CN102222293A - Mobile payment method, mobile terminal and system - Google Patents
Mobile payment method, mobile terminal and system Download PDFInfo
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- CN102222293A CN102222293A CN2011101462856A CN201110146285A CN102222293A CN 102222293 A CN102222293 A CN 102222293A CN 2011101462856 A CN2011101462856 A CN 2011101462856A CN 201110146285 A CN201110146285 A CN 201110146285A CN 102222293 A CN102222293 A CN 102222293A
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Abstract
The invention is suitable for the field of communication and provides a mobile payment method, a mobile terminal and a system. The method comprises the following steps: the mobile terminal displays operable financial service items of a user; the mobile terminal receives a financial service item selected by the user; the mobile terminal prompts the user to swipe a card; a card reader authenticates the financial service item, acquires a card number and a password of the user, encrypts and processes the card number, the password and the selected financial service item to form financial transaction data, and transmits the financial transaction data to the mobile terminal; the mobile terminal transmits the financial transaction data to a financial mechanism through a mobile network; and the mobile terminal receives a response message returned by the financial mechanism and prompts the user whether the operation is successful according to the response message. The technical scheme provided by the invention has the advantages of high safety and high supportability.
Description
Technical field
The invention belongs to the communications field, relate in particular to a kind of method and system of mobile payment.
Background technology
Existing method of payment is by existing payment, and bank paying and third party pay, and the third party pays mode and the flow process thereof of utilizing the third-party institution except that the client that holds, businessman and signatory bank thereof to pay.This third-party institution can be the bank of distribution credit card itself in the operating process of reality, sign relevant agreement again between the third-party institution and each main bank, the exchanges data and the relevant information that make the third-party institution and bank can carry out certain form are confirmed, the third-party institution just can be implemented in holder or consumer and each bank like this, and the flow process of setting up a payment between final payee or the businessman.
When carrying out network payment, the disclosure of bank's card number and password is only shifted between holder and bank, reduced by businessman and shifted the risk that causes, the holder at first transmits account information with the third party with the form (for example mail) of certain electronic data of alternative account No., avoided the holder that bank information is revealed to except that the credit card issuer either party, also can login different Web bank interfaces in addition, and when the substitute is each login, can both see and being familiar with relatively and the interface of the simple third-party institution.
Existing third party pays product and mainly contains that PayPal (Eachnet company product), Alipay (under Alibaba), wealth pay easily precious payment (Yeepay) of logical (company of Tengxun, Tengxun pats), Sheng Futong (under the magnificence), fast money (99bill), hundred pairs of treasured (C2C of Baidu), logistics treasured (under Wondertek's net), Netease's treasured (under the Netease), Net silver online (china bank), encircle fast payment, pay to all over the world, converge payment (join pay), precious paying (my payment is navigated).Wherein number of users maximum be PayPal and Alipay, the former is mainly popular in American-European countries, the latter is a product under Alibaba, it is said, by in July, 2009, the Alipay user surpasses 200,000,000.Unionpay pays by mails and also to begin to have an effect third party's payment under the China Unionpay in addition, and its strength can not look down upon.
There is following shortcoming in the existing modes of payments
Security is low: payer's bank card information is exposed to third party's payment platform, if the credit rating of this third party's payment platform or secret means are not good enough, will bring payer's relevant risk;
Ensure low: the legal status that the third party settles accounts payment intermediary lacks regulation, in case the bankruptcy that should terminate, " electronic money " that the consumer bought may become claim in bankruptcy, can't be protected.
Summary of the invention
The purpose of the embodiment of the invention is to provide a kind of method of mobile payment, and it is low to be intended to solve the existing technical scheme security, ensures low problem.
The embodiment of the invention is achieved in that a kind of method of mobile payment, and described method comprises:
The exercisable finance service of portable terminal explicit user;
Portable terminal receives the finance service that the user selects;
Portable terminal prompting user card punching;
Card reader obtains user's card number and password, and back formation data of financial transaction is encrypted and handled to the finance service of card number, password and selection, and send portable terminal with data of financial transaction;
Portable terminal sends to financial institution with data of financial transaction by the mobile network;
Portable terminal receives the response message that financial institution returns, and whether operates success according to this response message to user prompt.
The invention provides a kind of portable terminal, described portable terminal comprises:
Display unit is used for the exercisable finance service of explicit user;
Receiving element is used to receive the finance service that the user selects;
Tip element is used to point out user card punching;
Acquiring unit is used for the password that obtains user's card number and obtain the user by card reader;
Described receiving element also is used to receive the data of financial transaction of card reader, and this data of financial transaction is that the data of financial transaction that the back forms is encrypted and handled to the finance service of card number, password and selection;
Transmitting element is used for data of financial transaction is sent to financial institution by the mobile network;
Receive Tip element, be used to receive the response message that financial institution returns, whether operate success to user prompt according to this response message.
The present invention also provides a kind of card reader, and described card reader comprises:
Acquiring unit is used to the password that obtains user's card number and obtain the user;
Ciphering unit, back formation data of financial transaction is encrypted and handled to the finance service that is used for card number, password and selection, and send to portable terminal;
Authentication ' unit is used to authenticate the correctness of portable terminal, and verifies the correctness of finance service;
Key storing unit is used to preserve the working key of downloading from financial institution.
The present invention also provides a kind of mobile-payment system, and described mobile-payment system comprises: portable terminal, the card reader and the financial institution that are connected with described portable terminal;
Portable terminal is used for the exercisable finance service of explicit user, receives the finance service that the user selects; The prompting user card punching;
Card reader is used to obtain user's card number;
Card reader also is used to obtain user's password, and obtains data of financial transaction after the finance service of card number, password and selection encrypted and handle, and sends to financial institution by portable terminal;
Financial institution is used to verify be used for the correctness of the data of financial transaction that receives from portable terminal data of financial transaction is handled, and result is carried at sends to portable terminal in the response message;
Portable terminal is used to receive the response message that financial institution returns, and whether operates success according to this response message to user prompt.
In embodiments of the present invention, technical scheme provided by the invention third party (mobile network) in operation only exist as transmitting message, it need not card number and password to know, so it can not be exposed to payer's bank card information third party's payment platform, have the advantage that improves security, in addition, this scheme is directly to operate by financial institution, so do not have electronic money in this scheme, ensure high advantage so it has.
Description of drawings
Fig. 1 is the process flow diagram of the method for the mobile payment that provides of the embodiment of the invention;
Fig. 2 is the process flow diagram of the method for the mobile payment that provides of the embodiment of the invention one;
Fig. 3 is the process flow diagram of the method for the mobile payment that provides of the embodiment of the invention two;
Fig. 4 is the process flow diagram of the method for the mobile payment that provides of the embodiment of the invention three;
Fig. 5 is the structural drawing of the portable terminal that provides of the embodiment of the invention four;
Fig. 6 is the structural drawing of a kind of mobile-payment system of providing of the embodiment of the invention five;
The structural drawing of a kind of card reader that Fig. 7 provides for the embodiment of the invention six.
Embodiment
In order to make purpose of the present invention, technical scheme and advantage clearer,, the present invention is further elaborated below in conjunction with drawings and Examples.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.
The method of a kind of mobile payment provided by the invention, this method is finished by portable terminal, this portable terminal and the card reader that links to each other with portable terminal, above-mentioned linking to each other can connect by USB and other interface, and this method comprises as shown in Figure 1:
S11, the exercisable finance service of portable terminal explicit user;
S12, portable terminal receive the finance service that the user selects;
S13, portable terminal prompting user card punching,
S14, card reader obtain user's card number and password, and the back is encrypted and handled to the finance service of card number, password and selection form data of financial transaction, and will data of financial transaction send portable terminal;
S15, portable terminal send to financial institution with data of financial transaction by the mobile network;
S16, portable terminal receive the response message that financial institution returns, and whether operate success according to this response message to user prompt.
Need to prove that above-mentioned finance service is specifically as follows: inquiry into balance, transfer accounts, remit money, consume, pay the fees, refund, supplement with money, Invoice Number payment, public good contribution, account charging or accumulated point exchanging or the like.Certainly this finance service can also for: include the note of consuming information, this note can comprise: the title of commodity or service, project, the amount of money and payer information (for example payer title or card number) etc., the perhaps finance service in the browsing page.
Need to prove,, then directly point out user's input validation key or user to import arbitrary numbers if card number does not have password.
Optionally, said method also comprised before S14: card reader authenticates the correctness and the security of portable terminal, and verifies the correctness and the security of the service item that portable terminal receives.
Method provided by the invention can make the user finish common financial service by portable terminal, make the user financial at every turn operation all need go to bank, so it has user friendly advantage, in addition, this method is obtained card number by card reader, its mode than general direct input card number (for example Web bank) is wanted safety, third party in the aforesaid operations (mobile network) only exists as transmitting message in addition, it need not card number and password to know, so it can not be exposed to payer's bank card information third party's payment platform, advantage with further raising security, in addition, this method is directly to operate by financial institution, so do not have electronic money in this method, the guarantee of financial institution ensures high advantage than the guarantee height of third company so it has obviously.
Embodiment one
Present embodiment provides a kind of method of mobile payment, and present embodiment is that example describes with the inquiry into balance, and this method comprises as shown in Figure 2:
S21, the exercisable finance service of portable terminal explicit user;
S22, portable terminal receive the inquiry into balance that the user selects;
S23, portable terminal are pointed out user card punching, obtain user's card number by card reader;
S24, card reader obtain card number, password and inquiry into balance, and card number, password and inquiry into balance are obtained data of financial transaction and send to portable terminal after encrypting and handling;
S25, portable terminal send to financial institution with data of financial transaction by the mobile network;
S26, portable terminal receive the response message that financial institution returns, and whether operate success according to this response message to user prompt;
As operate success, show remaining sum, otherwise show failure.
Embodiment two
Present embodiment provides a kind of method of mobile payment, and present embodiment is that example describes with the inquiry into balance, and this method comprises as shown in Figure 3:
S31, the exercisable finance service of portable terminal explicit user;
S32, portable terminal receive the note of consumption information;
S33, portable terminal are pointed out user card punching, obtain user's card number by card reader;
The card number that S34, card reader obtain, password and consumption information obtain data of financial transaction and send to portable terminal after card number, password and consumption information encrypted and handle;
S35, portable terminal send to financial institution with data of financial transaction by the mobile network;
S36, portable terminal receive the response message that financial institution returns, and whether operate success according to this response message to user prompt;
As operate success, show and pay successfully, otherwise show failure.
Embodiment three
Present embodiment provides a kind of method of mobile payment, and present embodiment is that example describes with the inquiry into balance, and this method comprises as shown in Figure 4:
S41, the exercisable finance service of portable terminal explicit user;
S42, portable terminal receive the money transfer transactions that the user selects;
S43, portable terminal are pointed out user card punching, obtain user's card number by card reader;
S44, card reader obtain card number, password and money transfer transactions, card number, password and money transfer transactions are obtained data of financial transaction through encryption and processing, and send to portable terminal;
S45, portable terminal send to financial institution with data of financial transaction by the mobile network;
S46, portable terminal receive the response message that financial institution returns, and whether operate success according to this response message to user prompt;
As operate success, show and transfer accounts successfully, otherwise show failure.
Embodiment four
Present embodiment provides a kind of portable terminal, and portable terminal comprises as shown in Figure 5:
Receiving element 52 is used to receive the finance service that the user selects;
Acquiring unit 54 is used for the card number password that obtains user's card number and obtain the user by card reader;
Receiving element 52 also is used to receive the data of financial transaction of card reader, and this data of financial transaction is that the finance service of card number, password and selection is encrypted the data of financial transaction that the back forms;
Transmitting element 55 is used for data of financial transaction is sent to financial institution by the mobile network;
Receive Tip element 56, be used to receive the response message that financial institution returns, whether operate success to user prompt according to this response message.
The portable terminal that present embodiment provides can make the user finish common financial service by portable terminal, make the user financial at every turn operation all need go to bank, so it has user friendly advantage, in addition, this portable terminal obtains card number by card reader, its mode than general direct input card number (for example Web bank) is wanted safety, third party in the aforesaid operations (mobile network) only exists as transmitting message in addition, it need not card number and password to know, so it can not be exposed to payer's bank card information third party's payment platform, advantage with further raising security, in addition, this portable terminal is directly to operate by financial institution, so do not have electronic money in this portable terminal, ensures high advantage so it has.
Embodiment five
Present embodiment provides a kind of mobile-payment system, and this mobile-payment system comprises as shown in Figure 6: portable terminal 61, card reader 62 that is connected with described portable terminal and financial institution 63;
Portable terminal 61 is used for the exercisable finance service of explicit user, receives the finance service that the user selects; The prompting user card punching;
Card reader 62 is used to obtain user's card number;
Card reader 62 also is used to obtain user's password, and obtains data of financial transaction after the finance service of card number, password and selection encrypted and handle, and sends to financial institution by portable terminal;
Financial institution 63 is used to verify be used for the correctness of the data of financial transaction that receives from portable terminal data of financial transaction is handled, and result is carried at sends to portable terminal in the response message;
Portable terminal 61 is used to receive the response message that financial institution returns, and whether operates success according to this response message to user prompt.
Optionally, card reader 62 also is used to verify the correctness of portable terminal, the correctness of the finance service that also is used to verify that portable terminal receives.
The system that present embodiment provides can make the user finish common financial service by portable terminal, make the user financial at every turn operation all need go to bank, so it has user friendly advantage, in addition, this system obtains card number by card reader, its mode than general direct input card number (for example Web bank) is wanted safety, third party in the aforesaid operations (mobile network) only exists as transmitting message in addition, it need not card number and password to know, so it can not be exposed to payer's bank card information third party's payment platform, advantage with further raising security, in addition, this system directly operates by financial institution, so do not have electronic money in this system, ensures high advantage so it has.
Embodiment six
Present embodiment provides a kind of card reader, and this card reader comprises as shown in Figure 7:
Acquiring unit 71 is used to the password that obtains user's card number and obtain the user;
Ciphering unit 72, back formation data of financial transaction is encrypted and handled to the finance service that is used for card number, password and selection, and send to portable terminal;
Receiving element 73 is used to receive finance service;
Authentication ' unit 74 is used to authenticate the correctness of portable terminal, and verifies the correctness of finance service;
The card reader that present embodiment provides supports portable terminal to finish the finance operation by obtaining card number and password and send to portable terminal, because whole finance operation all need not third party's payment platform, so that it has is safe, ensures high advantage.
Technical scheme provided by the invention has safe, ensures high advantage.
The above only is preferred embodiment of the present invention, not in order to restriction the present invention, all any modifications of being done within the spirit and principles in the present invention, is equal to and replaces and improvement etc., all should be included within protection scope of the present invention.
Claims (9)
1. the method for a mobile payment is characterized in that, described method comprises:
The exercisable finance service of portable terminal explicit user;
Portable terminal receives the finance service that the user selects;
Portable terminal prompting user card punching;
Card reader obtains user's card number and password, and back formation data of financial transaction is encrypted and handled to the finance service of card number, password and selection, and send portable terminal with data of financial transaction;
Portable terminal sends to financial institution with data of financial transaction by the mobile network;
Portable terminal receives the response message that financial institution returns, and whether operates success according to this response message to user prompt.
2. method according to claim 1 is characterized in that, described method also comprises before card reader obtains user's card number:
Card reader authenticates the correctness and the security of portable terminal, and verifies the correctness and the security of the service item that portable terminal receives.
3. method according to claim 1 is characterized in that, the finance service of described user-operable specifically comprises:
Inquiry into balance, transfer accounts, remit money, consume, pay the fees, refund, supplement with money, Invoice Number payment, public good contribution, account charging or accumulated point exchanging.
4. method according to claim 1 is characterized in that, the finance service of described user-operable specifically comprises:
Include the note of consuming information, described note comprises: the title of commodity, the amount of money and beneficiary information.
5. method according to claim 1 is characterized in that, the finance service of described user-operable specifically comprises:
Finance service in the webpage.
6. a portable terminal is characterized in that, described portable terminal comprises:
Display unit is used for the exercisable finance service of explicit user;
Receiving element is used to receive the finance service that the user selects;
Tip element is used to point out user card punching;
Acquiring unit is used for the password that obtains user's card number and obtain the user by card reader;
Described receiving element also is used to receive the data of financial transaction of card reader, and this data of financial transaction is that the data of financial transaction that the back forms is encrypted and handled to the finance service of card number, password and selection;
Transmitting element is used for data of financial transaction is sent to financial institution by the mobile network;
Receive Tip element, be used to receive the response message that financial institution returns, whether operate success to user prompt according to this response message.
7. a card reader is characterized in that, described card reader comprises:
Acquiring unit is used to the password that obtains user's card number and obtain the user;
Ciphering unit, back formation data of financial transaction is encrypted and handled to the finance service that is used for card number, password and selection, and send to portable terminal;
Authentication ' unit is used to authenticate the correctness of portable terminal, and verifies the correctness of finance service;
Key storing unit is used to preserve the working key of downloading from financial institution.
8. a mobile-payment system is characterized in that, described mobile-payment system comprises: portable terminal, the card reader and the financial institution that are connected with described portable terminal;
Portable terminal is used for the exercisable finance service of explicit user, receives the finance service that the user selects; The prompting user card punching;
Card reader is used to obtain user's card number;
Card reader also is used to obtain user's password, and obtains data of financial transaction after the finance service of card number, password and selection encrypted and handle, and sends to financial institution by portable terminal;
Financial institution is used to verify be used for the correctness of the data of financial transaction that receives from portable terminal data of financial transaction is handled, and result is carried at sends to portable terminal in the response message;
Portable terminal is used to receive the response message that financial institution returns, and whether operates success according to this response message to user prompt.
9. mobile-payment system according to claim 8 is characterized in that described card reader also is used to verify the correctness of portable terminal, the correctness of the finance service that also is used to verify that portable terminal receives.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN2011101462856A CN102222293A (en) | 2011-06-01 | 2011-06-01 | Mobile payment method, mobile terminal and system |
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| Application Number | Priority Date | Filing Date | Title |
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| CN2011101462856A CN102222293A (en) | 2011-06-01 | 2011-06-01 | Mobile payment method, mobile terminal and system |
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| CN102222293A true CN102222293A (en) | 2011-10-19 |
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| CN2011101462856A Pending CN102222293A (en) | 2011-06-01 | 2011-06-01 | Mobile payment method, mobile terminal and system |
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| CN106327723A (en) * | 2016-08-29 | 2017-01-11 | 福建新大陆支付技术有限公司 | mPOS transaction system based on intelligent platform |
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Application publication date: 20111019 |