CN102222294A - Novel mobile phone payment method - Google Patents
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- CN102222294A CN102222294A CN2011101909554A CN201110190955A CN102222294A CN 102222294 A CN102222294 A CN 102222294A CN 2011101909554 A CN2011101909554 A CN 2011101909554A CN 201110190955 A CN201110190955 A CN 201110190955A CN 102222294 A CN102222294 A CN 102222294A
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Abstract
The invention relates to the mobile phone communication and scanning technology and discloses a novel mobile phone payment method, so as to realize real-time mobile phone payment without a special POS (point-of-sale) machine and solve the problems that the traditional mobile phone payment mode has laminations and high cost. The key points in the technical scheme are as follows: a. bar code scanning software and mobile phone payment software are installed in a mobile phone; b. when a user needs to carry out mobile phone payment, a bar code of a payee is scanned by a mobile phone scanning window; c. a mobile phone master chip identifies the bar code of the payee and resolves the relevant information of the payee; d. the user inputs the amount of transaction and payment password after selecting a payment account; e. the mobile phone master chip transmits payment request information including the relevant information of the payee to the corresponding bank platform; and f. the bank platform processes the payment request information and returns a processing result. The novel mobile phone payment method is suitable for transaction with merchants and individuals.
Description
Technical field
The present invention relates to mobile communication and scanning technique, relate to a kind of method that adopts mobile phone to carry out and pay by mails specifically, it can progressively replace the circulation of bank note.
Background technology
Along with the development of electronic money, in order to boost consumption and to make things convenient for the client, the credit card of the annual distribution of bank is more and more, and people go out shopping does not again need to carry buckets of cash, and only need be with a last slight card, and both safety was also saved the trouble of small change.But the place that reality is a credit card can pass unimpeded seldom, bank also will issue POS (point of sales terminal) machine that can swipe the card for businessman in the distribution credit card, whether sincere this is a huge cost, also will bear simultaneously businessman's risk, comprises the arbitrage problem that may occur.Therefore the businessman that is equipped with the POS machine at present is also few, according to incompletely statistics, and in each aspect of social life; the ratio that use POS machine is swiped the card is less than 8%; people also run into because the POS machine of a businessman goes wrong through regular meeting, and cause the phenomenon that can't swipe the card, and are very inconvenient.
On the other hand, " mobile-phone payment " this notion is not strange for people, and mobile-phone payment mode of the prior art mainly contains three kinds:
1. mobile phone electronic wallet payment: the user deposits certain expense simultaneously in its mobile phone account, in this modes of payments, mobile operator provides the mobile phone account of similar bank account for the user, but the mode of this collection charges makes mobile operator have super scope to manage the suspicion of financial business, therefore, this modes of payments is just being used among a small circle with under the little trading situation.
2. third party's bill payment: the account (debit account) that at first needs the user to open to cooperate with third party's payment company, the user deposits certain expense simultaneously in its account then, associate with password and above-mentioned account again, when the user need carry out online transaction, utilize the account (debit account) to pay to trade company, be mainly used in and on PC, realize online payment, for example Alipay of Taobao etc.
3. Unionpay's payment: the mobile-phone payment of present Unionpay, user's ID (identity number) card information and bank account information and the corresponding binding of phone number need be got up, utilize the mobile phone that SD card function is arranged again, the information reproduction that above-mentioned corresponding binding is got up is to the SD card, (this SD jig has the NFC function, be the near field payment function) be embedded on the user mobile phone again and pay, because the capacity limit of SD card and involve external patent, every SD card is merely able to store the information of 12 tame bank cards, and this is inequitable for other bank; When needs are paid, mobile phone is placed on (" brush " machine) near the special-purpose POS machine, set up signal contact, send payment request information by special-purpose POS machine to the SD of mobile phone card, bank's platform handled and is sent to again by the SD card of mobile phone to solicited message, by the information interaction between bank's platform and the mobile phone, finish payment at last; Because the bonnet of considerable part mobile phone is arranged is to make with metal, mobile phone and bank's platform between when carrying out information interaction, signal can be affected; Certainly, also there is part businessman adopt to embed the mode of NFC chip in the SIM card, send payment request information by special-purpose POS machine to the SIM card of mobile phone, the SIM card of mobile phone handles and is sent to bank's platform again to solicited message, by the information interaction between bank's platform and the mobile phone, finish payment at last; No matter but which kind of situation, the POS machine that all needs special use cooperates finishes payment.
To sum up, more than in three kinds of modes of payments, preceding two kinds of modes of payments all have limitation, all need deposit the fund of certain amount of money in the account of the other side's appointment in advance, the insufficient in amount that prestores can and certain negative effect be arranged to user's capital management like this, if also can influence Transaction Success; And, be used for carrying out mobile-phone payment if want in places such as market, supermarkets, the special-purpose POS machine of setting up in order to read user profile (adopting the NFC mode or the mode of directly swiping the card no matter be) just must be arranged, with high costs, if there is not the POS machine of this special use, just can not realize mobile-phone payment, for the user, also be very inconvenient; For the third modes of payments, be that Unionpay's payment is more much better than preceding two kinds of modes of payments, the user need not pre-deposit the fund of certain amount of money in the account of appointment, as long as have bank account, but also still need lay the information read device (POS machine) of specialty in the transaction place, with high costs.
Summary of the invention
Technical matters to be solved by this invention is: the method that proposes a kind of novel employing mobile-phone payment, realize payment whenever and wherever possible in the place that has mobile phone signal to cover, and need not special-purpose POS machine, solving the conventional mobile phone modes of payments has limitation, problem that cost is high.
The present invention solves the problems of the technologies described above the technical scheme that is adopted: a kind of novel mobile phone method of payment may further comprise the steps:
A., bar code scanning software and mobile-phone payment software are installed in mobile phone;
B. when the user need carry out mobile-phone payment, read by the bar code of mobile telephone scanning window to beneficiary;
C. the mobile phone master chip is discerned the bar code of beneficiary and is parsed the beneficiary relevant information by bar code scan software;
D. the user selects payment account, input dealing money and payment cipher;
E. the mobile phone master chip sends the payment request information that comprises the beneficiary relevant information by mobile-phone payment software to bank's platform of correspondence;
F. bank's platform is handled payment request information, and returns result.
Further, before step a, also comprise step:
A0. open the data exchanging function of mobile phone, described data exchanging function is GPRS or WIFI function.
Further, the support of bar code scan software described in the step a reading and discerning to one dimension sign indicating number, two-dimension code, three-dimensional sign indicating number.
Further, mobile-phone payment software described in the step a adopts 128 SSL or more high-order SSL to encrypt.
Further, the bar code of beneficiary described in the step b is organization mechanism code or ID (identity number) card No..
Further, among the step b, described mobile telephone scanning window is the barcode scanner that mobile phone carries camera or increases on mobile phone.
Further, the bar code of beneficiary described in the step b is the identification code related with organization mechanism code or ID (identity number) card No., and described identification code is bank account number or phone number or people's name or trade name or fingerprint or the biological sign indicating number of iris or operation license numbering or fuselage code or automatic vending machine numbering or set-top box numbering or social security card number or a driving license numbering.
Further, also comprise among the step b: the bar code to transaction reads.
Further, the beneficiary relevant information comprises described in the step c: beneficiary title, collecting account information.
Further, among the step f, bank's platform is handled payment request information, and all returns result to user and beneficiary.
The invention has the beneficial effects as follows: directly the parties bar code is scanned by the mobile telephone scanning window, under the cooperation of bar code scan software, discern and parse the parties relevant information by the mobile phone master chip, under the cooperation of mobile-phone payment software, generate payment request information by the mobile phone master chip again, and carry out mutual between bank's platform, finally finish payment, this method can be in the place that has mobile phone signal to cover (no matter be the cellular base station pattern, the GPRS pattern, satellite mode, WIFI, the HSPDA isotype) realize mobile-phone payment whenever and wherever possible, there is not limitation, also need not special-purpose POS machine, cost is low.
Description of drawings
Fig. 1 is the hand set paying method process flow diagram among the present invention.
Embodiment
The present invention is further illustrated below in conjunction with drawings and Examples.
Have limitation, problem that cost is high at traditional mobile-phone payment mode, the present invention proposes a kind of method of novel employing mobile-phone payment, by adopting the scanning window on the mobile phone directly the other side's bar code to be read, real-time mobile-phone payment be can realize and special-purpose POS machine or out of Memory fetch equipment need not, reduce cost significantly, also make things convenient for the user to conclude the business.
As shown in Figure 1, realization means of the present invention comprise:
A., bar code scanning software and mobile-phone payment software are installed in mobile phone;
For bar code scan software, it belongs to the very ripe software of a kind of technology, can directly download on the net or exploitation voluntarily, install by the mode that copies again after downloading, but this software matching with mobile phone camera or barcode scanner use, can successfully read following information: short message, telephone number, any literal, the name frame, geographic coordinate, Email or address information, it supports the barcode types of discerning to comprise one dimension sign indicating number, two-dimension code even the multidimensional code of present main flow, three-dimensional sign indicating number; For mobile-phone payment software; its function class is similar to the mobile phone software for speculation on stocks that present securities dealer releases; before use; the user can by this software with identification card number with bind in the number of the account of opening an account of each tame bank; during use; the user can access relevant payment interface; be chosen in the number of the account of opening an account of certain tame bank; the input dealing money; payment cipher gets final product, and this software can be researched and developed voluntarily by businessman, for guaranteeing security; adopt higher 128 SSL of commercial rank (a kind of encryption technology) or more high-order SSL to encrypt; unique overtime protection; data dump maltilevel security defencive function certainly, also can be selected other cipher mode.
B. when the user need carry out mobile-phone payment, read by the bar code of mobile telephone scanning window to beneficiary;
Wherein, the camera that the mobile telephone scanning window can directly adopt mobile phone to carry is also realized by increase barcode scanner on mobile phone; Here can (be applicable to for seller's institutional framework code to the beneficiary bar code in the market, the consumption of places of business such as supermarket), also can be the other side's ID (identity number) card No. (being applicable to and person-to-person transaction), even can also be the bank account number related with organization mechanism code or ID (identity number) card No., phone number, people's name, trade name, biological sign indicating number of fingerprint or iris or operation license numbering, fuselage code, the automatic vending machine numbering, the set-top box numbering, the social security card number, driving license numbering etc., in other words, as long as can in theory all can realize with the feature that unique identify label of the other side is associated, this is because in case identify certain feature, so just can identify the unique identify label related with it, also just can determine the other side's relevant information, and then realize transaction.
In order to make the more clear content of good of transaction this time of user, the user can also adopt the mobile telephone scanning window that the bar code of commodity is read and stores.
C. the mobile phone master chip is discerned the bar code of beneficiary and is parsed the beneficiary relevant information by bar code scan software;
The mobile phone master chip is discerned and is resolved beneficiary relevant information (beneficiary title, collecting account information) under the cooperation of bar code scan software, realize this purpose, a precondition is arranged: promptly beneficiary needs to put on record at bank's platform in advance, carries out related with collecting account, beneficiary title in this bank oneself organization mechanism code or the further feature described in ID (identity number) card No. or the step b; Equally, also can related out of Memory, such as: the contact method of beneficiary etc.
D. the user selects payment account, input dealing money and payment cipher;
The user can access the mobile-phone payment interface, as: payment interface can be designed to network bank business based platform interface popular on the present PC, the icon that presents how tame bank, each icon can be linked to the number of the account of opening an account of corresponding bank, the user only needs clickable icon can select the number of the account of opening an account of corresponding bank, and expression user desire adopts the account payment in this bank, after selecting bank account, import the amount of money of this transaction, import payment cipher again; Certainly, also can be before mobile-phone payment software uses, by the user open an account number of the account and the password of the corresponding account of associated bank bound, so only be used in and originally input password one time, in follow-up process of exchange, only need the input dealing money, determine then to get final product, this all can realize by software design.
For above-mentioned payment account, can be bank account, also can be non-banking account (as: Alipay account etc.), promptly as long as the electronic transaction mode that can support of seller all can realize, no longer give unnecessary details here.
E. the mobile phone master chip sends the payment request information that comprises the beneficiary relevant information by mobile-phone payment software to bank's platform of correspondence;
The mobile phone master chip generates payment request information under the cooperation of mobile-phone payment software, comprised beneficiary relevant information (being beneficiary title, collecting account information) in this payment request information, also comprise information such as this dealing money, payment request information is sent to corresponding bank's platform (as: user has selected the bank account of Construction Bank to pay, and then this payment request information is sent to bank's platform of Construction Bank).
F. bank's platform is handled payment request information, and returns result;
Corresponding bank's platform is after receiving payment request information, this information is handled: promptly check the user of the phone number association that sends this information bank account information, balance amount information, withhold, money squeezed into beneficiary account etc. from user's bank account, for both parties can both see this transaction results, then result can be returned to both parties, transaction results is successful payment information or Payment Failed information, if successful payment then returns paying party name, Send only Account, beneficiary title, beneficiary account, dealing money; If Payment Failed then returns information such as paying party name, Send only Account, beneficiary title, beneficiary account, Payment Failed reason, above-mentioned information can according to country and industry requirement be selected and additions and deletions.
Embodiment:
Because in the mobile-phone payment process in later stage, need and bank's platform between carry out mutual, therefore need at first to guarantee that mobile phone is Internet enabled, that relatively more commonly used is GPRS (packet radio technology) or WIFI (wireless Internet access) now, all possesses quick networking, expense advantage of reasonable; After opening function of surfing the Net, bar code scanning software and mobile-phone payment software need be installed in mobile phone, after mobile-phone payment software is installed, the user import personal identification number with in the number of the account of opening an account of each tame bank, can use (prerequisite is that the user need put on record in each the tame bank that opens an account: binding ID (identity number) card information, bank account information and phone number information); When the user need be when consume in certain market/supermarket, determine that at first mobile phone is in open state, access the mobile-phone payment interface then, click the icon of certain the tame bank on the interface, promptly be linked to the number of the account of opening an account of this bank of family, the organization mechanism code of aiming at this market/supermarket with mobile phone cam scans, and also the bar code to commodity scans, the process of concrete scanning cooperates the bar code scanning software to finish by the mobile phone master chip, the mobile phone master chip is discerned and is resolved above-mentioned organization mechanism code by bar code scan software, parse the title in this market/supermarket, collecting account information etc., the user imports the amount of money and the payment cipher of this transaction in the mobile-phone payment interface then, mobile phone master chip and mobile-phone payment software can send payment request information to bank's platform at the number of the account place of opening an account that the user selects, the title that has just comprised this market/supermarket in this payment request information, collecting account information, dealing money or the like, bank's platform is handled payment request information after receiving payment request information, and the result after will handling returns to both parties.
Above-mentioned payment flow carries out at market/supermarket, in like manner can realize interindividual mobile-phone payment, and just scanned objects is the other side's a identification card number.
The application's scheme required for protection comprises but is not limited only to the foregoing description; for a person skilled in the art; changing the technique effect that reaches same slightly according to the description of the foregoing description is to realize easily; so every corresponding modify that might be utilized and be equal to replacement all belongs to protection scope of the present invention.
Claims (10)
1. novel mobile phone method of payment is characterized in that: may further comprise the steps:
A., bar code scanning software and mobile-phone payment software are installed in mobile phone;
B. when the user need carry out mobile-phone payment, read by the bar code of mobile telephone scanning window to beneficiary;
C. the mobile phone master chip is discerned the bar code of beneficiary and is parsed the beneficiary relevant information by bar code scan software;
D. the user selects payment account, input dealing money and payment cipher;
E. the mobile phone master chip sends the payment request information that comprises the beneficiary relevant information by mobile-phone payment software to bank's platform of correspondence;
F. bank's platform is handled payment request information, and returns result.
2. a kind of novel mobile phone method of payment as claimed in claim 1 is characterized in that: comprised also that before step a step: a0. opens the data exchanging function of mobile phone, described data exchanging function is GPRS function or WIFI function.
3. a kind of novel mobile phone method of payment as claimed in claim 1 or 2 is characterized in that: the support of the software of bar code scan described in the step a is read and is discerned one dimension sign indicating number, two-dimension code, three-dimensional sign indicating number.
4. a kind of novel mobile phone method of payment as claimed in claim 1 or 2 is characterized in that: the software of mobile-phone payment described in the step a adopts 128 SSL or more high-order SSL to encrypt.
5. a kind of novel mobile phone method of payment as claimed in claim 1 or 2 is characterized in that: the bar code of beneficiary described in the step b is organization mechanism code or ID (identity number) card No..
6. a kind of novel mobile phone method of payment as claimed in claim 1 or 2, it is characterized in that: the bar code of beneficiary described in the step b is the identification code related with organization mechanism code or ID (identity number) card No., and described identification code is bank account number or phone number or people's name or trade name or fingerprint or the biological sign indicating number of iris or operation license numbering or fuselage code or automatic vending machine numbering or set-top box numbering or social security card number or a driving license numbering.
7. a kind of novel mobile phone method of payment as claimed in claim 1 or 2 is characterized in that: also comprise among the step b: the bar code to transaction reads.
8. a kind of novel mobile phone method of payment as claimed in claim 1 or 2 is characterized in that: the relevant information of beneficiary described in the step c comprises: beneficiary title, collecting account information.
9. a kind of novel mobile phone method of payment as claimed in claim 1 or 2 is characterized in that: the window of mobile telephone scanning described in the step b is the barcode scanner that mobile phone carries camera or increases on mobile phone.
10. as claim 1 or 2 any described a kind of novel mobile phone methods of payment, it is characterized in that: among the step f, bank's platform is handled payment request information, and all returns result to user and beneficiary.
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| CN2011101909554A CN102222294A (en) | 2011-05-31 | 2011-07-08 | Novel mobile phone payment method |
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| CN2011101909554A CN102222294A (en) | 2011-05-31 | 2011-07-08 | Novel mobile phone payment method |
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