CN101950453A - Novel mobile phone payment terminal-based payment method - Google Patents
Novel mobile phone payment terminal-based payment method Download PDFInfo
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Abstract
The invention provides a novel mobile phone payment terminal-based payment method. The payment function of a POS machine and the mobile phone function are integrated to form a mobile phone payment terminal to be used for card payment and communication without the POS machine and to be finally butted with various payment systems. Therefore, the payment function of various financial cards is realized.
Description
[technical field]
The present invention relates to a kind of method of payment based on the novel mobile phone payment terminal.
[background technology]
The body of present POS machine is all bigger, is applied to tangible consumption places such as supermarket, market usually, can not carry, and therefore be generally businessman and control, and non-consumer is controlled, and therefore for consumers, can not utilize the POS machine to pay whenever and wherever possible.In addition, present mobile phone is generally promoted, and almost staff is one one, and type is small and exquisite, carries easily.Therefore the current available handsets payment product of also developing successively in the industry:
Disclosed as 2005.02.16, publication number is the Chinese patent application of CN1581186, disclose a kind of hand call payment system and method, it comprises user mobile phone, mobile payment game server, Unionpay's mobile payment server, terminal interface processor for collecting money and mobile payment client application system of Unionpay, mobile payment game server application system, Unionpay's mobile security payment system.User mobile phone sends logon information and receiving feedback information for the client to mobile payment game server and Unionpay's mobile payment server; The mobile payment game server accepts the user mobile phone logon information and feedback is landed object information; Terminal interface processor for collecting money is provided by Unionpay or financial institution, is used for sending Transaction Information and receiving feedback information to Unionpay's mobile payment server; Unionpay's mobile payment server receives the Transaction Information of user mobile phone and terminal interface processor for collecting money transmission and sends feedback information to user mobile phone and terminal interface processor for collecting money.2005.03.09 is disclosed for another example, publication number is the Chinese patent application of CN1591439, a kind of system and method that uses brush mobile-phone payment bus-transit expense is disclosed, use the device systems of brush mobile-phone payment bus-transit expense to comprise: charging terminal, cell phone, settlement center, the mobile communication carrier charging center, charging terminal and cell phone and settlement center transmit signal data by cordless communication network, signal data is transmitted by cordless communication network in settlement center and mobile communication carrier charging center, charging terminal is by power supply, the charge equipment control terminal, anolog base station is formed, power supply connects the charge equipment control terminal respectively, anolog base station, the charge equipment control terminal is connected by interface with anolog base station.Method of payment is: cell phone agrees that to charge equipment control terminal enrollment status payment is used to buy nominal fees such as bus-transit ticket by anolog base station, and charging terminal is closed the account to the mobile communication carrier charging center by settlement center.And it is disclosed at 2007.02.28, publication number is the Chinese patent application of CN1921517, a kind of system that uses the expense of bought commodity by mobile phone is disclosed, it all is the system and method that utilizes mobile phone to pay, but present this payment, mobile phone only serves as original communication function, and filling apparatus such as the similar POS machine of needs are worked as main payment devices and are paid, or close the account by the mobile communication carrier charging center, therefore still can't realize the function of carry-on POS payment.
In addition, since mobile phone participates in payment, how to have realized secure payment, becoming is even more important, and as disclosed at 2009.09.30, publication number is the Chinese patent application of CN101546400, discloses a kind of method of carrying out mobile-phone payment with two-dimension code.During the wholesale payment, the user provides one group of password card of being made up of two-dimension code figure by bank in the application mobile-phone payment, the time standby mobile telephone scanning corresponding two-dimension code figure that the user confirms to conclude the business at every turn, cell phone software extracts corresponding password and sends to bank, finishes whole transaction.Adopt two-dimensional code recognition mode for payment, password is safer, is not easy to be cracked, thereby has guaranteed the safety of payment (especially wholesale payment).Disclosed at 2009.06.24 for another example, publication number is the Chinese patent application of CN101464982, discloses a kind of mobile phone payment authentication system and method based on audio frequency watermark.The present invention inserts mobile phone terminal by the private information with the mobile phone terminal user in the sound signal that bank server sends as watermark; And user's private information that will be somebody's turn to do as watermark at the bank server place extracts from the sound signal that contains watermark.Described watermark information is private informations such as mobile phone terminal user's Bank Account Number, account number cipher.In a preferred embodiment of this invention, as watermark information, perhaps mobile phone terminal and bank server have confirmation function upon voice print with the mobile phone ID of mobile phone terminal.Solved the mobile-phone payment safety problem of the extensive development of restriction mobile-phone payment.But present this secure payment mainly is that the mode by software realizes, mobile phone is still mainly born communication function and do not had the function of POS machine.
In sum, a kind of function also do not occur at present and be integrated in the mode of carrying out safe payment in the mobile phone the POS machine.
[summary of the invention]
The technical problem to be solved in the present invention is to provide a kind of method of payment based on the novel mobile phone payment terminal, so that a kind of secure payment mode of carrying to be provided.
The present invention is achieved in that a kind of method of payment based on the novel mobile phone payment terminal, it is the payment function of POS machine and cell-phone function to be become one form a mobile phone payment terminal, payment and mobile communication are used to swipe the card, need not to establish the POS machine in addition and finally dock, to realize the payment function of various fiscards with various payment systems.
Described mobile phones payment terminal has a card punching safety mechanism, and this card punching safety mechanism comprises a physical security holding circuit, safe processor and is integrated in fail-safe software on the safe processor; Described physical security holding circuit realizes the physical security mechanism of equipment; Described safe processor and fail-safe software thereof are responsible for the encryption of sensitive data and the control and the monitoring of physical security holding circuit.
Wherein, described method of payment is that described mobile phones payment terminal is directly finished the payment function of swiping the card with bank payment system or wireless butt joint of third party's payment system.When the described payment function of swiping the card is transferred account service, comprise the steps:
It is transferred account service that step 11, user select class of service at described mobile phones payment terminal; Step 12, the card reading slot that the fiscard of bank card or third party's payment system is inserted mobile phones payment terminal are swiped the card;
Step 13, input the transfer accounts amount of money and the other side's number of the account;
Step 14, mobile phones payment terminal show the transfer accounts amount of money and the other side's account information, and the user inputs the fiscard password of bank card or third party's payment system and confirms to conclude the business or return step 13 and re-enter;
Step 15, after the affirmation, mobile phones payment terminal shows Transaction Information, simultaneously with the fiscard card number of bank card or third party's payment system, the personal identification number that the fiscard of bank card or third party's payment system was handled through the described safety of payment encryption mechanism of swiping the card, the amount of money and the other side's account information of transferring accounts require to form the packet of certain format according to the financial industry relevant criterion, and sends to bank payment system or third party's payment system bank payment system or third party's payment system by wireless communication means and receive and the note of Transaction Information is sent to user mobile phone after handling and finish transaction.
The described payment function of swiping the card is a kind of net purchase when professional, comprises the steps:
Step 21, user carry out the net purchase service selection on PC, and generate net purchase service order number;
It is the net purchase business that step 22, user select class of service at described mobile phones payment terminal;
Step 23, input net purchase service order number;
Step 24, mobile phones payment terminal are confirmed the bank account information of the legitimacy of net purchase service order number and corresponding merchant by wireless communication means and bank payment system or third party's payment system and are consumed the amount of money or return step 23 and re-enter;
Step 25, the fiscard of bank card or third party's payment system is inserted the card reading slot of mobile phones payment terminal, and swipe the card;
After step 26, the affirmation, mobile phones payment terminal shows Transaction Information, simultaneously the fiscard of fiscard card number, bank card or third party's payment system of bank card or third party's payment system is required to form the packet of certain format through the personal identification number of encryption, the amount of money and the other side's account information of transferring accounts according to the financial industry relevant criterion, and send to bank payment system or third party's payment system bank payment system or third party's payment system by wireless communication means and receive and the note of Transaction Information is sent to user mobile phone after handling and finish transaction.
Wherein, described method of payment is that described mobile phones payment terminal is finished the payment function of swiping the card by PC with bank payment system or wireless butt joint of third party's payment system.When the described payment of swiping the card is the net purchase business, comprise the steps:
Step 31, user at PC by the network selecting commodity, following good order, and to select the modes of payments be the order payment, obtains order number;
Step 32, be connected with described PC by USB interface, and after described mobile phones payment terminal was successfully imported order, described mobile phones payment terminal promptly showed the amount of money of needs payment at described mobile phones payment terminal;
Step 33, the fiscard of bank card or third party's payment system is inserted the card reading slot of mobile phones payment terminal, and the password of the fiscard of input bank card or third party's payment system is confirmed;
After step 34, the affirmation, described mobile phones payment terminal shows Transaction Information, simultaneously the fiscard of fiscard card number, bank card or third party's payment system of bank card or third party's payment system is required to form the packet of certain format according to the financial industry relevant criterion through the personal identification number of encryption, the transfer accounts amount of money and the other side's account information, and send to banking system or third party's payment system by the network communications approach of PC, after banking system or third party's payment system receive and handle the note of Transaction Information is sent to user mobile phone and finish transaction.
The present invention has following advantage: it is the payment function of POS machine and cell-phone function to be become one form a mobile phone payment terminal, make full use of mobile communication function and powerful input function, easily finish with various payment systems and dock, to realize the payment function of various fiscards, fuselage is small and exquisite, be easy to carry, pay convenient and safe.
[description of drawings]
The present invention is further illustrated in conjunction with the embodiments with reference to the accompanying drawings.
Fig. 1 is the related a kind of mobile phones payment terminal hardware configuration synoptic diagram of the inventive method.
Fig. 2 is the related another kind of mobile phones payment terminal hardware configuration synoptic diagram of the inventive method.
Fig. 3 is the related a kind of mobile phones payment terminal software configuration synoptic diagram of the inventive method.
Fig. 4 is the Organization Chart of the different implementations of the inventive method.
[embodiment]
Method of payment based on mobile phone of the present invention, it is the payment function of POS machine and cell-phone function to be become one form a mobile phone payment terminal, be used to swipe the card payment and communication need not to establish the POS machine in addition and finally dock with various payment systems, to realize the payment function of various fiscards.As shown in Figure 1; the related a kind of mobile phones payment terminal hardware configuration of inventive method can comprise primary processor, safe processor, display screen, internal memory, wireless communication module, Speech Communication interface (comprising receiver, hands-free, microphone and headset etc.), keyboard, magnetic card card reading module, physical security holding circuit, extension storage card and USB interface.
Described safe processor, display screen, internal memory, wireless communication module, extension storage card and USB interface all are connected with primary processor; Described Speech Communication interface is connected with described wireless communication module; Described magnetic card card reading module, described physical security holding circuit and described keyboard all are connected with described safe processor.The function of its main functional modules is as follows:
Described primary processor is used for operational system level software, is responsible for the total system data processing; Described safe processor is responsible for the encryption of sensitive data, the control of various physical security holding circuits and monitoring; Described wireless communication module realizes that the communication between terminal device and the grid realizes the function of voice communication of equipment simultaneously; Described magnetic card card reading module is used to read bank card information; Described physical security holding circuit realizes the physical security mechanism of equipment.
Wherein, primary processor, display screen, internal memory, wireless communication module, Speech Communication interface, keyboard, extension storage card and USB interface are mobile module, safe processor, magnetic card card reading module, physical security holding circuit then are the POS functional module.
Described physical security holding circuit, safe processor and the fail-safe software that is integrated on the safe processor constitute a card punching safety mechanism, with the guarantee security of payment of swiping the card.
Again as shown in Figure 2; the present invention also can be integrated in the function of safe processor in the primary processor; said keyboard; display screen, internal memory, wireless communication module; magnetic card card reading module, physical security holding circuit and keyboard all are connected with this total processor; thereby realize the single-processor scheme, this single-processor scheme still can realize method of payment of the present invention.
Again as shown in Figure 3, the mobile phones payment terminal software configuration is: comprise mobile phone function module, a financial payment business module and a financial payment communication module, described cell-phone function module is used to realize all cell-phone functions, and described financial payment business module and financial payment communication module are used to finish the payment function of swiping the card of various fiscards.
It is in above-mentioned hardware and software basis, and as shown in Figure 4, method of payment of the present invention can adopt following machine mode to carry out:
Embodiment one
Described method of payment is that described mobile phones payment terminal is directly finished the payment function of swiping the card with bank payment system or wireless butt joint of third party's payment system.When the described payment function of swiping the card is transferred account service, comprise the steps:
It is transferred account service that step 11, user select class of service at described mobile phones payment terminal;
Step 12, the card reading slot that the fiscard of bank card or third party's payment system is inserted mobile phones payment terminal are swiped the card;
Step 13, input the transfer accounts amount of money and the other side's number of the account;
Step 14, mobile phones payment terminal show the transfer accounts amount of money and the other side's account information, and the user inputs the fiscard password of bank card or third party's payment system and confirms to conclude the business or return step 13 and re-enter;
After step 15, the affirmation, mobile phones payment terminal shows Transaction Information, simultaneously the fiscard password of fiscard card number, bank card or third party's payment system of bank card or third party's payment system, the transfer accounts amount of money and the other side's account information are sent to bank payment system or third party's payment system by wireless communication means, after bank payment system or third party's payment system receive and handle the note of Transaction Information is sent to user mobile phone and finish transaction.
Embodiment two
The described payment function of swiping the card is a kind of net purchase when professional, comprises the steps:
Step 21, user carry out the net purchase service selection on PC, and generate net purchase service order number;
It is the net purchase business that step 22, user select class of service at described mobile phones payment terminal;
Step 23, input net purchase service order number;
Step 24, mobile phones payment terminal are confirmed the bank account information of the legitimacy of net purchase service order number and corresponding merchant by wireless communication means and bank payment system or third party's payment system and are consumed the amount of money or return step 23 and re-enter;
Step 25, the fiscard of bank card or third party's payment system is inserted the card reading slot of mobile phones payment terminal, and swipe the card;
After step 26, the affirmation, mobile phones payment terminal shows Transaction Information, simultaneously the fiscard of fiscard card number, bank card or third party's payment system of bank card or third party's payment system is required to form the packet of certain format through the personal identification number of encryption, the amount of money and the other side's account information of transferring accounts according to the financial industry relevant criterion, and send to bank payment system or third party's payment system bank payment system or third party's payment system by wireless communication means and receive and the note of Transaction Information is sent to user mobile phone after handling and finish transaction.
Embodiment three
Described method of payment is that described mobile phones payment terminal is finished the payment function of swiping the card by PC with bank payment system or wireless butt joint of third party's payment system.When the described payment of swiping the card is the net purchase business, comprise the steps:
Step 31, user at PC by the network selecting commodity, following good order, and to select the modes of payments be the order payment, obtains order number;
Step 32, be connected with described PC by USB interface, and after described mobile phones payment terminal was successfully imported order, described mobile phones payment terminal promptly showed the amount of money of needs payment at described mobile phones payment terminal;
Step 33, the card reading slot that the fiscard of bank card or third party's payment system is inserted mobile phones payment terminal are swiped the card, and the password of the fiscard of input bank card or third party's payment system is confirmed;
After step 34, the affirmation, described mobile phones payment terminal shows Transaction Information, simultaneously the fiscard of fiscard card number, bank card or third party's payment system of bank card or third party's payment system is required to form the packet of certain format through the personal identification number of encryption, the amount of money and the other side's account information of transferring accounts according to the financial industry relevant criterion, and the network communications approach by PC sends to banking system or third party's payment system banking system or third party's payment system and receives and the note of Transaction Information is sent to user mobile phone after handling and finish transaction.
Claims (7)
1. method of payment based on the novel mobile phone payment terminal, it is characterized in that: it is the payment function of POS machine and cell-phone function to be become one form a mobile phone payment terminal, payment and mobile communication are used to swipe the card, need not to establish the POS machine in addition and finally dock, to realize the payment function of various fiscards with various payment systems.
2. a kind of method of payment according to claim 1 based on the novel mobile phone payment terminal, it is characterized in that: described mobile phones payment terminal has the safety of payment of swiping the card mechanism, and this safety of payment mechanism of swiping the card comprises a physical security holding circuit, safe processor and is integrated in fail-safe software on the safe processor; Described physical security holding circuit realizes the physical security mechanism of equipment; Described safe processor and fail-safe software thereof are responsible for the encryption of sensitive data and the control and the monitoring of physical security holding circuit.
3. a kind of method of payment based on the novel mobile phone payment terminal according to claim 2 is characterized in that: described method of payment is that described mobile phones payment terminal is directly finished the payment function of swiping the card with bank payment system or wireless butt joint of third party's payment system.
4. a kind of method of payment based on the novel mobile phone payment terminal according to claim 3 is characterized in that: when the described payment function of swiping the card is transferred account service, comprise the steps:
It is transferred account service that step 11, user select class of service at described mobile phones payment terminal;
Step 12, the card reading slot that the fiscard of bank card or third party's payment system is inserted mobile phones payment terminal are swiped the card;
Step 13, input the transfer accounts amount of money and the other side's number of the account;
Step 14, mobile phones payment terminal show the transfer accounts amount of money and the other side's account information, and the user inputs the fiscard password of bank card or third party's payment system and confirms to conclude the business or return step 13 and re-enter;
Step 15, after the affirmation, mobile phones payment terminal shows Transaction Information, simultaneously with the fiscard card number of bank card or third party's payment system, the personal identification number that the fiscard of bank card or third party's payment system was handled through the described safety of payment encryption mechanism of swiping the card, the amount of money and the other side's account information of transferring accounts requires to form the packet of certain format according to the financial industry relevant criterion, and send to bank payment system or third party's payment system by wireless communication means, after bank payment system or third party's payment system receive and handle the note of Transaction Information is sent to user mobile phone and finish transaction.
5. a kind of method of payment based on the novel mobile phone payment terminal according to claim 3 is characterized in that: the described payment function of swiping the card is a kind of net purchase when professional, comprises the steps:
Step 21, user carry out the net purchase service selection on PC, and generate net purchase service order number;
It is the net purchase business that step 22, user select class of service at described mobile phones payment terminal;
Step 23, input net purchase service order number;
Step 24, mobile phones payment terminal are confirmed the bank account information of the legitimacy of net purchase service order number and corresponding merchant by wireless communication means and bank payment system or third party's payment system and are consumed the amount of money or return step 23 and re-enter;
Step 25, the fiscard of bank card or third party's payment system is inserted the card reading slot of mobile phones payment terminal, and swipe the card;
After step 26, the affirmation, mobile phones payment terminal shows Transaction Information, simultaneously the fiscard of fiscard card number, bank card or third party's payment system of bank card or third party's payment system is required to form the packet of certain format according to the financial industry relevant criterion through the personal identification number of encryption, the transfer accounts amount of money and the other side's account information, and send to bank payment system or third party's payment system by wireless communication means, after bank payment system or third party's payment system receive and handle the note of Transaction Information is sent to user mobile phone and finish transaction.
6. a kind of method of payment based on the novel mobile phone payment terminal according to claim 1 and 2 is characterized in that: described method of payment is that described mobile phones payment terminal is finished the payment function of swiping the card by PC with bank payment system or wireless butt joint of third party's payment system.
7. a kind of method of payment based on the novel mobile phone payment terminal according to claim 6 is characterized in that: when the described payment of swiping the card is the net purchase business, comprise the steps:
Step 31, user at PC by the network selecting commodity, following good order, and to select the modes of payments be the order payment, obtains order number;
Step 32, be connected with described PC by USB interface, and after described mobile phones payment terminal was successfully imported order, described mobile phones payment terminal promptly showed the amount of money of needs payment at described mobile phones payment terminal;
Step 33, the fiscard of bank card or third party's payment system is inserted the card reading slot of mobile phones payment terminal, and the password of the fiscard of input bank card or third party's payment system is confirmed;
After step 34, the affirmation, described mobile phones payment terminal shows Transaction Information, simultaneously the fiscard of fiscard card number, bank card or third party's payment system of bank card or third party's payment system is required to form the packet of certain format according to the financial industry relevant criterion through the personal identification number of encryption, the transfer accounts amount of money and the other side's account information, and send to banking system or third party's payment system by the network communications approach of PC, after banking system or third party's payment system receive and handle the note of Transaction Information is sent to user mobile phone and finish transaction.
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