CN102651108A - Non-connection-based Bluetooth mobile payment system - Google Patents

Non-connection-based Bluetooth mobile payment system Download PDF

Info

Publication number
CN102651108A
CN102651108A CN2012100992690A CN201210099269A CN102651108A CN 102651108 A CN102651108 A CN 102651108A CN 2012100992690 A CN2012100992690 A CN 2012100992690A CN 201210099269 A CN201210099269 A CN 201210099269A CN 102651108 A CN102651108 A CN 102651108A
Authority
CN
China
Prior art keywords
bluetooth
businessman
payment
information
mobile
Prior art date
Application number
CN2012100992690A
Other languages
Chinese (zh)
Inventor
徐彬
朱洪海
Original Assignee
徐彬
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 徐彬 filed Critical 徐彬
Priority to CN2012100992690A priority Critical patent/CN102651108A/en
Publication of CN102651108A publication Critical patent/CN102651108A/en

Links

Abstract

The invention discloses a non-connection-based Bluetooth mobile payment system utilizing Bluetooth as an information carrier, the purpose of the invention is to provide a mobile phone payment solution applicable to most of mobile phones, and the invention solves the limitation of an NFC (Near Field Communication) chip as the mobile phone payment solution. The core of the invention is as follows: the Bluetooth device information of a retailer is acquired by a mobile phone, the payment information of the retailer is then acquired from a server according to the Bluetooth device information, the whole process does not need Bluetooth matching and connection, and thereby rapid transaction can be realized. The design of the non-connection-based Bluetooth mobile payment system is ingenious, and the non-connection-based Bluetooth mobile payment system is easy to implement, does not need new hardware, and is safer and more reliable.

Description

Based on disconnected bluetooth mobile-payment system

Technical field

The present invention relates to a kind of mobile-payment system, make most of mobile phone terminals realize that mobile payment becomes possibility.

Background technology

At present the mobile payment mode is a lot, had on the market multiplely to replace traditional credit card mode through the mobile-phone payment mode, but these solutions all needs client to increase new hardware mostly and can not realize payment function very easily; As, the Google wallet solution as Google proposes needs mobile phone that the support of NFC chip is arranged, and makes that it can not be by large-scale application.The Square solution needs additional hardware to read credit card information, and these have all limited large-scale use mobile payment greatly.

In view of the serious hope of people to mobile payment, the ripe solution of neither one makes all cellphone subscribers to use again at present; Thereby the present invention obtains the payment account information of businessman's registration as information carrier through bluetooth; Present most of mobile phone all has bluetooth, and scheme is promoted by large tracts of land for this reason becomes possibility; The lower J2ME of the early stage performance of picture, the WINCE mobile phone can both be implemented; This be with the NFC chip as mobile-phone payment can not compare; And bluetooth discovery very fast, can search out bluetooth equipment on every side fast in general very short time, thereby make this scheme that the technical feasibility guarantee arranged; Had this system can do a lot of expansions, shopping that can recording user is historical, realizes that the user of commodity estimates the member card of user bound etc.;

Patent " Bluetooth cellular phone-POS machine method of payment and system " (application number 200910009229.0) and " Bluetooth mobile payment terminal, method of payment and system " (application number 200810104873.1) are with the present invention's technology difference; The Technology Need that these two patents relate to is set up direct communication and is got in touch between mobile phone end and trade company's machine; Need bluetooth equipment to mate and the process that is connected; More consuming time and not easy to operate, make it not promoted by large tracts of land; The present invention then need not contact directly, the coupling that does not have a bluetooth be connected, thereby have higher security and rapidity.

Summary of the invention

In the general mobile payment process; Need user mobile phone terminal that the NFC chip is arranged; Perhaps certain card-reading apparatus; And the present invention and these payment difference is to utilize the built-in bluetooth module of portable terminal to obtain the bluetooth information that businessman sets under the Bluetooth communication prerequisite need not matching and set up, and is starting point with this information, obtains Business Information and final through server and accomplishes payment.

Like Fig. 1, businessman is provided with a bluetooth equipment earlier, and in server registered trader's information, like payment informations such as bluetooth device address, title and businessman's title, bank accounts.Can be before the user uses in advance at server registration, the account information of binding oneself is so that later on can rapid payment.

When needs were paid, the bluetooth module that the user carries through mobile phone terminal found the bluetooth information of businessman, used this information from server, to inquire about and obtain Business Information (containing the payment account information) then.The user pays the bill to this Merchant ID through network.Behind the successful payment, server will be notified businessman and user payment information this time, and last businessman confirms to server the delivery back.

  

Whole payment process is following:

1. businessman opens the bluetooth equipment of oneself and disposes bluetooth information, then registered trader's information in server: payment account, bluetooth equipment information, trade company's name, contact method etc.;

(necessary, as only to need to carry out once)

2. the user is bundled in bank card disbursement account information on the handset program;

3. the bluetooth information around the user obtains through handset program scanning when paying;

4. the user program Business Information and the demonstration that obtain the bluetooth information of gathering to bind through server;

5. the user pays the transaction fund through program the payment account of businessman;

6. businessman and user are notified Transaction Success and are shown concrete payment information;

7. businessman delivers and confirms to server, accomplishes transaction;

Description of drawings

Fig. 1 is payment flow figure of the present invention.

Embodiment

In conjunction with Fig. 1, specify a specific embodiment of the present invention, but claim of the present invention is not done any qualification.In mobile-payment system structure of the present invention, include 1 server, 2 users (bluetooth cellular phone), 3 businessmans;

Businessman at first need provide 31 bluetooth equipments, makes its bluetooth information to be found by user mobile phone;

The registration of a businessman: businessman is registered to server to the account information of oneself, trade company's name, contact method, bluetooth equipment information;

B acquisition businessman sign: when the user pays, at first open program, program can be searched for bluetooth information on every side automatically then, therefrom can obtain the bluetooth information of businessman easily;

C obtains Business Information: after obtaining businessman's bluetooth information, and the payment account information that Automatic Program goes to whois lookup businessman to be registered, and be presented at Business Information on the user mobile phone program;

The d payment: the user is through program input dealing money, and Automatic Program loads the bank card information of user's input before and pays money in the Merchant Account through server;

The e advice of payment: after the discovering server user successfully pays businessman's payment for goods, server will be notified the transaction of businessman and the current generation of user, and show Transaction Information;

F delivery confirmation: after businessman's delivery, confirm, confirm Transaction Success with this to server.

Claims (8)

1. based on disconnected bluetooth mobile-payment system; It is characterized in that: the user is through the bluetooth equipment of bluetooth cellular phone program search businessman; But both need not mate and be connected; User program is sought businessman's payment information of registration according to the businessman's bluetooth equipment information that searches out in server, and finally accomplishes payment.
2. according to claim 1 based on disconnected bluetooth mobile-payment system; It is characterized in that; Businessman opens bluetooth equipment in advance, makes businessman's bluetooth equipment be in visible mode always, so that user mobile phone can be found businessman's bluetooth equipment; Thereby obtain businessman's bluetooth information, businessman needs in server, to bind businessman's payment accounts, trade company's name, homepage, commodity, price, communication mode information according to bluetooth equipment information in advance.
3. according to claim 1 based on disconnected bluetooth mobile-payment system; It is characterized in that; Said businessman bluetooth equipment information can be that the visible title of bluetooth equipment physical address or bluetooth equipment or both use simultaneously, is used to represent the unique identification of businessman's registration.
4. according to claim 1ly it is characterized in that based on disconnected bluetooth mobile-payment system user program can obtain businessman's payment accounts, trade company's name, businessman's homepage, commodity, price, communication mode information from server.
5. according to claim 1ly it is characterized in that the user binds disbursement account information in advance so that can carry out fast transaction during transaction, need not import payment account information based on disconnected bluetooth mobile-payment system.
6. according to claim 1ly it is characterized in that the user uses the Merchant ID information that obtains, and accomplishes payment through payment software on the mobile phone based on disconnected bluetooth mobile-payment system.
7. according to claim 5ly it is characterized in that after payment was accomplished, server sent to pay successfully to user and businessman and notifies based on disconnected bluetooth mobile-payment system.
8. according to claim 7ly it is characterized in that after trade company's delivery, through management software announcement server Transaction Success, the cash of user's payment is squeezed into Merchant Account automatically based on disconnected bluetooth mobile-payment system.
CN2012100992690A 2012-04-08 2012-04-08 Non-connection-based Bluetooth mobile payment system CN102651108A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN2012100992690A CN102651108A (en) 2012-04-08 2012-04-08 Non-connection-based Bluetooth mobile payment system

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN2012100992690A CN102651108A (en) 2012-04-08 2012-04-08 Non-connection-based Bluetooth mobile payment system

Publications (1)

Publication Number Publication Date
CN102651108A true CN102651108A (en) 2012-08-29

Family

ID=46693112

Family Applications (1)

Application Number Title Priority Date Filing Date
CN2012100992690A CN102651108A (en) 2012-04-08 2012-04-08 Non-connection-based Bluetooth mobile payment system

Country Status (1)

Country Link
CN (1) CN102651108A (en)

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102916731A (en) * 2012-09-18 2013-02-06 盛世铸成科技(北京)有限公司 Mobile payment device of mobile phone and mobile phone containing same
CN103383761A (en) * 2013-07-24 2013-11-06 捷德(中国)信息科技有限公司 Mobile phone bluetooth accessory device
CN103945321A (en) * 2014-04-18 2014-07-23 小米科技有限责任公司 Method and device for resource transferring
CN105205666A (en) * 2014-06-17 2015-12-30 中国银联股份有限公司 Bluetooth-based face to face payment method and system
CN105745677A (en) * 2013-12-06 2016-07-06 Bc卡有限公司 Method and system for providing payment service
CN106296152A (en) * 2015-05-19 2017-01-04 阿里巴巴集团控股有限公司 Realize method, system, Cash collecting equipment and the client paid

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101459903A (en) * 2008-04-24 2009-06-17 北京爱奥时代信息科技有限公司 Bluetooth mobile payment terminal, payment method and system
CN101623231A (en) * 2009-08-13 2010-01-13 浙江大学 Method and device for reminding blind social environment based on Bluetooth
CN102082589A (en) * 2010-12-21 2011-06-01 中兴通讯股份有限公司 Method, device and system for storing contact information

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101459903A (en) * 2008-04-24 2009-06-17 北京爱奥时代信息科技有限公司 Bluetooth mobile payment terminal, payment method and system
CN101623231A (en) * 2009-08-13 2010-01-13 浙江大学 Method and device for reminding blind social environment based on Bluetooth
CN102082589A (en) * 2010-12-21 2011-06-01 中兴通讯股份有限公司 Method, device and system for storing contact information

Cited By (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102916731A (en) * 2012-09-18 2013-02-06 盛世铸成科技(北京)有限公司 Mobile payment device of mobile phone and mobile phone containing same
CN103383761A (en) * 2013-07-24 2013-11-06 捷德(中国)信息科技有限公司 Mobile phone bluetooth accessory device
CN105745677A (en) * 2013-12-06 2016-07-06 Bc卡有限公司 Method and system for providing payment service
CN103945321A (en) * 2014-04-18 2014-07-23 小米科技有限责任公司 Method and device for resource transferring
CN103945321B (en) * 2014-04-18 2017-10-20 小米科技有限责任公司 The method and apparatus of resource transfers
CN105205666A (en) * 2014-06-17 2015-12-30 中国银联股份有限公司 Bluetooth-based face to face payment method and system
CN106296152A (en) * 2015-05-19 2017-01-04 阿里巴巴集团控股有限公司 Realize method, system, Cash collecting equipment and the client paid
CN106296152B (en) * 2015-05-19 2020-02-11 阿里巴巴集团控股有限公司 Method, system, collection device and client for realizing payment

Similar Documents

Publication Publication Date Title
US20160335623A1 (en) Reverse Payment Flow
US9552579B2 (en) Near field communication activation and authorization
US20160042350A1 (en) Method and apparatus for recovery during authentication
JP5646083B2 (en) System and method for receiving payment at a point of service via wireless communication
US9038894B2 (en) Payment or other transaction through mobile device using NFC to access a contactless transaction card
EP2525554A2 (en) Mobile terminal and method of controlling the same
KR20120104424A (en) System and method for creating and managing a stored value account associated with a client unique identifer
US8577731B1 (en) Method of transaction processing to support proxy financial card
CN102737308B (en) The method and system of a kind of mobile terminal and inquiry smart card information thereof
CN103679445A (en) Online payment method and system thereof
US20110270758A1 (en) Method for providing electronic transaction using mobile phones
US20120089507A1 (en) Device, system and transaction method for integrating payment function and receipt function
US20090106152A1 (en) Money transfers utilizing unique receiver identifier
US8740064B2 (en) Payment processing system including mobile wireless communications device to send a payment confirmation to a transaction terminal and associated methods
US20080140667A1 (en) Device and method for creating a transaction log of data exchanges between a portable mobile communications device and other wireless devices
WO2010148737A1 (en) Application method of mobile terminal electronic wallet and mobile terminal
CN102214317B (en) Intelligent card combining NFC (Near Field Communication) and 2.4G double frequency band communication and double frequency band communication system
CN101546401A (en) Electronic payment method and system based on NFC mobile terminal
KR20140100840A (en) System and Method for group payment
KR20140017297A (en) System and method for financial transactions
AU4509200A (en) Method for the delivery of a commodity or for the performance of a service using a mobile-radio terminal; mobile-radio terminal for carrying out the method and device for the delivery of a commodity or for the performance of service
CN204028984U (en) End device and payment system that Quick Response Code scanning pays
CN104933555B (en) Moade setting method and device
CN103489098A (en) Mobile payment method, system and program supporting offline receipt and payment
CN104574057A (en) Online payment method and related equipment and system

Legal Events

Date Code Title Description
PB01 Publication
C06 Publication
SE01 Entry into force of request for substantive examination
C10 Entry into substantive examination
WD01 Invention patent application deemed withdrawn after publication

Application publication date: 20120829

C02 Deemed withdrawal of patent application after publication (patent law 2001)