CN102982449A - Mobile terminal and transaction system and method - Google Patents
Mobile terminal and transaction system and method Download PDFInfo
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- CN102982449A CN102982449A CN2011102633787A CN201110263378A CN102982449A CN 102982449 A CN102982449 A CN 102982449A CN 2011102633787 A CN2011102633787 A CN 2011102633787A CN 201110263378 A CN201110263378 A CN 201110263378A CN 102982449 A CN102982449 A CN 102982449A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
- G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
Abstract
The invention discloses a mobile terminal, a transaction system and a method. The mobile terminal comprises an E-wallet management module, a near field communication module and a transaction management module, wherein the E-wallet management module is used for managing an E-wallet of a user, the near field communication module is used for carrying out near field communication of the information of the E-wallet and the consumption information of the user between the mobile terminal to which the near field communication module belongs and a transaction opposite terminal, and the transaction management module is used for carrying out interaction of the information of the E-wallet and the consumption between the mobile terminal and a management server. According to the mobile terminal, the transaction system and the method, the situation that the mobile terminal is used as a buyer or a seller to do point-of-sale (Pos) transaction can be achieved, the occurrence that a mobile Pos machine is not convenient to carry is avoided, and the situation that the Pos transaction is convenient and flexible is guaranteed.
Description
Technical field
The present invention relates to the communications field, in particular to a kind of portable terminal, transaction system and method.
Background technology
Growing along with the communication technology, mobile phone products is day by day universal in people's daily life of smart mobile phone particularly, the continuous lifting of the up-downgoing data rate that wireless network is supported, new data service is used and is continued to bring out, and mobile phone is just being brought into play more and more important effect in people's life.Mobile phone is used tradition such as no longer being confined to phone, note and is used, and also begin for frontiers such as gate inhibition, consumption and payments, and near-field communication (Near Field Communication is referred to as NFC) technology makes this class application become safer, feasible.
The NFC technology is to be developed by the fusion of non-contact radio-frequency identification (Radio Frequency Identification is referred to as RFID) with interconnection technique, is a kind of the short distance wireless communication technology standard.It is integrated Non-contact Media Reader, contact type intelligent card and point-to-point function on one chip, operate in the frequency range of 13.56MHz, connection that can be between apparatus for establishing in the about 10cm scope, data transfer rate can be 106,212,424kbps, and can bring up to more than the 848kbps future.The NFC terminal has three kinds of mode of operations: under the aggressive mode, initiatively send the radio-frequency field of oneself and remove identification and other NFC equipment of read/write; Under the Passive Mode, NFC can be modeled to a card by read/write, and it is passive response in the radio-frequency field that other equipment send only; Under the two-way mode, both sides initiatively send radio-frequency field and set up point-to-point communication.
In the financial field, traditional method of payment mainly is to be undertaken by magnetic stripe card and Pos machine at present.For the seller, require the place to fix, be only applicable to the fixed-sites such as supermarket, market; For the buyer, then need to carry bank's magnetic stripe card and just can conclude the business.For this defective, mobile Pos machine occurred, but for domestic consumer, carried still very inconvenient.
Summary of the invention
Carry the problem of inconvenience and propose the present invention for mobile Pos machine in the correlation technique, for this reason, fundamental purpose of the present invention is to provide a kind of portable terminal, transaction system and method, to address the above problem.
To achieve these goals, according to an aspect of the present invention, provide a kind of portable terminal.
Portable terminal according to the present invention comprises the wallet administration module, is used for the stored value card of leading subscriber; Near-field communication module is used for the near-field communication of portable terminal and the conclude the business information of carrying out stored value card between the opposite end and user's consumption information under self; Trade management module is used for carrying out the mutual of the information of stored value card and consumption information between portable terminal and management server.
Preferably, near-field communication module comprises: the model selection submodule, and for the communication pattern of selecting near-field communication, wherein communication pattern comprises sending mode and receiving mode; Communicator module, the communication pattern of be used for to use selecting are carried out the near-field communication of user's e-wallet information and user's consumption information.
Preferably, near-field communication module also comprises: use mutual submodule, be used for to select the interactive information of near-field communication, wherein interactive information comprise following one of at least: from the payment request of transaction opposite end, from user certificate corresponding to the account of the account information of transaction opposite end, transaction opposite end, the payment response that sends to the transaction opposite end, the bill information that sends to the transaction opposite end.
Preferably, trade management module comprises: first sends submodule, is used for sending to management server user's accounts information and consumption information; First receives submodule, is used for receiving the Transaction Success information from management server.
Preferably, trade management module comprises: second receives submodule, is used for receiving the solicited message that is used for printing e bill from the transaction opposite end; The connexon module is used for the wireless connections of foundation and printer; Second sends submodule, is used for sending e bill to printer.
To achieve these goals, according to another aspect of the present invention, provide a kind of transaction system.
Transaction system according to the present invention comprises: portable terminal, management server and transaction opposite end, and wherein, portable terminal comprises: the wallet administration module, for the stored value card of leading subscriber; Near-field communication module is used for the near-field communication of portable terminal and the conclude the business information of carrying out stored value card between the opposite end and user's consumption information under self; Trade management module is used for carrying out the mutual of the information of stored value card and consumption information between portable terminal and management server; Management server is used for information and consumption information according to stored value card, carries out the transaction of portable terminal and transaction opposite end.
Preferably, near-field communication module comprises: the model selection submodule, and for the communication pattern of selecting near-field communication, wherein communication pattern comprises sending mode and receiving mode; Communicator module, the communication pattern of be used for to use selecting are carried out the near-field communication of user's e-wallet information and user's consumption information.
Preferably, trade management module comprises: first sends submodule, is used for sending to management server user's accounts information and consumption information; First receives submodule, is used for receiving the Transaction Success information from management server.
To achieve these goals, according to a further aspect of the invention, provide a kind of method of commerce.
Method of commerce according to the present invention comprises: the near-field communication of user's e-wallet information and user's consumption information is carried out in portable terminal and transaction opposite end; Portable terminal and management server carry out the mutual of the information of stored value card and consumption information.
Preferably, portable terminal and the transaction opposite end near-field communication that carries out user's e-wallet information and user's consumption information comprises: select the communication pattern of near-field communication, wherein communication pattern comprises sending mode and receiving mode; The communication pattern of use selecting carries out the near-field communication of user's e-wallet information and user's consumption information.
Preferably, portable terminal and management server carry out the information of stored value card and comprising alternately of consumption information: portable terminal sends user's accounts information and consumption information to management server; Portable terminal receives the Transaction Success information from management server.
Preferably, after portable terminal and management server carried out the information of stored value card and consumption information mutual, said method also comprises: portable terminal received the solicited message that is used for printing e bill from the transaction opposite end; Portable terminal is set up the wireless connections with printer; Portable terminal sends e bill to printer.
The present invention is by being integrated into wallet administration module, near-field communication module and trade management module in the portable terminal, thereby can realize that portable terminal carries out the Pos transaction as the buyer or the seller, and avoid the inconvenience of carrying of mobile Pos machine, guarantee that the Pos transaction is convenient flexibly.
Description of drawings
Accompanying drawing described herein is used to provide a further understanding of the present invention, consists of the application's a part, and illustrative examples of the present invention and explanation thereof are used for explaining the present invention, do not consist of improper restriction of the present invention.In the accompanying drawings:
Fig. 1 is the structured flowchart according to the portable terminal of the embodiment of the invention;
Fig. 2 is the structured flowchart one according to the portable terminal of the embodiment of the invention;
Fig. 3 is the structured flowchart two according to the portable terminal of the embodiment of the invention;
Fig. 4 is the structured flowchart three according to the portable terminal of the embodiment of the invention;
Fig. 5 is the synoptic diagram according to the portable terminal of the embodiment of the invention;
Fig. 6 is the structured flowchart according to the transaction system of the embodiment of the invention;
Fig. 7 is the synoptic diagram according to the transaction system of the embodiment of the invention;
Fig. 8 is the process flow diagram according to the method for commerce of the embodiment of the invention;
Fig. 9 is the interaction diagrams of method of commerce according to the preferred embodiment of the invention.
Embodiment
Need to prove that in the situation of not conflicting, embodiment and the feature among the embodiment among the application can make up mutually.Describe below with reference to the accompanying drawings and in conjunction with the embodiments the present invention in detail.
The invention provides a kind of portable terminal.Fig. 1 is the structured flowchart according to the portable terminal of the embodiment of the invention, as shown in Figure 1, comprises wallet administration module 11, near-field communication module 12, trade management module 13.The below is described in detail its structure.
In the correlation technique, though mobile Pos machine is arranged, carry inconvenience.In the embodiment of the invention, by wallet administration module, near-field communication module and trade management module are integrated in the portable terminal, thereby can realize that portable terminal carries out the Pos transaction as the buyer or the seller, and avoid the inconvenience of carrying of mobile Pos machine, guarantee that the Pos transaction is convenient flexibly.
In order more clearly to describe the present invention, the below is described in detail wallet administration module 11, near-field communication module 12, trade management module 13 respectively.
(1) near-field communication module 12
Fig. 2 is the structured flowchart one according to the portable terminal of the embodiment of the invention, as shown in Figure 2, near-field communication module 12 comprises model selection submodule 122 and communicator module 124, wherein, model selection submodule 122 is used for selecting the communication pattern of near-field communication, and wherein communication pattern comprises aggressive mode, Passive Mode and two-way mode; Communicator module 124 is connected to model selection submodule 122, and the communication pattern that be used for to use model selection submodule 122 to select carries out the near-field communication of user's e-wallet information and user's consumption information.Consider that near-field communication terminal has three kinds of mode of operations, the model selection submodule is set in this preferred embodiment can selects easily required mode of operation, so that portable terminal and transaction opposite end communicate.More preferably, near-field communication module 12 can also comprise uses mutual submodule 126, be connected to communicator module 124, be used for to select the interactive information of near-field communication and carry out near-field communication by communicator module 124, wherein interactive information comprise following one of at least: from the payment request of transaction opposite end, from user certificate corresponding to the account of the account information of transaction opposite end, transaction opposite end, the payment response that sends to the transaction opposite end, the bill information that sends to the transaction opposite end.
(2) trade management module 13
Fig. 3 is the structured flowchart two according to the portable terminal of the embodiment of the invention, as shown in Figure 3, trade management module 13 comprises that first sends submodule 132 and the first reception submodule 134, and wherein, first sends accounts information and the consumption information that submodule 132 is used for sending to management server the user; First receives submodule 134, is connected to first and sends submodule 132, is used for receiving the Transaction Success information from management server after first sends submodule 132 transmission users' accounts information and consumption information.
Fig. 4 is the structured flowchart three according to the portable terminal of the embodiment of the invention, and as shown in Figure 4, trade management module 13 comprises that second receives submodule 136, is used for receiving the solicited message that is used for printing e bill from the transaction opposite end; Connexon module 138 is connected to second and receives submodule 136, is used for the wireless connections of foundation and printer; Second sends submodule 139, is connected to connexon module 138, is used for sending e bill to printer.In this preferred embodiment, when the transaction opposite end required to print e bill, the request that sends was to portable terminal, and portable terminal communicates by wireless connections and printer, prints e bill, made things convenient for the user to understand the consumption of oneself, improved the user and experienced.
Be described in detail below in conjunction with the implementation procedure of example to the embodiment of the invention.
Fig. 5 is the synoptic diagram according to the portable terminal of the embodiment of the invention, as shown in Figure 5, this portable terminal comprises wallet administration module 51 (corresponding to above-mentioned wallet administration module 11), NFC communication management module 52 (corresponding to above-mentioned near-field communication module 12), Pos application management module 53 (corresponding to above-mentioned trade management module 13).Wherein, the wallet administration module is used for the leading subscriber stored value card, comprising SIM card management submodule, machine cartoon letters submodule, UI interface submodule etc., be used for the user to check and arrange accounts information, maintain cryptographic and carry out bankcard consumption etc. at the mobile phone of oneself; The NFC communication management module is used for the management of the NFC communication between two mobile phones of Pos process of exchange of both parties, comprising pattern switching submodule, data transmit-receive submodule, use mutual submodule.Utilize NFC communication, the buyer can send payment request, account information to the seller, and receive from user certificate corresponding to payment response, buyer's account of opposite end etc.; The seller can receive payment request, the accounts information from the buyer, and sends consumption response, bill information etc. to buyer's mobile phone; Pos application management module is used for the seller and carries out the Pos application management, comprising payment transaction submodule, print management submodule, services request submodule.Pos application management module is used for to the server sync payment information, sends e bill, the consumption amount of money and user certificate etc. to buyer's mobile phone, and sends the request of printing etc. by wireless devices such as bluetooths to printer.
The invention provides a kind of transaction system, Fig. 6 is the structured flowchart according to the transaction system of the embodiment of the invention, as shown in Figure 6, comprise: portable terminal 61, management server 63 and transaction opposite end 65, wherein, portable terminal 61 comprises: wallet administration module 611, for the stored value card of leading subscriber; Near-field communication module 612 is connected to wallet administration module 611, is used for carrying out between portable terminal 61 and transaction opposite end 65 near-field communication of the information of the stored value card that wallet administration module 611 manages and user's consumption information; Trade management module 613 is connected to near-field communication module 612, be used between portable terminal 61 and management server 63, carrying out the information of the stored value card that near-field communication module 612 communicates by letter and consumption information alternately; Management server 63 is connected to trade management module 613, is used for information and consumption information according to the mutual stored value card of trade management module 613, carries out the transaction of portable terminal and transaction opposite end.
Be described in detail below in conjunction with the implementation procedure of example to the embodiment of the invention.
Fig. 7 is the synoptic diagram according to the transaction system of the embodiment of the invention, as shown in Figure 7, comprise portable terminal 71, transaction opposite end 72, management server 73 and printer 74, wherein, portable terminal 71 and transaction opposite end 72 can comprise wallet administration module 711 (721), near-field communication module 712 (722) and trade management module 713 (723).Need to prove, only drawn the module that portable terminal 71 and transaction opposite end 72 are related separately among Fig. 7 in process of exchange.Below in conjunction with Fig. 7 its structure is described in detail.
Wallet administration module 721 in trade management module 713 in the portable terminal 71 and the transaction opposite end 72 is all mutual with near-field communication module 712 (722), carries out the transmitting-receiving of data by near-field communication module 712 (722) again between portable terminal 71 and the transaction opposite end 72.Management server 74 is connected to the trade management module 713 of portable terminal 71, is used for information and consumption information according to stored value card, carries out the transaction of portable terminal 71 and transaction opposite end 72.Only have as the portable terminal 71 of Pos machine and just need to communicate by letter with printer 74 with management server 73, so, just need not access to mobile network in process of exchange as consumer's transaction terminal 72, avoided so on the one hand consumer's network traffics expense, the mobile phone that does not have on the other hand to network also can carry out mobile-phone payment.Portable terminal 71 can send bill to printer 74 by communications such as bluetooths and print request.
The invention provides a kind of method of commerce, the method can be used for realizing above-mentioned transaction system.Fig. 8 is the process flow diagram according to the method for commerce of the embodiment of the invention, as shown in Figure 8, comprises that following step S802 is to step S804.
Step S802, the near-field communication of user's e-wallet information and user's consumption information is carried out in portable terminal and transaction opposite end.
Step S804, portable terminal and management server carry out the mutual of the information of stored value card and consumption information.
In the correlation technique, though mobile Pos machine is arranged, carry inconvenience.In the embodiment of the invention, by wallet administration module, near-field communication module and trade management module are integrated in the portable terminal, thereby can realize that portable terminal carries out the Pos transaction as the buyer or the seller, and avoid the inconvenience of carrying of mobile Pos machine, guarantee that the Pos transaction is convenient flexibly.
Preferably, portable terminal and the transaction opposite end near-field communication that carries out user's e-wallet information and user's consumption information comprises: select the communication pattern of near-field communication, wherein communication pattern comprises sending mode and receiving mode; The communication pattern of use selecting carries out the near-field communication of user's e-wallet information and user's consumption information.
Preferably, portable terminal and management server carry out the information of stored value card and comprising alternately of consumption information: portable terminal sends user's accounts information and consumption information to management server; Portable terminal receives the Transaction Success information from management server.
Preferably, after portable terminal and management server carried out the information of stored value card and consumption information mutual, said method also comprises: portable terminal received the solicited message that is used for printing e bill from the transaction opposite end; Portable terminal is set up the wireless connections with printer; Portable terminal sends e bill to printer.In this preferred embodiment, when the transaction opposite end required to print e bill, the request that sends was to portable terminal, and portable terminal communicates by wireless connections and printer, prints e bill, made things convenient for the user to understand the consumption of oneself, improved the user and experienced.
Be described in detail below in conjunction with the implementation procedure of example to the embodiment of the invention.
Fig. 9 is the interaction diagrams of method of commerce according to the preferred embodiment of the invention, as shown in Figure 9, comprises that following step S901 is to step S918.
Step S901 starts trade management module in portable terminal, prompting input consumption amount information.
Step S902, behind the input amount of money, to consume amount information and send to near-field communication module, near-field communication module starts near-field communication, portable terminal is close with the transaction opposite end, the near-field communication module of the two connects, and the consumption amount information is sent to the near-field communication module of transaction opposite end, is forwarded to the wallet administration module of transaction opposite end again.
Step S903, the user interface prompt consumption amount of money of transaction opposite end.
Step S904, the account information of transaction opposite end is dealt into the near-field communication module of portable terminal, the near-field communication module of portable terminal with its trade management module that is transmitted to portable terminal, sends to management server by it by the mobile network after receiving the account information of transaction opposite end again.
Step S905, management server generate the digital certificate of account in the transaction opposite end.
Step S906 sends to the trade management module of portable terminal by the mobile network with digital certificate, by near-field communication module digital certificate is sent to the wallet administration module again.
Step S907, transaction opposite end wallet administration module prompting user input encrypted message after correctly inputting password and confirming, uses the encrypted message of digital certificate encrypting user input then to be packaged as payment request information.
Step S908 sends to payment request information the trade management module of portable terminal by near-field communication module.
Step S909, trade management module parses encrypt data, then ciphertext, both sides' account and dealing money etc. is sent to management server by the mobile network together.
Step S910, management server use private key to decrypt password and the checking of consumption account, by after carry out money transfer transactions.
Step S911 sends Transaction Success message to the portable terminal trade management module by the mobile network after the Transaction Success, sends Transaction Success information to the transaction opposite end by near-field communication module again.
Step S912, transaction is after the opposite end receives Transaction Success information, by the management of the SIM card in wallet administration module submodule e-wallet information in the New Account more; After being updated successfully, whether UI interface submodule prompting user needs to print e bill.
Step S913, user selection send the request of printing by near-field communication module after confirming to print.
Step S914 is to step S918, and the trade management module of portable terminal is processed the request of printing.If need to print, then pass through the wireless connections such as bluetooth of foundation and near printer, and send bill information to printer, print bill, and arrive the opposite end of concluding the business by near-field communication module transmission e bill information.If do not need to print, then directly the prompting transaction is finished and is withdrawed from.
Need to prove, can in the computer system such as one group of computer executable instructions, carry out in the step shown in the process flow diagram of accompanying drawing, and, although there is shown logical order in flow process, but in some cases, can carry out step shown or that describe with the order that is different from herein.
Obviously, those skilled in the art should be understood that, above-mentioned each module of the present invention or each step can realize with general calculation element, they can concentrate on the single calculation element, perhaps be distributed on the network that a plurality of calculation elements form, alternatively, they can be realized with the executable program code of calculation element, thereby, they can be stored in the memory storage and be carried out by calculation element, perhaps they are made into respectively each integrated circuit modules, perhaps a plurality of modules in them or step are made into the single integrated circuit module and realize.Like this, the present invention is not restricted to any specific hardware and software combination.
The above is the preferred embodiments of the present invention only, is not limited to the present invention, and for a person skilled in the art, the present invention can have various modifications and variations.Within the spirit and principles in the present invention all, any modification of doing, be equal to replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (10)
1. portable terminal is characterized in that comprising:
The wallet administration module is for the stored value card of leading subscriber;
Near-field communication module is used for the near-field communication of portable terminal and the conclude the business information of carrying out described stored value card between the opposite end and described user's consumption information under self;
Trade management module is used for carrying out the mutual of the information of described stored value card and described consumption information between described portable terminal and management server.
2. portable terminal according to claim 1 is characterized in that, described near-field communication module comprises:
The model selection submodule, it is one of following be used for to select the communication pattern of near-field communication, wherein said communication pattern to comprise: aggressive mode, Passive Mode and two-way mode;
Communicator module, the communication pattern of be used for to use selecting are carried out the near-field communication of user's e-wallet information and user's consumption information.
3. portable terminal according to claim 2, it is characterized in that, described near-field communication module also comprises: use mutual submodule, be used for to select the interactive information of near-field communication, wherein said interactive information comprise following one of at least: from the payment request of described transaction opposite end, from user certificate corresponding to the account of the account information of described transaction opposite end, described transaction opposite end, the payment response that sends to described transaction opposite end, the bill information that sends to described transaction opposite end.
4. portable terminal according to claim 1 is characterized in that, described trade management module comprises:
First sends submodule, is used for sending to described management server described user's accounts information and consumption information;
First receives submodule, is used for receiving the Transaction Success information from described management server.
5. portable terminal according to claim 1 is characterized in that, described trade management module comprises:
Second receives submodule, is used for receiving the solicited message that is used for printing e bill from described transaction opposite end;
The connexon module is used for the wireless connections of foundation and printer;
Second sends submodule, is used for sending described e bill to described printer.
6. transaction system is characterized in that comprising: portable terminal, management server and transaction opposite end, wherein,
Described portable terminal comprises:
The wallet administration module is for the stored value card of leading subscriber;
Near-field communication module is used for carrying out the near-field communication of the information of described stored value card and described user's consumption information between described portable terminal and described transaction opposite end;
Trade management module, be used between described portable terminal and described management server, carrying out the information of described stored value card and described consumption information alternately;
Described management server is used for information and described consumption information according to described stored value card, carries out the transaction of described portable terminal and described transaction opposite end.
7. method of commerce is characterized in that comprising:
The near-field communication of user's e-wallet information and user's consumption information is carried out in portable terminal and transaction opposite end;
Described portable terminal and management server carry out the mutual of the information of described stored value card and described consumption information.
8. method according to claim 7 is characterized in that, portable terminal comprises with the near-field communication that user's e-wallet information and user's consumption information is carried out in the transaction opposite end:
Select the communication pattern of near-field communication, wherein said communication pattern comprises sending mode and receiving mode;
The communication pattern of use selecting carries out the near-field communication of user's e-wallet information and user's consumption information.
9. method according to claim 7 is characterized in that, described portable terminal and management server carry out the information of described stored value card and comprising alternately of described consumption information:
Described portable terminal sends described user's accounts information and consumption information to described management server;
Described portable terminal receives the Transaction Success information from described management server.
10. method according to claim 7 is characterized in that, after described portable terminal and management server carried out the information of described stored value card and described consumption information mutual, described method also comprised:
Described portable terminal receives the solicited message that is used for printing e bill from described transaction opposite end;
Described portable terminal is set up the wireless connections with printer;
Described portable terminal sends described e bill to described printer.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011102633787A CN102982449A (en) | 2011-09-07 | 2011-09-07 | Mobile terminal and transaction system and method |
| PCT/CN2011/082152 WO2012151896A1 (en) | 2011-09-07 | 2011-11-14 | Mobile terminal, transaction system and method |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011102633787A CN102982449A (en) | 2011-09-07 | 2011-09-07 | Mobile terminal and transaction system and method |
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| CN102982449A true CN102982449A (en) | 2013-03-20 |
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| CN2011102633787A Pending CN102982449A (en) | 2011-09-07 | 2011-09-07 | Mobile terminal and transaction system and method |
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| WO (1) | WO2012151896A1 (en) |
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| CN104463576A (en) * | 2014-11-26 | 2015-03-25 | 深圳市智惠付信息技术有限公司 | NFC mobile payment communication method based on online payment |
| CN104732391A (en) * | 2013-12-24 | 2015-06-24 | 中国银联股份有限公司 | Payment terminal, payment background and payment method using virtual card |
| CN105321068A (en) * | 2014-06-17 | 2016-02-10 | 中国电信股份有限公司 | Method and system for transferring between intelligent terminals with NFC functions |
| CN106155461A (en) * | 2015-04-03 | 2016-11-23 | 阿里巴巴集团控股有限公司 | The processing method of express delivery information, device and Wearable device |
| CN110414960A (en) * | 2019-05-24 | 2019-11-05 | 腾讯科技（深圳）有限公司 | A kind of payment processing method and device |
| CN114706468A (en) * | 2013-08-08 | 2022-07-05 | 苹果公司 | Managing near field communication using low power modes of an electronic device |
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| CN104463576A (en) * | 2014-11-26 | 2015-03-25 | 深圳市智惠付信息技术有限公司 | NFC mobile payment communication method based on online payment |
| CN106155461A (en) * | 2015-04-03 | 2016-11-23 | 阿里巴巴集团控股有限公司 | The processing method of express delivery information, device and Wearable device |
| CN110414960A (en) * | 2019-05-24 | 2019-11-05 | 腾讯科技（深圳）有限公司 | A kind of payment processing method and device |
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| WO2012151896A1 (en) | 2012-11-15 |
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