CN102136170A - Mobile payment device - Google Patents
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- CN102136170A CN102136170A CN2011100011233A CN201110001123A CN102136170A CN 102136170 A CN102136170 A CN 102136170A CN 2011100011233 A CN2011100011233 A CN 2011100011233A CN 201110001123 A CN201110001123 A CN 201110001123A CN 102136170 A CN102136170 A CN 102136170A
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Abstract
The invention discloses a mobile payment device which is connected with a mobile terminal by the peripheral interface of the mobile terminal. The mobile payment device comprises a close-range identification module, a security chip module and a connection processing module, wherein the close-range identification module reads radio-frequency payment information and is connected with an antenna; the security chip module stores payment account information; when the balance in the payment account becomes insufficient, the mobile terminal is connected with a bank network to recharge; the connection processing module is respectively connected with the mobile terminal, the close-range identification module and the security chip module; the radio-frequency payment information is read for authentication; and mobile payment is carried out via the mobile terminal network by the payment account. The mobile payment device disclosed by the invention can be directly and peripherally connected to the mobile terminal to realize mobile payment function under the condition that a mobile chip does not need to be rebuilt, thereby bringing great convenience for users.
Description
Technical field
The present invention relates to the mobile-phone payment field, specially refer to a kind of mobile payment device.
Background technology
Mobile-phone payment is also referred to as mobile payment (Mobile Pavment), is to allow the mobile subscriber to use its portable terminal (normally mobile phone) that a kind of method of service that account is paid is carried out in the commodity or the service of being consumed.Behind the payment of card class, network payment, mobile-phone payment becomes the new lover, and domestic operation commercial city has been strengthened the investment on mobile-phone payment now.
In the prior art, can carry out the mobile phone of mobile-phone payment, need transform the chip for cell phone framework.By in chip for cell phone, increasing corresponding module, could make that mobile phone possesses payment function with payment function.Promptly hold user's needs of mobile phone now and buy the mobile phone that possesses payment function again, could use mobile-phone payment to consume.So, improved the cost that the user uses the mobile-phone payment function, brought very big inconvenience to the user.
Summary of the invention
Fundamental purpose of the present invention by being external to portable terminal, realizes mobile payment, to providing convenience property of user for a kind of mobile payment device is provided.
The present invention proposes a kind of mobile payment device, and described mobile payment device is connected with portable terminal by the Peripheral Interface of portable terminal; Described mobile payment device comprises:
Closely identification module carries out the radio frequency payment information and reads; The setting of described closely identification module is connected with antenna;
The safety chip module, storage payment account information; And, when Sorry, your ticket has not enough value in described payment account, connect bank network by portable terminal and supplement with money;
The connection processing module is respectively with described portable terminal, closely identification module and safety chip module are connected; Read described radio frequency payment information and authenticate,, utilize payment account to carry out mobile payment by mobile terminal network.
Preferably, described safety chip module further comprises:
The account sub module stored is stored payment account information and is used described payment account to pay;
Supplement submodule with money, when Sorry, your ticket has not enough value in described payment account, connect bank network by portable terminal and supplement with money, realize electronic purse function.
Preferably, described account sub module stored specifically comprises:
Use described payment account to pay by identification module closely.
Preferably, described connection processing module further comprises:
The connexon module is connected communication by Peripheral Interface with portable terminal;
Processing sub is respectively with described connexon module, closely identification module and safety chip module are connected; Read described radio frequency payment information and authenticate,, utilize payment account to carry out mobile payment by mobile terminal network.
Preferably, described Peripheral Interface comprises:
Micro USB interface, Mini USB or Micro SD interface.
Preferably, described closely identification module is the NFC module.
Preferably, described device also comprises:
The high capacity memory module is connected with the connection processing module, storage user's high capacity information.
Mobile payment device of the present invention can be external to portable terminal, is not needing under the situation that chip for cell phone is transformed again, realizes mobile payment function, to bringing great convenience property of user.
Description of drawings
Fig. 1 is the structural representation of an embodiment of mobile payment device of the present invention;
Fig. 2 is the structural representation of another embodiment of mobile payment device of the present invention.
The realization of the object of the invention, functional characteristics and advantage will be in conjunction with the embodiments, are described further with reference to accompanying drawing.
Embodiment
Should be appreciated that specific embodiment described herein only in order to explanation the present invention, and be not used in qualification the present invention.
With reference to Fig. 1, an embodiment of a kind of mobile payment device 20 of the present invention is proposed.This mobile payment device 20 is connected with portable terminal 10 by the Peripheral Interface 11 of portable terminal 10; This mobile payment device 20 comprises:
Closely identification module 21, carry out the radio frequency payment information and read; Described closely identification module 21 is provided with and is connected with antenna 24;
Above-mentioned portable terminal 10 can be mobile phone and palm PC (PDA) etc. usually.The Peripheral Interface 11 of above-mentioned portable terminal 10 can comprise: Micro USB interface, Mini USB or Micro SD interface etc.Above-mentioned closely identification module 21 can be NFC (Near Field Communication, near field communication (NFC)) module.
Above-mentioned mobile payment device 20 reads the radio-frequency information of payment by the NFC module; Utilize 23 pairs of these radio-frequency informations of connection processing module to read again and authentication etc., confirm payment information in this radio-frequency information etc.; Then, the prompting user whether payment account in the chip module safe in utilization 22 pays, and this prompting can show in portable terminal 10; When the user confirms to use this payment account payment, finish payment by portable terminal 10 networks; Otherwise, finish.This mobile payment device 20 communicates by connection processing module 23 with portable terminal 10.
The product that above-mentioned mobile payment device 20 can be designed to portable (such as the design of U shield formula), peripheral hardware as portable terminals such as mobile phone 10, be connected communication by Peripheral Interfaces 11 such as Micro USB interface, Mini USB or Micro SD interfaces with portable terminals 10 such as mobile phones, do not needing under the situation that chip for cell phone is transformed again, realize mobile payment function, to bringing great convenience property of user.And, because its portable design brings inconvenience for carrying of user.
With reference to Fig. 2, another embodiment of a kind of mobile payment device 60 of the present invention is proposed.This mobile payment device 60 is connected with portable terminal 50 by the Peripheral Interface 51 of portable terminal 50; This mobile payment device 60 comprises:
Closely identification module 61, carry out the radio frequency payment information and read; Described closely identification module 61 is provided with and is connected with antenna;
Above-mentioned portable terminal 50 can be mobile phone and palm PC (PDA) etc. usually.The Peripheral Interface 51 of above-mentioned portable terminal 50 can comprise: Micro USB interface, Mini USB or Micro SD interface etc.Above-mentioned closely identification module 61 can be NFC (Near Field Communication, near field communication (NFC)) module.
Above-mentioned safety chip module 62 further comprises account sub module stored 621 and supplements submodule 622 with money; The account sub module stored 621, storage payment account information and use this payment account to pay; This supplements submodule 622 with money, when Sorry, your ticket has not enough value in described payment account, connects bank network by portable terminal 50 and supplements with money, realizes electronic purse function.After this electronic purse function is and supplements with money in above-mentioned payment account, can directly use this payment account to carry out respective pay (being the offline electronic payment function).Simultaneously, above-mentioned payment account also can be by the online payment function of account sub module stored 621 realizations.In this on-line payment function, 62 of above-mentioned safety chip modules realize functions such as authentication and signature, and concrete payment can realize in corresponding bank account by bank network.
Above-mentioned account sub module stored 621 specifically comprises: use above-mentioned payment account to pay by identification module closely 61.The account, sub module stored 621 can use this payment account to carry out the offline electronic payment of limit, and this offline electronic payment can be realized by identification module 61 closely.(bankcard consumption of similar mass transit card)
Above-mentioned connection processing module 63 further comprises connexon module 631 and processing sub 632; This connexon module 631 is connected communication by Peripheral Interface 51 with portable terminal 50; This processing sub 632 is respectively with described connexon module 631, closely identification module 61 and safety chip module 62 are connected; Read described radio frequency payment information and authenticate,, utilize payment account to carry out mobile payment by portable terminal 50 networks.
The above-mentioned submodule 622 of supplementing with money can be connected with above-mentioned account sub module stored 621, read the payment account information of its storage, when Sorry, your ticket has not enough value in above-mentioned payment account, the prompting user supplemented with money, after the user confirms to supplement with money, connect the Internet bank by portable terminal 50 and supplement with money.The account, Sorry, your ticket has not enough value can be the transaction well afoot, and account balance is not enough to finish this time transaction; Also can be to the default remaining sum threshold value of this payment account, when the remaining sum of payment account was lower than this default remaining sum threshold value, the prompting user need supplement with money etc.So, can in time remind user's account charging of paying, avoid since payment account Sorry, your ticket has not enough value causes the inconvenience of Fail Transaction.
Above-mentioned mobile payment device 60 also comprises antenna 64, is connected with identification module 61 closely, is used for auxiliary above-mentioned closely identification module 61 and carries out signal and receive.
Above-mentioned mobile payment device 60 also comprises: high capacity memory module 65 is connected storage user's high capacity information with connection processing module 63.This high capacity information can be audio/video information etc.
Above-mentioned mobile payment device 60 reads the radio-frequency information of payment by the NFC module; Utilize 632 pairs of these radio-frequency informations of processing sub to read again and authentication etc., confirm payment information in this radio-frequency information etc.; Then, the payment account whether the prompting user accesses to your account in the sub module stored 621 is paid, and this prompting can show in portable terminal 50; When the user confirms to use the payment of this payment account, finish payment by portable terminal 50 networks, and at this payment account when Sorry, your ticket has not enough value, the prompting user connects the Internet banks by portable terminal 50 and supplements with money; Otherwise, finish.This mobile payment device 60 communicates by connexon module 631 with portable terminal 50.
The product that above-mentioned mobile payment device 60 can be designed to portable (such as the design of U shield formula), peripheral hardware as portable terminals such as mobile phone 50, be connected communication by Peripheral Interfaces 51 such as Micro USB interface, Mini USB or Micro SD interfaces with portable terminals 50 such as mobile phones, do not needing under the situation that chip for cell phone is transformed again, realize mobile payment function, to bringing great convenience property of user.And, because its portable design brings inconvenience for carrying of user.Simultaneously, can be when Sorry, your ticket has not enough value at above-mentioned payment account, the prompting user connects the Internet banks to this payment account by portable terminal 50 and supplements with money.
The above only is the preferred embodiments of the present invention; be not so limit claim of the present invention; every equivalent structure or equivalent flow process conversion that utilizes instructions of the present invention and accompanying drawing content to be done; or directly or indirectly be used in other relevant technical fields, all in like manner be included in the scope of patent protection of the present invention.
Claims (7)
1. a mobile payment device is characterized in that, described mobile payment device is connected with portable terminal by the Peripheral Interface of portable terminal; Described mobile payment device comprises:
Closely identification module carries out the radio frequency payment information and reads; The setting of described closely identification module is connected with antenna;
The safety chip module, storage payment account information; And, when Sorry, your ticket has not enough value in described payment account, connect bank network by portable terminal and supplement with money;
The connection processing module is respectively with described portable terminal, closely identification module and safety chip module are connected; Read described radio frequency payment information and authenticate,, utilize payment account to carry out mobile payment by mobile terminal network.
2. mobile payment device according to claim 1 is characterized in that, described safety chip module further comprises:
The account sub module stored is stored payment account information and is used described payment account to pay;
Supplement submodule with money, when Sorry, your ticket has not enough value in described payment account, connect bank network by portable terminal and supplement with money, realize electronic purse function.
3. mobile payment device according to claim 2 is characterized in that, described account sub module stored specifically comprises:
Use described payment account to pay by identification module closely.
4. mobile payment device according to claim 1 is characterized in that, described connection processing module further comprises:
The connexon module is connected communication by Peripheral Interface with portable terminal;
Processing sub is respectively with described connexon module, closely identification module and safety chip module are connected; Read described radio frequency payment information and authenticate,, utilize payment account to carry out mobile payment by mobile terminal network.
5. according to each described mobile payment device in the claim 1 to 4, it is characterized in that described Peripheral Interface comprises:
Micro USB interface, Mini USB or Micro SD interface.
6. according to each described mobile payment device in the claim 1 to 4, it is characterized in that described closely identification module is the NFC module.
7. according to each described mobile payment device in the claim 1 to 4, it is characterized in that described device also comprises:
The high capacity memory module is connected with the connection processing module, storage user's high capacity information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011100011233A CN102136170A (en) | 2011-01-05 | 2011-01-05 | Mobile payment device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011100011233A CN102136170A (en) | 2011-01-05 | 2011-01-05 | Mobile payment device |
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| CN102136170A true CN102136170A (en) | 2011-07-27 |
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Cited By (21)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN102324140A (en) * | 2011-10-11 | 2012-01-18 | 上海公共交通卡股份有限公司 | Trading terminal |
| CN102496223A (en) * | 2011-11-30 | 2012-06-13 | 钱袋网（北京）信息技术有限公司 | Short-distance on-site payment equipment and system |
| WO2012151894A1 (en) * | 2011-08-08 | 2012-11-15 | 中兴通讯股份有限公司 | Mobile terminal payment method and system, and mobile terminal |
| CN102881078A (en) * | 2012-09-03 | 2013-01-16 | 东信和平科技股份有限公司 | Mobile payment reading head and mobile payment device based on mini universal serial bus (USB) interface |
| CN103020824A (en) * | 2012-12-18 | 2013-04-03 | 深圳市金立通信设备有限公司 | Mobile payment method and device |
| CN103049946A (en) * | 2012-08-27 | 2013-04-17 | 深圳中科讯联科技有限公司 | External equipment |
| CN103152468A (en) * | 2011-12-07 | 2013-06-12 | 国民技术股份有限公司 | Mobile terminal and mobile payment implement method |
| CN103606231A (en) * | 2013-10-30 | 2014-02-26 | 苏州朗昇通信科技有限公司 | Near field payment apparatus and system thereof |
| CN103606230A (en) * | 2013-10-12 | 2014-02-26 | 夏恩慕 | Mobile terminal main board and mobile terminal |
| CN103679531A (en) * | 2012-09-25 | 2014-03-26 | 动信科技股份有限公司 | Mobile financial transaction system and method for the same |
| CN103685211A (en) * | 2012-09-26 | 2014-03-26 | 凤凰云科技（北京）有限公司 | Mobile terminal plug-in secure payment authentication device, mobile terminal secure payment authentication system and mobile terminal secure payment authentication method |
| CN104268754A (en) * | 2014-09-19 | 2015-01-07 | 谭希妤 | USB flash disk digital certificate with NFC POS |
| CN104753571A (en) * | 2013-12-31 | 2015-07-01 | 国民技术股份有限公司 | Terminal and method for near field communication |
| CN104898410A (en) * | 2014-03-05 | 2015-09-09 | 国民技术股份有限公司 | Intelligent watch and recharging method thereof |
| CN105590201A (en) * | 2015-04-23 | 2016-05-18 | 中国银联股份有限公司 | Mobile payment device and mobile payment system |
| CN106157020A (en) * | 2015-04-17 | 2016-11-23 | 杨建纲 | Method of mobile payment and mobile payment device |
| WO2017008732A1 (en) * | 2015-07-13 | 2017-01-19 | 腾讯科技（深圳）有限公司 | Manageable object processing method and device |
| CN107134021A (en) * | 2017-03-18 | 2017-09-05 | 深圳市欧乐在线技术发展有限公司 | A kind of ETC devices for supporting wireless payment |
| CN112042131A (en) * | 2018-04-23 | 2020-12-04 | 环汇系统有限公司 | System and method for near field communication reader device |
| CN112714921A (en) * | 2018-09-18 | 2021-04-27 | 比邻系统株式会社 | Real-time recharge payment system, real-time recharge payment device, real-time recharge payment method, and real-time recharge payment program |
| CN112785783A (en) * | 2021-01-20 | 2021-05-11 | 广州乐摇摇信息科技有限公司 | Mobile payment mainboard chip for pedicure machine |
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| WO2012151894A1 (en) * | 2011-08-08 | 2012-11-15 | 中兴通讯股份有限公司 | Mobile terminal payment method and system, and mobile terminal |
| CN102324140A (en) * | 2011-10-11 | 2012-01-18 | 上海公共交通卡股份有限公司 | Trading terminal |
| CN102496223A (en) * | 2011-11-30 | 2012-06-13 | 钱袋网（北京）信息技术有限公司 | Short-distance on-site payment equipment and system |
| CN103152468A (en) * | 2011-12-07 | 2013-06-12 | 国民技术股份有限公司 | Mobile terminal and mobile payment implement method |
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| CN102881078A (en) * | 2012-09-03 | 2013-01-16 | 东信和平科技股份有限公司 | Mobile payment reading head and mobile payment device based on mini universal serial bus (USB) interface |
| CN102881078B (en) * | 2012-09-03 | 2014-11-26 | 东信和平科技股份有限公司 | Mobile payment reading head and mobile payment device based on mini universal serial bus (USB) interface |
| CN103679531A (en) * | 2012-09-25 | 2014-03-26 | 动信科技股份有限公司 | Mobile financial transaction system and method for the same |
| CN103685211A (en) * | 2012-09-26 | 2014-03-26 | 凤凰云科技（北京）有限公司 | Mobile terminal plug-in secure payment authentication device, mobile terminal secure payment authentication system and mobile terminal secure payment authentication method |
| CN103685211B (en) * | 2012-09-26 | 2017-02-08 | 凤凰云科技（北京）有限公司 | Mobile terminal plug-in secure payment authentication device, mobile terminal secure payment authentication system and mobile terminal secure payment authentication method |
| CN103020824B (en) * | 2012-12-18 | 2017-09-12 | 深圳市金立通信设备有限公司 | A kind of method and device of mobile payment |
| CN103020824A (en) * | 2012-12-18 | 2013-04-03 | 深圳市金立通信设备有限公司 | Mobile payment method and device |
| CN103606230A (en) * | 2013-10-12 | 2014-02-26 | 夏恩慕 | Mobile terminal main board and mobile terminal |
| CN103606231A (en) * | 2013-10-30 | 2014-02-26 | 苏州朗昇通信科技有限公司 | Near field payment apparatus and system thereof |
| CN104753571A (en) * | 2013-12-31 | 2015-07-01 | 国民技术股份有限公司 | Terminal and method for near field communication |
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| CN104898410A (en) * | 2014-03-05 | 2015-09-09 | 国民技术股份有限公司 | Intelligent watch and recharging method thereof |
| CN104268754A (en) * | 2014-09-19 | 2015-01-07 | 谭希妤 | USB flash disk digital certificate with NFC POS |
| CN106157020A (en) * | 2015-04-17 | 2016-11-23 | 杨建纲 | Method of mobile payment and mobile payment device |
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| WO2017008732A1 (en) * | 2015-07-13 | 2017-01-19 | 腾讯科技（深圳）有限公司 | Manageable object processing method and device |
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| CN107134021A (en) * | 2017-03-18 | 2017-09-05 | 深圳市欧乐在线技术发展有限公司 | A kind of ETC devices for supporting wireless payment |
| CN112042131A (en) * | 2018-04-23 | 2020-12-04 | 环汇系统有限公司 | System and method for near field communication reader device |
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| CN112714921A (en) * | 2018-09-18 | 2021-04-27 | 比邻系统株式会社 | Real-time recharge payment system, real-time recharge payment device, real-time recharge payment method, and real-time recharge payment program |
| CN112785783A (en) * | 2021-01-20 | 2021-05-11 | 广州乐摇摇信息科技有限公司 | Mobile payment mainboard chip for pedicure machine |
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Application publication date: 20110727 |