CN102682382A

CN102682382A - Mobile payment system based on WiFi (Wireless Fidelity) signal identifier

Info

Publication number: CN102682382A
Application number: CN2012101459665A
Authority: CN
Inventors: 徐彬; 朱虹海
Original assignee: Individual
Current assignee: Individual
Priority date: 2012-05-13
Filing date: 2012-05-13
Publication date: 2012-09-19

Abstract

The invention discloses a mobile payment system by using a WiFi (Wireless Fidelity) signal as an identifier, which aims at providing a mobile payment solution which is suitable for most of smart phones and solves the problem of the limit of an NFC (Near Field Communication) chip as a mobile phone payment scheme. The mobile payment system is crucially characterized in that a merchant WiFi emission equipment identifier is obtained from the WiFi signal, then merchant payment information is obtained from a server through the identifier, and therefore, transaction is completed. The mobile payment system is skillful in design, and is easy to implement without additionally installing new hardware, so that the real realization of the mobile payment is made possible.

Description

Mobile-payment system based on the WiFi signal identification

Technical field

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

Background technology

At present the mobile payment mode is a lot, had 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; 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.

In view of the serious hope of people to mobile payment, the ripe solution of neither one makes the smart mobile phone user to use again at present; The present invention binds through WiFi transmitter sign and businessman's payment information, thereby makes the user from server, obtain the payment information of businessman's registration; And present most smart mobile phone all has the WiFi function, and making this scheme promoted by large tracts of land becomes possibility, this be with the NFC chip as mobile-phone payment can not compare; General WiFi search can search out WiFi signal on every side fast, thereby make this scheme that the technical feasibility guarantee arranged very fast in very short time; Be connected with businessman WiFi transmitter because of the present invention need not to require user mobile phone, make the WiFi signal of encrypting for businessman also can use; Businessman and user are through server exchange information, need not contact directly, thus do not exist user's payment information to pay in businessman, for the security of native system provides guarantee; 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.

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 WiFi function of embedded in mobile phone to obtain the transmitter information that businessman sets, and is sign with this information, obtains Business Information and final through server and accomplishes payment.

Like Fig. 1, businessman is provided with a WiFi transmitter earlier, and in server registered trader's information, like payment informations such as WiFi transmitter 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 WiFi module searches that the user carries through mobile phone used this identification information from server, to inquire about and obtain Business Information (containing the payment account information) to the WiFi transmitter identification information of businessman then; When the user through network behind this Merchant ID successful payment, server will notify businessman and user payment information this time, confirm to server after last businessman delivers.

Whole payment process is following:

1. businessman's Installation of W iFi transmitter, then in server according to WiFi identifier register Business Information: businessman's payment accounts, trade company's name, homepage, commodity, price, communication mode information.

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

2. the user is bundled in bank card disbursement account information on the handset program.(optional)

3. the transmitter identification information of the WiFi signal around the user obtains through handset program scanning when paying.

4. WiFi transmitter identification information that use to gather of the user program Business Information that obtains binding through server and be shown to the user.

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 an one-piece construction block diagram of the present invention.

Embodiment

In conjunction with Fig. 1, specify a specific embodiment of the present invention, but what does not limit to the present invention.

In system architecture of the present invention, include 1 server, 2 users (mobile phone of WiFi function), 3 businessmans;

Businessman at first need provide 31 WiFi transmitters, makes its WiFi signal message 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, WiFi transmitter identification information;

B acquisition businessman sign: when the user pays, at first open program, program can be searched for WiFi signal on every side automatically then, therefrom can obtain the WiFi transmitter identification information of businessman.

C obtains Business Information: after obtaining the WiFi of businessman equipment identification 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

1. based on the mobile-payment system of WiFi signal identification; It is characterized in that; The user catches the WiFi wireless signal of businessman through handset program; Therefrom obtain the sign of the WiFi of businessman transmitter, user program is identified at according to this and seeks businessman's payment information of binding in server, and final the completion paid.

2. the mobile-payment system based on the WiFi signal identification according to claim 1; It is characterized in that; The sign of the said WiFi of businessman transmitter can be that the visible title of physical address or the WiFi transmitter of WiFi transmitter or both use simultaneously, is used to the unique identification of representing that businessman registers.

3. the mobile-payment system based on the WiFi signal identification according to claim 1 is characterized in that, businessman's payment accounts, trade company's name, homepage, commodity, price, communication mode information are bound according to WiFi transmitter sign in advance by businessman in server.

4. the mobile-payment system based on the WiFi signal identification according to claim 1; It is characterized in that user program obtains businessman's payment accounts, trade company's name, homepage, commodity, price, communication mode information according to the identification information of the WiFi of businessman transmitter from server.

5. the mobile-payment system based on the WiFi signal identification according to claim 1 is characterized in that, the user binds disbursement account information in advance so that transaction the time can be carried out fast transaction, need not import payment account information.

6. the mobile-payment system based on the WiFi signal identification according to claim 1 is characterized in that, the user uses the Merchant ID information of acquisition, accomplishes payment through mobile-phone payment software.

7. the mobile-payment system based on the WiFi signal identification according to claim 6 is characterized in that, after payment was accomplished, server was paid successfully notice to user and businessman's transmission, respectively has identify label separately in the announcement information.

8. the mobile-payment system based on the WiFi signal identification according to claim 7 is characterized in that, after trade company's delivery, and the announcement server Transaction Success, the cash of user's payment is squeezed into Merchant Account automatically.

9. the mobile-payment system based on the WiFi signal identification according to claim 8 is characterized in that, after transaction was accomplished, system preserved this transaction automatically, and the user can estimate this transaction.