CN102184498A - Free payment transaction mode of mobile Internet - Google Patents
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- CN102184498A CN102184498A CN201110137743XA CN201110137743A CN102184498A CN 102184498 A CN102184498 A CN 102184498A CN 201110137743X A CN201110137743X A CN 201110137743XA CN 201110137743 A CN201110137743 A CN 201110137743A CN 102184498 A CN102184498 A CN 102184498A
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Abstract
The invention provides an on-site payment transaction mode of the mobile Internet, which belongs to the technical fields of software, mobile communication, Internet, 3G, mobile Internet, intelligent mobile phones and bar code scanning. The technical problem to be solved by the invention is that: a near-field communication technology is adopted for the present point of sale (POS) machine payment and the mobile payment of banks, however, the near-field payment technical standards are unified so far; a POS terminal is expensive, is hard to popularize, and causes many troubles for the payment promotion and brings difficulties to user payment, so that the POS terminal is not beneficial to commodity transaction. The invention aims to realize the free payment by using the mobile Internet technology, the software technology, the mobile communication technology and the like rather than the near-field communication technology and the POS machine. The key point of the technical scheme provided by the invention is that: all the transactional functions, such as merchant number identification, user identity information identification, man-machine interaction, safe communication, transaction status display, transaction process control and the like are realized mainly through using the mobile Internet technology, the software technology, a terminal technology, an encrypted communication technology, a cloud technology, a security technology and the like.
Description
Technical field
Mobile Internet free payment trade mode is the payment transaction mode that adopts the mobile Internet software application technology and the network communications technology to realize, mobile Internet free payment trade mode is a kind of new transaction payment pattern in mobile Internet epoch, and user or businessman (trade company) portable terminal or the mobile Internet free payment client transaction software that provides of PC terminal downloads transactional services provider (SP) a kind of method of service that the account payment is carried out in the commodity consumed or service at oneself promptly is provided.
Mobile Internet free payment trade mode is that the mobile Internet value-added service is used.Mobile Internet free payment trade mode will be set up a payment account related with its phone number for each user, for the mobile subscriber provides an approach that carries out transaction payment and authentication by mobile phone, also for each trade company makes up an account, for trade company carries out authentication and transaction use.The client transaction software that user (perhaps trade company) provides by use transactional services provider (SP) inserts mobile Internet free payment transaction system and concludes the business, mobile Internet free payment transaction system will be finished the relationship trading action, and transaction results is fed back to user and trade company.Way of paying can realize by number of ways, and as directly changing bank, subscriber phone bill or debit on special-purpose account of advances in real time over to, these all will be finished by mobile Internet as seen payment system.
Mobile Internet free payment trade mode is not swiped the card owing to without the POS machine, so irrelevant with mobile payment and relevant mobile payment standard.The payment of the near field of mobile payment (mobile-phone payment) is a payment mode of utilizing the near-field communication technology to realize, the payment of so-called near field be exactly with the mode of mobile phone card-brushing by bus, do shopping etc.The standard of near field payment at present disunity has caused a lot of puzzlements for relevant popularization.The formulation work of mobile payment standard continued more than 3 years, and is still undetermined.
Background technology
Payment at present mainly contains two kinds of patterns
1, bank POS machine payment mode
The POS machine that trade company has bank to provide, the user uses bank card, the pattern of concluding the business by the mode of swiping the card, this pattern POS machine is installed in trade company's side, the POS machine approximately needs about 3000 yuan, the built-in trade company of POS machine number, the trade company's fund number of the account in the corresponding banking system; The user uses the POS machine to swipe the card, and the POS machine is delivered to transaction processing system with trade company number, credit card account, user cipher, dealing money, authentication, verifies and process of exchange that the fund of finishing transfers from the customer account to the merchant account; Fig. 1 has described the bank POS machine trade mode.
The pattern of 2, mobile payment (near field payment)
The payment of mobile payment and bank POS is the same, also needs to use the POS machine, and the POS machine is installed in trade company's side equally, the also built-in trade company of fuselage number, the trade company's fund number of the account in the opposite rear end payment transaction system; The user uses mobile phone UIM card (perhaps SIM card, usim card) to carry out the POS induction and swipes the card, the induction back POS machine of swiping the card is delivered to disposal system with trade company number, mobile phone card IMSI number (subscription authentication), user cipher, dealing money equally, and authentication is also verified and process of exchange that the fund of finishing transfers from the customer account to the merchant account; Fig. 2 has represented the mobile payment pattern.
3, current employing POS machine is paid the problem that faces
The payment of mobile payment and bank POS machine does not have essential distinction realization flow and user aspect using in the current payment mode, and business development mainly faces the difficulty of three aspects:
(1) all adopt the near-field communication technology, need to use the POS machine, the POS machine is very expensive, the input cost height, and all trade companies, the hotel owner need buy or rent the POS machine could provide payment transaction for the user, otherwise can only pay in cash;
(2) mobile payment POS machine and the POS of Unionpay machine are because the technical standard disunity wouldn't be compatible; Therefore trade company may need to install a plurality of POS machines, and this is the increase of social cost, also is unfavorable for the consumer, because cost can finally be married again on one's body the consumer;
(3) deficiency of mobile payment: the mobile payment user need go to the telecom operators business hall to change specific phone UIM card (perhaps SIM card, usim card) again, the compatibility of present this card is still waiting to improve, because cell phone rear cover will be if metal will have influence on the success or not of swiping the card;
Summary of the invention
1, mobile Internet has been given the chance of our an innovation payment mode
The intelligent terminal development is rapid, and terminal application software is freely expanded, the application software technology fast development; Terminal shooting, terminal scanning recognition technology are ripe; The access scope and the load-bearing capacity of mobile Internet are greatly improved; The communication technology, the safety technique of mobile Internet develop rapidly;
2, mobile Internet free payment trade mode is mainly invented
2.1, mobile Internet free payment transaction terminal pattern new invention
Mobile Internet free payment transaction terminal constitutes: the client transaction software adds that mobile Internet cellphone terminals or PC terminal substitute the terminal that POS becomes the transaction of mobile Internet free payment, finish the function of all POS machines such as trade company's number identification, user profile identification, man-machine interaction, transaction communications, security control.Mobile Internet free payment transactional services end software is finished process of exchange control.Fig. 3 represents mobile Internet free payment transaction terminal invention diagram.
2.2, mobile Internet free payment participant implementation invention
The participant of mobile Internet free payment has the three parts, comprises trade company, user, payment services merchant (SP such as bank or telecommunications), and the invention of participant's implementation is as follows:
Trade company number is reduced to a two-dimension code, bar code or a string character string, becomes disclosed coding, can be placed in the trade company Anywhere, for example sticks on the dining table or on the wall, uses when making things convenient for the user to pay.Trade company is coded in the corresponding corresponding merchant account coding in SP place.
User profile just can show with telephonedirectory directly that telephone number becomes user's payment account coding at the SP place.Simultaneously, in the phonecard relevant IMSI number, AK sign indicating number etc. are guaranteed secure communication and Secure Transaction as user authentication information.
Fig. 4: mobile Internet free payment participant implementation--trade company's coded system invention
2.3, mobile Internet free payment man-machine interaction mode new invention
Mobile Internet free payment transaction client software provides new man-machine interaction mode, when transaction, need be with input transaction terminals such as merchant information, user profile, dealing money, the present invention can be by terminal transaction software startup mobile phone terminal Figure recognition, bar code scan etc. carry out bar code scanning, two-dimension code scans and obtains " trade company's coding ", also can import relevant information by hand, it is very convenient to operate, and very easily promotes the use of.Fig. 5: mobile Internet free payment man-machine interaction mode new invention; Fig. 6: mobile payment and mobile Internet free payment relatively illustrate
3, mobile Internet free payment trade mode technical scheme
3.1, the formation of mobile Internet free payment trade mode
Constituting of mobile Internet free payment trade mode by following several respects:
Client: the mobile Internet free payment transaction software client that client's mobile phone, transactional services provider (SP) provide;
Trade company's end: the mobile Internet free payment transaction software trade company end (mobile phone version or PC version) that trade company's mobile phone or the PC of trade company, transactional services provider (SP) provide;
Transactional services provider (SP): transaction software server end, banking system, other assistant softwares, interface or the like;
Also need mobile communications network or fixed broadband network etc. in addition; The client transaction software is installed on mobile phone or the PC, and service end is deployed in transactional services provider (SP) side, between by cryptographic protocol communications such as SSL, the mobile Internet by telecom operators carries out transaction communications; The corresponding client's of client's phone number fund account, transactional services provider (SP) distributes trade company's coding to trade company, simultaneously the trade company's fund account of corresponding trade company at transactional services provider (SP) of encoding; Fig. 7 has described the formation framework of mobile Internet free payment trade mode.
3.2, mobile Internet free payment transaction flow
When utilizing the mobile Internet free payment to conclude the business, user or trade company use the mobile phone (perhaps PC) of oneself to move the free payment client transaction software that has been installed on the mobile phone, trade company's coding that can use smart mobile phone scanning trade company to provide, the perhaps manual trade company's coding of importing, the free payment transaction software will be automatically trade company's coding and user mobile phone number (user's fund account just), user's payment cipher, payment amount etc. are passed to the trading server end by mobile Internet, service end is finished funds transfer through after the authentication verification, and feedback trading situation, finish whole transaction, simultaneously, trade company and user can inquire account balance separately by transaction software separately.Fig. 8: mobile Internet free payment trade mode transaction flow figure
Embodiment
Mobile Internet free payment trade mode is specifically paid scene to be had multiple, whole payment process is relevant with the configuration of user mobile phone and PC, and the user uses three kinds of modes such as the mobile phone of trade company or PC client transaction software when mainly being divided into smart mobile phone (support install client transaction software), non intelligent mobile phone (not supporting to install applications), payment with mobile phone.
1, the operator scheme and the flow process of smart mobile phone payment
Smart mobile phone is installed the mobile Internet free payment client transaction software that SP provides, the user is by camera scanning bar code, two-dimension code, perhaps manual input relevant information, conclude the business, this mode will become a kind of fashion and trend along with intelligent terminal user's continuous increase will become more and more popular.Fig. 9 mobile Internet free payment scene 1: smart mobile phone transaction synoptic diagram.
2, the operator scheme of non intelligent mobile-phone payment and flow process
Though non intelligent mobile phone is not expanded the ability of payment application software, but can upgrade the UIM card by the mode of OTA and use (the card that needs support OTA standard, but do not want RFID-UIM), it is possessed and the mutual ability of backstage payment system by the note carrying, all like this mobile phones can both possess paying ability, and the UIM card is provided by the mobile Internet free payment client transaction software that is provided by SP exactly.Figure 10 mobile Internet free payment scene 2: non intelligent mobile phone transaction synoptic diagram.
3, the mobile Internet free payment PC of the trade company version client (the perhaps mobile phone version client of trade company) of using SP the to provide operator scheme and the flow process of paying
The client is not with mobile phone, also can use the mobile Internet free payment trade company end transaction software PC version (the perhaps mobile phone version of trade company) that is provided by SP to conclude the business, as long as the client is own account number, payment cipher and the payment amount of input: Figure 11 mobile Internet free payment scene 3: the terminal of the use trade company synoptic diagram of concluding the business.The contrast of mobile Internet free payment trade mode and bank POS payment, mobile payment, Alipay pattern is not difficult to find from the contrast of business development key elements such as " range of application, cost of investment, use threshold, popularization difficulty ", late comer as payment market, mobile Internet free payment pattern has great impetus to social ecommerce, information-based application etc., can realize free payment.
The value of mobile Internet free payment trade mode
Greatly reduced social cost
Do not need for the POS machine drops into substantial contribution, only need just to promote mobile Internet free payment transaction system for each businessman two-dimension code of unique distribution;
Greatly facilitate the client
The client does not need to change card, only needs to install SP payment client terminal software or upgrade UIM card application menu to get final product;
Very easily popularization and application
As long as mobile phone, PC are arranged, have network just can finish payment; Each mobile phone can free payment.
Very easily promote the growth of ecommerce, improve social efficiency, reduce social transaction cost, promote social progress.
Instructions finishes in full
Claims (1)
1. the technical characterictic of mobile Internet free payment trade mode invention: the present invention has adopted software engineering, mobile Internet technology, communication of mobile terminal technology, wireless communication technology, wireless broadband communication technology, the cable broadband communication technology, encryption technology, portable terminal technology, scanning technique etc. to realize transaction payment; do not adopt the near-field communication technology in the mobile payment to realize payment transaction; for this reason, need ask for protection following technical scheme, pattern or method:
1, mobile Internet free payment trade mode invention: promptly use mobile phone terminal, the PC terminal, on mobile phone terminal or PC terminal, install and use the client payment transaction software that transactional services provider (SP) provides, trade company's end payment transaction software, and carry out transaction communications by mobile Internet, and the pattern of the backstage service end transaction system that provides through the SP Whole Process Control of concluding the business, include but not limited to: in the registered user of SP place account, the enrolled merchant account, on user mobile phone terminal, carry out the dialogue of negotiator's machine, the input merchant information, the input user account information, the input dealing money, operations such as input trading password, and carry out authentication to the payment system of rear end SP by wireless or cable network, the transaction money is transferred, processes such as feedback trading situation, user or trade company utilize mobile phone or PC terminal and client transaction software that the All Activity situation is inquired about, confirm transaction, finishing the pattern of transaction, all is the trade mode that belongs to the mobile Internet free payment.
2, the new model terminal pattern of mobile Internet free payment trade mode invention: promptly use the cell phone terminal to add the transaction terminal form that the client transaction software forms, wherein the cell phone terminal comprises intelligent mobile phone terminal, non intelligent mobile phone terminal, has the IPAD panel computer of network interconnection function and PC terminal etc., the form of this terminal invention is different from POS machine pattern fully, do not adopt the near-field communication technology, adopt software engineering to add the network interconnection and the communication function of terminal form and terminal exactly.
3, mobile Internet free payment transaction participant implementation pattern invention: the participant of mobile Internet free payment has the three parts, comprise trade company, user, payment services merchant (SP such as bank or telecommunications), participant's implementation invention is as follows: trade company number is reduced to a two-dimension code, bar code or a string character string, become disclosed coding, can be placed in the trade company Anywhere, for example stick on the dining table or on the wall, use when making things convenient for the customer transaction payment.Trade company is coded in the corresponding corresponding merchant account coding in SP place; User profile just can directly represent with Mobile Directory Number, and Mobile Directory Number becomes user's payment account coding at the SP place, and relevant IMSI number of phonecard, AK sign indicating number etc. are guaranteed secure communication and Secure Transaction as user authentication information.
4, mobile Internet free payment interactive mode new invention: mobile Internet free payment transaction client software provides new man-machine interaction mode, when transaction, need be with input transaction terminals such as merchant information, user profile, dealing money, the present invention can be by terminal transaction software startup mobile phone terminal Figure recognition, bar code scan etc. carry out bar code scanning, two-dimension code scans and obtains " trade company's coding ", also can import relevant information by hand, it is very convenient to operate, and very easily promotes the use of.
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| CN201110137743XA CN102184498A (en) | 2011-05-26 | 2011-05-26 | Free payment transaction mode of mobile Internet |
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| CN102610043A (en) * | 2012-02-09 | 2012-07-25 | 于梦媛 | Mobile terminal with virtual card-swiping function |
| CN102760335A (en) * | 2012-07-18 | 2012-10-31 | 朱磊 | Intelligent wireless mobile cash register system and implementation method thereof |
| CN102915604A (en) * | 2012-08-31 | 2013-02-06 | 宝利数码有限公司 | Mobile payment system based on two-dimensional code and telecommunication service provider |
| CN103325036A (en) * | 2012-01-16 | 2013-09-25 | 深圳市家富通汇科技有限公司 | Mobile device for secured transactions over unsecured network |
| CN103617523A (en) * | 2013-12-09 | 2014-03-05 | 福建联迪商用设备有限公司 | Method and system for mobile payment |
| CN103810519A (en) * | 2012-11-05 | 2014-05-21 | 英飞凌科技股份有限公司 | Chip Card Arrangement, Chip Card, Apparatus For Contactless Interaction With A Chip Card Arrangement Or A Chip Card, And Method For Operating And Method For Producing A Chip Card Arrangement Or Chip Card |
| CN103905194A (en) * | 2012-12-26 | 2014-07-02 | 中国电信股份有限公司 | Identity traceability authentication method and system |
| WO2014153979A1 (en) * | 2013-03-26 | 2014-10-02 | Wang Dejia | Method for implementing application of dynamic code |
| CN104134140A (en) * | 2014-07-23 | 2014-11-05 | 南宁市锋威科技有限公司 | Mobile phone payment system |
| CN104246805A (en) * | 2012-04-17 | 2014-12-24 | 德国邮政股份公司 | Electronic transaction method |
| CN104364807A (en) * | 2012-03-19 | 2015-02-18 | 加拿大皇家铸币厂 | Using bar-codes in an asset storage and transfer system |
| WO2015062425A1 (en) * | 2013-10-28 | 2015-05-07 | Tencent Technology (Shenzhen) Company Limited | User identity verification method and system, password protection apparatus and storage medium |
| CN104854630A (en) * | 2012-09-26 | 2015-08-19 | 温科尼克斯多夫国际有限公司 | Method and system for securely entering identification data in order to authenticate a transaction carried out by means of a self-service terminal |
| CN105139193A (en) * | 2015-07-31 | 2015-12-09 | 腾讯科技（深圳）有限公司 | Electronic resource processing method, electronic resource processing device and server |
| WO2017012542A1 (en) * | 2015-07-20 | 2017-01-26 | 焦若筠 | Qr code-based cardless payment method and system |
| WO2017208111A1 (en) * | 2016-05-30 | 2017-12-07 | ZHOU, Tiger | Facilitating mobile device payments using product code scanning |
| CN109008226A (en) * | 2018-06-27 | 2018-12-18 | 重庆交通大学 | Dining table mobile phone storage system |
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| CN103325036A (en) * | 2012-01-16 | 2013-09-25 | 深圳市家富通汇科技有限公司 | Mobile device for secured transactions over unsecured network |
| CN102610043B (en) * | 2012-02-09 | 2015-06-24 | 于梦媛 | Mobile terminal with virtual card-swiping function |
| CN102610043A (en) * | 2012-02-09 | 2012-07-25 | 于梦媛 | Mobile terminal with virtual card-swiping function |
| CN104364807A (en) * | 2012-03-19 | 2015-02-18 | 加拿大皇家铸币厂 | Using bar-codes in an asset storage and transfer system |
| CN104246805A (en) * | 2012-04-17 | 2014-12-24 | 德国邮政股份公司 | Electronic transaction method |
| CN102760335B (en) * | 2012-07-18 | 2014-11-26 | 朱磊 | Intelligent wireless mobile cash register system and implementation method thereof |
| CN102760335A (en) * | 2012-07-18 | 2012-10-31 | 朱磊 | Intelligent wireless mobile cash register system and implementation method thereof |
| CN102915604A (en) * | 2012-08-31 | 2013-02-06 | 宝利数码有限公司 | Mobile payment system based on two-dimensional code and telecommunication service provider |
| CN104854630B (en) * | 2012-09-26 | 2018-06-22 | 温科尼克斯多夫国际有限公司 | For inputting identification data safely come to the method and system being authenticated by the transaction that self-aided terminal is implemented |
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| CN104854630A (en) * | 2012-09-26 | 2015-08-19 | 温科尼克斯多夫国际有限公司 | Method and system for securely entering identification data in order to authenticate a transaction carried out by means of a self-service terminal |
| CN103810519A (en) * | 2012-11-05 | 2014-05-21 | 英飞凌科技股份有限公司 | Chip Card Arrangement, Chip Card, Apparatus For Contactless Interaction With A Chip Card Arrangement Or A Chip Card, And Method For Operating And Method For Producing A Chip Card Arrangement Or Chip Card |
| CN103905194B (en) * | 2012-12-26 | 2017-05-24 | 中国电信股份有限公司 | Identity traceability authentication method and system |
| CN103905194A (en) * | 2012-12-26 | 2014-07-02 | 中国电信股份有限公司 | Identity traceability authentication method and system |
| WO2014153979A1 (en) * | 2013-03-26 | 2014-10-02 | Wang Dejia | Method for implementing application of dynamic code |
| WO2015062425A1 (en) * | 2013-10-28 | 2015-05-07 | Tencent Technology (Shenzhen) Company Limited | User identity verification method and system, password protection apparatus and storage medium |
| US9635018B2 (en) | 2013-10-28 | 2017-04-25 | Tencent Technology (Shenzhen) Company Limited | User identity verification method and system, password protection apparatus and storage medium |
| CN103617523A (en) * | 2013-12-09 | 2014-03-05 | 福建联迪商用设备有限公司 | Method and system for mobile payment |
| CN104134140A (en) * | 2014-07-23 | 2014-11-05 | 南宁市锋威科技有限公司 | Mobile phone payment system |
| WO2017012542A1 (en) * | 2015-07-20 | 2017-01-26 | 焦若筠 | Qr code-based cardless payment method and system |
| CN105139193A (en) * | 2015-07-31 | 2015-12-09 | 腾讯科技（深圳）有限公司 | Electronic resource processing method, electronic resource processing device and server |
| WO2017208111A1 (en) * | 2016-05-30 | 2017-12-07 | ZHOU, Tiger | Facilitating mobile device payments using product code scanning |
| CN109008226A (en) * | 2018-06-27 | 2018-12-18 | 重庆交通大学 | Dining table mobile phone storage system |
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Application publication date: 20110914 |