CN102999841A - Mobile payment system - Google Patents

Mobile payment system Download PDF

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Publication number
CN102999841A
CN102999841A CN2011102658360A CN201110265836A CN102999841A CN 102999841 A CN102999841 A CN 102999841A CN 2011102658360 A CN2011102658360 A CN 2011102658360A CN 201110265836 A CN201110265836 A CN 201110265836A CN 102999841 A CN102999841 A CN 102999841A
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CN
China
Prior art keywords
unit
payment
mobile
card
described
Prior art date
Application number
CN2011102658360A
Other languages
Chinese (zh)
Inventor
秦保安
李长寿
Original Assignee
深圳市移卡科技有限公司
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.)
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Publication date
Application filed by 深圳市移卡科技有限公司 filed Critical 深圳市移卡科技有限公司
Priority to CN2011102658360A priority Critical patent/CN102999841A/en
Publication of CN102999841A publication Critical patent/CN102999841A/en

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Abstract

The invention discloses a mobile payment system which comprises a power supply unit for supplying power to the system, an interface unit, a POS (point of sale) unit, a control unit and a payment unit, wherein the interface unit is connected with a mobile communication terminal and is used for communication through the mobile communication terminal, the POS unit is communicated with a remote transaction platform through the interface unit and is used for reading data of a smart card and realizing payment by card through the control unit and the interface unit, the payment unit is used for storing payment account information and performing short-distance payment, and a payment account in insufficiency can be recharged by the POS unit. The mobile payment system is capable of achieving network payment and E-wallet recharge by POS card swiping, so that network payment and E-wallet recharge are more convenient and rapider.

Description

Mobile-payment system

Technical field

The present invention relates to the mobile payment field, specially refer to a kind of mobile-payment system.

Background technology

Mobile payment of the prior art can comprise usually that the mobile network pays and the mode such as stored value card payment.The mode of network payment is fewer at present, and must use Web bank to cooperate payment platform, just can finish network payment.

Traditional stored value card payment occurs in the non-mode that connects card of JAVA usually, and every card can only have specific function, and can only buy the product of hair fastener businessman, and needs to supplement with money to the place of hair fastener businessman appointment, brings very big inconvenience to the consumer.

Based on above-mentioned, a kind of mobile-payment system of paying and supplementing with money be convenient to is provided, become problem demanding prompt solution.

Summary of the invention

Fundamental purpose of the present invention can be convenient to the consumer and realize paying and supplementing with money for a kind of mobile-payment system is provided.

The present invention proposes a kind of mobile-payment system, is included as the power supply unit of system power supply, also comprises: interface unit, POS unit, control module and payment unit;

Described interface unit is connected with communication terminal, carries out communication by communication terminal; Described POS unit carries out communication by interface unit and Remote Transaction platform, reads the data of smart card, by control module and interface unit and Remote Transaction platform realization bankcard consumption;

Described payment unit, storage payment account information is closely paid; And, when Sorry, your ticket has not enough value in described payment account, supplement with money by the POS unit.

Preferably, described interface unit is audio interface, is connected with the audio port of communication terminal.

Preferably, described POS unit comprises:

Card reader for magnetic strip cards and IC-card card reader read respectively the data of magnetic stripe card or IC-card.

Preferably, described smart card comprises magnetic stripe card and IC-card.

Preferably, described control module arranges encrypting module, and the data of carrying out communication by interface unit and Remote Transaction platform are encrypted.

Preferably, described payment unit arranges the RF antenna, closely identifies.

Preferably, described payment unit is the JAVA smart card.

Preferably, described mobile-payment system also comprises:

The MicroUSB interface is used for charging and data transmission.

The present invention can swipe the card by POS and realize that network payment and stored value card supplement with money, so that network payment and stored value card are supplemented with money is convenient, quick.

Description of drawings

Fig. 1 is the structural representation among mobile-payment system one embodiment of the present invention;

Fig. 2 is the structural representation among another embodiment of mobile-payment system of the present invention;

Fig. 3 is another structural representation among another embodiment of mobile-payment system of the present invention.

The realization of the object of the invention, functional characteristics and advantage are described further with reference to accompanying drawing in connection with embodiment.

Embodiment

Should be appreciated that specific embodiment described herein only in order to explain the present invention, is not intended to limit the present invention.

With reference to Fig. 1, an embodiment of a kind of mobile-payment system of the present invention is proposed.This system can be included as the power supply unit 11 of system power supply, also comprises: interface unit 12, POS (point of sale, point-of-sale terminal) unit 13, control module 14 and payment unit 15;

Above-mentioned interface unit 12 is connected with communication terminal, carries out communication by communication terminal; Above-mentioned POS unit 13 carries out communication by interface unit 12 and Remote Transaction platform, reads the data of smart card, realizes bankcard consumption by control module 14 and interface unit 12 with the Remote Transaction platform;

Above-mentioned payment unit 15, storage payment account information is closely paid; And, when Sorry, your ticket has not enough value in described payment account, supplement with money by POS unit 13.

Mobile-payment system in the present embodiment can be realized identification, the data of smart card are read by POS unit 13; Then utilize the communication terminal of control module 14 by being connected with interface unit 12, be encrypted communication with the Remote Transaction platform, the network payment that realization is directly swiped the card is not so that network payment can need to pass through Net silver.This smart card comprises magnetic stripe card and IC-card etc., and existing bank card is generally magnetic stripe card.This portable terminal includes but not limited to the mobile communications tools such as smart mobile phone, panel computer.

With reference to Fig. 2, in another embodiment of the present invention, above-mentioned control module 14 can arrange encrypting module 140, and the data of carrying out communication by interface unit 12 and Remote Transaction platform are encrypted.Above-mentioned interface unit 12 is audio interface, and above-mentioned mobile-payment system can be connected with the audio port of communication terminal by this audio port, utilizes communication terminal to carry out telecommunication.

Above-mentioned POS unit 13 comprises: card reader for magnetic strip cards 131 and IC-card card reader 132, read respectively the data of magnetic stripe card or IC-card.This POS unit 13 can arrange magnetic head and filtering circuit, by this magnetic head magnetic card is carried out data and reads, and utilizes this filtering circuit filtering to obtain to decode behind the magnetic card waveform to obtain data on magnetic card.Above-mentioned control module 14 can utilize 140 pairs of data on magnetic card that obtain of above-mentioned encrypting module to be encrypted, and carries out communication by communication terminal and the Remote Transaction platform that is connected with interface unit 12, realizes network payment.

Above-mentioned payment unit 15 can be the JAVA smart card, and it can have electronic purse function.This payment unit 15 can arrange RF antenna 150, closely identifies, and realizes closely payment.These payment unit 15 storable payment account information can comprise a plurality of, such as the information of member card that can preserve a plurality of businessmans etc.When the account of storage is supplemented with money in need to be to this payment unit 15, can finish by swiping the card in POS unit 13, so that supplement with money convenient, quick.

The control module 14 of above-mentioned mobile-payment system can adopt the STC11 series monolithic with the AT89C2051 compatibility.And can at the encrypting module 140 of the built-in high security of this single-chip microcomputer, carry out data encryption and process.The magnetic card card reading circuit of above-mentioned card reader for magnetic strip cards 131 at first amplifies by amplifier IC LM324, and filtering is processed, and then sends to single-chip microcomputer and processes.Single-chip microcomputer carries out first the F2F decoding to data on magnetic card, and then recompile, and is encrypted, and sends the Remote Transaction platform to by audio port.Above-mentioned JAVA smart card is realized by GPIO (General Purpose Input Output, universal input/output) simulation.Above-mentioned power supply unit 11 can adopt the polymer battery power supply of 100mAH, 4.2V, and produces the primary power of 3.3V by LDO, carries out the Charge Management of battery by G5242.Above-mentioned mobile-payment system also can comprise charging inlet and data transmission interface, and this charging inlet and data transmission interface can adopt the MicroUSB interface 16 of a standard to realize in the present embodiment, are used for simultaneously charging and refresh routine etc.

Above-mentioned mobile-payment system can be swiped the card by POS and be realized that network payment and stored value card supplement with money, so that network payment and stored value card are supplemented with money is convenient, quick; Simultaneously, can realize in this stored value card that many accounts use simultaneously, for the consumer bring more convenient.

The above only is the preferred embodiments of the present invention; be not so limit claim of the present invention; every equivalent structure or equivalent flow process conversion that utilizes instructions of the present invention and accompanying drawing content to do; or directly or indirectly be used in other relevant technical fields, all in like manner be included in the scope of patent protection of the present invention.

Claims (8)

1. mobile-payment system is included as the power supply unit of system power supply, it is characterized in that, also comprises: interface unit, POS unit, control module and payment unit;
Described interface unit is connected with communication terminal, carries out communication by communication terminal; Described POS unit carries out communication by interface unit and Remote Transaction platform, reads the data of smart card, by control module and interface unit and Remote Transaction platform realization bankcard consumption;
Described payment unit, storage payment account information is closely paid; And, when Sorry, your ticket has not enough value in described payment account, supplement with money by the POS unit.
2. mobile-payment system according to claim 1 is characterized in that, described interface unit is audio interface, is connected with the audio port of communication terminal.
3. mobile-payment system according to claim 1 and 2 is characterized in that, described POS unit comprises:
Card reader for magnetic strip cards and IC-card card reader read respectively the data of magnetic stripe card or IC-card.
4. mobile-payment system according to claim 3 is characterized in that, described smart card comprises magnetic stripe card and IC-card.
5. mobile-payment system according to claim 1 and 2 is characterized in that, described control module arranges encrypting module, and the data of carrying out communication by interface unit and Remote Transaction platform are encrypted.
6. mobile-payment system according to claim 1 and 2 is characterized in that, described payment unit arranges the RF antenna, closely identifies.
7. mobile-payment system according to claim 6 is characterized in that, described payment unit is the JAVA smart card.
8. mobile-payment system according to claim 1 is characterized in that, described mobile-payment system also comprises:
The MicroUSB interface is used for charging and data transmission.
CN2011102658360A 2011-09-08 2011-09-08 Mobile payment system CN102999841A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN2011102658360A CN102999841A (en) 2011-09-08 2011-09-08 Mobile payment system

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN2011102658360A CN102999841A (en) 2011-09-08 2011-09-08 Mobile payment system

Publications (1)

Publication Number Publication Date
CN102999841A true CN102999841A (en) 2013-03-27

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104182870A (en) * 2013-05-24 2014-12-03 中国银联股份有限公司 Security payment method and payment system based on mobile phone wallet
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

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US7434723B1 (en) * 2005-05-26 2008-10-14 Sprint Communications Company L.P. Mobile payment authorization system and method
CN101719247A (en) * 2009-11-30 2010-06-02 刘宜云 System and method for payment based on non-contact handheld payment terminal
US20100217676A1 (en) * 2009-02-24 2010-08-26 Blake Bookstaff Automatically adding gratuity to amount charged in electronic transaction
CN101887615A (en) * 2010-06-29 2010-11-17 宇龙计算机通信科技(深圳)有限公司 Method and system for realizing mobile payment of mobile terminal, and mobile terminal
CN101923757A (en) * 2010-08-05 2010-12-22 中国科学院深圳先进技术研究院 Mobile payment management system
CN101996442A (en) * 2009-08-25 2011-03-30 中国移动通信集团公司 Method, device and system for recharging electronic purse

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7434723B1 (en) * 2005-05-26 2008-10-14 Sprint Communications Company L.P. Mobile payment authorization system and method
US20100217676A1 (en) * 2009-02-24 2010-08-26 Blake Bookstaff Automatically adding gratuity to amount charged in electronic transaction
CN101996442A (en) * 2009-08-25 2011-03-30 中国移动通信集团公司 Method, device and system for recharging electronic purse
CN101719247A (en) * 2009-11-30 2010-06-02 刘宜云 System and method for payment based on non-contact handheld payment terminal
CN101887615A (en) * 2010-06-29 2010-11-17 宇龙计算机通信科技(深圳)有限公司 Method and system for realizing mobile payment of mobile terminal, and mobile terminal
CN101923757A (en) * 2010-08-05 2010-12-22 中国科学院深圳先进技术研究院 Mobile payment management system

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104182870A (en) * 2013-05-24 2014-12-03 中国银联股份有限公司 Security payment method and payment system based on mobile phone wallet
CN104182870B (en) * 2013-05-24 2017-12-15 中国银联股份有限公司 A kind of safe payment method and payment system based on mobile phone wallet
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
WO2015096645A1 (en) * 2013-12-24 2015-07-02 中国银联股份有限公司 Payment terminal, payment background and method of payment using virtual card

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Application publication date: 20130327