CN101894334A - Payment method, payment system, mobile terminal and payment method and system of mobile terminal - Google Patents
Payment method, payment system, mobile terminal and payment method and system of mobile terminal Download PDFInfo
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- CN101894334A CN101894334A CN2010101225822A CN201010122582A CN101894334A CN 101894334 A CN101894334 A CN 101894334A CN 2010101225822 A CN2010101225822 A CN 2010101225822A CN 201010122582 A CN201010122582 A CN 201010122582A CN 101894334 A CN101894334 A CN 101894334A
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Abstract
The invention is suitable for the field of communication, and provides a payment method, a payment system, a mobile terminal and a payment method and a payment system of the mobile terminal. The payment method comprises the following steps that: a cashing system receives inputted consumption amount and mobile terminal numbers of consumers, and receives a selected electronic bank to generate a consumption link with the selected electronic bank; a communication module sends the generated consumption link to the mobile terminal corresponding to the mobile terminal numbers; the mobile terminal logs in a network server of the electronic bank according to the consumption link; the network server receives payment confirming instructions of the consumers to generate payment confirmation information; the network server sends the payment confirmation information to the cashing system; and the cashing system receives the payment confirmation information and completes payment. The payment method has the advantages that: the safety is high; bank cards do not need to be carried; and due to the unbinding of the mobile terminals and bank accounts, users can perform payment by using any mobile terminal.
Description
Technical field
The invention belongs to the communications field, relate in particular to a kind of method of payment, system, portable terminal and method of payment thereof and system.
Background technology
At present, payment mode is varied in the prior art.Wherein a kind of is by increasing an IC-card at portable terminal, to utilize IC-card to proceed payment;
Second kind is, by the payment by using short messages of portable terminal, the number and the Bank Account Number that are about to portable terminal are bound;
But in the first method, portable terminal has been lost, and IC-card has just been lost, and the money that is stored in the IC-card the inside has also just been lost, and security is good inadequately.
In the second method, portable terminal has been lost then can't initiate Payment Request, can only handle mobile terminal number and Bank Account Number binding formality to bank again, and necessary appointed bank, and consumer's selectivity ratios is relatively poor.
In sum, method of payment of the prior art, otherwise security is good inadequately, or mobile terminal number and Bank Account Number binding, after portable terminal is lost, then can only handle mobile terminal number and Bank Account Number binding formality to bank again.
Summary of the invention
The purpose of the embodiment of the invention is to provide a kind of method of payment, be intended to solve method of payment of the prior art, security is good inadequately, mobile terminal number and Bank Account Number binding, after portable terminal is lost, then can only be again handle the problem of mobile terminal number and Bank Account Number binding formality to bank.
The embodiment of the invention is achieved in that a kind of method of payment, and described method of payment may further comprise the steps:
POS receives the consumption amount of money of input and consumer's mobile terminal number, and receives the Web bank of selecting, and produces a consumption link to selected Web bank;
Communication module with the consumption chain that produces receive and send to described mobile terminal number corresponding mobile terminal;
Portable terminal is according to the webserver of described consumption link logging in to online banks;
The webserver receives consumer's affirmation payment instruction, generates payment confirming information;
The webserver sends to POS with described payment confirming information;
POS receives described payment confirming information, then finishes payment.
The embodiment of the invention also provides a kind of payment system, and described payment system comprises:
POS is used to receive the consumption amount of money of input and consumer's mobile terminal number, and receives the Web bank of selecting, and produces a consumption link to selected Web bank;
Communication module is used to send the consumption link that POS produces;
With described mobile terminal number corresponding mobile terminal, be used for the consumption link that the received communication module sends, according to the webserver of described consumption link logging in to online banks;
The described webserver is used to receive consumer's affirmation payment instruction, generates payment confirming information, and sends described payment confirming information;
Described POS also is used to receive the described payment confirming information that the described webserver sends, and behind the described payment confirming information that receives described webserver transmission, then finishes payment.
The embodiment of the invention also provides a kind of method of payment of portable terminal, and described method of payment may further comprise the steps:
The consumption link that produces according to the Web bank of the number of the consumption amount of money of input, described portable terminal and selection by POS that the received communication module sends to selected Web bank;
The webserver according to described consumption link logging in to online banks, to receive consumer's affirmation payment instruction by the described webserver, generate payment confirming information, and payment confirming information issued described POS, with by described POS after receiving described payment confirming information, then finish payment.
The embodiment of the invention also provides a kind of payment system of portable terminal, and described payment system comprises:
First receiver module, a consumption link that produces according to the Web bank of the number of the consumption amount of money of input, described portable terminal and selection by POS that is used for that the received communication module sends to selected Web bank;
Login module, be used for the webserver according to described consumption link logging in to online banks, to receive consumer's affirmation payment instruction by the described webserver, generate payment confirming information, and payment confirming information issued described POS, with by described POS after receiving described payment confirming information, then finish payment.
The embodiment of the invention also provides a kind of portable terminal, and described portable terminal comprises the payment system of described portable terminal.
The embodiment of the invention compared with prior art, beneficial effect is: by the received communication module send by the consumption amount of money of POS according to input, the consumption link that the number of portable terminal and the Web bank of selection produce to selected Web bank, the webserver according to consumption link logging in to online banks is confirmed payment, generate payment confirming information, and issue POS, after POS is received described payment confirming information, then finish payment, security is good, and do not need to carry various bank cards, owing to do not bind portable terminal and Bank Account Number, the user uses any portable terminal to pay.
Description of drawings
Fig. 1 is the process flow diagram of a kind of method of payment of providing of the embodiment of the invention;
Fig. 2 is the module frame chart of a kind of payment system of providing of the embodiment of the invention;
Fig. 3 is the process flow diagram of the method for payment of a kind of portable terminal of providing of the embodiment of the invention;
Fig. 4 is the module frame chart of the payment system of a kind of portable terminal of providing of the embodiment of the invention.
Embodiment
In order to make purpose of the present invention, technical scheme and advantage clearer,, the present invention is further elaborated below in conjunction with drawings and Examples.Should be appreciated that specific embodiment described herein only in order to explanation the present invention, and be not used in qualification the present invention.
In the embodiment of the invention, by the received communication module send by the consumption amount of money of POS according to input, the consumption link that the number of portable terminal and the Web bank of selection produce to selected Web bank, the webserver according to consumption link logging in to online banks is confirmed payment, generate payment confirming information, and issue POS, after POS is received described payment confirming information, then finish payment, security is good, and do not need to carry various bank cards, owing to do not bind portable terminal and Bank Account Number, the user uses any portable terminal to pay.
See also Fig. 1, the embodiment of the invention provides a kind of method of payment, and described method of payment may further comprise the steps:
S101: POS receives the consumption amount of money of input and consumer's mobile terminal number, and receives the Web bank of selecting, and produces a consumption link to selected Web bank;
S102: communication module with the consumption chain that produces receive and send to described mobile terminal number corresponding mobile terminal;
S103: portable terminal is according to the webserver of described consumption link logging in to online banks;
S104: the webserver receives consumer's affirmation payment instruction, generates payment confirming information;
S105: the webserver sends to POS with described payment confirming information;
S106: POS receives described payment confirming information, then finishes payment.
In an embodiment of the present invention, among the step S102, described communication module can be arranged on described POS inside, also can be arranged on the outside of POS as required.
In an embodiment of the present invention, step S102 communication module receives and sends the consumption chain that produces to the step with described mobile terminal number corresponding mobile terminal and can be specially:
The mode that communication module was connected note or mail with the consumption chain that produces sends to and described mobile terminal number corresponding mobile terminal.
Certainly, be not limited to described note or lettergram mode.
In an embodiment of the present invention, further comprising the steps of before the described step S103:
Portable terminal receives the instruction of consumer according to described consumption link logging in to online banks.
In an embodiment of the present invention, described communication module can be wireless communication modules such as GPRS, GSM, CDMA, TD, WIFI.
In an embodiment of the present invention, described step S104: the webserver receives consumer's affirmation payment instruction, generates in the payment confirming information, has comprised the safety certification of password or other modes in the described affirmation payment instruction.
Method of payment of the present invention, security is good, and does not need to carry various bank cards, owing to do not bind portable terminal and Bank Account Number, the user uses any portable terminal to pay.
See also Fig. 2, the embodiment of the invention provides a kind of payment system, and described payment system comprises:
With described mobile terminal number corresponding mobile terminal 203, be used for the consumption link that received communication module 202 sends, according to the webserver of described consumption link logging in to online banks;
The described webserver 204 is used to receive consumer's affirmation payment instruction, generates payment confirming information, and sends described payment confirming information;
Described POS 201 also is used to receive the described payment confirming information that the described webserver 204 sends, and behind the described payment confirming information that receives described webserver transmission, then finishes payment.
In an embodiment of the present invention,
With described mobile terminal number corresponding mobile terminal 203, specifically be used for consumption link that received communication module 202 sends and consumer instruction, then according to the webserver of described consumption link logging in to online banks according to described consumption link logging in to online banks.
In an embodiment of the present invention, described communication module 202 can be arranged on described POS 201 inside, also can be arranged on the outside of POS 201 as required.
In an embodiment of the present invention, described communication module 202 can be wireless communication modules such as GPRS, GSM, CDMA, TD, WIFI.
In an embodiment of the present invention, the safety certification that has comprised password or other modes in the described affirmation payment instruction.
Payment system of the present invention, security is good, and does not need to carry various bank cards, owing to do not bind portable terminal and Bank Account Number, the user uses any portable terminal to pay.
See also Fig. 3, the embodiment of the invention also provides a kind of method of payment of portable terminal, and described method of payment may further comprise the steps:
S301: the consumption link that produces according to the Web bank of the number of the consumption amount of money of input, described portable terminal and selection by POS that the received communication module sends to selected Web bank;
S302: according to the webserver of described consumption link logging in to online banks, to receive consumer's affirmation payment instruction by the described webserver, generate payment confirming information, and payment confirming information issued described POS, with by described POS after receiving described payment confirming information, then finish payment.
In an embodiment of the present invention, further comprising the steps of before the described step S302:
Receive the instruction of consumer according to described consumption link logging in to online banks.
In an embodiment of the present invention, among the step S301, communication module can send described consumption link by the mode of note or mail.
Certainly, send mode is not limited to the above-mentioned mode of enumerating.
In an embodiment of the present invention, described communication module can be arranged on described POS inside, also can be arranged on the outside of POS as required.
In an embodiment of the present invention, described communication module can be wireless communication modules such as GPRS, GSM, CDMA, TD, WIFI.
In an embodiment of the present invention, the safety certification that has comprised password or other modes in the described affirmation payment instruction among the described step S302.
The method of payment of portable terminal of the present invention, security is good, and does not need to carry various bank cards, owing to do not bind portable terminal and Bank Account Number, the user uses any portable terminal to pay.
See also Fig. 4, the embodiment of the invention also provides a kind of payment system of portable terminal, and described payment system comprises:
In one embodiment of the invention, described system also comprises:
Second receiver module is used for after described first receiver module 401 receives described consumption link, receives the instruction of consumer according to described consumption link logging in to online banks.
In an embodiment of the present invention, described login module 402, then specifically be used for after described second receiver module receives the instruction of consumer according to described consumption link logging in to online banks, the webserver according to described consumption link logging in to online banks, to receive consumer's affirmation payment instruction by the described webserver, generate payment confirming information, and payment confirming information issued described POS, with by described POS after receiving described payment confirming information, then finish payment.
In an embodiment of the present invention, described communication module can be arranged on described POS inside, also can be arranged on the outside of POS as required.
In an embodiment of the present invention, described communication module can be wireless communication modules such as GPRS, GSM, CDMA, TD, WIFI.
The payment system of portable terminal of the present invention, security is good, and does not need to carry various bank cards, owing to do not bind portable terminal and Bank Account Number, the user uses any portable terminal to pay.
Embodiments of the invention also provide a kind of portable terminal, and described portable terminal comprises the payment system of described portable terminal.
Method of payment of the present invention, system, portable terminal and method of payment thereof and system, consumption link that produces according to the Web bank of the number of the consumption amount of money of input, portable terminal and selection by POS that sends by the received communication module to selected Web bank, the webserver according to consumption link logging in to online banks is confirmed payment, generate payment confirming information, and issue POS, after POS is received described payment confirming information, then finish payment.Security is good, and does not need to carry various bank cards, owing to do not bind portable terminal and Bank Account Number, the user uses any portable terminal to pay.
The above only is preferred embodiment of the present invention, not in order to restriction the present invention, all any modifications of being done within the spirit and principles in the present invention, is equal to and replaces and improvement etc., all should be included within protection scope of the present invention.
Claims (10)
1. a method of payment is characterized in that, described method of payment may further comprise the steps:
POS receives the consumption amount of money of input and consumer's mobile terminal number, and receives the Web bank of selecting, and produces a consumption link to selected Web bank;
Communication module with the consumption chain that produces receive and send to described mobile terminal number corresponding mobile terminal;
Portable terminal is according to the webserver of described consumption link logging in to online banks;
The webserver receives consumer's affirmation payment instruction, generates payment confirming information;
The webserver sends to POS with described payment confirming information;
POS receives described payment confirming information, then finishes payment.
2. method of payment as claimed in claim 1 is characterized in that, it is inner or outside that described communication module is arranged on POS.
3. method of payment as claimed in claim 1 is characterized in that, and is further comprising the steps of before the step of described portable terminal according to the webserver of described consumption link logging in to online banks:
Portable terminal receives the instruction of consumer according to described consumption link logging in to online banks.
4. a payment system is characterized in that, described payment system comprises:
POS is used to receive the consumption amount of money of input and consumer's mobile terminal number, and receives the Web bank of selecting, and produces a consumption link to selected Web bank;
Communication module is used to send the consumption link that POS produces;
With described mobile terminal number corresponding mobile terminal, be used for the consumption link that the received communication module sends, according to the webserver of described consumption link logging in to online banks;
The described webserver is used to receive consumer's affirmation payment instruction, generates payment confirming information, and sends described payment confirming information;
Described POS also is used to receive the described payment confirming information that the described webserver sends, and behind the described payment confirming information that receives described webserver transmission, then finishes payment.
5. payment system as claimed in claim 4 is characterized in that, described communication module is GPRS, GSM, CDMA, TD or WIFI wireless communication module.
6. the method for payment of a portable terminal is characterized in that, described method of payment may further comprise the steps:
The consumption link that produces according to the Web bank of the number of the consumption amount of money of input, described portable terminal and selection by POS that the received communication module sends to selected Web bank;
The webserver according to described consumption link logging in to online banks, to receive consumer's affirmation payment instruction by the described webserver, generate payment confirming information, and payment confirming information issued described POS, with by described POS after receiving described payment confirming information, then finish payment.
7. the method for payment of portable terminal as claimed in claim 6, it is characterized in that, the described webserver according to described consumption link logging in to online banks, to receive consumer's affirmation payment instruction by the described webserver, generate payment confirming information, and payment information issued described POS, with by described POS after receiving described payment confirming information, then finish before the step of payment further comprising the steps of:
Receive the instruction of consumer according to described consumption link logging in to online banks.
8. the payment system of a portable terminal is characterized in that, described payment system comprises:
First receiver module, a consumption link that produces according to the Web bank of the number of the consumption amount of money of input, described portable terminal and selection by POS that is used for that the received communication module sends to selected Web bank;
Login module, be used for the webserver according to described consumption link logging in to online banks, to receive consumer's affirmation payment instruction by the described webserver, generate payment confirming information, and payment confirming information issued described POS, with by described POS after receiving described payment confirming information, then finish payment.
9. the payment system of portable terminal as claimed in claim 8 is characterized in that, described system also comprises:
Second receiver module is used for after described first receiver module receives described consumption link, receives the instruction of consumer according to described consumption link logging in to online banks.
10. a portable terminal is characterized in that, described portable terminal comprises the payment system of claim 8 or 9 described portable terminals.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010101225822A CN101894334A (en) | 2010-03-11 | 2010-03-11 | Payment method, payment system, mobile terminal and payment method and system of mobile terminal |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010101225822A CN101894334A (en) | 2010-03-11 | 2010-03-11 | Payment method, payment system, mobile terminal and payment method and system of mobile terminal |
Publications (1)
| Publication Number | Publication Date |
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| CN101894334A true CN101894334A (en) | 2010-11-24 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN2010101225822A Pending CN101894334A (en) | 2010-03-11 | 2010-03-11 | Payment method, payment system, mobile terminal and payment method and system of mobile terminal |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102610043A (en) * | 2012-02-09 | 2012-07-25 | 于梦媛 | Mobile terminal with virtual card-swiping function |
| CN102750631A (en) * | 2012-05-11 | 2012-10-24 | 福建联迪商用设备有限公司 | Mobile terminal payment method and mobile terminal payment device |
| CN104346721A (en) * | 2013-07-29 | 2015-02-11 | 智能技术公司 | A self-service terminal order system based on smartphone payment and an ordering method |
| CN104820882A (en) * | 2015-03-20 | 2015-08-05 | 绍兴乐加信息科技有限公司 | Intelligent commercial consumption management system |
| CN104869135A (en) * | 2014-02-24 | 2015-08-26 | 阿里巴巴集团控股有限公司 | Data interaction method and terminal. |
| CN110910112A (en) * | 2019-11-22 | 2020-03-24 | 重庆云捷付科技有限公司 | Safe convenient hospital payment system |
-
2010
- 2010-03-11 CN CN2010101225822A patent/CN101894334A/en active Pending
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102610043A (en) * | 2012-02-09 | 2012-07-25 | 于梦媛 | Mobile terminal with virtual card-swiping function |
| CN102610043B (en) * | 2012-02-09 | 2015-06-24 | 于梦媛 | Mobile terminal with virtual card-swiping function |
| CN102750631A (en) * | 2012-05-11 | 2012-10-24 | 福建联迪商用设备有限公司 | Mobile terminal payment method and mobile terminal payment device |
| CN104346721A (en) * | 2013-07-29 | 2015-02-11 | 智能技术公司 | A self-service terminal order system based on smartphone payment and an ordering method |
| CN104869135A (en) * | 2014-02-24 | 2015-08-26 | 阿里巴巴集团控股有限公司 | Data interaction method and terminal. |
| CN104869135B (en) * | 2014-02-24 | 2018-08-24 | 阿里巴巴集团控股有限公司 | The method and terminal of data interaction |
| CN104820882A (en) * | 2015-03-20 | 2015-08-05 | 绍兴乐加信息科技有限公司 | Intelligent commercial consumption management system |
| CN110910112A (en) * | 2019-11-22 | 2020-03-24 | 重庆云捷付科技有限公司 | Safe convenient hospital payment system |
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Application publication date: 20101124 |