CN102222293A - Mobile payment method, mobile terminal and system - Google Patents

Mobile payment method, mobile terminal and system Download PDF

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Publication number
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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China
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mobile terminal
user
financial
card
mobile
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CN2011101462856A
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Chinese (zh)
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程永生
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程永生
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Priority to CN2011101462856A priority Critical patent/CN102222293A/en
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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

一种移动支付的方法、移动终端及系统 A mobile payment method, the mobile terminal and system

技术领域 FIELD

[0001] 本发明属于通信领域,尤其涉及一种移动支付的方法及系统。 [0001] The present invention belongs to the field of communications, particularly to a method and system for mobile payment. 背景技术 Background technique

[0002] 现有的支付方法由现有支付,银行支付和第三方支付,第三方支付利用除持卡客户、商家及其签约银行之外的第三方机构来进行支付的方式及其流程。 [0002] existing payment method from the existing payments, bank payments and third-party payment, third party payment card in addition to the use of third party customers, merchants and banks contracted to carry out the payment of its processes. 在实际的操作过程中这个第三方机构可以是发行信用卡的银行本身,第三方机构与各个主要银行之间又签订有关协议,使得第三方机构与银行可以进行某种形式的数据交换和相关信息确认,这样第三方机构就能实现在持卡人或消费者与各个银行,以及最终的收款人或者是商家之间建立一个支付的流程。 In the actual operation of the third party itself may be a bank to issue credit cards, but also the signing of the agreement between the third party and all the major banks, so that third-party institutions and banks may be some form of data exchange and related information confirmed so that third parties will be able to achieve the establishment of a process payments between the consumer and the individual cardholder or the bank, as well as the final recipient or businesses.

[0003] 在进行网络支付时,银行卡号以及密码的披露只在持卡人和银行之间转移,降低了通过商家转移而导致的风险,持卡人首先和第三方以替代银行帐号的某种电子数据的形式(例如邮件)传递帐户信息,避免了持卡人将银行信息透露给除发卡行之外的任何一方, 另外也可以不必登录不同的网上银行界面,而取而代之的是每次登录时,都能看到相对熟悉和简单的第三方机构的界面。 [0003] When making online payment, bank card number and password disclosure between the cardholder and the bank transfer only, reducing the risk caused by the transfer of businesses, cardholders first and third parties and to a certain bank account form (such as mail) delivery account information, avoiding the electronic data of the cardholder's bank information disclosed to any party other than the issuer, the other also do not have to log in to different online banking interface, and replaced each time you log , you can see familiar and relatively simple interface third-party organizations.

[0004] 现有的第三方支付产品主要有I^ayPal (易趣公司产品)、支付宝(阿里巴巴旗下)、财付通(腾讯公司,腾讯拍拍)、盛付通(盛大旗下)易宝支付(¾印ay)、快钱(99bill)、百付宝(百度C2C)、物流宝(网达网旗下)、网易宝(网易旗下)、网银在线(china bank)、环迅支付、汇付天下、汇聚支付(join pay)、宝付(我的支付导航)。 [0004] existing third-party payment main products are I ^ ayPal (eBay products), Alipay (Alibaba), TenPay (Tencent, Tencent pat), Sheng Fu Tong (Shanda's) YeePay (¾ Indian ay), fast money (99bill), 100 Po (Baidu C2C), logistics Po (net of network's), Netease treasure (NetEase), online banking online (china bank), IPS, remittance world , brought together payment (join pay), Bao pay (I paid navigation). 其中最用户数量最大的是I^ayPal和支付宝,前者主要在欧美国家流行,后者是阿里巴巴旗下产品,据称, 截止2009年7月,支付宝用户超过2亿。 Which is the largest number of the most user-I ^ ayPal and Alipay, the former is mainly popular in the United States and Europe, which is Alibaba's product, allegedly, as of July 2009, Alipay more than 200 million users. 另外中国银联旗下银联电子支付也开始发力第三方支付,其实力不容小视。 In addition China UnionPay's ChinaPay also began to force third-party payment, its strength can not be overlooked.

[0005] 现有的支付方式存在以下缺点 There is a disadvantage [0005] conventional method of payment

[0006] 安全性低:付款人的银行卡信息暴露给第三方支付平台,如果这个第三方支付平台的信用度或者保密手段欠佳,将带给付款人相关风险; [0006] low security: the payer's bank card information exposed to a third party payment platform, if the credit or confidentiality means that third-party payment platform of the poor, will bring payer associated risks;

[0007] 保障低:第三方结算支付中介的法律地位缺乏规定,一旦该终结破产,消费者所购买的“电子货币,,可能成了破产债权,无法得到保障。 [0007] guarantee low: the legal status of third-party billing payment intermediary of a lack of provisions, once the conclusion of the bankruptcy, consumers buy "electronic money ,, may become bankruptcy claims, can not be guaranteed.

发明内容 SUMMARY

[0008] 本发明实施例的目的在于提供一种移动支付的方法,旨在解决现有的技术方案安全性低,保障低的问题。 [0008] The object of embodiments of the present invention to provide a method of mobile payment, to solve the conventional technical solutions is low security, the problem of low security.

[0009] 本发明实施例是这样实现的,一种移动支付的方法,所述方法包括: [0009] Example embodiments of the present invention is implemented, a mobile payment method, the method comprising:

[0010] 移动终端显示用户可操作的金融服务项目; [0010] The mobile terminal displays a user operable financial services;

[0011] 移动终端接收用户选择的金融服务项目; [0011] mobile terminal to receive financial services selected by the user;

[0012] 移动终端提示用户刷卡; [0012] The mobile terminal prompts the user card;

[0013] 刷卡器获取用户的卡号和密码,并将卡号、密码以及选择的金融服务项目加密和处理后形成金融交易数据,并将金融交易数据送移动终端; [0013] obtains the user card number and password, and the resulting financial transaction card data, passwords and encryption and financial services after the selection process, and the financial transaction data to send the mobile terminal;

[0014] 移动终端将金融交易数据通过移动网络发送给金融机构; [0014] The mobile terminal financial transaction data to the financial institution through the mobile network;

[0015] 移动终端接收金融机构返回的响应消息,根据该响应消息向用户提示是否操作成功。 [0015] The mobile terminal receives a response message returned by the financial institution, the user indicating success if the operation according to the response message.

[0016] 本发明提供一种移动终端,所述移动终端包括: [0016] The present invention provides a mobile terminal, the mobile terminal comprising:

[0017] 显示单元,用于显示用户可操作的金融服务项目; [0017] a display unit for displaying a user-operable financial services;

[0018] 接收单元,用于接收用户选择的金融服务项目; [0018] The receiving means for receiving a user selection of financial services;

[0019] 提示单元,用于提示用户刷卡; [0019] prompt means for prompting a user card;

[0020] 获取单元,用于通过刷卡器获取用户的卡号以及获取用户的密码; [0020] acquiring unit, configured to obtain the user's card through the card reader and the acquired user's password;

[0021] 所述接收单元,还用于接收刷卡器的金融交易数据,该金融交易数据为卡号、密码以及选择的金融服务项目加密和处理后形成的金融交易数据; [0021] The receiving unit is further configured financial transaction card data receiver's, the financial transaction data to the card number, password, and encryption and financial services financial transaction data forming processing after the selection;

[0022] 发送单元,用于将金融交易数据通过移动网络发送给金融机构; [0022] The transmitting unit for transmitting the financial transaction data over the mobile network to the financial institution;

[0023] 接收提示单元,用于接收金融机构返回的响应消息,根据该响应消息向用户提示是否操作成功。 [0023] prompt receiving means for receiving a response message returned by the financial institution, the user indicating success if the operation according to the response message.

[0024] 本发明还提供一种刷卡器,所述刷卡器包括: [0024] The present invention also provides a card reader, said card comprising:

[0025] 获取单元,用于获取用户的卡号以及获取用户的密码; [0025] acquiring unit, configured to obtain the user's card number, and obtaining the user's password;

[0026] 加密单元,用于卡号、密码以及选择的金融服务项目加密和处理后形成金融交易数据,并发送给移动终端; [0026] The encryption unit, the financial services for card number, password and the encryption and the process of forming the selected financial transaction data, and sends the mobile terminal;

[0027] 认证单元,用于认证移动终端的正确性,并验证金融服务项目的正确性; [0027] The authentication unit for authenticating the validity of the mobile terminal, and verify the correctness of the financial services;

[0028] 密钥存储单元,用于保存从金融机构下载的工作密钥。 [0028] key storage unit for storing downloaded from the financial institution working key.

[0029] 本发明还提供一种移动支付系统,所述移动支付系统包括:移动终端,与所述移动终端连接的刷卡器和金融机构; [0029] The present invention also provides a mobile payment system, the mobile payment system comprising: a mobile terminal, a card and a financial institution connected to the mobile terminal;

[0030] 移动终端,用于显示用户可操作的金融服务项目,接收用户选择的金融服务项目; 提示用户刷卡; [0030] mobile terminal for displaying a user-operable financial services, receiving a user selection of financial services; prompt the user card;

[0031] 刷卡器,用于获取用户的卡号; [0031] The card reader, for obtaining the user's card;

[0032] 刷卡器,还用于获取用户的密码,并将卡号、密码以及选择的金融服务项目加密和处理后得到金融交易数据,并通过移动终端发送给金融机构; [0032] The card reader is further configured to obtain the user's password and the card number, password, and selected financial services encrypted financial transaction data obtained was treated and sent to the financial institution by the mobile terminal;

[0033] 金融机构,用于验证从移动终端接收到的金融交易数据的正确性,用于对金融交易数据处理,并将处理结果携带在响应消息内发送给移动终端; [0033] Financial institutions, for receiving from the mobile terminal to verify the correctness of the data of the financial transaction, financial transaction processing for data, and the results transmitted to the mobile terminal carried in the response message;

[0034] 移动终端,用于接收金融机构返回的响应消息,根据该响应消息向用户提示是否操作成功。 [0034] mobile terminal for receiving a response message returned by the financial institution, the user indicating success if the operation according to the response message.

[0035] 在本发明实施例中,本发明提供的技术方案在操作中的第三方(移动网络)仅作为转发消息存在,卡号和密码其无需知晓,所以其不会将付款人的银行卡信息暴露给第三方支付平台,具有提高安全性的优点,另外,该方案是直接通过金融机构来操作的,所以该方案中没有电子货币,所以其具有保障高的优点。 [0035] In an embodiment of the present invention, the aspect of the present invention provides a third party (mobile network) in operation as there is only forward message, without knowing their card number and password, so that it does not payer's bank card information exposure to a third party payment platform, has the advantage of improving security. in addition, this program is directly operated by financial institutions, so the program does not electronic money, so it has the advantage of high security.

附图说明 BRIEF DESCRIPTION

[0036] 图1是本发明实施例提供的移动支付的方法的流程图; [0036] FIG. 1 is a flowchart of a mobile payment according to an embodiment of the present invention;

[0037] 图2是本发明实施例一提供的移动支付的方法的流程图;[0038] 图3是本发明实施例二提供的移动支付的方法的流程图; [0037] FIG 2 is a flowchart of a mobile payment according to an embodiment of the present invention; [0038] FIG. 3 is a flowchart of a method for mobile payment according to a second embodiment of the present invention;

[0039] 图4是本发明实施例三提供的移动支付的方法的流程图; [0039] FIG. 4 is a flowchart of a mobile payment according to a third embodiment of the present invention;

[0040] 图5是本发明实施例四提供的移动终端的结构图; [0040] FIG 5 is a configuration diagram of a mobile terminal according to a fourth embodiment of the present invention;

[0041] 图6是本发明实施例五提供的一种移动支付系统的结构图; [0041] FIG. 6 is a configuration diagram of a mobile payment system according to a fifth embodiment of the present invention;

[0042] 图7为本发明实施例六提供的一种刷卡器的结构图。 [0042] FIG. 7 is a structural diagram of a card according to a sixth embodiment of the invention.

具体实施方式 Detailed ways

[0043] 为了使本发明的目的、技术方案及优点更加清楚明白,以下结合附图及实施例,对本发明进行进一步详细说明。 [0043] To make the objectives, technical solutions and advantages of the present invention will become more apparent hereinafter in conjunction with the accompanying drawings and embodiments of the present invention will be further described in detail. 应当理解,此处所描述的具体实施例仅仅用以解释本发明,并不用于限定本发明。 It should be understood that the specific embodiments described herein are only intended to illustrate the present invention and are not intended to limit the present invention.

[0044] 本发明提供的一种移动支付的方法,该方法由移动终端完成,该移动终端和与移动终端相连的刷卡器,上述相连可以通过USB以及其他的接口连接,该方法如图1所示,包括: [0044] The method of the present invention to provide a mobile payment, the method performed by the mobile terminal, the mobile terminal and a mobile terminal connected to the card reader, can be connected via the above-described and other USB interfaces, the method in FIG. 1 shown, comprising:

[0045] S11、移动终端显示用户可操作的金融服务项目; [0045] S11, the mobile terminal displays a user operable financial services;

[0046] S12、移动终端接收用户选择的金融服务项目; [0046] S12, the mobile terminal receives a user selection of financial services;

[0047] S13、移动终端提示用户刷卡, [0047] S13, the mobile terminal prompts the user card,

[0048] S14、刷卡器获取用户的卡号和密码,并将卡号、密码以及选择的金融服务项目加密和处理后形成金融交易数据,并将的金融交易数据送移动终端; [0048] S14, the user obtains the card number and password, and the card number, password, and selected financial services encrypted form financial transaction data and post-processing, data transmission and mobile financial transaction terminal;

[0049] S15、移动终端将金融交易数据通过移动网络发送给金融机构; [0049] S15, the mobile terminal transmits the financial transaction data to the financial institution through the mobile network;

[0050] S16、移动终端接收金融机构返回的响应消息,根据该响应消息向用户提示是否操作成功。 [0050] S16, the mobile terminal receives the response message returned by a financial institution, indicating success if the operation of the user according to the response message.

[0051] 需要说明的是,上述金融服务项目具体可以为:余额查询、转账、汇款、消费、缴费、 还款、充值、账单号付款、公益捐款、账户充值或积分兑换等等。 [0051] It should be noted that the above financial services may be: balance inquiries, transfers, remittances, consumption, payment, payments, recharge, bill payment number, public donations, account recharge, or redeem, and so on. 当然该金融服务项目还可以为:包含有消费提示信息的短信,该短信可以包括:商品或服务的名称、项目、金额和支付方信息(例如支付方名称或卡号)等,或者浏览网页中的金融服务项目。 Of course, the financial services may also include: includes consumer tips SMS message, the message may include: name of the goods or services, projects, amount and payer information (such as paying party's name or card number), etc., or visit the website of financial services.

[0052] 需要说明的是,如果卡号没有密码,则直接提示用户输入确认键或用户输入任意号码。 [0052] Incidentally, if no password card, the user is prompted to confirm a direct bond or an arbitrary number of user input.

[0053] 可选的,上述方法在S14之前还包括:刷卡器认证移动终端的正确性和安全性,并验证移动终端接受到的服务项目的正确性和安全性。 [0053] Optionally, the method further comprising prior S14: card reader authentication accuracy and security of the mobile terminal, and verify the correctness and security of the mobile terminal received service items.

[0054] 本发明提供的方法可以使用户通过移动终端完成普通的金融服务,使得用户不用每次金融操作都需跑到银行,所以其具有方便用户的优点,另外,该方法是通过刷卡器获取卡号的,其比一般的直接输入卡号(例如网上银行)的方式要安全,另外上述操作中的第三方(移动网络)仅作为转发消息存在,卡号和密码其无需知晓,所以其不会将付款人的银行卡信息暴露给第三方支付平台,具有进一步提高安全性的优点,另外,该方法是直接通过金融机构来操作的,所以该方法中没有电子货币,很显然金融机构的保障比第三方公司的保障高,所以其具有保障高的优点。 [0054] The present invention provides a method may enable a user to complete a common financial services through the mobile terminal, so that users do not always need to go to bank financial operations, it has the advantage of user convenience. In addition, the card reader is obtained by the card number, the card number than the average direct input (such as online banking) way to safety, in addition to the above operation of a third party (mobile network) only forward messages exist, card number and password without knowing its act, so it will not pay people's bank card information exposed to a third party payment platform, has the advantage of further improving safety. in addition, this method is directly operated by financial institutions, so this method is not electronic money, it is clear that financial institutions than third-party guarantee the company's high security, it has the advantages of high protection.

[0055] 实施例一 [0055] Example a

[0056] 本实施例提供一种移动支付的方法,本实施例以余额查询为例进行说明,该方法如图2所示,包括:[0057] S21、移动终端显示用户可操作的金融服务项目; [0056] The present embodiment provides a method for mobile payment, a balance inquiry to the present embodiment will be described as an example, the method shown in Figure 2, comprising: [0057] S21, the mobile terminal displays a user operable financial services ;

[0058] S22、移动终端接收用户选择的余额查询; [0058] S22, the mobile terminal receives a user selected balance inquiry;

[0059] S23、移动终端提示用户刷卡,通过刷卡器获取用户的卡号; [0059] S23, the mobile terminal prompts the user to swipe the card through a card to obtain the user device;

[0060] S24、刷卡器获取卡号、密码以及余额查询,将卡号、密码以及余额查询经过加密和处理后得到金融交易数据并发送给移动终端; [0060] S24, the card obtains the card number, password and balance inquiries, card number, password and balance inquiries through to financial transaction processing and data encrypted and sent to the mobile terminal;

[0061] S25、移动终端将金融交易数据通过移动网络发送给金融机构; [0061] S25, the mobile terminal transmits the financial transaction data to the financial institution through the mobile network;

[0062] S26、移动终端接收金融机构返回的响应消息,根据该响应消息向用户提示是否操作成功; [0062] S26, the mobile terminal receives the response message returned by a financial institution, prompts the user whether the operation is successful according to the response message;

[0063] 如操作成功,显示余额,否则显示失败。 [0063] As the operation is successful, the balance display, or display fails.

[0064] 实施例二 [0064] Second Embodiment

[0065] 本实施例提供一种移动支付的方法,本实施例以余额查询为例进行说明,该方法如图3所示,包括: Embodiment provides a method of mobile payment, a balance inquiry to the present embodiment will be described as an example, the method shown in FIG. [0065] The present embodiment 3, comprising:

[0066] S31、移动终端显示用户可操作的金融服务项目; [0066] S31, the mobile terminal displays a user operable financial services;

[0067] S32、移动终端接收消费提示信息的短信; [0067] S32, the mobile terminal receives the message prompts the consumer information;

[0068] S33、移动终端提示用户刷卡,通过刷卡器获取用户的卡号; [0068] S33, the mobile terminal prompts the user to swipe the card through a card to obtain the user device;

[0069] S34、刷卡器获取的卡号、密码以及消费提示信息,将卡号、密码以及消费提示信息进行加密和处理后得到金融交易数据并发送给移动终端; After the [0069] S34, the card obtains the card number, password information and consumer tips, the card number, password, and consumer tips information is encrypted and processed to obtain financial transaction data sent to the mobile terminal;

[0070] S35、移动终端将金融交易数据通过移动网络发送给金融机构; [0070] S35, the mobile terminal transmits the financial transaction data to the financial institution through the mobile network;

[0071] S36、移动终端接收金融机构返回的响应消息,根据该响应消息向用户提示是否操作成功; [0071] S36, the mobile terminal receives the response message returned by a financial institution, prompts the user whether the operation is successful according to the response message;

[0072] 如操作成功,显示支付成功,否则显示失败。 [0072] As the operation is successful, display successful payment, or display fails.

[0073] 实施例三 [0073] Example three

[0074] 本实施例提供一种移动支付的方法,本实施例以余额查询为例进行说明,该方法如图4所示,包括: [0074] The present embodiment provides a method for mobile payment, a balance inquiry to the present embodiment will be described as an example, the method shown in FIG. 4, comprising:

[0075] S41、移动终端显示用户可操作的金融服务项目; [0075] S41, the mobile terminal displays a user operable financial services;

[0076] S42、移动终端接收用户选择的转账交易; [0076] S42, the mobile terminal receives user-selected transfer transactions;

[0077] S43、移动终端提示用户刷卡,通过刷卡器获取用户的卡号; [0077] S43, the mobile terminal prompts the user to swipe the card through a card to obtain the user device;

[0078] S44、刷卡器获取卡号、密码以及转账交易,将卡号、密码以及转账交易经过加密和处理得到金融交易数据,并发送给移动终端; [0078] S44, the card obtains the card number, password and transfer transaction, card number, password and transfers the enciphered transaction processing to financial transaction data, and sends the mobile terminal;

[0079] S45、移动终端将金融交易数据通过移动网络发送给金融机构; [0079] S45, the mobile terminal transmits the financial transaction data to the financial institution through the mobile network;

[0080] S46、移动终端接收金融机构返回的响应消息,根据该响应消息向用户提示是否操作成功; [0080] S46, the mobile terminal receives the response message returned by a financial institution, prompts the user whether the operation is successful according to the response message;

[0081] 如操作成功,显示转账成功,否则显示失败。 [0081] As the operation is successful, the successful transfer display, or display fails.

[0082] 实施例四 [0082] Fourth Embodiment

[0083] 本实施例提供一种移动终端,移动终端如图5所示,包括: [0083] The present embodiment provides a mobile terminal, the mobile terminal 5, comprising:

[0084] 显示单元51,用于显示用户可操作的金融服务项目; [0084] The display unit 51 for displaying user-operable financial services;

[0085] 接收单元52,用于接收用户选择的金融服务项目; [0085] The receiving unit 52, for receiving a user selection of financial services;

[0086] 提示单元53,用于提示用户刷卡, [0086] prompt unit 53 for prompting the user card,

[0087] 获取单元M,用于通过刷卡器获取用户的卡号以及获取用户的卡号密码;[0088] 接收单元52,还用于接收刷卡器的金融交易数据,该金融交易数据为卡号、密码以及选择的金融服务项目加密后形成的金融交易数据; [0087] M obtaining unit, configured to obtain the user's card through the card reader and the card user password acquired; [0088] The receiving unit 52 further receives financial transaction data for the card reader, the financial transaction data to the card number, password, and financial transaction data formed after the selection of financial services encryption;

[0089] 发送单元55,用于将金融交易数据通过移动网络发送给金融机构; [0089] The transmission unit 55 for transmitting financial transactions through the mobile network to the financial institution;

[0090] 接收提示单元56,用于接收金融机构返回的响应消息,根据该响应消息向用户提示是否操作成功。 [0090] prompt receiving unit 56, for receiving a response message returned by the financial institution, prompts the user whether the operation is successful according to the response message.

[0091] 本实施例提供的移动终端可以使用户通过移动终端完成普通的金融服务,使得用户不用每次金融操作都需跑到银行,所以其具有方便用户的优点,另外,该移动终端是通过刷卡器获取卡号的,其比一般的直接输入卡号(例如网上银行)的方式要安全,另外上述操作中的第三方(移动网络)仅作为转发消息存在,卡号和密码其无需知晓,所以其不会将付款人的银行卡信息暴露给第三方支付平台,具有进一步提高安全性的优点,另外,该移动终端是直接通过金融机构来操作的,所以该移动终端中没有电子货币,所以其具有保障高的优点。 [0091] In the mobile terminal according to an embodiment may enable a user to complete a common financial services through the mobile terminal, so that users do not always need to go to bank financial operations, it has the advantage of user convenience, in addition, by the mobile terminal card obtains the card number, the card number than the average input directly (e.g., online banking) to secure manner, the above operation further third party (mobile network) the presence of only forwarding messages, without knowing its card number and password as, so it does not the payer's bank card information will be exposed to a third party payment platform, has a further advantage of improved security. in addition, the mobile terminal is directly operated by financial institutions, so that there is no mobile terminal electronic money, it has a guarantee high advantages.

[0092] 实施例五 [0092] Embodiment V

[0093] 本实施例提供一种移动支付系统,该移动支付系统如图6所示,包括:移动终端61,与所述移动终端连接的刷卡器62和金融机构63 ; [0093] The present embodiment provides a mobile payment system, the mobile payment system shown in FIG. 6, comprising: a mobile terminal 61, connected to the card reader 62 of mobile terminal 63 and the financial institution;

[0094] 移动终端61,用于显示用户可操作的金融服务项目,接收用户选择的金融服务项目;提示用户刷卡; [0094] The mobile terminal 61 for displaying a user-operable financial services, receiving a user selection of financial services; prompt the user card;

[0095] 刷卡器62,用于获取用户的卡号; [0095] The card reader 62 for obtaining a user's card;

[0096] 刷卡器62,还用于获取用户的密码,并将卡号、密码以及选择的金融服务项目加密和处理后得到金融交易数据,并通过移动终端发送给金融机构; [0096] card reader 62, further configured to obtain the user's password, and access to financial transaction card data, passwords and encryption and financial services after the selection process, and sent to the financial institution by the mobile terminal;

[0097] 金融机构63,用于验证从移动终端接收到的金融交易数据的正确性,用于对金融交易数据处理,并将处理结果携带在响应消息内发送给移动终端; [0097] Financial institutions 63, for receiving from the mobile terminal to verify the correctness of the data of the financial transaction, financial transaction processing for data, and the results transmitted to the mobile terminal carried in the response message;

[0098] 移动终端61,用于接收金融机构返回的响应消息,根据该响应消息向用户提示是否操作成功。 [0098] The mobile terminal 61, the financial institution for receiving a response message returned, indicating success if the operation of the user according to the response message.

[0099] 可选的,刷卡器62还用于验证移动终端的正确性,还用于验证移动终端接收到的金融服务项目的正确性。 [0099] Alternatively, the card reader 62 is further configured to verify the correctness of the mobile terminal, the mobile terminal receives the correctness of financial services is used to verify.

[0100] 本实施例提供的系统可以使用户通过移动终端完成普通的金融服务,使得用户不用每次金融操作都需跑到银行,所以其具有方便用户的优点,另外,该系统是通过刷卡器获取卡号的,其比一般的直接输入卡号(例如网上银行)的方式要安全,另外上述操作中的第三方(移动网络)仅作为转发消息存在,卡号和密码其无需知晓,所以其不会将付款人的银行卡信息暴露给第三方支付平台,具有进一步提高安全性的优点,另外,该系统是直接通过金融机构来操作的,所以该系统中没有电子货币,所以其具有保障高的优点。 [0100] The present embodiment provides the system embodiment may enable a user to complete a common financial services through the mobile terminal, so that users do not always need to go to bank financial operations, it has the advantage of user convenience, in addition, the system is a card reader through obtain the card number, the card number than the average direct input (such as online banking) way to safety, in addition to the above operation of a third party (mobile network) only forward messages exist, card number and password without knowing its act, so it will not the payer's bank card information exposed to a third party payment platform, has a further advantage of improved security. in addition, the system is directly operated by financial institutions, so the system does not have electronic money, so it has the advantage of high security.

[0101] 实施例六 [0101] Sixth Embodiment

[0102] 本实施例提供一种刷卡器,该刷卡器如图7所示,包括: [0102] The present embodiment provides a card reader, the card reader 7, comprising:

[0103] 获取单元71,用于获取用户的卡号以及获取用户的密码; [0103] acquiring unit 71, configured to obtain the user's card number, and obtaining the user's password;

[0104] 加密单元72,用于卡号、密码以及选择的金融服务项目加密和处理后形成金融交易数据,并发送给移动终端; [0104] The encryption unit 72, for the financial services card number, password and the encryption and the process of forming the selected financial transaction data, and sends the mobile terminal;

[0105] 接收单元73,用于接收金融服务项目; [0105] The receiving unit 73, for receiving financial services;

[0106] 认证单元74,用于认证移动终端的正确性,并验证金融服务项目的正确性;[0107] 密钥存储单元75,用于保存从金融机构下载的工作密钥。 [0106] authentication unit 74, a validity authentication of the mobile terminal, and verify the correctness of the financial services; [0107] 75 key storage unit configured to store downloaded the work key from the financial institution.

[0108] 本实施例提供的刷卡器通过获取卡号和密码并发送给移动终端,支持移动终端完成金融操作,因为整个金融操作均无需第三方支付平台,所以其具有安全性高,保障高的优 [0108] excellent card reader provided in the present embodiment by obtaining the card number and password and sends the mobile terminal to support mobile terminal to complete the financial operations, because the entire financial operations are not need third-party payment platform, it has a high security, high security

点ο Point ο

[0109] 本发明提供的技术方案具有安全性高,保障高的优点。 [0109] The present invention provides a technical solution with high safety, high security advantages.

[0110] 以上所述仅为本发明的较佳实施例而已,并不用以限制本发明,凡在本发明的精神和原则之内所作的任何修改、等同替换和改进等,均应包含在本发明的保护范围之内。 [0110] The foregoing is only preferred embodiments of the present invention but are not intended to limit the present invention, any modifications within the spirit and principle of the present invention, equivalent substitutions and improvements should be included in the present within the scope of the invention.

Claims (9)

1. 一种移动支付的方法,其特征在于,所述方法包括: 移动终端显示用户可操作的金融服务项目;移动终端接收用户选择的金融服务项目; 移动终端提示用户刷卡;刷卡器获取用户的卡号和密码,并将卡号、密码以及选择的金融服务项目加密和处理后形成金融交易数据,并将金融交易数据送移动终端;移动终端将金融交易数据通过移动网络发送给金融机构;移动终端接收金融机构返回的响应消息,根据该响应消息向用户提示是否操作成功。 1. A method of mobile payment, characterized in that, said method comprising: a mobile terminal displays a user operable financial services; mobile terminal to receive financial services selected by a user; mobile terminal prompts the user card; card user acquires card number and password and the card number, password, and selected financial services encrypted form and post-processing financial transaction data, financial transaction data and transmitting the mobile terminal; mobile terminal transmits financial transaction data over the mobile network to the financial institution; the mobile terminal receives financial institution response message returned, indicating the success of the operation to the user based on whether the response message.
2.根据权利要求1所述的方法,其特征在于,所述方法在刷卡器获取用户的卡号前,还包括:刷卡器认证移动终端的正确性和安全性,并验证移动终端接收到的服务项目的正确性和安全性。 2. The method according to claim 1, characterized in that, before the method for acquiring the user's swipe card, further comprising: a card reader correctly and safely authenticate the mobile terminal and the mobile terminal to verify the received service correctness and security of the project.
3.根据权利要求1所述的方法,其特征在于,所述用户可操作的金融服务项目具体包括:余额查询、转账、汇款、消费、缴费、还款、充值、账单号付款、公益捐款、账户充值或积分兑换。 3. The method according to claim 1, wherein the user operable financial services including: balance inquiries, transfers, remittances, consumption, payment, payments, recharge, bill payment number, public donations, Make a deposit or redeem.
4.根据权利要求1所述的方法,其特征在于,所述用户可操作的金融服务项目具体包括:包含有消费提示信息的短信,所述短信包括:商品的名称、金额和收款方信息。 4. The method according to claim 1, wherein said user operable particular financial services comprising: a SMS message with a consumer, said message comprising: commodity name, amount, and payee information .
5.根据权利要求1所述的方法,其特征在于,所述用户可操作的金融服务项目具体包括:网页中的金融服务项目。 5. The method according to claim 1, wherein said user operable financial services including: financial services Web page.
6. 一种移动终端,其特征在于,所述移动终端包括: 显示单元,用于显示用户可操作的金融服务项目; 接收单元,用于接收用户选择的金融服务项目; 提示单元,用于提示用户刷卡;获取单元,用于通过刷卡器获取用户的卡号以及获取用户的密码; 所述接收单元,还用于接收刷卡器的金融交易数据,该金融交易数据为卡号、密码以及选择的金融服务项目加密和处理后形成的金融交易数据;发送单元,用于将金融交易数据通过移动网络发送给金融机构; 接收提示单元,用于接收金融机构返回的响应消息,根据该响应消息向用户提示是否操作成功。 A mobile terminal, wherein said mobile terminal comprises: a display unit for displaying a user-operable financial services; receiving means for receiving a user selection of financial services; prompt means for prompting user card; acquisition unit for acquiring a user's card through the card reader and obtaining the user's password; the receiving unit further receives financial transaction data for the card reader, the financial transaction card data, passwords, and the selected financial service encrypted data item and formed after the financial transaction processing; transmitting means for transmitting the financial transaction data over the mobile network to the financial institution; prompt receiving means for receiving a response message returned by the financial institution, the user is prompted whether or not according to the response message Successful operation.
7. 一种刷卡器,其特征在于,所述刷卡器包括:获取单元,用于获取用户的卡号以及获取用户的密码;加密单元,用于卡号、密码以及选择的金融服务项目加密和处理后形成金融交易数据, 并发送给移动终端;认证单元,用于认证移动终端的正确性,并验证金融服务项目的正确性; 密钥存储单元,用于保存从金融机构下载的工作密钥。 A card reader, characterized in that, said card comprising: an acquisition unit for acquiring a user's card and obtaining the user's password; encryption unit for card number, password, and encrypted financial services selected and processed form of financial transaction data, and sends the mobile terminal; authentication unit for authentication of the mobile terminal of correctness, and verify the correctness of financial services; key storage unit for storing downloaded from the financial institution working key.
8. 一种移动支付系统,其特征在于,所述移动支付系统包括:移动终端,与所述移动终端连接的刷卡器和金融机构;移动终端,用于显示用户可操作的金融服务项目,接收用户选择的金融服务项目;提示用户刷卡;刷卡器,用于获取用户的卡号;刷卡器,还用于获取用户的密码,并将卡号、密码以及选择的金融服务项目加密和处理后得到金融交易数据,并通过移动终端发送给金融机构;金融机构,用于验证从移动终端接收到的金融交易数据的正确性,用于对金融交易数据处理,并将处理结果携带在响应消息内发送给移动终端;移动终端,用于接收金融机构返回的响应消息,根据该响应消息向用户提示是否操作成功。 A mobile payment system, wherein the mobile payment system comprising: a mobile terminal, a card and a financial institution connected to the mobile terminal; mobile terminal for displaying a user-operable financial services, receiving user-selected financial services; prompts the user to swipe card; card reader configured to obtain the user's card number; credit card is further configured to obtain the user's password and card number, password encryption, and financial services and selection process after obtaining financial transactions data, and transmits to the mobile terminal by a financial institution; financial institution, for receiving from the mobile terminal to verify the correctness of the financial transaction data, a data processing financial transactions, and the results carried in a response message to the mobile a terminal; the mobile terminal, a financial institution for receiving a response message returned, indicating success if the operation of the user according to the response message.
9.根据权利要求8所述的移动支付系统,其特征在于,所述刷卡器还用于验证移动终端的正确性,还用于验证移动终端接收到的金融服务项目的正确性。 9. The mobile payment system as recited in claim 8, characterized in that the card reader is further configured to verify the correctness of the mobile terminal, the mobile terminal receives the correctness of financial services is used to verify.
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