Background technology
Popularization along with the bank network service system, bank card such as debit card and credit card has obtained application more and more widely in the consumption clearing, the consumer only need use debit card or credit card just can carry out purchase transaction in the market that POS machine (point of sale terminal) terminal is installed, for the customer consumption clearing provide convenience, the consumer goes on a journey to do shopping and needn't carry buckets of cash, has reduced the risk of carrying cash.Yet the consumer still needs to carry bank card, owing on the bank card account information is arranged, in case bank card is lost, stolen risk is just arranged.
In addition, for some industry, as taxi, take-away, on-site maintenance etc., the consumer can't use bank card to pay sometimes, also can bring payment inconvenience.Mobile phone type POS machine has been arranged at present, can address this problem, but bundle card reader on the mobile phone, carried not very convenient.In some smart mobile phone virtual POS machine software has been installed now, but has been needed manually to import credit card number etc. when in use, operated cumbersomely, also made mistakes easily.
Along with the fast development of the electronics and the communication technology, utilizing mobile phone to pay by mails becomes possibility.At present; developed multiple mobile-phone payment pattern; but all because of existing design defect to fail to be applied; its subject matter is: 1, fail the individual privacy that adequately protects; the payment mode that for example has needs payer or is provided phone number by payer; and telephone number generally belongs to individual privacy, and most of people are reluctant arbitrarily to disclose oneself phone number.2, when payment both sides exchange message, need the tediously long account information of artificial input etc., make when input information, not only to occur mistake easily, and exchange hour is long, efficient is low.3, only be applicable to small amount payment, as be used for the payment of expenses such as traffic, parking.
At present, existing short-distance wireless communication technology mainly contains infrared (IrDA) technology, bluetooth (Bluetooth) technology, Wi-Fi (Wireless Fidelity, Wireless Fidelity) technology and NFC (Near Field Communication, short-range communication) technology etc.These short-distance wireless communication technologies all have application in mobile phone, become mobile phone and carry out replenishing of public network telecommunication by modes such as GPRS, WCDMA, TD-SCDMA and CDMA2000.
Summary of the invention
The purpose of this invention is to provide a kind of hand set paying method, this method can realize between individual and the individual safely, easily and pay and conclude the business with mobile phone-mobile phone or mobile phone-POS machine pattern between consumer and the businessman; Use this method of payment, can improve payment efficient.
For achieving the above object, the present invention adopts following technical scheme:
Hand set paying method provided by the invention comprises the steps:
The payer mobile phone terminal is to being sent bank card account number information by payer mobile phone or POS machine terminal by the short-distance wireless communication mode;
Handled the request of network transmission payment authorization by payer mobile phone or POS machine terminal to bank card business dealing;
Bank card business dealing is handled network to being sent Authorization result by payer mobile phone or POS machine terminal.
Another object of the present invention provides a kind of hand call payment system, and this system can safely, conveniently realize between individual and the individual and pay and conclude the business with mobile phone-mobile phone or mobile phone-POS machine pattern between consumer and the businessman.
For finishing above-mentioned purpose, the present invention adopts following technical scheme:
Hand call payment system provided by the invention comprises: the payer mobile phone terminal, handled network by payer mobile phone or POS machine terminal and bank card business dealing;
Described payer mobile phone terminal is used for to being sent bank card account number information by payer mobile phone or POS machine terminal by the short-distance wireless communication mode;
Describedly be used to receive described bank card account number information, and handle network to bank card business dealing and send the payment authorization request by payer mobile phone or POS machine terminal;
Described bank card business dealing is handled network, receives described payment authorization request, processes related financial information, and Authorization result is sent to described by payer mobile phone or POS machine terminal.
Hand set paying method provided by the invention and system are received bank card account number information that payer mobile phone terminal transmit by mobile phone or POS terminal in the short-distance wireless communication mode by payer, and handle network implementation by bank card business dealing and now authorize and pay; Utilize the short-distance wireless communication mode to transmit the payment information data, compared with prior art, on the one hand, bank card account number information can be transferred to automatically by in payer mobile phone or the POS machine terminal, reduce the artificial input information, reduced error probability, improved payment efficient; On the other hand, utilize the short-distance wireless communication mode to transmit information, the payment both sides do not need to provide phone number, have protected individual privacy.
The present invention is applicable between individual and individual or consumer and the businessman and utilizes the short-distance wireless communication mode to pay and conclude the business between mobile phone-mobile phone or POS machine.The consumer does not need to carry bank card, the information transmission that function by mobile phone and mobile phone or POS machine are paid and concluded the business, enlarged on the one hand the usable range of bank card, better solved on the other hand with bank card in kind and paid and the safety problem brought.
Embodiment
In order to make those skilled in the art person understand technical scheme of the present invention better, and above-mentioned purpose of the present invention, feature and advantage can be become apparent more, the present invention is further detailed explanation below in conjunction with drawings and Examples.
As shown in Figure 1, the embodiment of a kind of hand set paying method provided by the invention comprises the steps:
S101: the payer mobile phone terminal with connected by the short-distance wireless communication mode by payer mobile phone or POS machine terminal;
The payer mobile phone terminal with connected by the short-distance wireless communication mode by payer mobile phone or POS machine terminal, this short-distance wireless communication mode is infrared, bluetooth, Wi-Fi or NFC etc.
S102: the payer mobile phone terminal is to being sent bank card account number information by payer mobile phone or POS machine terminal by short-range wireless communication link;
The Radio Link that the payer mobile phone terminal is set up by modes such as infrared, bluetooth, Wi-Fi or NFC is to being sent bank card account number information by payer mobile phone or POS machine terminal, and bank card account number information comprises information such as bank card number, the term of validity, holder name, address.
S103: handled the request of network transmission payment authorization by public network to bank card business dealing by payer mobile phone or POS machine terminal;
Handled network by mobile phone or POS machine terminal to bank card business dealing by payer and send the payment authorization request, the payment authorization request comprises information such as bank card number, the term of validity, holder name, address, payment.
S104: after bank card business dealing is handled the network processes related financial information, by public network to being sent Authorization result by payer mobile phone or POS machine terminal;
Bank card business dealing is handled network based described payment authorization request, carries out related financial information and handles, if handle successfully, authorizes successful information to being sent by payer, if handle failure, to being sent authorization failure information by payer.
Hand set paying method provided by the invention, payer mobile phone terminal and the link that is become POS machine terminal to set up by short-distance wireless communication modes such as infrared, bluetooth, Wi-Fi or NFC by the payer mobile phone transmit payment information, and handle network implementation by bank card business dealing and now authorize and pay; Utilize the short-distance wireless communication mode to transmit the payment information data, compare with existing mobile-phone payment pattern, on the one hand, bank card account number information can be transferred to automatically by in payer mobile phone or the POS machine terminal, reduce the artificial input information, reduced error probability, improved payment efficient; On the other hand, utilize modes such as infrared, bluetooth, Wi-Fi or NFC to transmit information, the payment both sides do not need to provide phone number, have protected individual privacy.
As shown in Figure 2, a kind of hand call payment system provided by the invention comprises: the payer mobile phone terminal, handled network by payer mobile phone or POS machine terminal and bank card business dealing; Wherein, the payer mobile phone terminal, be provided with short-range wireless communication module in payer mobile phone or the POS machine terminal.
Described payer mobile phone terminal wherein embeds the software and hardware that coupled system is arranged, and is used for sending bank card account number information to the link of being set up by the short-distance wireless communication mode by payer mobile phone or POS machine terminal;
Described by payer mobile phone or POS machine terminal, wherein embed the software and hardware that coupled system is arranged, be used to receive described bank card account number information, and handle the request of network transmission payment authorization to bank card business dealing;
Described bank card business dealing is handled network, receives described payment authorization request, processes related financial information, and result is sent to described by payer mobile phone or POS machine terminal.Bank card business dealing is handled network and referred to handle accounting processing system professional between different bank, and is concrete as Unionpay, VisaNet, Cardnet etc.Bank card business dealing carries out Trading Authorization and clearance by this network.
Described short-range wireless communication module is modules such as infrared, bluetooth, Wi-Fi or NFC, and described short-distance wireless communication mode is infrared, bluetooth, Wi-Fi or NFC etc.
Hand call payment system provided by the invention, described payer mobile phone terminal with connected by modes such as infrared, bluetooth, Wi-Fi or NFC by payer mobile phone or POS machine terminal, the payer mobile phone terminal is to being sent bank card account number information by payer mobile phone or POS machine terminal by modes such as infrared, bluetooth, Wi-Fi or NFC, and bank card account number information comprises information such as bank card number, the term of validity, holder name, address; Received described bank card account number information by payer mobile phone or POS machine terminal, handle network by the public network communication to bank card business dealing and send the payment authorization request, the payment authorization request comprises information such as bank card number, the term of validity, holder name, address, payment; Bank card business dealing is handled network and is received described payment authorization request, processes related financial information, and Authorization result is sent to described by payer mobile phone or POS machine terminal.
Hand call payment system provided by the invention, the Radio Link of being set up by modes such as infrared, bluetooth, Wi-Fi or NFC by payer receives payer bank card account number information, and handles network implementation by bank card business dealing and now authorize and pay; Utilize modes such as infrared, bluetooth, Wi-Fi or NFC to transmit the payment information data, compare with existing mobile-phone payment pattern, on the one hand, bank card account number information can be transferred to automatically by in payer mobile phone or the POS machine terminal, reduce the artificial input information, reduced error probability, improved payment efficient; On the other hand, utilize modes such as infrared, bluetooth, Wi-Fi or NFC to transmit information, the payment both sides do not need to provide phone number, have protected individual privacy.
The above; only be the specific embodiment of the present invention, but protection scope of the present invention is not limited thereto, anyly is familiar with those skilled in the art in the technical scope that the present invention discloses; the variation that can expect easily or replacement all should be encompassed within protection scope of the present invention.Therefore, protection scope of the present invention should be as the criterion with the protection domain that claim was defined.