CN101901436B - A kind of methods, devices and systems for realizing that business pays - Google Patents
A kind of methods, devices and systems for realizing that business pays Download PDFInfo
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- 238000000034 method Methods 0.000 title claims abstract description 39
- 238000013475 authorization Methods 0.000 claims abstract description 126
- 238000004088 simulation Methods 0.000 claims description 13
- 238000006243 chemical reaction Methods 0.000 claims description 10
- 238000004891 communication Methods 0.000 claims description 10
- 230000003993 interaction Effects 0.000 abstract description 6
- 238000005516 engineering process Methods 0.000 description 7
- 238000010586 diagram Methods 0.000 description 5
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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
- G06Q20/38—Payment protocols; Details thereof
- 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 the authorization message of itself can be sent to authorized user's terminal by authorized user's terminal by a kind of methods, devices and systems for realizing that business pays；According to the authorization message for receiving, authorized user's terminal realizes that business pays.It can be seen that, the method for the present invention, device and system are capable of achieving authorized user's terminal to the authorization message interaction for being related to business payment of authorized user's terminal, the accounts information that authorized user's terminal shares authorized user's terminal is paid to realize business.
Description
Technical Field
The invention relates to the field of communication, in particular to a method, a device and a system for realizing service payment.
Background
Near Field Communication (NFC) technology is a standard-based short-range wireless connection technology, i.e., a fusion of a non-contact identification technology and an interconnection technology, and can implement simple and secure bidirectional interaction between a plurality of electronic devices. Currently, this technology is being commonly applied in the field of financial services. The mobile phone terminal payment is an application service adopting the NFC technology.
Specifically, the first way of payment by the mobile phone terminal is to charge the consumption fee through a bill of the mobile phone terminal, and the user pays the consumption fee while paying the bill of the mobile phone terminal. In this way, the mobile operator provides credit to the user.
However, the scheme has the following defects:
1. the charge-instead mode makes telecom operators have the suspicion of operating financial services in an over-range mode, so that the charge-instead mode is generally only limited to small-amount consumption, such as bus card swiping, but cannot be used for large-amount consumption;
2. the mobile phone terminal is an article carried about in daily life, and is not easy to be borrowed by other people for consumption.
The second way for the mobile phone terminal to pay is to collect the consumption fee from the user's bank account or the stored value account of the merchant. In this way, the mobile phone terminal is only a simple information channel, and the user is required to bind the bank account number or the stored value account with the mobile phone terminal number of the user.
However, the scheme has the following defects:
the user cannot obtain the consumption preferential amount of the merchant through the accumulated consumption.
In addition, in the actual use process, the situation that the consumption card needs to be borrowed from relatives and friends nearby for consumption often occurs. And once the number of the mobile phone terminal is changed, the mobile phone terminal can not pay again, and the service binding needs to be carried out again, so that the service payment process is too complicated.
Disclosure of Invention
In view of the above, the main objective of the present invention is to provide a method and an apparatus for implementing service payment, so as to implement interaction between authorization information related to service payment from an authorization user terminal to an authorized user terminal, so that the authorized user terminal can share account information of the authorization user terminal to implement service payment.
Another objective of the present invention is to provide a system for implementing service payment, which also implements interaction of authorization information related to service payment from an authorized user terminal to an authorized user terminal, so that the authorized user terminal can share account information of the authorized user terminal to implement service payment.
In order to achieve the purpose, the technical scheme of the invention is realized as follows:
a method of effecting payment for a service, the method comprising:
the authorization user terminal sends the authorization information of the authorization user terminal to the authorized user terminal; and the authorized user terminal realizes service payment according to the received authorization information.
The authorization information includes:
electronic label information including personal account information and mobile phone internal information;
the internal information of the mobile phone at least comprises the number information of the user terminal.
The method further comprises the following steps:
before sending the authorization information to the authorized user terminal, vCard coding is carried out on the authorization information;
and before the authorized user terminal realizes the service payment, vCard decoding is carried out on the received authorization information.
The process of realizing the service payment comprises the following steps:
and comparing the user terminal number information in the authorization information with the authorized user terminal number, and when the comparison is successful, using the account of the authorized user terminal by the authorized user terminal to perform service payment consumption.
The authorization information further includes:
user setting information including consumption amount and/or consumption times;
and when the service payment is realized, further judging whether the set range of the user setting information is exceeded, and if the set range of the user setting information is not exceeded, using the account of the authorized user terminal by the authorized user terminal to perform service payment consumption.
An apparatus for implementing service payment, which is disposed in an authorizer user terminal, the apparatus comprising: an authorization information generating unit and an authorization information sending unit; wherein,
the authorization information generating unit is used for generating authorization information of an authorized user terminal and sending the authorization information to the authorization information sending unit;
and the authorization information sending unit is used for sending the received authorization information to the authorized party user terminal.
The authorization information generating unit comprises an NFC function unit and a file system storage unit; wherein,
the NFC function unit is used for loading authorization information through a wireless interface and sending the authorization information;
and the file system storage unit is used for storing the authorization information.
The authorization information generating unit further comprises a code conversion unit used for converting vCard codes and decodes of the authorization information.
The authorization information includes:
electronic label information including personal account information and mobile phone internal information;
the internal information of the mobile phone at least comprises the number information of the user terminal.
The authorization information further includes:
user setting information including the amount of consumption and/or the number of consumption.
An apparatus for realizing service payment, which is arranged in a user terminal of an authorized party, the apparatus comprising: the authorization information analysis unit and the service payment unit; wherein,
the authorization information analysis unit is used for analyzing the authorization information from the authorization party user terminal from the received communication content and sending the analyzed authorization information to the service payment unit;
and the service payment unit is used for realizing service payment according to the received authorization information.
A system for realizing service payment comprises an authorizer user terminal and an authorized user terminal; the authorization party user terminal comprises an authorization information generating unit and an authorization information sending unit which are connected; the authorized party user terminal comprises an authorization information analysis unit and a service payment unit which are connected; wherein,
the authorization information generating unit is used for generating authorization information of an authorized user terminal and sending the authorization information to the authorization information sending unit;
the authorization information sending unit is used for sending the received authorization information to the user terminal of the authorized party;
the authorization information analysis unit is used for analyzing the authorization information from the authorization party user terminal from the received communication content and sending the analyzed authorization information to the service payment unit;
and the service payment unit is used for realizing service payment according to the received authorization information.
The authorization information includes:
electronic label information including personal account information and mobile phone internal information;
the internal information of the mobile phone at least comprises the number information of the user terminal.
The authorization information further includes:
user setting information including the amount of consumption and/or the number of consumption.
Therefore, the method, the device and the system can realize the interaction of the authorization information related to the service payment from the authorization user terminal to the authorized user terminal, so that the authorized user terminal can share the account information of the authorization user terminal to realize the service payment.
Drawings
Fig. 1 is a flowchart illustrating an electronic tag information loading process according to an embodiment of the present invention;
FIG. 2 is a flow chart of vCard encoding according to an embodiment of the present invention;
fig. 3 is a flowchart of vCard decoding and authentication according to an embodiment of the present invention;
fig. 4 is a flowchart of a service payment performed by an authorized user terminal according to an embodiment of the present invention;
FIG. 5 is a simplified flow chart for implementing service payment according to an embodiment of the present invention;
FIG. 6 is a diagram of a system for implementing service payment according to an embodiment of the present invention;
fig. 7 is a schematic diagram of a structure of the authorization information generation unit in fig. 6.
Detailed Description
In practical applications, the following technical operations may be performed for a user terminal such as a mobile phone terminal or a vehicle-mounted mobile station, and the following description will be given only by taking the mobile phone terminal as an example.
Generally, an NFC functional unit, a transcoding unit, and a file system storage unit may be provided in a mobile phone terminal. In the specific operation, the method for realizing the service payment comprises the following steps:
(1) and the mobile phone terminal loads the electronic tag information containing the personal account information through the wireless interface of the NFC functional unit and stores the electronic tag information into a tag storage data area of the mobile phone terminal.
In the scheme, the tag storage data area is a component of the NFC functional unit and is mainly responsible for storing the loaded personal account information;
in the above scheme, the mobile phone terminal needs to have an NFC function, such as: the NFC chip can be arranged on a mainboard or an SIM card of the mobile phone terminal;
in the scheme, a bank card for business payment of a user or a stored value card of a merchant can be marked in the form of an electronic tag;
the scheme further comprises the following steps: the electronic tag on the bank card or the stored value card of the merchant can be identified by the mobile phone terminal with the NFC function;
in the above scheme, the wireless interface generally refers to an antenna in the NFC functional unit, and is built on a main board of the mobile phone terminal or on the SIM card together with the NFC chip;
in the above scheme, before the mobile phone terminal loads the electronic tag information including the personal account information to the NFC functional unit of the mobile phone terminal, the operating mode of the NFC functional unit of the mobile phone terminal needs to be adjusted to the reader simulation mode;
in the above scheme, the content of the electronic tag information read by the mobile phone terminal at least contains the account ID, the person to which the account belongs, and the account type information.
(2) The mobile phone terminal uniformly codes the electronic tag information, the mobile phone terminal internal information and the user setting information in the tag storage data area into a vCard file format, and stores a vCard file generated after coding into a file system storage unit of the mobile phone terminal.
In the above scheme, the electronic tag information may at least include: account ID, account owner, account type information;
in the above scheme, the internal information of the mobile phone terminal at least can contain number information of the mobile phone terminal;
in the above solution, the user setting information at least includes information on the number of times of use limit and the amount of money limit, specifically: and limiting the authorized mobile phone terminal to consume beyond the authorized limit. In addition, the user setting information also comprises authorized mobile phone terminal number information. Furthermore, the user setting information further includes information indicating whether a consumption password of the account exists, specifically: and informing the authorized mobile phone terminal whether the consumption password exists or not. If the consumption password exists, the consumption password needs to be acquired again from the authorized mobile phone terminal.
In the scheme, the electronic tag information, the internal information of the mobile phone terminal and the user setting information are uniformly coded in a format specification of a vCard protocol, and fields are in one-to-one correspondence;
in the above scheme, the converted vCard file is further normally stored in the file system storage unit of the mobile phone terminal.
In the above scheme, the method for determining whether the vCard file is completely transcoded generally includes: and judging whether the vCard file is complete and effective.
(3) And the mobile phone terminal sends the converted vCard file to a mobile phone terminal authorized to use the account through a wired or wireless transmission network. The vCard file is stored in a file system storage unit of the mobile phone terminal;
(4) and the authorized mobile phone terminal decodes the received vCard file.
In the scheme, the mobile phone terminal decodes the vCard file into electronic tag information, mobile phone terminal internal information and user setting information in sequence;
in the above scheme, the decoded electronic tag information is stored in a tag storage data area of the NFC functional unit;
in the scheme, the decoded internal information and the user setting information of the mobile phone terminal are stored in a file system storage unit of the mobile phone terminal;
in the scheme, the number information of the mobile phone terminal obtained by decoding is further compared with the authorized mobile phone terminal number, and if the comparison is successful, the authorized mobile phone terminal has the right to use the account for consumption; if the comparison fails, the authorized mobile phone terminal does not have the right to use the account for consumption;
in the scheme, whether the consumption password information of the account is needed or not is further confirmed according to the user setting information obtained by decoding, and the transaction password is obtained from the authorized mobile phone terminal again when the need is confirmed.
(5) When electronic transaction is carried out, an authorized mobile phone terminal sends electronic tag data in the NFC functional unit to carry out service payment.
In the scheme, if the consumption password of the account is needed in the consumption process, the authorized mobile phone terminal needs to input the password for consumption;
in the scheme, according to the information such as the limit times, the limit amount and the like in the user setting information obtained by decoding, the authorized mobile phone terminal can be limited from consuming beyond the authorized limit;
in the scheme, if the consumption times or the consumption amount set by the user are not exceeded, normal consumption can be realized; if the consumption times or the consumption amount set by the user are exceeded, the authorized mobile phone terminal cannot use the account to carry out service payment;
in the above scheme, when an authorized mobile phone terminal performs an electronic transaction, the operating mode of the NFC functional unit of the mobile phone terminal needs to be adjusted to the card simulation mode first, so as to perform the electronic transaction.
Based on the above-described operation idea, the flow shown in fig. 1 to 4 can be executed.
As shown in fig. 1, fig. 1 is a flowchart of loading electronic tag information according to an embodiment of the present invention, where the flowchart includes the following steps:
step 101: and the mobile phone terminal loads the electronic tag information containing the personal account information through the wireless interface of the NFC functional unit.
Step 102: judging whether the loading passes or not, if not, refusing communication, and ending the process; if so, step 103 is entered.
Step 103: and storing the acquired electronic tag information into a tag storage data area of an NFC functional unit of the mobile phone terminal.
It should be noted that the tag storage data area is a component of the NFC functional unit and is mainly responsible for storing the loaded personal account information; the mobile phone terminal needs to have an NFC function, such as: the NFC chip can be arranged on a mainboard or an SIM card of the mobile phone terminal; the bank card for business payment of the user or the stored value card of the merchant can be marked in the form of an electronic tag; the electronic tag on the bank card or the stored value card of the merchant can be identified by the mobile phone terminal with the NFC function; the wireless interface generally refers to an antenna in an NFC functional unit, and is built on a mainboard or an SIM card of the mobile phone terminal together with an NFC chip; before the mobile phone terminal loads the electronic tag information containing the personal account information to the NFC functional unit of the mobile phone terminal, the working mode of the NFC functional unit of the mobile phone terminal needs to be adjusted to a reader simulation mode; the electronic tag information content read by the mobile phone terminal at least contains account ID, account belonged person and account type information.
As shown in fig. 2, fig. 2 is a flowchart of vCard encoding according to an embodiment of the present invention, where the flowchart includes the following steps:
step 201: the mobile phone terminal acquires the electronic tag information and the mobile phone internal information.
The electronic tag information may include at least: account ID, account owner, account type information; the internal information of the mobile phone at least can contain the number information of the mobile phone terminal.
Step 202: judging whether the acquisition of the electronic tag information is successful, if so, entering a step 203; otherwise, return to step 201.
Step 203: and the user sets the password mark, the authorized mobile phone terminal number, the consumption amount and the consumption frequency information.
The user setting information at least includes information on the number of times of use and the amount of money to be limited, and specifically includes: limiting the authorized mobile phone terminal to consume beyond the authorized limit; in addition, the user setting information also comprises authorized mobile phone terminal number information; furthermore, the user setting information further includes information indicating whether a consumption password of the account exists, specifically: and informing the authorized mobile phone terminal whether the consumption password exists or not. If the consumption password exists, the consumption password needs to be acquired again from the authorized mobile phone terminal.
Step 204: and the mobile phone terminal uniformly codes the electronic tag information, the mobile phone internal information and the user setting information in the tag storage data area into the information format of the vCard file.
Such as: and uniformly coding the electronic tag information, the mobile phone internal information and the user setting information in a format specification of a vCard protocol, and carrying out one-to-one correspondence of fields. According to the specification of the vCard protocol, the vCard protocol can be coded into the following format;
BEGIN:VCARD
VERSION number of VERSION VCARD Specification, e.g. VERSION 2.1
The electronic tag information is as follows:
card _ number id: account ID
Card _ Name: name of person to whom account belongs
Card _ Class: the account types, for example, 1 can be set as a normal card, 2 can be set as a silver card, and 3 can be set as a gold card, and the account types can be freely set according to actual conditions.
The internal information of the mobile phone is as follows:
phone _ Number: mobile phone number of account owner
The user setting information is as follows:
user _ Number: consumable number of uses
User _ Cost: amount of money consumable
User _ phonenuber: number of mobile phone terminal authorized to use account
User _ Passcode: whether the consumption password of the account exists or not can be set, for example, 1 is the consumption password, and 2 is the consumption password
END:VCARD
Step 205: judging whether the encoding is successful, if so, entering a step 206; otherwise, return to step 204.
Step 206: and storing the vCard file into a file system storage unit of the mobile phone terminal.
Such as: and normally storing the converted vCard file into a file system storage unit of the mobile phone terminal, so that a user can check the converted information so as to edit and modify the converted information and set the consumption condition of the authorized mobile phone terminal.
The judging whether the vCard file is successfully encoded specifically includes: and judging whether the vCard file is complete and effective.
As shown in fig. 3, fig. 3 is a flowchart of vCard decoding and authentication according to an embodiment of the present invention, where the flowchart includes the following steps:
step 301: and the authorized mobile phone terminal stores the received vCard file in a file system storage unit of the mobile phone terminal and decodes the vCard file.
Step 302: judging whether the decoding is successful, if so, entering the step 303; otherwise, the process is failed to be pushed out and the process is ended.
Step 303: and according to the format during coding, the vCard file is sequentially decoded into electronic tag information, mobile phone internal information and user setting information.
The electronic tag information obtained by decoding is stored in a tag storage data area of the NFC functional unit; the decoded internal information and user setting information of the mobile phone are stored in a file system storage unit of the mobile phone terminal and can be viewed by authorized consuming users so as to obtain authorized consuming rights.
Step 304: comparing the mobile phone terminal number information obtained by decoding with the authorized mobile phone terminal number, and if the comparison is successful, the authorized mobile phone terminal has the right to use the account for consumption; if the comparison fails, the authorized mobile phone terminal does not have the right to use the account for consumption. Namely: and when the comparison is successful, the authorized mobile phone terminal uses the account of the authorized mobile phone terminal to carry out service payment.
Step 305: judging whether the comparison is successful, if so, entering step 306; otherwise, the process is failed to be pushed out and the process is ended.
Step 306: confirming whether consumption password information indicating the existence of the consumption password of the account exists in the user setting information obtained by decoding, and if so, directly entering step 308; otherwise, go to step 307.
Step 307: the transaction password needs to be re-acquired to the authorized user terminal.
Step 308: and confirming that the authorized mobile phone terminal has the right to use the account for consumption.
As shown in fig. 4, fig. 4 is a flowchart of a service payment performed by an authorized user terminal according to an embodiment of the present invention, where the flowchart includes the following steps:
step 401: when electronic transaction is carried out, an authorized mobile phone terminal sends electronic tag information in the NFC functional unit to carry out service payment.
Step 402: judging whether the input transaction password is valid, and if so, entering step 403; otherwise, the process is failed to be pushed out and the process is ended.
Specifically, if a consumption password of an account is needed in the consumption process, an authorized mobile phone terminal needs to input the password for consumption. If the input consumption password is correct, the consumption can be performed.
Step 403: judging whether the authorized consumption times are exceeded, if so, failing to push out, and ending the process; otherwise, step 404 is entered.
Step 404: judging whether the authorized consumption amount is exceeded, if so, failing to push out, and ending the process; otherwise, step 405 is entered.
In steps 403 and 404, the authorized mobile phone terminal may be restricted from consuming beyond the authorized amount according to the usage limit times and the limited amount information in the user setting information obtained by decoding. Such as: if the consumption times or the consumption amount set by the user are not exceeded, normal consumption can be realized; and if the consumption times or the consumption amount set by the user are exceeded, the authorized mobile phone terminal cannot use the account to carry out service payment.
It should be noted that, when the mobile phone terminal authorized to use the account performs the electronic transaction, the operating mode of the NFC functional unit of the mobile phone terminal needs to be adjusted to the card simulation mode first to perform the electronic transaction.
Step 405: the authorized mobile phone terminal uses the account to consume successfully.
In practical application, the information coding and decoding can be carried out by a mode except for vCard coding and decoding, even the information coding and decoding are not carried out, and the electronic tag information, the internal information of the mobile phone and the user setting information are directly sent to the authorized mobile phone terminal. Furthermore, the authorized mobile phone terminal may be directly granted a service payment authority not limited by the consumption amount, the consumption times and the like without including the user setting information.
As can be seen from the above processes, the operation idea of the present invention for implementing service payment can be represented as shown in fig. 5. Referring to fig. 5, fig. 5 is a simplified diagram of a process for implementing service payment according to an embodiment of the present invention, where the process includes the following steps:
step 510: the authorized user terminal sends the authorization information of the authorized user terminal to the authorized user terminal. The authorization information is typically electronic label information containing personal account information.
Step 520: and the authorized user terminal realizes service payment according to the received authorization information.
In order to ensure the smooth implementation of the above operation flow, the arrangement shown in fig. 6 may be performed. Referring to fig. 6, fig. 6 is a diagram of a system for implementing service payment according to an embodiment of the present invention, where the system includes an authorizer user terminal and an authorized user terminal that can implement a communication connection. The authorization party user terminal comprises an authorization information generating unit and an authorization information sending unit which are connected; the authorized party user terminal comprises an authorization information analysis unit and a service payment unit which are connected.
When the method is applied specifically, an authorization information generating unit in the user terminal of the authorization party can generate authorization information of the user terminal of the authorization party and send the authorization information to an authorization information sending unit, and the authorization information sending unit sends the received authorization information to the user terminal of the authorized party.
The authorization information analysis unit in the authorized user terminal can analyze the authorization information from the received communication content and send the analyzed authorization information to the service payment unit, and the service payment unit realizes service payment according to the received authorization information.
In practical application, the authorization information generating unit can also control the connected mode conversion unit to adjust the current working mode into a reader simulation mode so as to load the electronic tag information; the service payment unit can control the connected mode conversion unit to adjust the current working mode to the card simulation mode so as to carry out electronic transaction.
In addition, the internal structure of the authorization information generation unit may also be set as shown in fig. 7. Referring to fig. 7, fig. 7 is a schematic diagram of a structure of the authorization information generating unit in fig. 6, where the structure includes an NFC functional unit, a transcoding unit, and a file system storage unit, which are connected to each other. Generally, the NFC functional unit can load electronic tag information containing personal account information through a wireless interface in a reader simulation mode; it is also possible to send electronic tag information in card emulation mode for electronic transactions. The code conversion unit can carry out vCard file format coding and decoding conversion of electronic tag information, mobile phone internal information and user setting information. And the file system storage unit is used for storing the vCard file.
Therefore, the authorization information analysis unit of the authorized user terminal is considered to be provided with a code conversion unit and a file system storage unit so as to realize the storage, coding and decoding conversion of the vCard file; it can be considered that an NFC functional unit is provided in the service payment unit so as to send electronic tag information in the card emulation mode to perform an electronic transaction. It should be noted that the operations that can be implemented by the functional entities shown in fig. 6 and fig. 7 have been described in detail in the foregoing flow, and are not described again here.
In summary, the technology for realizing service payment of the present invention can realize the interaction of authorization information related to service payment from the authorization user terminal to the authorized user terminal, so that the authorized user terminal can share the account information of the authorization user terminal to realize service payment.
The above description is only exemplary of the present invention and should not be taken as limiting the scope of the present invention, and any modifications, equivalents, improvements, etc. that are within the spirit and principle of the present invention should be included in the present invention.
Claims (9)
1. A method for effecting payment for a service, the method comprising:
the authorization user terminal sends the authorization information of the authorization user terminal to the authorized user terminal; the authorized user terminal realizes service payment according to the received authorization information;
the authorized user terminal loads electronic tag information containing personal account information through a wireless interface of the NFC functional unit, and the authorization information contains: electronic label information including personal account information;
the method further comprises the following steps: before an authorized user terminal loads electronic tag information containing personal account information through a wireless interface of a Near Field Communication (NFC) functional unit, adjusting the working mode of the NFC functional unit to a reader simulation mode; when the authorized user terminal realizes service payment according to the received authorization information, the working mode of the NFC functional unit of the authorized user terminal is adjusted to be a card simulation mode.
2. The method of claim 1, wherein the authorization information comprises:
user terminal internal information;
the internal information of the user terminal at least comprises the number information of the user terminal.
3. The method of claim 2, further comprising:
before sending the authorization information to the authorized user terminal, vCard coding is carried out on the authorization information;
and before the authorized user terminal realizes the service payment, vCard decoding is carried out on the received authorization information.
4. The method of claim 2, wherein the process of effecting the service payment comprises:
and comparing the user terminal number information in the authorization information with the authorized user terminal number, and when the comparison is successful, using the account of the authorized user terminal by the authorized user terminal to perform service payment consumption.
5. The method of claim 4, wherein the authorization information further comprises:
user setting information including consumption amount and/or consumption times;
and when the service payment is realized, further judging whether the set range of the user setting information is exceeded, and if the set range of the user setting information is not exceeded, using the account of the authorized user terminal by the authorized user terminal to perform service payment consumption.
6. An apparatus for implementing service payment, which is disposed in a user terminal of an authorized party, the apparatus comprising: the authorization information analysis unit and the service payment unit; wherein,
the authorization information analysis unit is used for analyzing the authorization information from the authorization party user terminal from the received communication content and sending the analyzed authorization information to the service payment unit;
the service payment unit is used for realizing service payment according to the received authorization information;
the service payment unit is provided with an NFC functional unit so as to send electronic tag information in a card simulation mode to carry out electronic transaction;
and the service payment unit is also used for controlling the mode conversion unit of the device to adjust the current working mode of the NFC functional unit into a card simulation mode.
7. A system for realizing service payment is characterized in that the system comprises an authorizer user terminal and an authorized user terminal; the authorization party user terminal comprises an authorization information generating unit and an authorization information sending unit which are connected; the authorized party user terminal comprises an authorization information analysis unit and a service payment unit which are connected; wherein,
the authorization information generating unit is used for generating authorization information of an authorized user terminal and sending the authorization information to the authorization information sending unit;
the authorization information sending unit is used for sending the received authorization information to the user terminal of the authorized party;
the authorization information analysis unit is used for analyzing the authorization information from the authorization party user terminal from the received communication content and sending the analyzed authorization information to the service payment unit;
the service payment unit is used for realizing service payment according to the received authorization information;
the authorization information generating unit comprises an NFC function unit;
the NFC function unit is used for loading authorization information through a wireless interface and sending the authorization information;
the authorization information generating unit is also used for controlling a mode conversion unit of the authorization party user terminal to adjust the current working mode of the NFC functional unit to a reader simulation mode;
and the service payment unit is also used for controlling the mode conversion unit of the authorized party user terminal to adjust the current working mode of the NFC functional unit into a card simulation mode.
8. The system of claim 7, wherein the authorization information comprises:
user terminal internal information;
the internal information of the user terminal at least comprises the number information of the user terminal.
9. The system of claim 7 or 8, wherein the authorization information further comprises:
user setting information including the amount of consumption and/or the number of consumption.
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)
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| KR20140051640A (en) | 2012-10-23 | 2014-05-02 | 삼성전자주식회사 | Financial transaction method of mobile equipment, apparatus thereof, and medium storing program source thereof |
| KR101330962B1 (en) * | 2012-12-27 | 2013-11-18 | 신한카드 주식회사 | Payment device control method for selecting card settlement |
| KR20150021312A (en) * | 2013-08-20 | 2015-03-02 | (주)인스타페이 | Mobile card sharing service method and mobile card sharing service system with enhanced security |
| CN106934622B (en) * | 2015-12-31 | 2022-08-09 | 华为技术有限公司 | Method and device for sharing account |
| US10073962B2 (en) * | 2016-04-01 | 2018-09-11 | Visa International Service Association | System and method employing reduced time device processing |
| CN106600265B (en) * | 2016-11-30 | 2020-12-01 | Oppo广东移动通信有限公司 | Data processing method, data processing system and terminal equipment |
| 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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| CN1691631A (en) * | 2004-04-19 | 2005-11-02 | 三星电子株式会社 | Method for management of vcards |
| CN1790410A (en) * | 2004-12-16 | 2006-06-21 | 冲电气工业株式会社 | Transfer transaction system |
| CN101034449A (en) * | 2007-04-17 | 2007-09-12 | 华中科技大学 | Method, system and mobile terminal for implementing electronic payment |
| CN101098371A (en) * | 2006-06-29 | 2008-01-02 | 中国银联股份有限公司 | Finance data processing method and mobile terminal equipment |
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| CN101770670B (en) * | 2009-01-07 | 2012-05-30 | 深圳市江波龙电子有限公司 | Mobile payment device and method for utilizing mobile payment device to distribute card and realize mobile payment |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN1691631A (en) * | 2004-04-19 | 2005-11-02 | 三星电子株式会社 | Method for management of vcards |
| CN1790410A (en) * | 2004-12-16 | 2006-06-21 | 冲电气工业株式会社 | Transfer transaction system |
| CN101098371A (en) * | 2006-06-29 | 2008-01-02 | 中国银联股份有限公司 | Finance data processing method and mobile terminal equipment |
| CN101034449A (en) * | 2007-04-17 | 2007-09-12 | 华中科技大学 | Method, system and mobile terminal for implementing electronic payment |
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| CN101901436A (en) | 2010-12-01 |
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