CN101901436A - Method, device and system for implementing service payment - Google Patents
Method, device and system for implementing service payment Download PDFInfo
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- CN101901436A CN101901436A CN2010102314594A CN201010231459A CN101901436A CN 101901436 A CN101901436 A CN 101901436A CN 2010102314594 A CN2010102314594 A CN 2010102314594A CN 201010231459 A CN201010231459 A CN 201010231459A CN 101901436 A CN101901436 A CN 101901436A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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Abstract
The invention discloses a method, a device and a system for implementing service payment. An authorizing user terminal transmits the authorization information thereof to an authorized user terminal; and the authorized user terminal implements the service payment according to the received authorization information. Therefore, the method, the device and the system for implementing the service payment can implement the authorization information interaction which is related to the service payment from the authorizing user terminal to the authorized user terminal. Therefore, the authorized user terminal can share the account information of the authorizing user terminal so as to implement the service payment.
Description
Technical field
The present invention relates to the communications field, be specifically related to a kind of methods, devices and systems of realizing professional payment.
Background technology
Short-range communication (Near Field Communication, NFC) technology is a kind of measured short-distance wireless interconnection technique, be the fusion of contactless recognition technology and interconnection technique, can between a plurality of electronic equipments, realize simple and two-way interactive safety.At present, this technology by widespread usage in the financial service field.Wherein, carrying out the mobile phone terminal payment is a kind of applied business that adopts the NFC technology.
Particularly, first kind of approach of mobile phone terminal payment is to collect consumption charge by the mobile phone terminal bill, and the user has paid consumption charge again in its mobile phone terminal bill of payment.In this mode, mobile operator provides credit for the user.
But this scheme has the following disadvantages:
1, above-mentioned collection charges mode makes telecom operators have super scope to manage the suspicion of financial business, so generally be only limited to nominal fee consumption, swipe the card as public transport, and consumption generally can't be used for wholesale;
2, mobile phone terminal is belongings in the daily life, generally is not easy to lend other people and consumes.
Second kind of approach of mobile phone terminal payment is to collect consumption charge from the stored value accounts of user's bank account or businessman.In this mode, mobile phone terminal is a simple information channel, needs the user that Bank Account Number or stored value accounts and its mobile phone terminal number are bound.
But this scheme has the following disadvantages:
The user can not obtain the preferential amount of consumption of businessman by accumulation consumption.
And, in actual use, often occur using consumption card and carry out consumption condition to friends and family at one's side.Be subject to the cause of number binding,, just can't carry out the mobile phone terminal payment consumption once more, and need carry out business-binding again, cause professional payment process too loaded down with trivial details in case change mobile phone terminal number.
Summary of the invention
In view of this, fundamental purpose of the present invention is to provide a kind of method and apparatus of realizing professional payment, mutual to realize authorizes user terminal to the authorization message that relates to professional payment that is authorized to user terminal, make to be authorized to user terminal and can to share the accounts information of authorizes user terminal to realize professional the payment.
Another object of the present invention is to provide a kind of system that realizes professional payment, the same authorizes user terminal that realizes is mutual to the authorization message that relates to professional payment that is authorized to user terminal, makes to be authorized to user terminal and can to share the accounts information of authorizes user terminal to realize professional the payment.
For achieving the above object, technical scheme of the present invention is achieved in that
A kind of method that realizes professional payment, this method comprises:
Authorizes user terminal sends to self authorization message and is authorized to user terminal; Be authorized to user terminal and realize professional payment according to the authorization message of receiving.
Described authorization message comprises:
The electronic labeling information that comprises personal account information, and cell-phone internal information;
Described cell-phone internal information comprises the number information of user terminal at least.
This method further comprises:
To being authorized to this authorization message to be carried out the vCard coding before user terminal sends described authorization message;
Before being authorized to the described professional payment of user terminal realization, the described authorization message of receiving is carried out the vCard decoding.
The process that realizes described professional payment comprises:
User terminal number information in the described authorization message and authorized users termination number are compared, when comparing successfully, use the account of described authorizes user terminal to carry out professional payment consumption by being authorized to user terminal.
Described authorization message further comprises:
Comprise the consumption amount of money and/or consumption number of times at interior user to set information;
When realizing that described business is paid, further judge whether to exceed the scope that is provided with of described user to set information, when not exceeding, use the account of described authorizes user terminal to carry out professional payment consumption by being authorized to user terminal.
A kind of device of realizing professional payment is arranged in authorized party's user terminal, and this device comprises: authorization message generation unit, authorization message transmitting element; Wherein,
Described authorization message generation unit is used to generate the authorization message of authorizes user terminal, and sends to the authorization message transmitting element;
Described authorization message transmitting element, the authorization message that is used for receiving send to and are authorized to method, subscriber terminal.
Comprise NFC functional unit, file system storage unit in the described authorization message generation unit; Wherein,
Described NFC functional unit is used for by wave point load authorization information and transmission;
Described file system storage unit is used to store described authorization message.
Further comprise transcoder unit in the described authorization message generation unit, be used to carry out the vCard encoding and decoding conversion of authorization message.
Described authorization message comprises:
The electronic labeling information that comprises personal account information, and cell-phone internal information;
Described cell-phone internal information comprises the number information of user terminal at least.
Described authorization message further comprises:
Comprise the consumption amount of money and/or consumption number of times at interior user to set information.
A kind of device of realizing professional payment is arranged at and is authorized in the method, subscriber terminal, and this device comprises: authorization message resolution unit, professional payment unit; Wherein,
Described authorization message resolution unit is used for parsing authorization message from authorized party's user terminal from the Content of Communication of receiving, and the authorization message that parses is sent to professional payment unit;
Described professional payment unit is used for realizing professional payment according to the authorization message of receiving.
A kind of system that realizes professional payment, this system comprise authorized party's user terminal and are authorized to method, subscriber terminal; Wherein, authorized party's user terminal comprises continuous authorization message generation unit, authorization message transmitting element; Be authorized to method, subscriber terminal and comprise continuous authorization message resolution unit, professional payment unit; Wherein,
Described authorization message generation unit is used to generate the authorization message of authorizes user terminal, and sends to the authorization message transmitting element;
Described authorization message transmitting element, the authorization message that is used for receiving send to and are authorized to method, subscriber terminal;
Described authorization message resolution unit is used for parsing authorization message from authorized party's user terminal from the Content of Communication of receiving, and the authorization message that parses is sent to professional payment unit;
Described professional payment unit is used for realizing professional payment according to the authorization message of receiving.
Described authorization message comprises:
The electronic labeling information that comprises personal account information, and cell-phone internal information;
Described cell-phone internal information comprises the number information of user terminal at least.
Described authorization message further comprises:
Comprise the consumption amount of money and/or consumption number of times at interior user to set information.
As seen, methods, devices and systems of the present invention can realize that all authorizes user terminal is mutual to the authorization message that is authorized to the professional payment of relating to of user terminal, make to be authorized to user terminal and can to share the accounts information of authorizes user terminal to realize professional payment.
Description of drawings
Fig. 1 is that the electronic labeling information of one embodiment of the invention loads process flow diagram;
Fig. 2 is the vCard coding process flow diagram of one embodiment of the invention;
Fig. 3 is the vCard decoding of one embodiment of the invention and the process flow diagram of authentication;
Fig. 4 is the process flow diagram that user terminal carries out professional payment that is authorized to of one embodiment of the invention;
Fig. 5 is the general flow chart of the professional payment of realization of one embodiment of the invention;
Fig. 6 is the system diagram of the professional payment of realization of one embodiment of the invention;
Fig. 7 is the composition structural representation of the authorization message generation unit among Fig. 6.
Embodiment
In actual applications, can carry out technical operation as described below at user terminals such as mobile phone terminal, vehicle-mounted transfer tables, only be that example is described below with the mobile phone terminal.
In general, NFC functional unit, transcoder unit, file system storage unit can be set in mobile phone terminal.During concrete operations, realize that the method for professional payment may further comprise the steps:
(1) mobile phone terminal loads the electronic labeling information that comprises personal account information by the wave point of NFC functional unit, this electronic labeling information is saved in the tag stored data zone of mobile phone terminal.
In the such scheme, the tag stored data zone is an ingredient of NFC functional unit, the personal account information that main responsible storage is loaded;
In the such scheme, mobile phone terminal need have the NFC function, as: can be with the NFC built-in chip type on the mainboard of mobile phone terminal or on the SIM card;
In the such scheme, the user carries out can identifying with the form of electronic tag in the stored value card of the bank card of professional payment or businessman;
This scheme further comprises: the electronic tag on the stored value card of bank card or businessman can be had the mobile phone terminal identification of NFC function;
In the such scheme, described wave point is often referred to the antenna in the NFC functional unit, is together to be built on the mainboard of mobile phone terminal or on the SIM card with the NFC chip;
In the such scheme, before electronic labeling information that mobile phone terminal will comprise personal account information is loaded on the NFC functional unit of mobile phone terminal, need earlier the mode of operation of mobile phone terminal NFC functional unit is adjusted into the reader simulation model;
In the such scheme, the electronic labeling information content that mobile phone terminal read contains account ID, the affiliated people of account, account class information at least.
(2) mobile phone terminal is the vCard file layout with the electronic labeling information in the tag stored data zone, mobile phone terminal internal information and user to set information Unified coding, and the vCard file that the back of will encoding is generated is saved in the file system storage unit of mobile phone terminal.
In the such scheme, have in can containing at least in the electronic labeling information: people, account class information under account ID, the account;
In the such scheme, the mobile phone terminal internal information can contain the number information of mobile phone terminal at least;
In the such scheme, user to set information contains the limited number of times and the restriction amount information of use at least, specifically is meant: the mobile phone terminal that restriction is authorized to exceeds the amount consumption of being authorized.In addition, user to set information also will comprise the mobile phone terminal number information that is authorized to.Have, user to set information also will comprise the information whether the consumption password that is used to indicate account exists, and specifically is meant: inform whether there is the consumption password to the mobile phone terminal that is authorized to again.If there is the consumption password, need to obtain to the mobile phone terminal of authorizing again.
In the such scheme, electronic labeling information, mobile phone terminal internal information and user to set information unification are encoded, carry out the corresponding one by one of field with the format specification of vCard agreement;
In the such scheme, the vCard file that further conversion is finished normally is saved in the file system storage unit of mobile phone terminal.
In the such scheme, judge that the vCard file method whether code conversion finishes is generally: judge whether the vCard file is complete and effective.
(3) the vCard file after mobile phone terminal will transform sends to the mobile phone terminal that is authorized to access to your account by wired or wireless transmission network.The vCard file storage is in the file system storage unit of mobile phone terminal;
(4) mobile phone terminal that is authorized to is decoded to the vCard file of receiving.
In the such scheme, mobile phone terminal is decoded as electronic labeling information, mobile phone terminal internal information and user to set information successively with the vCard file;
In the such scheme, decoded electronic labeling information is stored in the tag stored data zone of NFC functional unit;
In the such scheme, in the file system storage unit that mobile phone terminal internal information that decodes and user to set information are stored in mobile phone terminal;
In the such scheme, further the mobile phone terminal number information that decoding is obtained is compared with the mobile phone terminal number that is authorized to, if compare successfully, then is authorized to the mobile phone terminal consumption of having the right to access to your account; If comparison failure, then be authorized to the mobile phone terminal consumption of having no right to access to your account;
In the such scheme, further whether the user to set information that obtains according to decoding confirms the consumption encrypted message of needs account, and obtains trading password to the mobile phone terminal of authorizing again when need confirming.
(5) when carrying out electronic transaction, the mobile phone terminal that is authorized to sends the electronic tag data in the NFC functional unit, carries out the business payment.
In the such scheme, if need the consumption password of account in process of consumption, the mobile phone terminal that is authorized to need be inputed password to consume;
In the such scheme, information such as the limited number of times in the user to set information that obtains according to decoding and the restriction amount of money can limit the mobile phone terminal that is authorized to and exceed the amount consumption of being authorized;
In the such scheme, then can normally consume if surpass the consumption number of times or the consumption amount of money of user's setting; If surpass the consumption number of times or the consumption amount of money that the user sets, the mobile phone terminal that then is authorized to can't access to your account and carry out the business payment;
In the such scheme, when the mobile phone terminal that is authorized to carries out electronic transaction, need elder generation that the mode of operation of mobile phone terminal NFC functional unit is adjusted into the snap gauge simulation models, so that carry out electronic transaction.
Based on the aforesaid operations thinking, can carry out flow process as shown in Figures 1 to 4.
As shown in Figure 1, Fig. 1 is that the electronic labeling information of one embodiment of the invention loads process flow diagram, and this flow process may further comprise the steps:
Step 101: mobile phone terminal loads the electronic labeling information that comprises personal account information by the wave point of NFC functional unit.
Step 102: judge to load whether pass through, if do not pass through, then refusal communication, and process ends; If pass through, then enter step 103.
Step 103: the electronic labeling information that obtains is saved in the tag stored data zone of NFC functional unit of mobile phone terminal.
Need to prove that the tag stored data zone is an ingredient of NFC functional unit, the personal account information that main responsible storage is loaded; Mobile phone terminal need have the NFC function, as: can be with the NFC built-in chip type on the mainboard of mobile phone terminal or on the SIM card; The user carries out can identifying with the form of electronic tag in the stored value card of the bank card of professional payment or businessman; Electronic tag on the stored value card of bank card or businessman can be had the mobile phone terminal identification of NFC function; Described wave point is often referred to the antenna in the NFC functional unit, is together to be built on the mainboard of mobile phone terminal or on the SIM card with the NFC chip; Before electronic labeling information that mobile phone terminal will comprise personal account information is loaded on the NFC functional unit of mobile phone terminal, need earlier the mode of operation of mobile phone terminal NFC functional unit is adjusted into the reader simulation model; The electronic labeling information content that mobile phone terminal read contains account ID, the affiliated people of account, account class information at least.
As shown in Figure 2, Fig. 2 is the vCard coding process flow diagram of one embodiment of the invention, and this flow process may further comprise the steps:
Step 201: mobile phone terminal obtains electronic labeling information, cell-phone internal information.
At least have in can containing in the electronic labeling information: people, account class information under account ID, the account; Cell-phone internal information can contain the number information of mobile phone terminal at least.
Step 202: judge whether obtaining of electronic labeling information be successful, if success enters step 203; Otherwise, return step 201.
Step 203: user's setting code mark, the mobile phone terminal number that is authorized to, the consumption amount of money and consumption number of times information.
Above-mentioned user to set information contains the limited number of times and the restriction amount information of use at least, specifically is meant: the mobile phone terminal that restriction is authorized to exceeds the amount consumption of being authorized; In addition, user to set information also will comprise the mobile phone terminal number information that is authorized to; Have, user to set information also will comprise the information whether the consumption password that is used to indicate account exists, and specifically is meant: inform whether there is the consumption password to the mobile phone terminal that is authorized to again.If there is the consumption password, need to obtain to the mobile phone terminal of authorizing again.
Step 204: mobile phone terminal is the information format of vCard file with the electronic labeling information in the tag stored data zone, cell-phone internal information and user to set information Unified coding.
As: the format specification with the vCard agreement is encoded to electronic labeling information, cell-phone internal information and user to set information unification, carries out the corresponding one by one of field.According to the standard of vCard agreement, can be encoded to following form;
BEGIN:VCARD
The version number of VERSION:VCARD standard is as 2.1 versions
Electronic labeling information is as follows:
Card_NumberID: account ID
Card_Name: people's name under the account
Card_Class: account class, such as, can be provided with 1 and be general card, be provided with 2 and be silver card, be provided with 3 for gold card, can in the light of actual conditions carry out freely being provided with.
Cell-phone internal information is as follows:
Phone_Number: people's phone number under the account
User to set information is as follows:
User_Number: consumable access times
User_Cost: the consumable amount of money
User_PhoneNumber: the number of the mobile phone terminal that is authorized to access to your account
User_Passcode: whether there is the consumption password of account, such as, can be provided with 1 for the consumption password is arranged, be provided with 2 and do not consume password
END:VCARD
Step 205: judge whether coding is successful, if success enters step 206; Otherwise, return step 204.
Step 206: the vCard file is saved in the file system storage unit of mobile phone terminal.
As: the vCard file that conversion is finished normally is saved in the file system storage unit of mobile phone terminal, and the user can check the information after the conversion, so that edit-modify is set the consumption situation that is authorized to mobile phone terminal.
The success of whether encoding of the described vCard of judgement file is specially: judge that whether complete the vCard file and effectively.
As shown in Figure 3, Fig. 3 is the vCard decoding of one embodiment of the invention and the process flow diagram of authentication, and this flow process may further comprise the steps:
Step 301: the mobile phone terminal that is authorized in the file system storage unit of mobile phone terminal, and is decoded the vCard file storage that receives to this vCard file.
Step 302: judge whether decoding is successful, if success enters step 303; Otherwise failure is released, and process ends.
Step 303: the form during according to coding is decoded as electronic labeling information, cell-phone internal information and user to set information successively with the vCard file.
The electronic labeling information that decoding obtains is stored in the tag stored data zone of NFC functional unit; In the file system storage unit that cell-phone internal information that decoding obtains and user to set information are stored in mobile phone terminal, can check by the consumption user that is authorized to, so that know the consumption right that is authorized to.
Step 304: the mobile phone terminal number information that decoding is obtained is compared with the mobile phone terminal number that is authorized to, if compare successfully, then is authorized to the mobile phone terminal consumption of having the right to access to your account; If comparison failure, then be authorized to the mobile phone terminal consumption of having no right to access to your account.That is: when comparing successfully, carry out the business payment by the account that is authorized to mobile phone terminal use authority mobile phone terminal.
Step 305: judge whether to compare successfully, if success enters step 306; Otherwise failure is released, and process ends.
Step 306: in the user to set information that decoding obtains, confirm whether to have the consumption encrypted message of the consumption password existence of indicating account,, directly enter step 308 if having; Otherwise, enter step 307.
Step 307: need to obtain trading password to the user terminal of authorizing again.
Step 308: confirm that the mobile phone terminal that is authorized to has the right of the consumption of accessing to your account.
As shown in Figure 4, Fig. 4 is the process flow diagram that user terminal carries out professional payment that is authorized to of one embodiment of the invention, and this flow process may further comprise the steps:
Step 401: when carrying out electronic transaction, the mobile phone terminal that is authorized to sends the electronic labeling information in the NFC functional unit, carries out the business payment.
Step 402: whether the trading password of judging input is effective, if judged result is for being to enter step 403; Otherwise failure is released, and process ends.
Particularly, if need the consumption password of account in process of consumption, the mobile phone terminal that is authorized to need be inputed password, to consume.If the consumption password of input is correct, then can consume.
Step 403: judge whether to exceed the consumption number of times that is authorized to, if exceed, failure is released, and process ends; Otherwise, enter step 404.
Step 404: judge whether to exceed the consumption amount of money that is authorized to, if exceed, failure is released, and process ends; Otherwise, enter step 405.
In step 403 and the step 404, use limited number of times in the user to set information that can obtain according to decoding and restriction amount information, the mobile phone terminal that restriction is authorized to exceeds the amount consumption of being authorized.As: then can normally consume if surpass the consumption number of times or the consumption amount of money of user's setting; If surpass the consumption number of times or the consumption amount of money that the user sets, the mobile phone terminal that then is authorized to can't access to your account and carry out the business payment.
Need to prove that when the mobile phone terminal that is authorized to access to your account carried out electronic transaction, the mode of operation that needs elder generation to adjust mobile phone terminal NFC functional unit was the snap gauge simulation models, to carry out electronic transaction.
Step 405: the mobile phone terminal that is authorized to accesses to your account and consumes successfully.
In actual applications, the mode that can use except that the vCard encoding and decoding is carried out information encoding-decoding, does not even carry out information encoding-decoding, is authorized to mobile phone terminal but electronic labeling information, cell-phone internal information, user to set information directly sent to.And, also can not comprise user to set information, but directly authorize the professional obligation authority that is not subjected to consume restrictions such as the amount of money, consumption number of times to being authorized to mobile phone terminal.
In conjunction with above-mentioned each flow process as seen, the present invention realizes that the operation thinking of professional payment can show as shown in Figure 5.Referring to Fig. 5, Fig. 5 is the general flow chart of the professional payment of realization of one embodiment of the invention, and this flow process may further comprise the steps:
Step 510: authorizes user terminal sends to self authorization message and is authorized to user terminal.Described authorization message is generally the electronic labeling information that comprises personal account information.
Step 520: be authorized to user terminal and realize professional payment according to the authorization message of receiving.
In order to guarantee the smooth realization of aforesaid operations flow process, can carry out setting as shown in Figure 6.Referring to Fig. 6, Fig. 6 is the system diagram of the professional payment of the realization of one embodiment of the invention, and this system comprises and can realize the authorized party's user terminal that communicates to connect and be authorized to method, subscriber terminal.Wherein, authorized party's user terminal comprises continuous authorization message generation unit, authorization message transmitting element; Be authorized to method, subscriber terminal and comprise continuous authorization message resolution unit, professional payment unit.
During concrete the application, the authorization message generation unit in authorized party's user terminal can generate the authorization message of authorizes user terminal, and sends to the authorization message transmitting element, by the authorization message transmitting element authorization message of receiving is sent to be authorized to method, subscriber terminal.
Be authorized to the authorization message resolution unit in the method, subscriber terminal, can from the Content of Communication of receiving, parse authorization message, and the authorization message that parses is sent to professional payment unit, realize professional payment according to the authorization message of receiving by professional payment unit.
In actual applications, it is the reader simulation model with the work at present mode adjustment that the authorization message generation unit can also be controlled continuous mode switching unit, so that carry out the loading of electronic labeling information; Professional payment unit then can be controlled continuous mode switching unit current mode of operation is adjusted into the snap gauge simulation models, so that carry out electronic transaction.
In addition, can also be as shown in Figure 7 with the inner structure setting of authorization message generation unit.Referring to Fig. 7, Fig. 7 is the composition structural representation of the authorization message generation unit among Fig. 6, and this composition structure comprises continuous NFC functional unit, transcoder unit, file system storage unit.In general, the NFC functional unit can load the electronic labeling information that comprises personal account information by wave point under the reader simulation model; Can also under the snap gauge simulation models, send electronic labeling information, to carry out electronic transaction.Transcoder unit can carry out the vCard file layout encoding and decoding conversion of electronic labeling information, cell-phone internal information and user to set information.The file system storage unit is used to store the vCard file.
As seen, can think to be provided with transcoder unit and file system storage unit in the authorization message resolution unit that is authorized to method, subscriber terminal, to realize the preservation and the encoding and decoding conversion of vCard file; Can think to be provided with the NFC functional unit in the professional payment unit, so that under the snap gauge simulation models, send electronic labeling information, to carry out electronic transaction.Need to prove that the operation that each functional entity shown in Fig. 6 and Fig. 7 can be realized is described in detail, does not repeat them here in aforesaid flow process.
In sum as seen, no matter be method, device or system, the present invention realizes that the technology of professional payment can realize that all authorizes user terminal is mutual to the authorization message that relates to professional payment that is authorized to user terminal, makes to be authorized to user terminal and can to share the accounts information of authorizes user terminal to realize professional payment.
The above is preferred embodiment of the present invention only, is not to be used to limit protection scope of 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 (14)
1. realize the professional method of paying for one kind, it is characterized in that this method comprises:
Authorizes user terminal sends to self authorization message and is authorized to user terminal; Be authorized to user terminal and realize professional payment according to the authorization message of receiving.
2. method according to claim 1 is characterized in that, described authorization message comprises:
The electronic labeling information that comprises personal account information, and cell-phone internal information;
Described cell-phone internal information comprises the number information of user terminal at least.
3. method according to claim 2 is characterized in that, this method further comprises:
To being authorized to this authorization message to be carried out the vCard coding before user terminal sends described authorization message;
Before being authorized to the described professional payment of user terminal realization, the described authorization message of receiving is carried out the vCard decoding.
4. method according to claim 2 is characterized in that, realizes that the process of described professional payment comprises:
User terminal number information in the described authorization message and authorized users termination number are compared, when comparing successfully, use the account of described authorizes user terminal to carry out professional payment consumption by being authorized to user terminal.
5. method according to claim 4 is characterized in that, described authorization message further comprises:
Comprise the consumption amount of money and/or consumption number of times at interior user to set information;
When realizing that described business is paid, further judge whether to exceed the scope that is provided with of described user to set information, when not exceeding, use the account of described authorizes user terminal to carry out professional payment consumption by being authorized to user terminal.
6. a device of realizing professional payment is arranged in authorized party's user terminal, it is characterized in that this device comprises: authorization message generation unit, authorization message transmitting element; Wherein,
Described authorization message generation unit is used to generate the authorization message of authorizes user terminal, and sends to the authorization message transmitting element;
Described authorization message transmitting element, the authorization message that is used for receiving send to and are authorized to method, subscriber terminal.
7. device according to claim 6 is characterized in that, comprises NFC functional unit, file system storage unit in the described authorization message generation unit; Wherein,
Described NFC functional unit is used for by wave point load authorization information and transmission;
Described file system storage unit is used to store described authorization message.
8. device according to claim 7 is characterized in that, further comprises transcoder unit in the described authorization message generation unit, is used to carry out the vCard encoding and decoding conversion of authorization message.
9. device according to claim 8 is characterized in that, described authorization message comprises:
The electronic labeling information that comprises personal account information, and cell-phone internal information;
Described cell-phone internal information comprises the number information of user terminal at least.
10. according to each described device of claim 6 to 9, it is characterized in that described authorization message further comprises:
Comprise the consumption amount of money and/or consumption number of times at interior user to set information.
11. a device of realizing professional payment is arranged at and is authorized to it is characterized in that in the method, subscriber terminal that this device comprises: authorization message resolution unit, professional payment unit; Wherein,
Described authorization message resolution unit is used for parsing authorization message from authorized party's user terminal from the Content of Communication of receiving, and the authorization message that parses is sent to professional payment unit;
Described professional payment unit is used for realizing professional payment according to the authorization message of receiving.
12. a system that realizes professional payment is characterized in that, this system comprises authorized party's user terminal and is authorized to method, subscriber terminal; Wherein, authorized party's user terminal comprises continuous authorization message generation unit, authorization message transmitting element; Be authorized to method, subscriber terminal and comprise continuous authorization message resolution unit, professional payment unit; Wherein,
Described authorization message generation unit is used to generate the authorization message of authorizes user terminal, and sends to the authorization message transmitting element;
Described authorization message transmitting element, the authorization message that is used for receiving send to and are authorized to method, subscriber terminal;
Described authorization message resolution unit is used for parsing authorization message from authorized party's user terminal from the Content of Communication of receiving, and the authorization message that parses is sent to professional payment unit;
Described professional payment unit is used for realizing professional payment according to the authorization message of receiving.
13. system according to claim 12 is characterized in that, described authorization message comprises:
The electronic labeling information that comprises personal account information, and cell-phone internal information;
Described cell-phone internal information comprises the number information of user terminal at least.
14., it is characterized in that described authorization message further comprises according to claim 12 or 13 described systems:
Comprise the consumption amount of money and/or consumption number of times at interior user to set information.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201010231459.4A CN101901436B (en) | 2010-07-19 | 2010-07-19 | A kind of methods, devices and systems for realizing that business pays |
| PCT/CN2010/077951 WO2012009894A1 (en) | 2010-07-19 | 2010-10-21 | Method, device and system for realizing business payment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201010231459.4A CN101901436B (en) | 2010-07-19 | 2010-07-19 | A kind of methods, devices and systems for realizing that business pays |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN101901436A true CN101901436A (en) | 2010-12-01 |
| CN101901436B CN101901436B (en) | 2017-03-29 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201010231459.4A Active CN101901436B (en) | 2010-07-19 | 2010-07-19 | A kind of methods, devices and systems for realizing that business pays |
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| Country | Link |
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| CN (1) | CN101901436B (en) |
| WO (1) | WO2012009894A1 (en) |
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| CN103778533A (en) * | 2012-10-23 | 2014-05-07 | 三星电子株式会社 | System for performing payment in mobile terminal |
| CN105074745A (en) * | 2012-12-27 | 2015-11-18 | 新韩信用卡株式会社 | Method for controlling payment device for selecting payment means |
| CN105493114A (en) * | 2013-08-20 | 2016-04-13 | 因斯塔配有限公司 | Mobile card sharing service method and system with enhanced security |
| CN106600265A (en) * | 2016-11-30 | 2017-04-26 | 广东欧珀移动通信有限公司 | Data processing method, data processing system and terminal device |
| CN106934622A (en) * | 2015-12-31 | 2017-07-07 | 华为技术有限公司 | A kind of method and apparatus of shared account |
| CN107016736A (en) * | 2017-05-03 | 2017-08-04 | 上海毕咨信息技术有限公司 | A kind of taximeter |
| CN110992014A (en) * | 2019-11-28 | 2020-04-10 | 维沃移动通信有限公司 | Payment method and electronic equipment |
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| CN103778533A (en) * | 2012-10-23 | 2014-05-07 | 三星电子株式会社 | System for performing payment in mobile terminal |
| US10445724B2 (en) | 2012-10-23 | 2019-10-15 | Samsung Electronics Co., Ltd. | System for performing payment in mobile terminal |
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| CN106600265A (en) * | 2016-11-30 | 2017-04-26 | 广东欧珀移动通信有限公司 | Data processing method, data processing system and terminal device |
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| CN110992014A (en) * | 2019-11-28 | 2020-04-10 | 维沃移动通信有限公司 | Payment method and electronic equipment |
Also Published As
| Publication number | Publication date |
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| CN101901436B (en) | 2017-03-29 |
| WO2012009894A1 (en) | 2012-01-26 |
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