CN101339684A - Infra-red ray mobile phones payment terminal, payment procedure and system - Google Patents
Infra-red ray mobile phones payment terminal, payment procedure and system Download PDFInfo
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- CN101339684A CN101339684A CNA2008101130736A CN200810113073A CN101339684A CN 101339684 A CN101339684 A CN 101339684A CN A2008101130736 A CNA2008101130736 A CN A2008101130736A CN 200810113073 A CN200810113073 A CN 200810113073A CN 101339684 A CN101339684 A CN 101339684A
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Abstract
The invention discloses an infrared mobile phone payment terminal, a payment method and a payment system which are designed for solving the problems that the payment mode of the existing mobile phone is complicated to be operated and is easy to get wrong. The system comprises a payer mobile phone terminal, a payee mobile phone terminal and a bank network mobile payment server; the payee mobile phone terminal is used for sending a payment request to the payer mobile phone terminal by an infrared signal; the payer mobile phone terminal is used for receiving the payment request and sending a payment instruction to the bank network mobile payment server based on the payment request; the bank network mobile payment server is used for receiving the payment request, processing the related financial information and sending the operation result to the payee mobile phone terminal and the payer mobile phone terminal. The infrared mobile phone payment terminal, the payment method and the payment system of the invention are suitable for the consumption settlement between the consumers and the shops, and also are suitable for the payment transfer between 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 infra-red ray mobile phones payment terminal, method of payment and system.
Background technology
At present, along with applying of 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 the bank network 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 bank network 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 the bank network 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.
Summary of the invention
On the one hand, the invention provides a kind of infra-red ray mobile phones method of payment, 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:
Infra-red ray mobile phones method of payment provided by the invention comprises the steps:
Sent Payment Request to the payer mobile phone terminal by infrared signal by the payer mobile phone terminal;
The payer mobile phone terminal sends payment instruction to bank network mobile payment server;
Bank network 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 infra-red ray mobile phones 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:
Infra-red ray mobile phones payment system provided by the invention comprises: payer mobile phone terminal, by payer mobile phone terminal and bank network mobile payment server;
Described by the payer mobile phone terminal, be used for sending Payment Request by infrared 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 network mobile payment server;
Described bank network 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 infra-red ray 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:
Infra-red ray 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 infrared signal;
The Payment Request receiving element is used for the payer mobile phone terminal and receives Payment Request by infrared signal;
The payment instruction transmitting element is used for the payer mobile phone terminal and sends payment instruction to bank network mobile payment server;
The payment result receiving element is used to receive the payment processes result that bank network mobile payment server sends.
Infra-red ray mobile phones payment terminal provided by the invention, method of payment and system, payer with transmitted payment information by payer by the mobile phone terminal infrared function, and realize transfer of payment by bank network; Utilize infrared 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, infrared function transmits according to accurately and reliably, reduces the risk that mobile-phone payment exists; On the other hand, utilize infrared 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 infra-red ray mobile phones method of payment of the present invention;
Fig. 2 is the structural drawing of infra-red ray mobile phones payment system of the present invention;
Fig. 3 is the block diagram of infra-red ray 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 infra-red ray mobile phones method of payment provided by the invention comprises the steps:
S101 payer mobile phone terminal with set up infrared signal by the payer mobile phone terminal and be connected;
Payer with by payer both sides' mobile phone terminal is connected by infrared 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 infrared 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 network mobile payment server;
Payer sends payment instruction by mobile phone terminal to bank network 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.
The S104 bank network mobile payment server is according to described payment instruction processes related financial information;
The S105 bank network mobile payment server sends the information of finishing of paying to the payer mobile phone terminal with by the payer mobile phone terminal;
Bank network mobile payment server is carried out the related financial information processing, if handle successfully, sends the payment successful information to both sides' mobile phone terminal, if the processing failure sends the payment failure information to both sides' mobile phone terminal.
Infra-red ray mobile phones method of payment provided by the invention, payer with transmitted payment information by payer by the mobile phone terminal infrared function, and realize transfer of payment by bank network; Utilize infrared 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, infrared function transmits according to accurately and reliably, reduces the risk that mobile-phone payment exists; On the other hand, utilize infrared 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 infra-red ray mobile phones method of payment, the present invention also provides a kind of embodiment of infra-red ray mobile phones payment system, comprising: payer mobile phone terminal, by payer mobile phone terminal and bank network mobile payment server;
Described by the payer mobile phone terminal, be used for sending Payment Request by infrared 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 network mobile payment server;
Described bank network 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.
Infra-red ray mobile phones payment system provided by the invention, described payer mobile phone terminal with set up infrared signal by the payer mobile phone terminal and be connected, sent Payment Request to the payer mobile phone terminal by infrared signal 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 network 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 network 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.
Infra-red ray mobile phones payment system provided by the invention, payer with transmitted payment information by payer by the mobile phone terminal infrared function, and realize transfer of payment by bank network; Utilize infrared 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, infrared function transmits according to accurately and reliably, reduces the risk that mobile-phone payment exists; On the other hand, utilize infrared 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 infra-red ray mobile phones payment terminal, and described infra-red ray mobile phones payment terminal comprises:
The Payment Request transmitting element is used for being sent Payment Request by the payer mobile phone terminal by infrared signal;
The Payment Request receiving element is used for the payer mobile phone terminal and receives Payment Request by infrared signal;
The payment instruction transmitting element is used for the payer mobile phone terminal and sends payment instruction to bank network mobile payment server;
The payment result receiving element is used to receive the payment processes result that bank network mobile payment server sends.
Infra-red ray mobile phones payment terminal provided by the invention, described payer mobile phone terminal with set up infrared signal by the payer mobile phone terminal and be connected, sent Payment Request to payer mobile phone terminal Payment Request receiving element by infrared 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 network mobile payment server according to Payment Request, bank network 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.
Infra-red ray mobile phones payment terminal provided by the invention, payer with transmitted payment information by payer by the mobile phone terminal infrared function, and realize transfer of payment by bank network; Utilize infrared 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, infrared function transmits according to accurately and reliably, reduces the risk that mobile-phone payment exists; On the other hand, utilize infrared function to transmit information, the payment both sides do not need to exchange phone number, have protected individual privacy.
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 infra-red ray mobile phones method of payment is characterized in that, comprises the steps:
Sent Payment Request to the payer mobile phone terminal by infrared signal by the payer mobile phone terminal;
The payer mobile phone terminal sends payment instruction to bank network mobile payment server;
Bank network mobile payment server sends the information of finishing of paying to the payer mobile phone terminal with by the payer mobile phone terminal.
2, infra-red ray mobile phones method of payment 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 infrared signal by the payer mobile phone terminal and be connected.
3, infra-red ray mobile phones method of payment according to claim 1 is characterized in that, described step payer mobile phone terminal also comprises the steps: after bank network mobile payment server sends payment instruction
Bank network mobile payment server is according to described payment instruction processes related financial information.
4, infra-red ray mobile phones method of payment 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 infra-red ray mobile phones payment system is characterized in that, comprising: payer mobile phone terminal, by payer mobile phone terminal and bank network mobile payment server;
Described by the payer mobile phone terminal, be used for sending Payment Request by infrared 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 network mobile payment server;
Described bank network 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, infra-red ray mobile phones payment system according to claim 5 is characterized in that, described payer mobile phone terminal with set up infrared signal by the payer mobile phone terminal and be connected.
7, infra-red ray mobile phones 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 infra-red ray 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 infrared signal;
The Payment Request receiving element is used for the payer mobile phone terminal and receives Payment Request by infrared signal;
The payment instruction transmitting element is used for the payer mobile phone terminal and sends payment instruction to bank network mobile payment server;
The payment result receiving element is used to receive the payment processes result that bank network mobile payment server sends.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2008101130736A CN101339684A (en) | 2008-05-27 | 2008-05-27 | Infra-red ray mobile phones payment terminal, payment procedure 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 |
|---|---|---|---|
| CNA2008101130736A CN101339684A (en) | 2008-05-27 | 2008-05-27 | Infra-red ray mobile phones payment terminal, payment procedure and system |
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| Publication Number | Publication Date |
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| CN101339684A true CN101339684A (en) | 2009-01-07 |
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| CNA2008101130736A Pending CN101339684A (en) | 2008-04-24 | 2008-05-27 | Infra-red ray mobile phones payment terminal, payment procedure and system |
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Cited By (5)
| 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 |
| CN101950453A (en) * | 2010-07-19 | 2011-01-19 | 福建联迪商用设备有限公司 | Novel mobile phone payment terminal-based payment method |
| CN101901519B (en) * | 2009-05-26 | 2012-11-07 | 北京易路联动技术有限公司 | Method and system for interacting instant information between mobile terminals |
| CN104599121A (en) * | 2013-10-30 | 2015-05-06 | 腾讯科技（深圳）有限公司 | Information transmission method, device and system |
| CN107590653B (en) * | 2016-07-08 | 2021-03-09 | 中国电信股份有限公司 | Payment method, terminal and system |
-
2008
- 2008-05-27 CN CNA2008101130736A patent/CN101339684A/en active Pending
Cited By (7)
| 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 |
| CN101901519B (en) * | 2009-05-26 | 2012-11-07 | 北京易路联动技术有限公司 | Method and system for interacting instant information between mobile terminals |
| CN101950453A (en) * | 2010-07-19 | 2011-01-19 | 福建联迪商用设备有限公司 | Novel mobile phone payment terminal-based payment method |
| CN104599121A (en) * | 2013-10-30 | 2015-05-06 | 腾讯科技（深圳）有限公司 | Information transmission method, device and system |
| WO2015062268A1 (en) * | 2013-10-30 | 2015-05-07 | Tencent Technology (Shenzhen) Company Limited | Method, apparatus, and system for information transmission |
| CN104599121B (en) * | 2013-10-30 | 2017-04-12 | 腾讯科技（深圳）有限公司 | Information transmission method, device and system |
| CN107590653B (en) * | 2016-07-08 | 2021-03-09 | 中国电信股份有限公司 | Payment method, terminal and system |
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Open date: 20090107 |