CN102881092A - Bluetooth mobile communication terminal and payment method - Google Patents

Bluetooth mobile communication terminal and payment method Download PDF

Info

Publication number
CN102881092A
CN102881092A CN2012103392373A CN201210339237A CN102881092A CN 102881092 A CN102881092 A CN 102881092A CN 2012103392373 A CN2012103392373 A CN 2012103392373A CN 201210339237 A CN201210339237 A CN 201210339237A CN 102881092 A CN102881092 A CN 102881092A
Authority
CN
China
Prior art keywords
payment
account
bluetooth
mobile communication
communication terminal
Prior art date
Legal status (The legal status 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 status listed.)
Pending
Application number
CN2012103392373A
Other languages
Chinese (zh)
Inventor
陶吉舜
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Watcher Technology (beijing) Co Ltd
Original Assignee
Watcher Technology (beijing) Co Ltd
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 Watcher Technology (beijing) Co Ltd filed Critical Watcher Technology (beijing) Co Ltd
Priority to CN2012103392373A priority Critical patent/CN102881092A/en
Publication of CN102881092A publication Critical patent/CN102881092A/en
Pending legal-status Critical Current

Links

Images

Landscapes

  • Cash Registers Or Receiving Machines (AREA)

Abstract

The invention discloses a Bluetooth mobile communication terminal and a payment method. The Bluetooth mobile communication terminal comprises a collection account information receiving module, a payment information submitting module, a payment result receiving module and an electronic check payment module. By the embodiment, a collection account and a payment sum can be transmitted through Bluetooth; a payer executes on-line payment operation such as sending a password through a communication network such as a cellular network on a Bluetooth mobile communication terminal of the payer, so that a phenomenon that a user has to sweep a bank card on a point of sales (POS) machine terminal or the user inputs a password of the bank card on the POS machine terminal can be avoided, and the safety of a user account and the password is improved; and when the payer cannot execute on-line real-time payment through the Bluetooth mobile communication terminal because the Bluetooth mobile communication terminal is out of connection with a transaction system, an electronic check payment measure is supplied, so that the payment flexibility is improved, and the satisfaction of the payer and a payee is improved.

Description

Bluetooth mobile communication terminal, method of payment
Technical field
The present invention relates to the Bluetooth communication field, be specifically related to bluetooth mobile communication terminal, method of payment.
Background technology
E-Payment is just day by day in vogue because of its convenience, comprises that the bank card of bank's debit card, credit card and third party's payment mechanism bringing into play more and more important effect in the transfer and settlement of accounts.The user uses bank card by POS(Point Of Sales, point of sale) machine terminal (also claiming point of sales terminal) just can compare real-time accurate clearing, exempted carry, trouble that cash is counted at the scene.Yet there is transaction hidden danger in described method of settling accounts by POS machine terminal, because bank card is swiped the card, is manually inputted the password of corresponding described bank card in POS machine terminal, can stay in POS machine terminal account, the encrypted message of bank card, cause easily information leakage.The leakage meeting of described account, encrypted message produces larger threat to user's property safety.
Summary of the invention
For the problems referred to above, the invention provides bluetooth mobile communication terminal and method of payment.
An aspect according to the embodiment of the invention, a kind of bluetooth mobile communication terminal is provided, described bluetooth mobile communication terminal comprises: the shroff account number information receiving module, be used for receiving bill information by the mode of Bluetooth communication from bluetooth point of sale POS machine terminal, bluetooth reader or the first bluetooth mobile communication terminal, described bill information comprises amount payable and one or more account for receiving amount payable; Payment information is submitted module to, be used for selecting an account as shroff account number from described one or more accounts for receiving amount payable, select an account as payment accounts from one or more accounts for payment, and described amount payable, shroff account number, payment accounts are sent to transaction system; The payment result receiver module, being used for receiving expression pays successfully or failed information, also be used for when receiving the failed information of expression payment or because do not receive in very first time threshold value that any expression is paid successfully or thereby failed information is judged described bluetooth mobile communication terminal and transaction system off-line and caused paying when failed, send e-check payment and notify; The e-check payment module is used for generating the eCheck that denomination equals amount payable when receiving described notice, and this eCheck is sent to described Wi-Fi POS machine terminal, bluetooth reader or the first bluetooth mobile communication terminal.
Another aspect according to the embodiment of the invention, a kind of bluetooth mobile communication terminal also is provided, described bluetooth mobile communication terminal comprises: the shroff account number information sending module, be used for sending bill information by the mode of Bluetooth communication, described bill information comprises amount payable and one or more account for receiving amount payable; The payment result receiving processing module is used for receiving expression and pays successfully or failed information.
According to the embodiment of the invention on the other hand, a kind of method of payment also is provided, described method comprises: the mode by Bluetooth communication receives bill information from bluetooth point of sale POS machine terminal, bluetooth reader or the first bluetooth mobile communication terminal, and described bill information comprises amount payable and one or more account for receiving amount payable; Select an account as shroff account number from described one or more accounts for receiving amount payable, select an account as payment accounts from one or more accounts for payment, and described amount payable, shroff account number, payment accounts are sent to transaction system; Receiving expression pays successfully or failed information, and receiving the failed information of expression payment or because of not receiving in very first time threshold value that any expression is paid successfully or thereby failed information is judged with the transaction system off-line and caused paying when failed, carrying out e-check payment.
Again one side according to the embodiment of the invention also provides a kind of method of payment, and described method of payment comprises: the mode by Bluetooth communication sends bill information, and described bill information comprises amount payable and one or more account for receiving amount payable; Receiving the expression that sends pays successfully or failed information.
The embodiment of the invention is transmitted shroff account number, amount payable by the Bluetooth communication mode, allow payer at the bluetooth mobile communication terminal of oneself corresponding amount payable, shroff account number, payment accounts, payment cipher be sent to transaction system, improved the security of user account and password.In addition, the embodiment of the invention changes into by the mode of eCheck when payer can't successfully be carried out the cash payment by the transfer of accounts and paying by eCheck, has enriched means of payment, is conducive to improve the user and pays experience.
Description of drawings
Below with reference to accompanying drawings specific embodiments of the present invention is described in detail, in the accompanying drawings:
Fig. 1 is the scene graph of bluetooth mobile communication terminal payment of the present invention;
Fig. 2 A is the synoptic diagram of a kind of bluetooth mobile communication terminal of the present invention;
Fig. 2 B is the another synoptic diagram of a kind of bluetooth mobile communication terminal of the present invention;
Fig. 2 C is an again synoptic diagram of a kind of bluetooth mobile communication terminal of the present invention;
Fig. 3 A is the synoptic diagram of the another kind of bluetooth mobile communication terminal of the present invention;
Fig. 3 B is the another synoptic diagram of the another kind of bluetooth mobile communication terminal of the present invention;
Fig. 3 C is an again synoptic diagram of the another kind of bluetooth mobile communication terminal of the present invention;
Fig. 4 is the schematic flow sheet of a kind of method of payment of the present invention;
Fig. 5 is the schematic flow sheet of another method of payment of the present invention.
Embodiment
Below in conjunction with the drawings and specific embodiments the present invention is carried out detailed, clear, complete explanation.Obviously, described embodiment only is the present invention's part embodiment, rather than whole embodiment.Based on the embodiment among the present invention, those of ordinary skills belong to the scope of protection of the invention not making all other embodiment that obtain under the creative work prerequisite.
In view of the problem that prior art exists, the embodiment of the invention considers to adopt bluetooth (Bluetooth) technology.Within closely (generally within 10m), have between a plurality of equipment of function of Bluetooth communication and can mutually identify and exchanges data.The Bluetooth chip of realizing function of Bluetooth communication can be built in the various communication facilitiess, and such as being built in mobile communication terminal, the mobile communication terminal of this moment can be called bluetooth mobile communication terminal; More specifically can be built in mobile phone, the mobile phone of this moment can be called bluetooth cellular phone.The present invention has utilized the bluetooth short-range communication function of bluetooth mobile communication terminal and the radio communication function of the original honeycomb of mobile communication terminal or WLAN (wireless local area network) to realize paying by mails just.
Typically, bluetooth is operated in 2.4GHz ISM (i.e. industry, science, the medical science) frequency range of global general-use.The data rate of bluetooth can be 1Mb/s.The time division duplex transmission scheme can be used to realize full duplex transmission.Can use the IEEE802.15 agreement.
Particularly, the embodiment of the invention is transmitted accounts information by the Bluetooth communication mode, has avoided swiping the card, manually inputting in POS machine terminal the link of password, has reduced possibility that account and encrypted message reveal, has improved security; In addition, the payer mobile communication terminal because of with the transaction system off-line, Sorry, your ticket has not enough value, consumption amount restriction etc. is former thereby can't carry out online in real time payment the time, the e-check payment means are provided, have improved the dirigibility of payment, be conducive to improve payment efficient and experience satisfaction with the improvement payment.
Fig. 1 is a kind of scene graph of bluetooth mobile communication terminal payment of the present invention.Fig. 1 has described the process flow diagram of paying between a bluetooth mobile communication terminal and another bluetooth mobile communication terminal, Wi-Fi POS machine terminal or the bluetooth reader.Described bluetooth reader also can be called the bluetooth reader, and it is used for reading Bluetooth information from the bluetooth label, and described Bluetooth information can comprise bill information.The bluetooth postal delivery reader that a kind of typical bluetooth reader is logistics field.In order to distinguish above-mentioned two bluetooth mobile communication terminals, they can be called the first bluetooth mobile communication terminal and the second bluetooth mobile communication terminal.Be noted that, here and present specification in full " first " and " second " in other places just in order to come, not exist described two bluetooth mobile communication terminals are played other restriction effects allowing nominally two bluetooth mobile communication terminals distinguish.As seen from Figure 1, described payment flow is specifically related to the first bluetooth mobile communication terminal, bluetooth reader or Wi-Fi POS machine terminal 100, the second bluetooth mobile communication terminals 102, and transaction system 104.Described transaction system can be bank transaction system, Unionpay's transaction system, third party's payment mechanism transaction system, the People's Bank's small amount payment system, the People's Bank's online payment inter-bank system for settling account, Diners Club DC(Diners Club) system for settling account, the Japanese JCB(Japan Credit Bureau of credit bureau) system for settling account, the AE(American Express of American Express) system for settling account, Master MASTERCARD system for settling account, Visa VISA system for settling account or other financial system for settling account, do not do restriction at this.Described third party's payment mechanism transaction system is some and product the country one belongs to and abroad each big bank is signatory and possess the transaction supporting platform that third party's independent agency of certain strength and prestige guarantee provides.In passing through the transaction of third party's payment platform, after buyer's free choice of goods, the account of using third-party platform to provide is carried out the payment for goods payment, notifies seller's payment for goods to arrive, deliver by the third party; Behind buyer's item inspecting, just can advice and pay to the seller, the third party goes to fund seller's account again.
Basic payment flow is: when the user need to pay or transfer accounts certain cash or expense because of consumption, contribution, loaning bill or other reasons, described the first bluetooth mobile communication terminal, bluetooth reader or Wi-Fi POS machine terminal 100 sent to the second bluetooth mobile communication terminal 102 by modes such as bluetooths with shroff account number and amount payable; The second bluetooth mobile communication terminal 102 passes through GSM after receiving shroff account number and amount payable, CDMA, WCDMA, TD-SCDMA, CDMA2000, the cellular communications network such as WiMAX or other communication network will send to transaction system 104 for account (abbreviation payment accounts) and the password (if accessing to your password) of payment, described payment accounts and password can be pre-stored, also can input then and there, and described password is an option, can not adopt, sometimes namely, only payment accounts is sent to transaction system 104 and namely can finish payment.And described password can be numerical ciphers, character password, numeral and the biological information passwords such as character mixed cipher, fingerprint or iris, or even the password of other type, do not do restriction at this; After described transaction system 104 pairs of described accounts, passwords are verified, from this account, deduct the corresponding amount of money, and change the amount of money of described deduction over to described reception account.Described transaction system 104 can also send to described the first bluetooth mobile communication terminal, bluetooth reader or Wi-Fi POS machine terminal 100 with the successful message of expression payment directly or indirectly, and/or sends to the second bluetooth mobile communication terminal.A kind of described indirect mode is that transaction system 104 is after handling corresponding payment transaction, to pay successfully or failure result, failure cause etc. are informed customer service system, to represent that by described customer service system payment success or failure send to the first bluetooth mobile communication terminal, bluetooth reader or Wi-Fi POS machine terminal 100, and/or send to the second bluetooth mobile communication terminal.Alternatively, in expression payment failure, can also comprise failure cause.Particularly, when causing all or part of payment to be deducted because of insufficient in amount, the restriction of consumption amount or other reasons, transaction system will send the payment failed message, comprise concrete failure cause in the described payment failed message: insufficient in amount, the restriction of consumption amount or described other reasons.Alternatively, the message that sends to the second bluetooth mobile communication terminal 102 also can be transmitted after transaction system 104 receives by the first bluetooth mobile communication terminal, bluetooth reader or Wi-Fi POS machine terminal 100, and vice versa, do not do restriction at this.
Be noted that, also exist because thereby the second bluetooth mobile communication terminal 102 causes paying failed situation with described transaction system off-line, this moment is because off-line (namely communication link/the network between the second bluetooth mobile communication terminal and the described transaction system is obstructed), payment accounts, shroff account number, amount payable that obvious described transaction system can not receive for payment equal to pay the relevant information of request, thereby also can not be correlated with delivery operation, and then just can not send expression payment success or failure.In this case, the second bluetooth mobile communication terminal can judge according to a judgment rule and pay unsuccessfully that described rule can be: do not receive that in very first time threshold value any expression that transaction system sends pays unsuccessfully or successful message.Described judgment rule can set in advance in the second bluetooth mobile communication terminal.Thereby can judge this moment the second bluetooth mobile communication terminal and transaction system off-line according to this judgment rule causes paying unsuccessfully.In order to strengthen the science of this judgment rule, prevented owing to the burst reason so that actual online (namely the transaction at that time, communication link/network between the second bluetooth mobile communication terminal and the described transaction system is actually unimpeded) time transaction system expression of sending pay unsuccessfully or successful message is lost halfway and caused being mistaken for off-line, on transaction system, can arrange: for once payment, send at least two or more expressions and pay unsuccessfully or successful message.Described very first time threshold value can be 1 minute, half a minute or other times length, does not do restriction at this.Be noted that " first " in the above-mentioned very first time threshold value is in order to get a name to described time threshold, to there is no other particular meaning.Those skilled in the art can be interpreted as above-mentioned very first time threshold value sometime threshold value, the implication such as length of interval sometime.
In addition, the second bluetooth mobile communication terminal 102 receives expression payment failure or judges the second bluetooth mobile communication terminal and after thereby the transaction system off-line causes paying unsuccessfully, the generation denomination is equaled the eCheck of described amount payable, and this eCheck issued described the first bluetooth mobile communication terminal, Wi-Fi POS machine terminal or bluetooth reader as beneficiary by bluetooth, purple honeybee ZIGBEE, infrared, modes such as WI-FI (Wireless Fidelity, Wireless Fidelity or the authentication of wireless compatibility), ultra broadband UWB.Certainly, described the first bluetooth mobile communication terminal, Wi-Fi POS machine terminal or bluetooth reader must correspondingly have purple honeybee ZIGBEE, infrared, WI-FI (Wireless Fidelity at this moment, Wireless Fidelity or the authentication of wireless compatibility) or ultra broadband UWB communication function, just can receive described eCheck.
Alternatively, described described the first bluetooth mobile communication terminal, Wi-Fi POS machine terminal or bluetooth reader as beneficiary can built-inly or plug-in have the e-check payment module of eCheck authentication function, by this e-check payment module, beneficiary can be verified the true and false of the eCheck that receives and show the information such as the amount of money of eCheck, the term of validity.Receiving whenever all this eCheck can be issued described transaction system or other eCheck of ticket side before the described term of validity cashes mechanism and cashes.Thereby when having reduced transaction for the online real-time dependence that is communicated with of the network path between beneficiary and the described transaction system.Changing a mode explains again, if thereby a certain moment is owing to can't carry out cash to beneficiary in real time and transfer accounts as the second bluetooth mobile communication terminal of paying party or payer and the network communication link between the described transaction system are temporarily obstructed, this moment, paying party just can be provided corresponding eCheck to beneficiary so, beneficiary is after receiving described eCheck, confirm described eCheck be true and denomination just can think after equaling amount payable payer ceasing to transmit pay voluntary, this moment, payer just can be left the transaction place, and need not wait for described network recovery communication in the transaction place in order to attempt again carrying out online/real-time cash payment by the transfer of accounts, thereby avoided temporal waste.And any moment of beneficiary before the term of validity of eCheck, communication link between the mechanism is unimpeded can to carry out the submission of eCheck and cashes as long as itself and described transaction system or other eChecks are cashed.For beneficiary, except in time not obtaining the NetCash income, there is no actual loss.Be noted that at last, the above-mentioned eCheck term of validity can be a limited time limit, such as 1 month, 2 months etc., also can be effectively permanent, and in eCheck even can not mark the term of validity, this moment, correspondingly the term of validity of such eCheck can be given tacit consent to for effectively permanent by described transaction system or other eCheck sides of cashing.
Fig. 2 A is bluetooth mobile communication terminal structural representation of the present invention.From Fig. 2 A, can find out, described bluetooth mobile communication terminal comprises: shroff account number information receiving module 200, be used for receiving bill information by the mode of Bluetooth communication from bluetooth point of sale POS machine terminal, bluetooth reader or the first bluetooth mobile communication terminal, described bill information comprises amount payable and one or more account for receiving amount payable; Payment information is submitted module 202 to, be used for selecting an account as shroff account number from described one or more accounts for receiving amount payable, select an account as payment accounts from one or more accounts for payment, and with described amount payable, shroff account number, payment accounts sends to bank transaction system, Unionpay's transaction system, third party's payment mechanism transaction system, the People's Bank's small amount payment system, the People's Bank's online payment inter-bank system for settling account, Diners Club DC system for settling account, the Japan JCB of credit bureau system for settling account, the AE of American Express system for settling account, Master MASTERCARD system for settling account or Visa VISA system for settling account; Payment result receiver module 204, being used for receiving expression pays successfully or failed information, be used for also that any expression is paid successfully or thereby failed information is judged described bluetooth mobile communication terminal and bank transaction system when receiving the failed information of expression payment or because of not receiving in very first time threshold value, Unionpay's transaction system, third party's payment mechanism transaction system, the People's Bank's small amount payment system, the People's Bank's online payment inter-bank system for settling account, Diners Club DC system for settling account, the Japan JCB of credit bureau system for settling account, the AE of American Express system for settling account, Master MASTERCARD system for settling account or Visa VISA system for settling account off-line cause paying when failed, send the e-check payment notice; E-check payment module 206 is used for generating the eCheck that denomination equals amount payable when receiving described notice, and this eCheck is sent to described bluetooth point of sale POS machine terminal, bluetooth reader or the first bluetooth mobile communication terminal.This transmission can be based on communication modes such as bluetooth, bluetooth, purple honeybee ZIGBEE, Wireless Fidelity WIFI, infrared, ultra broadband UWB.
Be noted that for above-mentioned " selecting an account as shroff account number from described one or more accounts for receiving amount payable ", if the basis of selecting only has an account, can only select this account so; If the basis of selecting is a plurality of accounts, can from described a plurality of accounts, select one as shroff account number arbitrarily so.
Preferably, described bluetooth mobile communication terminal also comprises: invoice new line information sending module 208, and for the new line information that sends the invoice that need to open to the first bluetooth mobile communication terminal, Wi-Fi POS machine terminal or bluetooth reader.The synoptic diagram of the bluetooth mobile communication terminal of this moment is shown in Fig. 2 B.Described new line information can be organization or " individual ", or concrete individual's name, or other content of payer expectation, does not do restriction at this.
Further preferably, described bluetooth mobile communication terminal also comprises: information receiver module 210 is used for receiving integration, coupons, reward voucher or other advertising campaign information that the first bluetooth mobile communication terminal, Wi-Fi POS machine terminal or bluetooth reader send.The bluetooth mobile communication terminal of this moment is shown in Fig. 2 C.The user adopts described integration can participate in exchanging the activities such as prize, adopt described coupons in consumption or purchase activity, be used for to enjoy the deduction of paying in cash that coupons are promised to undertake, adopt described reward voucher in consumption or purchase activity, to enjoy to convert into money etc. preferential.
" payment information is submitted module 202 to; be used for selecting accounts as shroff account number from described one or more accounts for receiving amount payable; select accounts as payment accounts from one or more accounts for payment; and with described amount payable; shroff account number; payment accounts sends to bank transaction system for described, Unionpay's transaction system, third party's payment mechanism transaction system, the People's Bank's small amount payment system, the People's Bank's online payment inter-bank system for settling account, Diners Club DC system for settling account, the Japan JCB of credit bureau system for settling account, the AE of American Express system for settling account, Master MASTERCARD system for settling account or Visa VISA system for settling account ", be noted that described " one or more account for payment " and all related accounts of " one or more account for receiving amount payable " they can be pre-stored; or input then and there.In addition, also be noted that wherein " with described amount payable; shroff account number; payment accounts sends to bank transaction system; Unionpay's transaction system; third party's payment mechanism transaction system; the People's Bank's small amount payment system, the People's Bank's online payment inter-bank system for settling account, Diners Club DC system for settling account, the Japan JCB of credit bureau system for settling account, the AE of American Express system for settling account, Master MASTERCARD system for settling account or Visa VISA system for settling account " can be specially: with described amount payable; shroff account number; payment accounts and send to bank transaction system corresponding to the payment cipher of described payment accounts; Unionpay's transaction system; third party's payment mechanism transaction system; the People's Bank's small amount payment system, the People's Bank's online payment inter-bank system for settling account, Diners Club DC system for settling account, the Japan JCB of credit bureau system for settling account, the AE of American Express system for settling account, Master MASTERCARD system for settling account or Visa VISA system for settling account.That is, increase to use payment cipher, this is that to do be in order to improve security.Described payment cipher is inputted then and there by the user or is selected in pre-stored one or more payment ciphers by the user, does not do restriction at this.
In an example, described payment cipher is the biological information passwords such as numerical ciphers, character password, numerical character mixed cipher, head image information password, iris or fingerprint.Alternatively, the utilization flow process for described finger print information is as follows: the fingerprint by the fingerprint typing module typing payer then and there on on-the-spot Wi-Fi POS machine terminal or the bluetooth reader is also compared fingerprint default in itself and the bluetooth mobile communication terminal.Comparison unanimously shows the password authentification success, otherwise, unsuccessful.Then can obtain by camera/for head image information or iris information, described camera/can be built in bluetooth mobile communication terminal.
In an example, described account/shroff account number/payment accounts is Bank Account Number or third party's payment mechanism account.Described Bank Account Number is bank's card number or individual bankbook account or enterprise account, perhaps other banking recognitions be used for account as the voucher of depositing and withdrawing, do not do restriction at this.
In an example, described third party's payment mechanism account is the Alipay account.Being noted that present third party's payment mechanism account has hundreds of, except described Alipay account, can also be that Sheng is paid logical and wealth is paid logical, fast money, Unionpay's E-Payment etc.These third party's payment mechanism accounts all are the account with secured side's character in fact, are used for guaranteeing user's safety of payment.
In an example, described third party's paying server is the Alipay server.Be noted that, present third party's paying server has hundreds of, except described Alipay server, can also be that the precious server of Netease and wealth are paid logical server, peace and paid a logical server, hundred pairs of precious servers, contains and pay a logical server, Unionpay's electronic payment server, fast money server etc.These third party's paying servers all are be used to managing above-mentioned third party's payment mechanism account with secured side's character, being used for guaranteeing user's safety of payment in fact.
In an example, described bluetooth mobile communication terminal is bluetooth cellular phone, bluetooth PDA(Personal Data Assistant, personal digital assistant), bluetooth (movement) POS machine terminal, bluetooth (movement) reader or have desktop computer, the PAD(panel computer of function of Bluetooth communication) or notebook computer.Certainly, be not limited to these, the intercom etc. of Bluetooth chip/have function of Bluetooth communication is arranged such as embedding, and movably terminal should be also within its coverage.
What specify is, the benefit of above-mentioned " selecting an account as payment accounts from one or more accounts for payment of storage " is to the more choice of payer, because allowing payer can therefrom select, just might allow it choose the transaction system (such as bank or third party's payment mechanism) of oneself liking, except this sensorial improvement, may bring actual interests to payer in addition, if for example payer can therefrom be chosen the account that a payment accounts with oneself belongs to same transaction system (such as bank or third party's payment mechanism), tend to partly or entirely save the service charge of transferring accounts and use.
Be noted that at last, above-mentioned e-check payment module 206 generates eCheck when receiving described e-check payment notice, be to generate software according to the eCheck that sets in advance in the described e-check payment module 206 to carry out, this eCheck generation software is cashed the platform issue by bank or other eChecks or is provided.Bluetooth mobile communication terminal is cashed after platform registers at bank or other eChecks, can cash platform from described bank or other eChecks and obtain described eCheck and generate software.In the example, described e-check payment notice comprises following one or more: the order of drawing a bill, amount payable, the eCheck term of validity, payment accounts, shroff account number.Described eCheck generates software and starts the eCheck product process according to the described order of drawing a bill, and according to the denomination of amount payable generation eCheck, generates the term of validity of eCheck according to the eCheck term of validity.
Fig. 3 A is another kind of bluetooth mobile communication terminal synoptic diagram of the present invention.From Fig. 3 A as seen, described bluetooth mobile communication terminal comprises: shroff account number information provides module 300, is used for sending amount payable and one or more account information for receiving amount payable to the second bluetooth mobile communication terminal; Payment result receiving processing module 302 is used for receiving expression and pays successfully or failed information.
Alternatively, also comprise: thereby when receiving the failed information of expression payment or because of not receiving in very first time threshold value that any expression is paid successfully or failed information is judged with the transaction system off-line and caused paying when failed, pass through bluetooth, purple honeybee ZIGBEE, ultra broadband UWB, communication mode infrared or Wireless Fidelity WIFI sends the e-check payment alert notification to the second bluetooth mobile communication terminal that receives described bill information, to remind the second bluetooth mobile communication terminal, current online cash is transferred accounts and is failed, and can change into and take e-check payment.
Preferably, described bluetooth mobile communication terminal also comprises: invoice new line information receiving module 304 be used for to receive the new line information of the invoice that needs that the second bluetooth mobile communication terminal sends open.The bluetooth mobile communication terminal synoptic diagram of this moment is shown in Fig. 3 B.
Further preferably, described bluetooth mobile communication terminal also comprises: information sending module 306 is used for sending integration, coupons, coupon information or other advertising campaign information to the second bluetooth mobile communication terminal.The bluetooth mobile communication terminal synoptic diagram of this moment is shown in Fig. 3 C.
In an example, described account is Bank Account Number, third party's payment mechanism account.
In an example, described third party's payment mechanism account is the Alipay account.Described third party's payment mechanism account also can be other accounts, can referring to the narration of front, not repeat them here.
In an example, described third party's paying server is the Alipay server.Described third party's paying server also can be other servers, can referring to the narration of front, not repeat them here.
In an example, described bluetooth mobile communication terminal is that bluetooth cellular phone, Bluetooth personal digital assistants, bluetooth move POS machine terminal, bluetooth mobile reading device or have desktop computer or the notebook computer of function of Bluetooth communication.Described bluetooth mobile communication terminal also can be other movably terminals, specifically can referring to the narration of front, not repeat them here.
Fig. 4 is a kind of method of payment process flow diagram of the embodiment of the invention, and described method comprises:
Step 400 receives bill information by bluetooth;
Be specially, the mode by Bluetooth communication receives bill information from bluetooth point of sale POS machine terminal, bluetooth reader or the first bluetooth mobile communication terminal, and described bill information comprises amount payable and one or more account for receiving amount payable.
Step 402 sends the information relevant with clearing to transaction system;
Be specially: select an account as shroff account number from one or more accounts for receiving amount payable, select an account as payment accounts from one or more accounts for payment, and with described amount payable, shroff account number, payment accounts sends to bank transaction system, Unionpay's transaction system, third party's payment mechanism transaction system, the People's Bank's small amount payment system, the People's Bank's online payment inter-bank system for settling account, Diners Club DC system for settling account, the Japan JCB of credit bureau system for settling account, the AE of American Express system for settling account, Master MASTERCARD system for settling account or Visa VISA system for settling account.
Step 404 receives payment result information, and send the e-check payment request when paying unsuccessfully;
Be specially: receive expression and pay successfully or failed information, and any expression is paid successfully or thereby failed information is judged described bluetooth mobile communication terminal and bank transaction system when receiving the failed information of expression payment or because of not receiving in very first time threshold value, Unionpay's transaction system, third party's payment mechanism transaction system, the People's Bank's small amount payment system, the People's Bank's online payment inter-bank system for settling account, Diners Club DC system for settling account, the Japan JCB of credit bureau system for settling account, the AE of American Express system for settling account, Master MASTERCARD system for settling account or Visa VISA system for settling account off-line cause paying when failed, carry out e-check payment.
Preferably, described described amount payable, shroff account number, payment accounts are sent to transaction system, be specially: send to transaction system with described amount payable, shroff account number, payment accounts and corresponding to the payment cipher of described payment accounts.That is, increase and use payment cipher, this is in order to improve the security of transaction.
Alternatively, described payment cipher is numeral and/or character password, head image information, iris information or finger print information.
Alternatively, described payment accounts is Bank Account Number or third party's payment mechanism account, and described shroff account number is Bank Account Number or third party's payment mechanism account.
Alternatively, described third party's payment mechanism account is the Alipay account, and described third party's payment mechanism transaction system is the Alipay server.
Fig. 5 is another method of payment process flow diagram of the embodiment of the invention.This method of payment comprises:
Step 500 sends bill information by bluetooth;
Be specially: the mode by Bluetooth communication sends bill information, and described bill information comprises amount payable and one or more account for receiving amount payable.
Step 502 receives payment result information;
Be specially: receive expression and pay successfully or failed information.
Alternatively, described method of payment also comprises: when receiving the failed information of expression payment, send the e-check payment alert notification to the second bluetooth mobile communication terminal that receives described bill information by communication modes such as ultra broadband UWB, bluetooth, purple honeybee ZIGBEE, infrared, Wireless Fidelity WIFI (Wireless Fidelity), in order to remind the second bluetooth mobile communication terminal, current online cash is transferred accounts and is failed, and can change into and take e-check payment.
Alternatively, described method of payment also comprises: the new line information of the invoice that reception need to be opened.Order between this step and step 500 or the step 502 is arbitrarily.
Alternatively, described shroff account number is Bank Account Number or third party's payment mechanism account.
Be noted that at last, the transaction system of mentioning in the present specification or system for settling account, sometimes be also referred to as liquidation organization, clearance payment platform, settlement system, clearing mechanism or clearing payment platform etc., it is identical that those skilled in the art understand these terms implication in embodiments of the present invention.
The embodiment of the invention is transmitted shroff account number by the Bluetooth communication mode and/or is allowed the payer bluetooth mobile communication terminal that the payment cipher of counterpart expenditure account is sent to transaction system, has improved the security of user account and password.In addition, the embodiment of the invention is paid by the mode of eCheck when payer can't successfully be paid by eCheck, has enriched means of payment, is conducive to improve the user and pays experience.
In several embodiment that the application provides, should be understood that disclosed mobile communication terminal can be realized by another way.For example, mobile communication terminal embodiment described above only is schematic, for example, the division of described module, only be that a kind of logic function is divided, during actual the realization other dividing mode can be arranged, for example a plurality of modules or assembly can in conjunction with or can be integrated into another system, or some features can ignore, or do not carry out.Another point, the shown or coupling each other discussed or direct-coupling or communication connection can be by some interfaces, indirect coupling or the communication connection of device or unit can be electrically, machinery or other form.Described module as separating component explanation can or can not be physically to separate also, and the parts that show as module can be or can not be physical locations also, namely can be positioned at a place, perhaps also can be distributed on a plurality of assemblies.Can select according to the actual needs wherein some or all of module to realize the purpose of present embodiment scheme.
In addition, each functional module in each embodiment of the present invention, assembly can be integrated in the processing unit, also can be that the independent physics of modules exists, also can two or more module integrations in a module.Above-mentioned integrated module both can adopt the form of hardware to realize, also can adopt the form of software function module or the form of software and hardware combining to realize.
If described integrated module realizes with the form of SFU software functional unit and during as independently production marketing or use, can be stored in the computer read/write memory medium.Based on such understanding, part or all or part of of this technical scheme that technical scheme of the present invention contributes to prior art in essence in other words can embody with the form of software product, this computer software product is stored in the storage medium, comprise that some instructions are with so that a computer equipment (can be personal computer, server, the perhaps network equipment etc.) carry out all or part of step of the described method of each embodiment of the present invention.And aforesaid storage medium comprises: the various media that can be program code stored such as USB flash disk, portable hard drive, ROM (read-only memory) (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), magnetic disc or CD.
Obviously, under the prerequisite that does not depart from true spirit of the present invention and scope, the present invention described here can have many variations.Therefore, the change that all it will be apparent to those skilled in the art that all should be included within the scope that claims of the present invention contain.The present invention's scope required for protection is limited by described claims.

Claims (30)

1. a bluetooth mobile communication terminal is characterized in that, described bluetooth mobile communication terminal comprises:
The shroff account number information receiving module, be used for receiving bill information by the mode of Bluetooth communication from bluetooth point of sale POS machine terminal, bluetooth reader or the first bluetooth mobile communication terminal, described bill information comprises amount payable and one or more account for receiving amount payable;
Payment information is submitted module to, be used for selecting an account as shroff account number from described one or more accounts for receiving amount payable, select an account as payment accounts from one or more accounts for payment, and described amount payable, shroff account number, payment accounts are sent to transaction system;
The payment result receiver module, being used for receiving expression pays successfully or failed information, also be used for when receiving the failed information of expression payment or because do not receive in very first time threshold value that any expression is paid successfully or thereby failed information is judged described bluetooth mobile communication terminal and transaction system off-line and caused paying when failed, send e-check payment and notify;
The e-check payment module is used for generating the eCheck that denomination equals amount payable when receiving described notice, and this eCheck is sent to described Wi-Fi POS machine terminal, bluetooth reader or the first bluetooth mobile communication terminal.
2. bluetooth mobile communication terminal according to claim 1, it is characterized in that described transaction system is bank transaction system, Unionpay's transaction system, third party's payment mechanism transaction system, the People's Bank's small amount payment system, the People's Bank's online payment inter-bank system for settling account, Diners Club DC system for settling account, the Japanese JCB of credit bureau system for settling account, the AE of American Express system for settling account, Master MASTERCARD system for settling account or Visa VISA system for settling account.
3. one of according to claim 1-2 described bluetooth mobile communication terminal is characterized in that, described notice comprises one or more in following: the order of drawing a bill, amount payable, the eCheck term of validity, payment accounts, shroff account number.
4. described bluetooth mobile communication terminal one of according to claim 1-2, it is characterized in that, described payment information is submitted module to, described amount payable, shroff account number, payment accounts are sent to transaction system, be specially: described payment information is submitted module to, sends to transaction system with described amount payable, shroff account number, payment accounts and corresponding to the payment cipher of described payment accounts.
5. bluetooth mobile communication terminal according to claim 4 is characterized in that, described payment cipher is numerical ciphers, character password, numerical character mixed cipher, head image information password, iris information password or finger print information password.
6. one of according to claim 1-2 described bluetooth mobile communication terminal is characterized in that described payment accounts is Bank Account Number or third party's payment mechanism account, and described shroff account number is Bank Account Number or third party's payment mechanism account.
7. bluetooth mobile communication terminal according to claim 6 is characterized in that, described third party's payment mechanism account is the Alipay account, and described third party's payment mechanism transaction system is the Alipay transaction system.
8. one of according to claim 1-2 described bluetooth mobile communication terminal is characterized in that described bluetooth mobile communication terminal is bluetooth cellular phone, Bluetooth personal digital assistants PDA or the computer with function of Bluetooth communication.
9. a bluetooth mobile communication terminal is characterized in that, described bluetooth mobile communication terminal comprises:
The shroff account number information sending module is used for sending bill information by the mode of Bluetooth communication, and described bill information comprises amount payable and one or more account for receiving amount payable;
The payment result receiving processing module is used for receiving expression and pays successfully or failed information.
10. bluetooth mobile communication terminal according to claim 9, it is characterized in that, described payment result receiving processing module, also be used for receiving the failed information of expression payment or because do not receive in very first time threshold value that any expression pay successfully or thereby failed information is judged described bluetooth mobile communication terminal and transaction system off-line and caused paying when failed, sending the e-check payment alert notification to the second bluetooth mobile communication terminal of the described bill information of reception.
11. described bluetooth mobile communication terminal one of according to claim 9-10, it is characterized in that described transaction system is bank transaction system, Unionpay's transaction system, third party's payment mechanism transaction system, the People's Bank's small amount payment system, the People's Bank's online payment inter-bank system for settling account, Diners Club DC system for settling account, the Japanese JCB of credit bureau system for settling account, the AE of American Express system for settling account, Master MASTERCARD system for settling account or Visa VISA system for settling account.
12. described bluetooth mobile communication terminal one of according to claim 9-11 is characterized in that described bluetooth mobile communication terminal also comprises: invoice new line information receiving module is used for receiving the new line information of the invoice that need to open.
13. described bluetooth mobile communication terminal one of according to claim 9-11, it is characterized in that described bluetooth mobile communication terminal also comprises: the information sending module is used for sending integration, coupons, reward voucher or advertising campaign information.
14. one of according to claim 9-11 described bluetooth mobile communication terminal is characterized in that described bluetooth mobile communication terminal is bluetooth cellular phone, Bluetooth personal digital assistants PDA or the computer with function of Bluetooth communication.
15. one of according to claim 9-11 described bluetooth mobile communication terminal is characterized in that described shroff account number is Bank Account Number or third party's payment mechanism account.
16. bluetooth mobile communication terminal according to claim 15 is characterized in that, described third party's payment mechanism account is the Alipay account, and described third party's payment mechanism transaction system is the Alipay server.
17. a method of payment is characterized in that, described method comprises:
Mode by Bluetooth communication receives bill information from bluetooth point of sale POS machine terminal, bluetooth reader or the first bluetooth mobile communication terminal, and described bill information comprises amount payable and one or more account for receiving amount payable;
Select an account as shroff account number from described one or more accounts for receiving amount payable, select an account as payment accounts from one or more accounts for payment, and described amount payable, shroff account number, payment accounts are sent to transaction system;
Receiving expression pays successfully or failed information, and receiving the failed information of expression payment or because of not receiving in very first time threshold value that any expression is paid successfully or thereby failed information is judged with the transaction system off-line and caused paying when failed, carrying out e-check payment.
18. method of payment according to claim 17, it is characterized in that described transaction system is bank transaction system, Unionpay's transaction system, third party's payment mechanism transaction system, the People's Bank's small amount payment system, the People's Bank's online payment inter-bank system for settling account, Diners Club DC system for settling account, the Japanese JCB of credit bureau system for settling account, the AE of American Express system for settling account, Master MASTERCARD system for settling account or Visa VISA system for settling account.
19. described method of payment one of according to claim 17-18, it is characterized in that, the described e-check payment that carries out comprises: generate the eCheck that denomination equals amount payable, and this eCheck is sent to described bluetooth point of sale POS machine terminal, bluetooth reader or the first bluetooth mobile communication terminal.
20. method of payment according to claim 19, it is characterized in that, described this eCheck is sent to described bluetooth point of sale POS machine terminal, bluetooth reader or the first bluetooth mobile communication terminal, be specially this eCheck is sent to described bluetooth point of sale POS machine terminal, bluetooth reader or the first bluetooth mobile communication terminal by bluetooth, purple honeybee ZIGBEE, infrared, ultra broadband UWB or Wireless Fidelity WIFI communication mode.
21. described method of payment one of according to claim 17-18, it is characterized in that, described described amount payable, shroff account number, payment accounts are sent to transaction system, be specially: send to transaction system with described amount payable, shroff account number, payment accounts and corresponding to the payment cipher of described payment accounts.
22. method of payment according to claim 21 is characterized in that, described payment cipher is numerical ciphers, character password, numerical character mixed cipher, head image information password, iris information password or finger print information password.
23. one of according to claim 17-18 described method of payment is characterized in that described payment accounts is Bank Account Number or third party's payment mechanism account, described shroff account number is Bank Account Number or third party's payment mechanism account.
24. method of payment according to claim 23 is characterized in that, described third party's payment mechanism account is the Alipay account, and described third party's payment mechanism transaction system is the Alipay server.
25. a method of payment is characterized in that, described method of payment comprises:
Mode by Bluetooth communication sends bill information, and described bill information comprises amount payable and one or more account for receiving amount payable;
Receiving expression pays successfully or failed information.
26. method of payment according to claim 25, it is characterized in that, described method of payment also comprises: thus when receiving the failed information of expression payment or because do not receive in very first time threshold value that any expression pay successfully or failed information is judged with the transaction system off-line and caused paying when failed, send the e-check payment alert notification to the bluetooth mobile communication terminal of the described bill information of reception.
27. described method of payment one of according to claim 25-26, it is characterized in that, the described e-check payment alert notification that sends is specially to the bluetooth mobile communication terminal that receives described bill information: send the e-check payment alert notification to the bluetooth mobile communication terminal that receives described bill information by ultra broadband UWB, bluetooth, purple honeybee ZIGBEE, communication mode infrared or Wireless Fidelity WIFI.
28. one of according to claim 25-27 described method of payment is characterized in that described method of payment also comprises: the new line information of the invoice that reception need to be opened.
29. one of according to claim 25-27 described method of payment is characterized in that described account is Bank Account Number or third party's payment mechanism account.
30. method of payment according to claim 29 is characterized in that, described third party's payment mechanism account is the Alipay account, and described third party's payment mechanism transaction system is the Alipay server.
CN2012103392373A 2012-09-13 2012-09-13 Bluetooth mobile communication terminal and payment method Pending CN102881092A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN2012103392373A CN102881092A (en) 2012-09-13 2012-09-13 Bluetooth mobile communication terminal and payment method

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN2012103392373A CN102881092A (en) 2012-09-13 2012-09-13 Bluetooth mobile communication terminal and payment method

Publications (1)

Publication Number Publication Date
CN102881092A true CN102881092A (en) 2013-01-16

Family

ID=47482399

Family Applications (1)

Application Number Title Priority Date Filing Date
CN2012103392373A Pending CN102881092A (en) 2012-09-13 2012-09-13 Bluetooth mobile communication terminal and payment method

Country Status (1)

Country Link
CN (1) CN102881092A (en)

Cited By (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103491655A (en) * 2013-09-30 2014-01-01 深圳前海君浩银通科技发展有限公司 Multi-mode communication system and method between terminal devices
CN104144379A (en) * 2014-04-22 2014-11-12 腾讯科技(深圳)有限公司 Service data processing method, user terminal and service terminal
CN105809418A (en) * 2016-03-28 2016-07-27 努比亚技术有限公司 Mobile payment verification method, device and system
CN105894270A (en) * 2016-03-30 2016-08-24 深圳市讯联智付网络有限公司 Payment method and device
CN106204035A (en) * 2015-04-30 2016-12-07 阿里巴巴集团控股有限公司 Off-line identity identifying method, intelligent terminal and system
WO2017012076A1 (en) * 2015-07-21 2017-01-26 深圳市银信网银科技有限公司 Method, device, and system for determining electronic certificate recipient
CN106713218A (en) * 2015-07-17 2017-05-24 腾讯科技(深圳)有限公司 Resource exchange method and resource exchange device
WO2017121268A1 (en) * 2016-01-13 2017-07-20 阿里巴巴集团控股有限公司 Offline payment method, device and system
CN113762951A (en) * 2021-09-03 2021-12-07 刘高峰 Method, server and system for supporting offline payment limit by multiple payment ends of same user

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
US20100253610A1 (en) * 2009-04-01 2010-10-07 Seung-Kyu Lee Display apparatus
CN102214335A (en) * 2010-04-08 2011-10-12 环球娱乐株式会社 Settlement system

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
US20100253610A1 (en) * 2009-04-01 2010-10-07 Seung-Kyu Lee Display apparatus
CN102214335A (en) * 2010-04-08 2011-10-12 环球娱乐株式会社 Settlement system

Cited By (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103491655A (en) * 2013-09-30 2014-01-01 深圳前海君浩银通科技发展有限公司 Multi-mode communication system and method between terminal devices
CN104144379A (en) * 2014-04-22 2014-11-12 腾讯科技(深圳)有限公司 Service data processing method, user terminal and service terminal
CN104144379B (en) * 2014-04-22 2016-04-13 腾讯科技(深圳)有限公司 Business data processing method, user terminal and service terminal
CN106204035A (en) * 2015-04-30 2016-12-07 阿里巴巴集团控股有限公司 Off-line identity identifying method, intelligent terminal and system
CN106713218A (en) * 2015-07-17 2017-05-24 腾讯科技(深圳)有限公司 Resource exchange method and resource exchange device
CN106713218B (en) * 2015-07-17 2020-02-07 腾讯科技(深圳)有限公司 Resource exchange method and device
WO2017012076A1 (en) * 2015-07-21 2017-01-26 深圳市银信网银科技有限公司 Method, device, and system for determining electronic certificate recipient
WO2017121268A1 (en) * 2016-01-13 2017-07-20 阿里巴巴集团控股有限公司 Offline payment method, device and system
CN106971297A (en) * 2016-01-13 2017-07-21 阿里巴巴集团控股有限公司 A kind of offline electronic payment method, apparatus and system
CN105809418A (en) * 2016-03-28 2016-07-27 努比亚技术有限公司 Mobile payment verification method, device and system
CN105894270A (en) * 2016-03-30 2016-08-24 深圳市讯联智付网络有限公司 Payment method and device
CN113762951A (en) * 2021-09-03 2021-12-07 刘高峰 Method, server and system for supporting offline payment limit by multiple payment ends of same user

Similar Documents

Publication Publication Date Title
CN102855562A (en) NFC (near field communication) mobile terminal and payment method
US20200051073A1 (en) System and method for enhanced token-based payments
CN102881092A (en) Bluetooth mobile communication terminal and payment method
US11640620B2 (en) Systems and methods to organize and consolidate data for improved data storage and processing
US7635083B2 (en) System and method for utilizing a mobile device to obtain a balance on a financial transaction instrument
TWI490798B (en) System and method for data completion including push identifier
US20120221466A1 (en) Method for improved financial transactions
CN101990770A (en) Ghosting payment account data in a mobile telephone payment transaction system
AU2009243158A1 (en) Device including form factor indicator
AU2018201562B2 (en) Systems and methods of using a communication network to coordinate processing among a plurality of separate computing systems
CN102945578A (en) Mixed cash registering terminal and method thereof
US11200627B2 (en) Conducting various actions indicated by a financial card
WO2015095517A1 (en) A system and method for enhanced token-based payments
CN106296178A (en) Method of payment based on NFC and device
Liu et al. The consumer implications of the use of electronic and mobile payment systems
Cheney An examination of mobile banking and mobile payments: building adoption as experience goods?
US20160350783A1 (en) Systems and methods to organize data supporting efficient processing of large scale propagation of resources among users of accounts
Goparaju Digital Payment Sector: The Sunrise Industry in India: A Review.
Chen et al. Trends and technology in e-Payment
Chuang Adopt m-banking as a successful business strategy
US20170364944A1 (en) Systems and methods for efficient processing of large scale propagation of resources among accounts
Rao E-WALLET–A ‘PAY’VOLUTION
Regragui The african mobile wallets: an empirical analysis of the services and the anticipated trends
Allayannis et al. Fintech, payments innovation, and the acquisition of WorldPay
US20200134604A1 (en) Credit card with selectable debit-style functionality

Legal Events

Date Code Title Description
C06 Publication
PB01 Publication
C10 Entry into substantive examination
SE01 Entry into force of request for substantive examination
C02 Deemed withdrawal of patent application after publication (patent law 2001)
WD01 Invention patent application deemed withdrawn after publication

Application publication date: 20130116