CN101459903A - Bluetooth mobile payment terminal, payment method and system - Google Patents
Bluetooth mobile payment terminal, payment method and system Download PDFInfo
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- CN101459903A CN101459903A CNA2008101048731A CN200810104873A CN101459903A CN 101459903 A CN101459903 A CN 101459903A CN A2008101048731 A CNA2008101048731 A CN A2008101048731A CN 200810104873 A CN200810104873 A CN 200810104873A CN 101459903 A CN101459903 A CN 101459903A
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Abstract
The invention discloses a Bluetooth cellular phone payment terminal, a payment method and a system thereof, which is designed for solving the problems of complicate payment and easy errors of an existing cellular phone payment mode. The system comprises a payer cellular phone terminal, a payment receiver cellular phone terminal and a bank mobile payment server, wherein the payment receiver cellular phone terminal is used for sending the payment request for the payer terminal through a Bluetooth, and the payer cellular phone terminal is used to receive the payment request and send the payment instruction for the bank payment server through the payment request, and the bank mobile payment server is used to receive the payment request, to process related financial information, and send the operation result to the payment receiver cellular phone terminal and the payer cellular phone terminal. The invention is applied to the consumption settlement between consumers and trade companies, also is applied to the transfer by payment 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 Bluetooth mobile 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 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.
Summary of the invention
On the one hand, the invention provides a kind of bluetooth cellular phone 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:
Bluetooth cellular phone method of payment provided by the invention comprises the steps:
Sent payment request to the payer mobile phone terminal by bluetooth 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 bluetooth cellular phone 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:
Bluetooth cellular phone 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 the payment request by bluetooth to the payer mobile phone terminal;
Described payer mobile phone terminal is used to receive described payment request, and sends payment instruction according to the 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 Bluetooth mobile 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:
Bluetooth mobile payment terminal provided by the invention comprises:
The payment request transmitting unit is used for being sent the payment request by the payer mobile phone terminal by bluetooth;
Payment request receiving element is used for the payer mobile phone terminal and receives the payment request by bluetooth;
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.
Bluetooth mobile payment terminal provided by the invention, method of payment and system, payer with transmitted payment information by payer by the mobile phone terminal Bluetooth function, and realize transfer of payment by bank network; Utilize Bluetooth 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 Bluetooth function transmits according to accurately and reliably, reduces the risk that mobile-phone payment exists; On the other hand, utilize Bluetooth 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 flow chart of bluetooth cellular phone method of payment of the present invention;
Fig. 2 is the structure chart of bluetooth cellular phone payment system of the present invention;
Fig. 3 is the block diagram of Bluetooth mobile 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 bluetooth cellular phone method of payment provided by the invention comprises the steps:
S101 payer mobile phone terminal with set up bluetooth by the payer mobile phone terminal and be connected;
Payer with by payer both sides' mobile phone terminal is connected by bluetooth discovery.
S102 is sent the payment request by the payer mobile phone terminal to the payer mobile phone terminal;
Used mobile phone to send payment request information by bluetooth 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.
Bluetooth cellular phone method of payment provided by the invention, payer with transmitted payment information by payer by the mobile phone terminal Bluetooth function, and realize transfer of payment by bank network; Utilize Bluetooth 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 Bluetooth function transmits according to accurately and reliably, reduces the risk that mobile-phone payment exists; On the other hand, utilize Bluetooth 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 bluetooth cellular phone method of payment, the present invention also provides a kind of embodiment of bluetooth cellular phone 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 the payment request by bluetooth to the payer mobile phone terminal;
Described payer mobile phone terminal is used to receive described payment request, and sends payment instruction according to the 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.
Bluetooth cellular phone payment system provided by the invention, described payer mobile phone terminal with set up bluetooth by the payer mobile phone terminal and be connected, sent payment request to the payer mobile phone terminal by bluetooth by the payer mobile phone terminal, the 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's 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.
Bluetooth cellular phone payment system provided by the invention, payer with transmitted payment information by payer by the mobile phone terminal Bluetooth function, and realize transfer of payment by bank network; Utilize Bluetooth 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 Bluetooth function transmits according to accurately and reliably, reduces the risk that mobile-phone payment exists; On the other hand, utilize Bluetooth 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 Bluetooth mobile payment terminal, and described Bluetooth mobile payment terminal comprises:
The payment request transmitting unit is used for being sent the payment request by the payer mobile phone terminal by bluetooth;
Payment request receiving element is used for the payer mobile phone terminal and receives the payment request by bluetooth;
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.
Bluetooth mobile payment terminal provided by the invention, described payer mobile phone terminal with set up bluetooth by the payer mobile phone terminal and be connected, sent payment request to payer mobile phone terminal payment request receiving element by bluetooth by payer mobile phone terminal payment request transmitting unit, payer mobile phone terminal payment request receiving element receives described payment request, and send payment instruction to bank's 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.
Bluetooth mobile payment terminal provided by the invention, payer with transmitted payment information by payer by the mobile phone terminal Bluetooth function, and realize transfer of payment by bank network; Utilize Bluetooth 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 Bluetooth function transmits according to accurately and reliably, reduces the risk that mobile-phone payment exists; On the other hand, utilize Bluetooth 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 range that claim was defined.
Claims (8)
1, a kind of bluetooth cellular phone method of payment is characterized in that, comprises the steps:
Sent payment request to the payer mobile phone terminal by bluetooth 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, bluetooth cellular phone 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 the payment request by the payer mobile phone terminal
The payer mobile phone terminal with set up bluetooth by the payer mobile phone terminal and be connected.
3, bluetooth cellular phone method of payment 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, bluetooth cellular phone 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 bluetooth cellular phone 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 the payment request by bluetooth to the payer mobile phone terminal;
Described payer mobile phone terminal is used to receive described payment request, and sends payment instruction according to the 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, bluetooth cellular phone payment system according to claim 5 is characterized in that, described payer mobile phone terminal with set up bluetooth by the payer mobile phone terminal and be connected.
7, bluetooth cellular phone 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 Bluetooth mobile payment terminal is characterized in that, comprising:
The payment request transmitting unit is used for being sent the payment request by the payer mobile phone terminal by bluetooth;
Payment request receiving element is used for the payer mobile phone terminal and receives the payment request by bluetooth;
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 (1)
| Application Number | Priority Date | Filing Date | Title |
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| CNA2008101048731A CN101459903A (en) | 2008-04-24 | 2008-04-24 | Bluetooth mobile payment terminal, payment method and system |
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| Application Number | Priority Date | Filing Date | Title |
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| CNA2008101048731A CN101459903A (en) | 2008-04-24 | 2008-04-24 | Bluetooth mobile payment terminal, payment method and system |
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| CN101459903A true CN101459903A (en) | 2009-06-17 |
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| CNA2008101048731A Pending CN101459903A (en) | 2008-04-24 | 2008-04-24 | Bluetooth mobile payment terminal, payment method and system |
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Cited By (13)
| 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 |
| CN102163312A (en) * | 2011-02-17 | 2011-08-24 | 西安闻泰电子科技有限公司 | Method for trading secondhand goods based on Bluetooth function |
| CN102651108A (en) * | 2012-04-08 | 2012-08-29 | 徐彬 | Non-connection-based Bluetooth mobile payment system |
| CN102881092A (en) * | 2012-09-13 | 2013-01-16 | 守望者科技（北京）有限公司 | Bluetooth mobile communication terminal and payment method |
| CN103824185A (en) * | 2014-03-05 | 2014-05-28 | 平安付智能技术有限公司 | mobile intelligent terminal payment method and system based on low-power-consumption Bluetooth |
| WO2014176749A1 (en) * | 2013-04-28 | 2014-11-06 | Tencent Technology (Shenzhen) Company Limited | Method, device, server, and system for making payment with a messaging application on a mobile device |
| CN104599121A (en) * | 2013-10-30 | 2015-05-06 | 腾讯科技（深圳）有限公司 | Information transmission method, device and system |
| CN104992477A (en) * | 2015-07-08 | 2015-10-21 | 北京车行神州科技有限公司 | Method for realizing parking charge management based on mobile phone terminal |
| CN105096112A (en) * | 2014-04-29 | 2015-11-25 | 上海奇虎科技有限公司 | Short-distance payment method and system and server |
| CN105184556A (en) * | 2015-08-12 | 2015-12-23 | 珠海保税区星汉智能卡股份有限公司 | Bluetooth-based mobile payment system and payment method |
| 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 |
| CN105844466A (en) * | 2016-04-20 | 2016-08-10 | 福建联迪商用设备有限公司 | Payment method and system based on bluetooth communication |
| CN105976176A (en) * | 2016-04-26 | 2016-09-28 | 广东小天才科技有限公司 | Security payment method and security payment system |
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2008
- 2008-04-24 CN CNA2008101048731A patent/CN101459903A/en active Pending
Cited By (19)
| 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 |
| CN102163312A (en) * | 2011-02-17 | 2011-08-24 | 西安闻泰电子科技有限公司 | Method for trading secondhand goods based on Bluetooth function |
| CN102651108A (en) * | 2012-04-08 | 2012-08-29 | 徐彬 | Non-connection-based Bluetooth mobile payment system |
| CN102881092A (en) * | 2012-09-13 | 2013-01-16 | 守望者科技（北京）有限公司 | Bluetooth mobile communication terminal and payment method |
| WO2014176749A1 (en) * | 2013-04-28 | 2014-11-06 | Tencent Technology (Shenzhen) Company Limited | Method, device, server, and system for making payment with a messaging application on a mobile device |
| CN104599121A (en) * | 2013-10-30 | 2015-05-06 | 腾讯科技（深圳）有限公司 | Information transmission method, device and system |
| CN104599121B (en) * | 2013-10-30 | 2017-04-12 | 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 |
| CN103824185A (en) * | 2014-03-05 | 2014-05-28 | 平安付智能技术有限公司 | mobile intelligent terminal payment method and system based on low-power-consumption Bluetooth |
| CN103824185B (en) * | 2014-03-05 | 2017-08-08 | 平安壹钱包电子商务有限公司 | A kind of mobile intelligent terminal method of payment and system based on low-power consumption bluetooth |
| CN105096112A (en) * | 2014-04-29 | 2015-11-25 | 上海奇虎科技有限公司 | Short-distance payment method and system and server |
| 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 |
| 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 |
| CN104992477A (en) * | 2015-07-08 | 2015-10-21 | 北京车行神州科技有限公司 | Method for realizing parking charge management based on mobile phone terminal |
| CN104992477B (en) * | 2015-07-08 | 2018-05-18 | 北京车行神州科技有限公司 | A kind of method that the management of parking charge is realized based on mobile phone terminal |
| CN105184556A (en) * | 2015-08-12 | 2015-12-23 | 珠海保税区星汉智能卡股份有限公司 | Bluetooth-based mobile payment system and payment method |
| CN105844466A (en) * | 2016-04-20 | 2016-08-10 | 福建联迪商用设备有限公司 | Payment method and system based on bluetooth communication |
| WO2017181559A1 (en) * | 2016-04-20 | 2017-10-26 | 福建联迪商用设备有限公司 | Bluetooth communication-based payment method and system |
| CN105976176A (en) * | 2016-04-26 | 2016-09-28 | 广东小天才科技有限公司 | Security payment method and security payment system |
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Open date: 20090617 |