11b; The WIFI great advantage is a long transmission distance, and covering radius is about 100 meters, and Bluetooth technology then is 15 meters, and transmission speed is also very fast, can reach 11mbps, more meets the demand of individual and social informatization.The WIFI technology is incorporated in the mobile phone, promptly becomes the WIFI mobile phone, it can carry out short-distance wireless communication by WIFI, realizes exchanges data and service.
Summary of the invention
On the one hand, the invention provides a kind of WIFI hand set paying method, this method can realize between consumer and the businessman safely, easily with mobile phone--handset mode is consumed clearing.
For achieving the above object, the present invention adopts following technical scheme:
WIFI hand set paying method provided by the invention comprises the steps:
Sent Payment Request to the payer mobile phone terminal by the WIFI signal by the payer mobile phone terminal;
The payer mobile phone terminal sends payment instruction to bank's mobile payment server;
Bank's mobile payment server sends the information of finishing of paying to the payer mobile phone terminal with by the payer mobile phone terminal.
On the other hand, the present invention also provides a kind of WIFI hand call payment system, and this system can be safely, the convenient realization between consumer and the businessman with mobile phone--handset mode is consumed clearing.
For finishing above-mentioned purpose, the present invention adopts following technical scheme:
WIFI hand call payment system provided by the invention comprises: payer mobile phone terminal, by payer mobile phone terminal and bank's mobile payment server;
Described by the payer mobile phone terminal, be used for sending Payment Request by the WIFI signal to the payer mobile phone terminal;
Described payer mobile phone terminal is used to receive described Payment Request, and sends payment instruction according to Payment Request to bank's mobile payment server;
Described bank mobile payment server receives described Payment Request, processes related financial information, and operating result is sent to described by payer mobile phone terminal and payer mobile phone terminal.
Again on the one hand, the present invention also provides a kind of WIFI mobile phones payment terminal, and this mobile phones payment terminal can realize between consumer and the businessman safely, easily with mobile phone--and handset mode is consumed clearing.
For achieving the above object, the present invention adopts following technical scheme:
WIFI mobile phones payment terminal provided by the invention comprises:
The Payment Request transmitting element is used for being sent Payment Request by the payer mobile phone terminal by the WIFI signal;
The Payment Request receiving element is used for the payer mobile phone terminal and receives Payment Request by the WIFI signal;
The payment instruction transmitting element is used for the payer mobile phone terminal and sends payment instruction to bank's mobile payment server;
The payment result receiving element is used to receive the payment processes result that bank's mobile payment server sends.
WIFI mobile phones payment terminal provided by the invention, method of payment and system, payer with transmitted payment information by payer by mobile phone terminal WIFI function, and realize transfer of payment by bank network; Utilize the WIFI function to transmit the payment information data, compared with prior art, on the one hand, account information can be pre-stored in the mobile phone terminal, reduced input information, reduced error probability, WIFI function number transmits according to accurately and reliably, reduces the risk that mobile-phone payment exists; On the other hand, utilize the WIFI function to transmit information, the payment both sides do not need to exchange phone number, have protected individual privacy.
The present invention is applicable between consumer and the businessman and utilizes mobile phone-mobile phone to consume clearing, solved existing most of businessman the POS machine has not been set, the consumer can only carry cash and consume clearing and the security of cash problem brought, makes the consumer consume place safety, to consume clearing quickly at all.
Description of drawings
Fig. 1 is the process flow diagram of WIFI hand set paying method of the present invention;
Fig. 2 is the structural drawing of WIFI hand call payment system of the present invention;
Fig. 3 is the block diagram of WIFI mobile phones payment terminal of the present invention.
Embodiment
In order to make those skilled in the art person understand technical scheme of the present invention better, and above-mentioned purpose of the present invention, feature and advantage can be become apparent more, the present invention is further detailed explanation below in conjunction with drawings and Examples.
As shown in Figure 1, the embodiment of a kind of WIFI hand set paying method provided by the invention comprises the steps:
S101 payer mobile phone terminal with set up WIFI by the payer mobile phone terminal and be connected;
Payer with by payer both sides' mobile phone terminal is connected by the WIFI signal.
S102 is sent Payment Request by the payer mobile phone terminal to the payer mobile phone terminal;
Used mobile phone to send payment request information by the WIFI signal to the payer mobile phone by payer, payment request information comprises payment, by information such as the number of the account of payer, transaction codes.
S103 payer mobile phone terminal sends payment instruction by public network to bank's mobile payment server;
Payer sends payment instruction by mobile phone terminal to bank's mobile payment server, and payment instruction comprises information such as payment, the number of the account of paying both sides, payer account number cipher, transaction code.
S104 bank mobile payment server is according to described payment instruction processes related financial information;
S105 bank mobile payment server sends the information of finishing of paying to the payer mobile phone terminal with by the payer mobile phone terminal;
Bank's mobile payment server carries out related financial information to be handled, if handle successfully, sends the payment successful information to both sides' mobile phone terminal, if handle failure, sends the payment failure information to both sides' mobile phone terminal.
WIFI hand set paying method provided by the invention, payer with transmitted payment information by payer by mobile phone terminal WIFI function, and realize transfer of payment by bank network; Utilize the WIFI function to transmit the payment information data, compared with prior art, on the one hand, account information can be pre-stored in the mobile phone terminal, has reduced input information, has reduced error probability, and the WIFI function transmits according to accurately and reliably, reduces the risk that mobile-phone payment exists; On the other hand, utilize the WIFI function to transmit information, the payment both sides do not need to exchange phone number, have protected individual privacy.
As shown in Figure 2, corresponding with above-mentioned WIFI hand set paying method, the present invention also provides a kind of embodiment of WIFI hand call payment system, comprising: payer mobile phone terminal, by payer mobile phone terminal and bank's mobile payment server;
Described by the payer mobile phone terminal, be used for sending Payment Request by the WIFI signal to the payer mobile phone terminal;
Described payer mobile phone terminal is used to receive described Payment Request, and sends payment instruction according to Payment Request to bank's mobile payment server;
Described bank mobile payment server receives described payment instruction, processes related financial information, and result is sent to described by payer mobile phone terminal and payer mobile phone terminal.
WIFI hand call payment system provided by the invention, described payer mobile phone terminal with set up WIFI by the payer mobile phone terminal and be connected, sent Payment Request to the payer mobile phone terminal by WIFI by the payer mobile phone terminal, Payment Request comprises payment, by the number of the account of payer, transaction code; The payer mobile phone terminal receives described Payment Request, and sending payment instruction by the public network wireless communication signal to bank mobile payment server according to Payment Request, payment instruction comprises information such as payment, payment both sides' number of the account, payer account number cipher, transaction code; Bank's mobile payment server receives described payment instruction, processes related financial information, and operating result is sent to described by payer mobile phone terminal and payer mobile phone terminal.
WIFI hand call payment system provided by the invention, payer with transmitted payment information by payer by mobile phone terminal WIFI function, and realize transfer of payment by bank network; Utilize the WIFI function to transmit the payment information data, compared with prior art, on the one hand, account information can be pre-stored in the mobile phone terminal, reduced input information, reduced error probability, WIFI function number transmits according to accurately and reliably, reduces the risk that mobile-phone payment exists; On the other hand, utilize the WIFI function to transmit information, the payment both sides do not need to exchange phone number, have protected individual privacy.
As shown in Figure 3, the present invention also provides a kind of embodiment of WIFI mobile phones payment terminal, and described WIFI mobile phones payment terminal comprises:
The Payment Request transmitting element is used for being sent Payment Request by the payer mobile phone terminal by the WIFI signal;
The Payment Request receiving element is used for the payer mobile phone terminal and receives Payment Request by the WIFI signal;
The payment instruction transmitting element is used for the payer mobile phone terminal and sends payment instruction to bank's mobile payment server;
The payment result receiving element is used to receive the payment processes result that bank's mobile payment server sends.
WIFI mobile phones payment terminal provided by the invention, described payer mobile phone terminal with set up WIFI by the payer mobile phone terminal and be connected, sent Payment Request to payer mobile phone terminal Payment Request receiving element by the WIFI signal by payer mobile phone terminal Payment Request transmitting element, payer mobile phone terminal Payment Request receiving element receives described Payment Request, and send payment instruction to bank mobile payment server according to Payment Request, bank's mobile payment server receives described payment instruction, processes related financial information, and operating result is sent to described by the payment result receiving element of payer mobile phone terminal and payer mobile phone terminal.
The above; only be the specific embodiment of the present invention, but protection scope of the present invention is not limited thereto, anyly is familiar with those skilled in the art in the technical scope that the present invention discloses; the variation that can expect easily or replacement all should be encompassed within protection scope of the present invention.Therefore, protection scope of the present invention should be as the criterion with the protection domain that claim was defined.
Claims (8)
1, a kind of WIFI hand set paying method is characterized in that, comprises the steps:
Sent Payment Request to the payer mobile phone terminal by the WIFI signal by the payer mobile phone terminal;
The payer mobile phone terminal sends payment instruction to bank's mobile payment server;
Bank's mobile payment server sends the information of finishing of paying to the payer mobile phone terminal with by the payer mobile phone terminal.
2, WIFI hand set paying method according to claim 1 is characterized in that, described step, was also comprised the steps: before the payer mobile phone terminal sends Payment Request by the payer mobile phone terminal
The payer mobile phone terminal with set up WIFI by the payer mobile phone terminal and be connected.
3, WIFI hand set paying method according to claim 1 is characterized in that, described step payer mobile phone terminal also comprises the steps: after bank's mobile payment server sends payment instruction
Bank's mobile payment server is according to described payment instruction processes related financial information.
4, WIFI hand set paying method according to claim 1 is characterized in that, described Payment Request comprises payment, by the number of the account of payer, transaction code; Described payment instruction comprises payment, payment both sides' number of the account, payer account number cipher, transaction code.
5, a kind of WIFI hand call payment system is characterized in that, comprising: payer mobile phone terminal, by payer mobile phone terminal and bank's mobile payment server;
Described by the payer mobile phone terminal, be used for sending Payment Request by the WIFI signal to the payer mobile phone terminal;
Described payer mobile phone terminal is used to receive described Payment Request, and sends payment instruction according to Payment Request to bank's mobile payment server;
Described bank mobile payment server receives described payment instruction, processes related financial information, and operating result is sent to described by payer mobile phone terminal and payer mobile phone terminal.
6, WIFI hand call payment system according to claim 5 is characterized in that, described payer mobile phone terminal with set up WIFI by the payer mobile phone terminal and be connected.
7, WIFI hand call payment system according to claim 5 is characterized in that, described Payment Request comprises payment, by the number of the account of payer, transaction code; Described payment instruction comprises payment, payment both sides' number of the account, payer account number cipher, transaction code.
8, a kind of WIFI mobile phones payment terminal is characterized in that, comprising:
The Payment Request transmitting element is used for being sent Payment Request by the payer mobile phone terminal by the WIFI signal;
The Payment Request receiving element is used for the payer mobile phone terminal and receives Payment Request by the WIFI signal;
The payment instruction transmitting element is used for the payer mobile phone terminal and sends payment instruction to bank's mobile payment server;
The payment result receiving element is used to receive the payment processes result that bank's mobile payment server sends.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2008101048801A CN101308559A (en) | 2008-04-24 | 2008-04-24 | WIFI mobile phone payment terminal, method and system |
| PCT/CN2009/071449 WO2009129749A1 (en) | 2008-04-24 | 2009-04-24 | Mobile phone payment method, system and terminal |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2008101048801A CN101308559A (en) | 2008-04-24 | 2008-04-24 | WIFI mobile phone payment terminal, method and system |
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| Publication Number | Publication Date |
|---|---|
| CN101308559A true CN101308559A (en) | 2008-11-19 |
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| Application Number | Title | Priority Date | Filing Date |
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| CNA2008101048801A Pending CN101308559A (en) | 2008-04-24 | 2008-04-24 | WIFI mobile phone payment terminal, method and system |
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Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2009129749A1 (en) * | 2008-04-24 | 2009-10-29 | 北京爱奥时代信息科技有限公司 | Mobile phone payment method, system and terminal |
| CN104063785A (en) * | 2013-03-18 | 2014-09-24 | 王文波 | Technical scheme of performing mobile phone settlement, mobile phone key and mobile phone remote control functions by password remote control identification system |
| CN104424558A (en) * | 2013-09-04 | 2015-03-18 | 宋云波 | Broadband wireless network paying and advertising method |
| WO2015062268A1 (en) * | 2013-10-30 | 2015-05-07 | Tencent Technology (Shenzhen) Company Limited | Method, apparatus, and system for information transmission |
| CN105282735A (en) * | 2015-09-01 | 2016-01-27 | 上海斐讯数据通信技术有限公司 | Privacy protection method and protection system used based on mobile terminal networking |
| CN105323223A (en) * | 2014-07-18 | 2016-02-10 | 中国电信股份有限公司 | Point-to-point transaction data transmitting processing method and system of mobile terminals |
| CN105321070A (en) * | 2014-07-18 | 2016-02-10 | 中国电信股份有限公司 | Data processing method and system based on touching manner of mobile terminals |
| CN105741109A (en) * | 2016-03-07 | 2016-07-06 | 郁晓东 | Charging and payment data transmission/matching system and method |
| CN106980974A (en) * | 2016-01-18 | 2017-07-25 | 西安涅槃软件科技有限公司 | A kind of method and system of mobile payment |
-
2008
- 2008-04-24 CN CNA2008101048801A patent/CN101308559A/en active Pending
Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2009129749A1 (en) * | 2008-04-24 | 2009-10-29 | 北京爱奥时代信息科技有限公司 | Mobile phone payment method, system and terminal |
| CN104063785A (en) * | 2013-03-18 | 2014-09-24 | 王文波 | Technical scheme of performing mobile phone settlement, mobile phone key and mobile phone remote control functions by password remote control identification system |
| CN104424558A (en) * | 2013-09-04 | 2015-03-18 | 宋云波 | Broadband wireless network paying and advertising method |
| WO2015062268A1 (en) * | 2013-10-30 | 2015-05-07 | Tencent Technology (Shenzhen) Company Limited | Method, apparatus, and system for information transmission |
| CN105323223A (en) * | 2014-07-18 | 2016-02-10 | 中国电信股份有限公司 | Point-to-point transaction data transmitting processing method and system of mobile terminals |
| CN105321070A (en) * | 2014-07-18 | 2016-02-10 | 中国电信股份有限公司 | Data processing method and system based on touching manner of mobile terminals |
| CN105323223B (en) * | 2014-07-18 | 2018-09-21 | 中国电信股份有限公司 | The method and system that mobile terminal passes through point-to-point mode transmission process transaction data |
| CN105282735A (en) * | 2015-09-01 | 2016-01-27 | 上海斐讯数据通信技术有限公司 | Privacy protection method and protection system used based on mobile terminal networking |
| CN106980974A (en) * | 2016-01-18 | 2017-07-25 | 西安涅槃软件科技有限公司 | A kind of method and system of mobile payment |
| CN105741109A (en) * | 2016-03-07 | 2016-07-06 | 郁晓东 | Charging and payment data transmission/matching system and method |
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Open date: 20081119 |