CN101882344A - Method for realizing small payment - Google Patents
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- CN101882344A CN101882344A CN2010102170259A CN201010217025A CN101882344A CN 101882344 A CN101882344 A CN 101882344A CN 2010102170259 A CN2010102170259 A CN 2010102170259A CN 201010217025 A CN201010217025 A CN 201010217025A CN 101882344 A CN101882344 A CN 101882344A
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Abstract
The invention provides a method for realizing small payment, which comprises that: when a user performs small payment, a point-of-sale (POS) machine reads an anti-counterfeiting portable label shown by the user, acquires a number carried therein and performs validity authentication on the anti-counterfeiting portable label according to the acquired number; and after passing the authentication, the POS machine acquires a limit pavement bill corresponding to the anti-counterfeiting portable label and selects a proper limit pavement bill according to the current to-be-paid amount to finish payment. The method can facilitate the use of the user and promote the security of payment.
Description
Technical field
The present invention relates to the E-Payment field, particularly a kind of method that realizes small amount payment.
Background technology
At present, small amount payment is the problem of puzzlement banking expansion always.The user is when carrying out small amount payment, use bank card (promptly swiping the card), make in cash, but all can there be certain problem in this dual mode in actual applications, such as: for preceding a kind of mode, in a single day bank card is lost, reporting the loss so and make up all can be pretty troublesome, and, when using bank card to carry out small amount payment, generally all need to input password, and this can increase the risk of password leakage, thereby influences security of payment, in addition, the user need remember complex password, and this has also brought inconvenience to the user; For a kind of mode in back, consider situations such as losing of may occurring, also very inconvenient concerning the user.
Summary of the invention
In view of this, fundamental purpose of the present invention is to provide a kind of method that realizes small amount payment, can be user-friendly to, and can promote security of payment.
For achieving the above object, technical scheme of the present invention is achieved in that
A kind of method that realizes small amount payment comprises:
When the user carried out small amount payment, point-of-sale terminal POS is machine-readable to take the false proof portable mark that the family shows, and obtains the numbering of wherein carrying, and according to the numbering that gets access to described false proof portable mark was carried out the legitimacy authentication;
After authentication was passed through, described POS machine obtained the limit paying bill of described false proof portable mark correspondence, and chose suitable limit paying bill according to the amount of money of this needs payment, finished payment.
Preferably, described numbering utilizes user's digital certificate to sign.Described digital certificate is the digital certificate of Net silver.
Preferably, the described false proof portable entity that prints that is labeled as, or for downloading to the picture in the user terminal.
Preferably, the numbering that gets access to of described basis is carried out the legitimacy authentication to described false proof portable mark and is comprised:
The numbering that described POS machine will get access to sends to background server, and whether described background server authenticates this numbering legal, and to described POS machine return authentication result.
Preferably, the described POS machine limit paying bill that obtains described false proof portable mark correspondence comprises:
The numbering that described POS machine will get access to sends to background server, and the corresponding relation between numbering that described background server is preserved in advance according to self and the limit paying bill finds the limit paying bill of the numbering correspondence that receives, and returns to described POS machine.
Preferably, the described amount of money according to the payment of this needs is chosen suitable limit paying bill and is comprised:
Described POS machine is chosen suitable limit paying bill automatically, and perhaps, described POS machine is shown to the user with the limit paying bill that gets access to, and chooses suitable limit paying bill by the user.
Preferably, described false proof portable two-dimensional bar code or the radio-frequency (RF) identification mark RFID of being labeled as.
As seen, adopt technical scheme of the present invention, the user need not to carry bank card or buckets of cash, and need not to remember complex password, therefore convenient for users, and, can not exist and use the problems such as password leakage that bank card brought, promoted security of payment, in addition, false proof portable mark of the present invention adopts digital certificate to sign, and is difficult to forge, and has further promoted security of payment.
Description of drawings
Fig. 1 realizes the process flow diagram of the method embodiment of small amount payment for the present invention.
Embodiment
At problems of the prior art, a kind of method of brand-new realization small amount payment is proposed among the present invention, can be user-friendly to, and can promote security of payment.
For make technical scheme of the present invention clearer, understand, below with reference to the accompanying drawing embodiment that develops simultaneously, scheme of the present invention is described in further detail.
Fig. 1 realizes the process flow diagram of the method embodiment of small amount payment for the present invention.As shown in Figure 1, may further comprise the steps:
Step 11: when the user carried out small amount payment, point-of-sale terminal (POS, Point of Sale) is machine-readable took the false proof portable mark that the family shows, and obtains the numbering of wherein carrying, and according to the numbering that gets access to false proof portable mark was carried out the legitimacy authentication.
The user can pass through Net silver in advance, utilizes electric signing tools (USB Key) from false proof portable mark of bank's application, such as a two-dimensional bar code, wherein includes the numbering (being used to identify this two-dimensional bar code) of a uniqueness; In addition, consider security, also can utilize the digital certificate of user's Net silver that this numbering is signed.
Specifically: background server distributes after the numbering for the user, sends it to USB Key, and USB Key utilizes the digital certificate of user's Net silver that the numbering that receives is signed, and the data after will signing return to background server; Background server then, is posted the two-dimensional bar code that prints to the user according to the data printing and making two-dimensional bar code behind the signature that receives, and the user can paste two-dimensional bar code on the article that the mobile phone, key case of oneself etc. be convenient for carrying; Perhaps, if conditions permit, the user also can be according to the own printing and making two-dimensional bar code of data behind the signature.In a word, specific implementation is not limit.
In addition, in actual applications, described two-dimensional bar code can be the entity that prints, and also can be picture, is downloaded to from background server by the user on user's the terminals such as mobile phone.
Need to prove that above-mentioned only is that example describes with the two-dimensional bar code, in actual applications, described false proof portable mark also can show as other form, such as radio-frequency (RF) identification mark (RFID), is commonly called as electronic tag.
Afterwards, the user can pass through Net silver, telephone bank or sales counter such as handle at mode, the limit paying bill of preengaging this false proof portable mark correspondence (is kept in the background server, simultaneously, preserve the numbering of false proof portable mark and the corresponding relation between the limit service list in the background server), comprise the amount of money, information such as the term of validity and access times, such as, 2 limit paying bills are set altogether, wherein 1 be before 31 days January in 2011 200 yuan 2 times, another be before 1 day March in 2011 100 yuan 3 times, the total value of limit paying bill can be limited by bank, such as not surpassing 10,000.
When the user carried out small amount payment, POS is machine-readable to take the false proof portable mark that the family shows, and obtain the numbering of wherein carrying, and the numbering that will get access to sends to background server; Whether whether background server authenticates this numbering legal, be own numbering of being distributed promptly, if, think that then the user is legal, otherwise, think that the user is illegal, and correspondingly to POS machine return authentication result.
Step 12: after authentication was passed through, the POS machine obtained the limit paying bill of described false proof portable mark correspondence, and chose suitable limit paying bill according to the amount of money of this needs payment, finished payment.
After authentication was passed through, the POS machine sent to background server with the numbering that gets access in the step 11; Corresponding relation between numbering that background server is preserved in advance according to self and the limit paying bill finds the limit paying bill of the numbering correspondence that receives, and returns to the POS machine.
Afterwards, the POS machine can be chosen suitable limit paying bill automatically, and perhaps, the POS machine can be shown to the user with the limit paying bill that gets access to, and chooses suitable limit paying bill by user oneself.
Such as, the amount of money that the user need pay is 90 yuan, the POS machine gets access to 2 limit paying bills altogether, 1 be before 31 days January in 2011 200 yuan 2 times, another be before 1 day March in 2011 100 yuan 3 times, the POS machine can be chosen one and the immediate limit paying bill of payment automatically so, 100 yuan of limit paying bills of 3 times before i.e. 1 day March in 2011, and finish payment back (how to finish payment and be prior art), with its be revised as before 1 day March in 2011 100 yuan 2 times, and with make an amendment and be notified to background server, perhaps, the POS machine is notified to background server after choosing the limit paying bill, made amendment by background server, specific implementation is not limit.In addition, the POS machine also can be shown to the user with the details of two limit paying bills, is chosen by user oneself which will use open the limit paying bill, and the subsequent treatment mode is identical with processing mode after the POS machine is chosen automatically, repeats no more.
If the amount of money that the user need pay is 150 yuan, so then can choose before 31 days January in 2011 200 yuan of limit paying bills of 2 times, finish payment after, with its be revised as before 31 days January in 2011 200 yuan 1 time.Distinguishingly, if the amount of money that the user need pay is 300 yuan, can choose before 31 days January in 2011 100 yuan of 3 times these two limit paying bills before 200 yuan of 2 times and 1 day March in 2011 so simultaneously, and after finishing payment, respectively it was revised as before 31 days January in 2011 before 200 yuan of 1 time and 1 day March in 2011 100 yuan 2 times, perhaps, also can only choose before 1 day March in 2011 100 yuan of limit paying bills of 3 times, after finishing payment, with its be revised as before 1 day March in 2011 100 yuan 0 time.
In addition, if the amount of money that the user need pay is greater than the payable total value of limit paying bill, need pay 500 yuan such as the user, but 100 yuan of limit paying bills of 1 time before current remaining 1 day March in 2011, the number of times of all the other limit paying bills is 0, the POS machine can be refused this operation so, correspondingly, the user can only cash payment, perhaps, also can allow the user pay 400 yuan of cashes, still pay for other 100 yuan according to scheme of the present invention.Have, if the amount of money is no problem, but each limit paying bill has all surpassed the term of validity, also can refuse this operation again.
Need to prove, the user is when reservation limit paying bill, if the total value of each limit paying bill is 5000 yuan, bank can freeze the corresponding amount of money from the account that the user provides so, the amount of money of follow-up each payment all will be from these 5000 yuan, when each limit paying bill has all been finished using, the total value that user's actual delivery might occur less than 5000 situation (even because payment only is 90 yuan, the number of times that also can be 100 yuan limit paying bill correspondence with the amount of money subtracts 1), the user can pass through Net silver so, telephone bank or sales counter such as handle at mode, and the remaining amount of money is return in request.
So far, promptly finished introduction about the inventive method embodiment.
In a word, adopt technical scheme of the present invention, the user need not to carry bank card or buckets of cash, and need not to remember complex password, therefore convenient for users, and, can not exist and use the problems such as password leakage that bank card brought, promoted security of payment, in addition, false proof portable mark of the present invention adopts digital certificate to sign, and is difficult to forge, and has further promoted security of payment.
The above only is preferred embodiment of the present invention, and is in order to restriction the present invention, within the spirit and principles in the present invention not all, any modification of being made, is equal to replacement, improvement etc., all should be included within the scope of protection of the invention.
Claims (8)
1. a method that realizes small amount payment is characterized in that, this method comprises:
When the user carried out small amount payment, point-of-sale terminal POS is machine-readable to take the false proof portable mark that the family shows, and obtains the numbering of wherein carrying, and according to the numbering that gets access to described false proof portable mark was carried out the legitimacy authentication;
After authentication was passed through, described POS machine obtained the limit paying bill of described false proof portable mark correspondence, and chose suitable limit paying bill according to the amount of money of this needs payment, finished payment.
2. method according to claim 1 is characterized in that, described numbering utilizes user's digital certificate to sign.
3. method according to claim 2 is characterized in that, described digital certificate is the digital certificate of Net silver.
4. method according to claim 1 is characterized in that, the described false proof portable entity that prints that is labeled as, or for downloading to the picture in the user terminal.
5. method according to claim 1 is characterized in that, the numbering that described basis gets access to is carried out the legitimacy authentication to described false proof portable mark and comprised:
The numbering that described POS machine will get access to sends to background server, and whether described background server authenticates this numbering legal, and to described POS machine return authentication result.
6. method according to claim 1 is characterized in that, the limit paying bill that described POS machine obtains described false proof portable mark correspondence comprises:
The numbering that described POS machine will get access to sends to background server, and the corresponding relation between numbering that described background server is preserved in advance according to self and the limit paying bill finds the limit paying bill of the numbering correspondence that receives, and returns to described POS machine.
7. method according to claim 1 is characterized in that, the described amount of money according to this needs payment is chosen suitable limit paying bill and comprised:
Described POS machine is chosen suitable limit paying bill automatically, and perhaps, described POS machine is shown to the user with the limit paying bill that gets access to, and chooses suitable limit paying bill by the user.
8. according to each described method in the claim 1～7, it is characterized in that described false proof portable two-dimensional bar code or the radio-frequency (RF) identification mark RFID of being labeled as.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 201010217025 CN101882344B (en) | 2010-06-23 | 2010-06-23 | Method for realizing small payment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 201010217025 CN101882344B (en) | 2010-06-23 | 2010-06-23 | Method for realizing small payment |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN101882344A true CN101882344A (en) | 2010-11-10 |
| CN101882344B CN101882344B (en) | 2013-04-03 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 201010217025 Active CN101882344B (en) | 2010-06-23 | 2010-06-23 | Method for realizing small payment |
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| Country | Link |
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| CN (1) | CN101882344B (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104426859A (en) * | 2013-08-26 | 2015-03-18 | 深圳市腾讯计算机系统有限公司 | Request authorization method and apparatus, and server |
| CN104766204A (en) * | 2014-01-02 | 2015-07-08 | 广州市沃希信息科技有限公司 | Meal card consumption method and meal card consumption system based on two-dimensional code |
| CN105447698A (en) * | 2015-08-03 | 2016-03-30 | 上海易码信息科技有限公司 | Method for realizing off-line mobile micropayment and macropayment respectively |
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| CN1804888A (en) * | 2005-12-22 | 2006-07-19 | 北京安拓思科技股份有限责任公司 | RFID and mobile communication network based doit electronic payment method |
| CN1845185A (en) * | 2006-02-05 | 2006-10-11 | 杨杰 | Method and system for online verification of anti-counterfeiting |
| CN201266383Y (en) * | 2008-09-01 | 2009-07-01 | 浙江赛福通信设备有限公司 | Groat payment system based on two-dimension bar-code multimedia message |
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2010
- 2010-06-23 CN CN 201010217025 patent/CN101882344B/en active Active
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1804888A (en) * | 2005-12-22 | 2006-07-19 | 北京安拓思科技股份有限责任公司 | RFID and mobile communication network based doit electronic payment method |
| CN1845185A (en) * | 2006-02-05 | 2006-10-11 | 杨杰 | Method and system for online verification of anti-counterfeiting |
| CN201266383Y (en) * | 2008-09-01 | 2009-07-01 | 浙江赛福通信设备有限公司 | Groat payment system based on two-dimension bar-code multimedia message |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104426859A (en) * | 2013-08-26 | 2015-03-18 | 深圳市腾讯计算机系统有限公司 | Request authorization method and apparatus, and server |
| CN104426859B (en) * | 2013-08-26 | 2019-09-20 | 深圳市腾讯计算机系统有限公司 | Request authorization method, device and server |
| CN104766204A (en) * | 2014-01-02 | 2015-07-08 | 广州市沃希信息科技有限公司 | Meal card consumption method and meal card consumption system based on two-dimensional code |
| CN105447698A (en) * | 2015-08-03 | 2016-03-30 | 上海易码信息科技有限公司 | Method for realizing off-line mobile micropayment and macropayment respectively |
Also Published As
| Publication number | Publication date |
|---|---|
| CN101882344B (en) | 2013-04-03 |
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Address after: 100083, room 1810, block B, golden building, No. 17, Qinghua East Road, Beijing, Haidian District Applicant after: Tendyron Technology Co., Ltd. Address before: 100083, room 1810, block B, golden building, No. 17, Qinghua East Road, Beijing, Haidian District Applicant before: Beijing Tendyron Technology Co., Ltd. |
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