CN102360478A - Mobile terminal-based payment method and system - Google Patents
Mobile terminal-based payment method and system Download PDFInfo
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- CN102360478A CN102360478A CN2011103128662A CN201110312866A CN102360478A CN 102360478 A CN102360478 A CN 102360478A CN 2011103128662 A CN2011103128662 A CN 2011103128662A CN 201110312866 A CN201110312866 A CN 201110312866A CN 102360478 A CN102360478 A CN 102360478A
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Abstract
The invention provides a mobile terminal-based payment method and system. The payment method comprises the following steps: a payee downloads a payment client from a first mobile terminal; 2, the payee sets order information in the client, wherein the order information at least comprises collection amount and mobile phone numbers of card holder; 3, the first mobile terminal is connected with a card reader; 4, the card holder swipes a bank card on the card reader; 5, the payment client reads magnetic track information of the bank card after the card is successfully swiped, and uploads the magnetic track information to a third party service platform; and 6, the third party service platform issues a money deduction request to a bank POS (point-of-sale) collection channel according to the magnetic track information uploaded by the payment client. According to the method and the system, the equipment cost is lowered to a great extent, all bank card ranges of unionpay can be covered, and servable user groups are greatly increased in the premise of conforming to safe collection.
Description
Technical field
The present invention relates to a kind of electric paying method and system, relate in particular to a kind of method of payment and system based on portable terminal.
Background technology
Along with the fast development of e-commerce industry, be that the parts of traditional industry of representative has also proposed requirements at the higher level for mobile payment with industries such as logistics, insurances.Mobile payment unit of being meant or individual directly or indirectly send payment instruction to bank and other financial mechanism through electric terminal, realize the process of the monetary payoff and the transfer of funds.At present; Mobile POS moves the professional main tool of gathering, and when the user bought commodity, seller was accomplished payment through the POS; From user's bank account, transfer accounts the corresponding amount of money in the bank account (or third party's intermediate account) of seller; But owing to move its hardware cost of POS machine is that hundreds of extremely thousands of units do not wait, and is difficult to extensive use, carries and use all comparatively inconvenience simultaneously; So the payment of POS machine at present generally is applied to the place that payment certain is carried out in market etc., has hindered further popularizing of mobile payment service to a great extent.
Meanwhile; Use universally day by day with the smart mobile phone of apple, An Zhuowei representative, credit card does not have the modes of payments such as card payment and is able to application yet, but still receives the restriction of bank's acceptance range; Usually can only support the credit card kind of limited quantity, the threshold that is difficult to really reduce mobile payment.
Another important tool voice IVR of conventional payment payment is used comparatively ripely, but it is too numerous and diverse to collect the flow process of complete card information and personal information, and it is lower to pay conversion ratio.
Therefore press for a kind of new method of payment and system, improve the deficiency of above-mentioned mobile payment instrument targetedly, use the online needs of collecting money face-to-face down of above industry, the acceleration fund spreads, and promotes the flourishing and development of industry.
Summary of the invention
Technical matters to be solved by this invention provides a kind of method of payment and system based on portable terminal, is carrier with the portable terminal, and the combined type portable card reader provides mobile cashing method and the system that covers all Unionpay's loans, debit card to trade company.
In order to solve the problems of the technologies described above, the present invention has adopted following technical scheme:
A kind of method of payment based on portable terminal comprises:
Step 1, beneficiary are at the first mobile terminal downloads payment client terminal;
Step 2, beneficiary are provided with sequence information in client, described sequence information comprises collection amount and holder's phone number at least;
Step 3, first portable terminal connect card reader;
Step 4, holder brush bank card on card reader;
After step 5, the success of swiping the card, payment client terminal reads the magnetic track information of bank card, and on deliver to third party's service platform;
Step 6; The magnetic track information that third party's service platform is uploaded according to payment client terminal is initiated the request of withholing to the passage of collecting money to bank POS.
Further, described step 6 also comprises:
Third party's service platform judges at first whether this card exists card close; Exist card close in this way; Third party's service platform calls the outer calling platform of voice and initiates outgoing call according to the phone number of holder's input; The card confidential information that holder's back input card confidential information on second portable terminal that receives calls, third party's service platform are collected the magnetic track information that send on the client and outgoing call then is to the bank POS gathering passage initiation request of withholing;
Step 7, bank withhold after the success, the successful information of will withholing feedback payment client terminal, and the holder signs electronically as payment voucher at first portable terminal;
Further, described step 7 also comprises: bank withholds after the success, can point out the holder handwriting input electronic signature at the interface of first portable terminal.
Further, described step 7 also comprises: payment client terminal should sign electronically, sequence information is saved to third party's service platform.
Further, described step 7 also comprises: third party's service platform transmitting short message receipt to the second portable terminal.
Further, also comprise step 8, can first portable terminal initiate Transaction Inquiries and cancel, return goods, subsidiary functions such as batch clearing, operator's debarkation authentication.
Further, described step 6 also comprises: third party's service platform is temporarily preserved magnetic track information, in case after paying successfully, this magnetic track information deletion,
Further, described step 6 also comprises: third party's service platform and temporary transient conserving card confidential information, in case after paying successfully, this card confidential information is deleted automatically.
Further, described step 1 also comprises: running client need be imported on third party's service platform the active coding that is provided with and distributes first, successfully activate first portable terminal after, but information such as beneficiary setting operation person authority;
Further, described step 5 also comprises, obtains the geographical location information of first portable terminal simultaneously, and delivers to third party's service platform with bank card magnetic track information on together;
The present invention simultaneously also provides a kind of payment system based on portable terminal, comprising:
Card reader is used to brush holder's bank card;
First portable terminal is used to download payment client terminal, and described payment client terminal comprises:
Order is provided with module, is used to be provided with sequence information, comprises collection amount and holder's phone number at least;
The magnetic track information acquisition module is used to read people's the bank card magnetic track information of swiping the card;
Third party's service platform can be connected with first mobile terminal network, and said third party's service platform comprises:
The transaction processing module is initiated the request of withholing according to magnetic track information, the card confidential information (can not omit as there being close card) of bank card to bank POS gathering passage;
Bank POS gathering passage, the agreement according to Unionpay and each payment company receives the described request of withholing, and initiates deduction application, and returns the result that withholds and give payment client terminal.
Further, described payment system also comprises: second portable terminal, the note that is used to answer outgoing call, input card is close and receives the result that withholds.
Further, described third party's service platform also comprises:
Outer calling platform, being used for outgoing call, to obtain card close;
Preserve module, be used to preserve electronic signature, sequence information, geographical location information;
The receipt sending module is used for the transmitting short message receipt;
The abnormality processing module, the transaction that can recover aborted is until inquiring definite result.
Settlement handler module when payment client terminal is initiated batch clearing, gathers and preserves the settlement data that send.
Further, described payment client terminal also comprises
Operator's administration module is used for being provided with and managing information such as operator accounts at different levels, password;
Termination management module, the information that is provided with that is used to activate and check portable terminal;
Further, described payment client terminal also comprises:
Transaction Inquiries, the functional module of cancelling and return goods allow the payee to carry out above-mentioned indirect activities feature operation;
Batch settlement module allows the operator to carry out settlement of transactions, on send local deposited gather transaction data to third party's service platform, this emptying.
Load module is used to import holder's mobile terminal number, and when confirming to withhold, imports electronic signature.
Through adopting above-mentioned technical scheme; The present invention realizes the reduction significantly of equipment cost, the only several units of common card reader cost under the prerequisite that satisfies the safety gathering; Simultaneously can pay all bank card scopes of Unionpay, make the user that can serve comprise nearly all crowd; The plug and play of payment on the mobile phone, thus make keeping and use all very convenient.Thereby effectively acceleration gathering flow process improves the efficient of gathering, owing to adopted the safety of the effective payment that improves of collection channel that blocks close separation.
Description of drawings
Fig. 1 is the synoptic diagram of the payment system based on portable terminal of the present invention
Fig. 2 is the connection synoptic diagram of card reader;
Fig. 3 is the process flow diagram of the close process of input card
Embodiment
In order to explain better and to understand technical scheme of the present invention, below in conjunction with diagram the present invention is further explained: combine shown in Figure 1ly, the method for payment based on portable terminal of the present invention comprises:
Step 1, beneficiary be at the first mobile terminal downloads payment client terminal, and running client need be imported the active coding that is provided with and distributes on third party's service platform first, successfully activate first portable terminal after, but information such as beneficiary setting operation person authority;
Step 2, beneficiary are provided with sequence information in client, described sequence information comprises collection amount and holder's phone number at least;
Step 3, first portable terminal connect card reader;
Step 4, holder brush bank card on card reader;
After step 5, the success of swiping the card, payment client terminal reads the magnetic track information of bank card, and geographical location information and the bank card magnetic track information that obtains first portable terminal simultaneously delivered to third party's service platform on together;
Step 6, third party's service platform judge at first whether this card exists card close, in this way then through the outer calling platform of voice to holder's mobile phone (second portable terminal) initiate outgoing call with collect card close (as otherwise can omit this step); Third party's service platform is initiated the request of withholing with the card confidential information (as existing) of magnetic track information that send on the client and outgoing call collection to bank POS gathering passage then;
Step 7, bank withhold after the success, the successful information of will withholing feedback payment client terminal, and the holder signs electronically as payment voucher at beneficiary cell-phone customer terminal (first portable terminal);
Step 8, can first portable terminal initiate Transaction Inquiries and cancel, return goods, subsidiary functions such as batch clearing, operator's debarkation authentication.
As shown in Figure 1, the present invention also provides a kind of payment system based on portable terminal, comprising:
Card reader is used to brush holder's bank card;
First portable terminal is used to download payment client terminal, and described payment client terminal comprises:
Operator's administration module is used for being provided with and managing information such as operator accounts at different levels, password;
Termination management module, the information that is provided with that is used to activate and check portable terminal;
Order is provided with module, is used to be provided with sequence information, comprises collection amount and holder's phone number at least;
The magnetic track information acquisition module is used to read people's the bank card magnetic track information of swiping the card;
Transaction Inquiries, the functional module of cancelling and return goods allow the payee to carry out above-mentioned indirect activities feature operation;
Batch settlement module allows the operator to carry out settlement of transactions, on send local deposited gather transaction data to third party's service platform, this emptying.
Load module is used to import holder's mobile terminal number, and when confirming to withhold, imports electronic signature.
Third party's service platform can be connected with first mobile terminal network, and said third party's service platform comprises:
Outer calling platform, being used for outgoing call, to obtain card close;
Preserve module, be used to preserve electronic signature, sequence information, geographical location information;
The receipt sending module is used for the transmitting short message receipt;
The abnormality processing module, the transaction that can recover aborted is until inquiring definite result.
The transaction processing module is initiated the request of withholing according to magnetic track information, the card confidential information (can not omit as there being close card) of bank card to bank POS gathering passage;
Settlement handler module when payment client terminal is initiated batch clearing, gathers and preserves the settlement data that send.
Bank POS gathering passage, the agreement according to Unionpay and each payment company receives the described request of withholing, and initiates deduction application, and returns the result that withholds and give payment client terminal.
Second portable terminal, the note that is used to answer outgoing call, input card is close and receives the result that withholds.
The practical operation scene of being had jurisdiction over business personnel B with the A of trade company below illustrates a kind of method of payment based on portable terminal of the present invention, comprises the steps:
Step 1: the A of trade company obtains the active coding that this platform generates in the registration of contracting of third party's service platform;
Step 2: business personnel B downloads payment client terminal on mobile phone; Open client first, the input active coding carries out endpoint registration; And newly-increased operator, distribute authority;
Step 3: business personnel B imports oneself on payment client terminal operation teller number carries out authentication with password;
Step 4: business personnel B is provided with sequence information (amount of money, order number, remark information and holder's phone number, wherein the amount of money and holder's phone number are necessary cuit);
Step 5: business personnel B connects card reader;
Step 6: holder C is in the operation of swiping the card of this card reader;
Step 8: payment client terminal will read magnetic track information and holder's cell-phone number is sent to third party's service platform; Collect the geographical location information that collect at the client place simultaneously, send third party's service platform to preserve;
Step 9: third party's service platform determines the follow-up outgoing call flow process that whether has according to whether for close card is arranged;
Step 10: exist card close like this card, then outer calling platform was initiated outgoing call to holder's mobile phone after some seconds;
Step 11: holder's answering cell phone, play cuing (can interrupt) at first, holder's input card is close and confirm;
Step 12: the bank card magnetic track information that third party's service platform is submitted payment client terminal to and the card confidential information (as for close card is arranged) of IVR channel transfer make up, and the submission bank POS is received single interface, and etc. to be feedback;
Step 13: judge whether deduction application is successful, if the deduction application success, bank provides successfully prompting, and third party's service platform is notified payment client terminal with form of message; The payment client terminal failure cause is then notified in the failure if withhold, and returns step 6.
Step 14: payment client terminal provides the payment successful information, and reminds the holder to import signature;
Step 15: holder C touch-screen input signature, payment client terminal submits to third party's service platform to preserve this signature;
Step 16: third party's service platform is to holder's mobile phone note of issuing a notice.
Step 17: payment client terminal can be initiated Transaction Inquiries and cancelled, returns goods function, the flow processs such as function is swiped the card with reference to swiping the card transaction, being divided into equally, IVR outgoing call of wherein cancelling, return goods.
Step 18: after business personnel B accomplishes business operation, can select batch clearing and withdraw from the state of landing, batch clearing will add ups the transaction data of this locality, on deliver to third party's service platform, remove the associated transaction data that client is preserved afterwards.
The foregoing description is illustrative principle of the present invention and effect thereof only, but not is used to limit the present invention.Any those skilled in the art all can be under spirit of the present invention and category, and the foregoing description is modified and changed.Therefore, rights protection scope of the present invention should be listed like claims.
Claims (18)
1. the method for payment based on portable terminal is characterized in that, comprises the steps:
Step 1, beneficiary are at the first mobile terminal downloads payment client terminal;
Step 2, beneficiary are provided with sequence information in client, described sequence information comprises collection amount and holder's phone number at least;
Step 3, first portable terminal connect card reader;
Step 4, holder brush bank card on card reader;
After step 5, the success of swiping the card, payment client terminal reads the magnetic track information of bank card, and on deliver to third party's service platform;
Step 6; The magnetic track information that third party's service platform is uploaded according to payment client terminal is initiated the request of withholing to the passage of collecting money to bank POS.
2. the method for payment based on portable terminal according to claim 1 is characterized in that, described step 6 also comprises:
Third party's service platform judges at first whether this card exists card close; As exist card close; Third party's service platform calls the outer calling platform of voice and initiates outgoing call according to the phone number of holder's input; The card confidential information that holder's back input card confidential information on second portable terminal that receives calls, third party's service platform are collected the magnetic track information that send on the client and outgoing call then is to the bank POS gathering passage initiation request of withholing.
3. the method for payment based on portable terminal according to claim 2; It is characterized in that; Also comprise: step 7, bank withhold after the success, the successful information of will withholing feedback payment client terminal, and the holder signs electronically as payment voucher at first portable terminal.
4. the method for payment based on portable terminal according to claim 3 is characterized in that, described step 7 also comprises: bank withholds after the success, can point out the holder handwriting input electronic signature at the interface of first portable terminal.
5. the method for payment based on portable terminal according to claim 4 is characterized in that, described step 7 also comprises: payment client terminal should sign electronically, sequence information is saved to third party's service platform.
6. the method for payment based on portable terminal according to claim 5 is characterized in that, described step 7 also comprises: third party's service platform transmitting short message receipt to the second portable terminal.
7. according to claim 1 or 6 described methods of payment, it is characterized in that based on portable terminal, also comprise step 8, can first portable terminal initiate Transaction Inquiries and cancel, return goods, subsidiary functions such as batch clearing, operator's debarkation authentication.
8. the method for payment based on portable terminal according to claim 7 is characterized in that, described step 6 also comprises: third party's service platform is temporarily preserved magnetic track information, in case after paying successfully, this magnetic track information deletion.
9. the method for payment based on portable terminal according to claim 8 is characterized in that, described step 6 also comprises: third party's service platform and temporary transient conserving card confidential information, in case after paying successfully, this card confidential information is deleted automatically.
10. the method for payment based on portable terminal according to claim 1; It is characterized in that; Described step 1 also comprises: running client need be imported the active coding that is provided with and distributes on third party's service platform first; After success activates first portable terminal, but information such as beneficiary setting operation person authority.
11. the method for payment based on portable terminal according to claim 1; It is characterized in that further, described step 5 also comprises; Obtain the geographical location information of first portable terminal simultaneously, and deliver to third party's service platform on together with bank card magnetic track information.
12. the payment system based on portable terminal is characterized in that, comprising:
Card reader is used to brush holder's bank card;
First portable terminal is used to download payment client terminal, and described payment client terminal comprises:
Order is provided with module, is used to be provided with sequence information, comprises collection amount and holder's phone number at least;
The magnetic track information acquisition module is used to read people's the bank card magnetic track information of swiping the card;
Third party's service platform can be connected with first mobile terminal network, and said third party's service platform comprises:
The transaction processing module is initiated the request of withholing according to the magnetic track information of bank card to bank POS gathering passage;
Bank POS gathering passage, the agreement according to Unionpay and each payment company receives the described request of withholing, and initiates deduction application, and returns the result that withholds and give payment client terminal.
13. the payment system based on portable terminal according to claim 12 is characterized in that, also comprises:
Second portable terminal, the note that is used to answer outgoing call, input card is close and receives the result that withholds;
Said transaction processing module is initiated the request of withholing according to bank card magnetic track information and card confidential information to bank POS gathering passage.
14. the payment system based on portable terminal according to claim 13 is characterized in that, described payment client terminal also comprises: load module is used to import holder's mobile terminal number, and when confirming to withhold, imports electronic signature.
15. the payment system based on portable terminal according to claim 14 is characterized in that, further, described third party's service platform also comprises:
Outer calling platform, being used for outgoing call, to obtain card close;
Data are preserved module, are used to preserve electronic signature, sequence information, geographical location information;
The receipt sending module is used for the transmitting short message receipt.
16. the payment system based on portable terminal according to claim 15 is characterized in that, described third party's service platform also comprises:
The abnormality processing module, the transaction that can recover aborted is until inquiring definite result.
Settlement handler module when payment client terminal is initiated batch clearing, gathers and preserves the settlement data that send.
17., it is characterized in that described payment client terminal also comprises according to claim 12 or 16 described payment systems based on portable terminal:
Operator's administration module is used for being provided with and managing information such as operator accounts at different levels, password;
Termination management module, the information that is provided with that is used to activate and check portable terminal.
18. the payment system based on portable terminal according to claim 17 is characterized in that, described payment client terminal also comprises:
Transaction Inquiries, the functional module of cancelling and return goods allow the payee to carry out above-mentioned indirect activities feature operation;
Batch settlement module allows the operator to carry out settlement of transactions, on send local deposited gather transaction data to third party's service platform, this emptying.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011103128662A CN102360478A (en) | 2011-10-14 | 2011-10-14 | Mobile terminal-based payment method and system |
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| Application Number | Priority Date | Filing Date | Title |
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| CN2011103128662A CN102360478A (en) | 2011-10-14 | 2011-10-14 | Mobile terminal-based payment method and system |
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| CN102360478A true CN102360478A (en) | 2012-02-22 |
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| CN2011103128662A Pending CN102360478A (en) | 2011-10-14 | 2011-10-14 | Mobile terminal-based payment method and system |
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Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102867376A (en) * | 2012-08-03 | 2013-01-09 | 广州普联信息技术有限公司 | Interactive voice response payment method, terminal and interactive voice response payment method system |
| CN103514538A (en) * | 2012-06-21 | 2014-01-15 | 深圳盒子支付信息技术有限公司 | Method and system for implementing magnetic card payment of the Internet |
| CN103578207A (en) * | 2012-07-20 | 2014-02-12 | 中国移动通信集团公司 | Data processing method, device and system and relevant equipment |
| WO2014176805A1 (en) * | 2013-04-28 | 2014-11-06 | Tencent Technology (Shenzhen) Company Limited | Method, apparatus, and system for business processing |
| CN104658133A (en) * | 2015-02-13 | 2015-05-27 | 深圳支付界科技有限公司 | Automatic settlement method and system |
| WO2015096754A1 (en) * | 2013-12-27 | 2015-07-02 | 福建联迪商用设备有限公司 | Smart device-based payment platform system and payment method |
| CN105279642A (en) * | 2014-12-26 | 2016-01-27 | 张志恒 | Payment method based on data push |
| WO2017016036A1 (en) * | 2015-07-28 | 2017-02-02 | 宇龙计算机通信科技(深圳)有限公司 | Payment method, payment control apparatus and system |
-
2011
- 2011-10-14 CN CN2011103128662A patent/CN102360478A/en active Pending
Cited By (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103514538A (en) * | 2012-06-21 | 2014-01-15 | 深圳盒子支付信息技术有限公司 | Method and system for implementing magnetic card payment of the Internet |
| CN103514538B (en) * | 2012-06-21 | 2016-10-05 | 深圳盒子支付信息技术有限公司 | The realization method and system that the magnetic card of internet pays |
| CN103578207A (en) * | 2012-07-20 | 2014-02-12 | 中国移动通信集团公司 | Data processing method, device and system and relevant equipment |
| CN103578207B (en) * | 2012-07-20 | 2015-12-02 | 中国移动通信集团公司 | A kind of data processing method, device, system and relevant device |
| CN102867376A (en) * | 2012-08-03 | 2013-01-09 | 广州普联信息技术有限公司 | Interactive voice response payment method, terminal and interactive voice response payment method system |
| CN102867376B (en) * | 2012-08-03 | 2016-03-16 | 易联支付有限公司 | A kind of interactive voice answering method of payment, terminal and system |
| WO2014176805A1 (en) * | 2013-04-28 | 2014-11-06 | Tencent Technology (Shenzhen) Company Limited | Method, apparatus, and system for business processing |
| WO2015096754A1 (en) * | 2013-12-27 | 2015-07-02 | 福建联迪商用设备有限公司 | Smart device-based payment platform system and payment method |
| CN105279642A (en) * | 2014-12-26 | 2016-01-27 | 张志恒 | Payment method based on data push |
| CN104658133A (en) * | 2015-02-13 | 2015-05-27 | 深圳支付界科技有限公司 | Automatic settlement method and system |
| WO2017016036A1 (en) * | 2015-07-28 | 2017-02-02 | 宇龙计算机通信科技(深圳)有限公司 | Payment method, payment control apparatus and system |
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Application publication date: 20120222 |