CN103593760B - Method of payment and payment system based on multimedia receiver terminal - Google Patents
Method of payment and payment system based on multimedia receiver terminal Download PDFInfo
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- CN103593760B CN103593760B CN201210290355.XA CN201210290355A CN103593760B CN 103593760 B CN103593760 B CN 103593760B CN 201210290355 A CN201210290355 A CN 201210290355A CN 103593760 B CN103593760 B CN 103593760B
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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
- G06Q20/16—Payments settled via telecommunication systems
-
- 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
-
- 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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4012—Verifying personal identification numbers [PIN]
Abstract
The present invention relates to a kind of method of payment based on multimedia receiver terminal, the multimedia receiver terminal includes browsing module and the first near-field communication module, and the browsing module is used for browse network service, and this method includes：The browsing module is initiated to pay request；Connected according to being established between the second near-field communication module in the payment request call first near-field communication module and mobile terminal；Transaction data is sent to the mobile terminal by the connection；Mobile terminal connection paying server is completed to pay.Above-mentioned method of payment easily can be completed to pay by the payment application in mobile terminal, make full use of and application is paid in mobile terminal, paid in addition, need not also be bound multimedia receiver terminal and bank card or other payment accounts with realizing, mode of operation is more succinct.In addition, the present invention also provides a kind of payment system based on multimedia receiver terminal.
Description
Technical field
The present invention relates to on-line payment technology, more particularly to a kind of method of payment and payment based on multimedia receiver terminal
System.
Background technology
In recent years, under the effort of each bank's associated mechanisms, it is successfully realized based on the various ends such as mobile phone, phone, computer
The mode of e-payment is carried out on end, has promoted the rapid development of electronic payment.At the same time, traditional cable television network
Gradually it is transformed into digital TV network, correspondingly, the DTV STB for running intelligence system also gradually enters into huge numbers of families.
In order to effectively utilize the network of this coverage rate superelevation of digital tv network, also occur being based on digital television in the prior art
The e-payment technology of top box.
For example, the bank paying account of user is bundled with set top box, directly backstage is deducted fees automatically；Or directly exist
POS terminal is installed, direct brush bank card is completed to pay in DTV STB.But have with upper type inconvenient for use
The problem of：In former mode, it is necessary to bundle bank account, user is difficult change, inconvenient for use；In latter approach, still
Need to use bank card, but in home environment, general bank card will not carry with, it is necessary to additionally carry out a card taking with
And the process preserved after paying, using also relatively complicated in program.
The content of the invention
In view of this, it is necessary to provide it is a kind of regard method of payment and payment system based on multimedia receiver terminal, it makes
It is more convenient to use.
A kind of method of payment based on multimedia receiver terminal, the multimedia receiver terminal be DTV STB or
Digital television, the multimedia receiver terminal include browsing module, the first payment module and the first near-field communication module, this method
Including：The browsing module is initiated to pay request, and transaction data is sent to first payment module；First payment module according to
Connection is established between the second near-field communication module in the payment request call first near-field communication module and mobile terminal, its
In, first near-field communication module makes the multimedia receiver terminal whole with the movement with second near-field communication module by pairing
Unique pairing is formed between end；The transaction data is sent to the second payment module of the mobile terminal by the connection；Should
Second payment module connects paying server according to the transaction data, sends the payment and asks to the paying server to complete to prop up
Pay.
A kind of payment system based on multimedia receiver terminal, including：Multimedia receiver terminal and mobile terminal, wherein,
The multimedia receiver terminal is DTV STB or digital television；The multimedia receiver terminal include browsing module,
First payment module and the first near-field communication module, the mobile terminal include the second payment module and the second near-field communication module；
The browsing module is used for browse network service and initiates to pay request, and transaction data is sent to first payment module；This
One payment module is used for according to the payment request call first near-field communication module；First near-field communication module is used for and this
Connection is established between second near-field communication module of mobile terminal, and is sent the transaction data to movement end by the connection
Second payment module at end, wherein, first near-field communication module makes more matchmakers with second near-field communication module by pairing
Unique pairing is formed between body receiving terminal and the mobile terminal；Second payment module is used to be connected according to the transaction data
Paying server, send the payment and ask to the paying server to complete to pay.
, can be convenient by the payment request initiated in multimedia receiver terminal in above-mentioned payment system and method for payment
Complete to pay by the payment application in mobile terminal, make full use of and application is paid in mobile terminal, in addition, need not also will be more
Media receiver terminal is bound with bank card or other payment accounts to be paid with realizing, mode of operation is more succinct.
For the above and other objects, features and advantages of the present invention can be become apparent, preferred embodiment cited below particularly,
And coordinate institute's accompanying drawings, it is described in detail below.
Brief description of the drawings
Fig. 1 is the structured flowchart for the payment system based on multimedia receiver terminal that first embodiment of the invention provides；
Fig. 2 is the flow chart of the method for payment for the payment system based on Fig. 1 that second embodiment of the invention provides；
Fig. 3 is the flow chart of the method for payment for the payment system based on Fig. 1 that third embodiment of the invention provides；
Fig. 4 is the flow chart of the method for payment for the payment system based on Fig. 1 that fourth embodiment of the invention provides.
Embodiment
Further to illustrate that the present invention is to realize technological means and effect that predetermined goal of the invention taken, below in conjunction with
Accompanying drawing and preferred embodiment, to the tool according to the method for payment proposed by the present invention based on multimedia receiver terminal and payment system
Body embodiment, structure, feature and its effect, describe in detail as after.
Fig. 1 is the structured flowchart for the payment system based on multimedia receiver terminal that first embodiment of the invention provides.Such as
Shown in Fig. 1, payment system 100 includes multimedia receiver terminal 10 and mobile terminal 20.
Multimedia receiver terminal 10 for example can be that DTV STB, digital television or internet multimedia are whole
End, it include processor 11 and the first near-field communication being connected with processor 11 (Near Field Communication,
NFC) module 12.Include the payment module 14 of browsing module 13 and first in processor 11, browsing module 13 is, for example, to run on place
The browser application or other application in device 11 are managed, such as online shopping service is serviced for browse network, and first pays
Module 13 is, for example, the functional module that can run in processor 11, for the payment request call sent according to browsing module 13
First near-field communication module 12.
In addition, multimedia receiver terminal 10 may also include record sharing module 15, for record and share transaction data or
Person he need to be transmitted the data to share by the first near-field communication module 12.
Mobile terminal 20 includes processor 21 and the second near-field communication module 22 being connected with processor 21.In processor 21
Including the second payment module 23.Second payment module 23 is, for example, the payment application run in processor 21.
Fig. 2 is the flow chart for the method for payment based on payment system 100 that second embodiment of the invention provides.Such as Fig. 2 institutes
Show, the method for payment includes：
Step S110, browsing module 13 is initiated to pay request；For example, browsing module 13 is browser application, user uses
This browser application browses the online shopping service on internet, it is seen that is transferred to payment after confirming to merchandise during the commodity to be bought
Interface, a variety of means of payment is provided in payment interface, wherein for example may include the option that the machine NFC modes are paid, in this option
After being selected and confirming, browsing module 13 is initiated to pay request.Initiate to pay the concrete mode of request for example including by number of deals
According to transmission into the first payment module 13.Transaction data is such as may include trade name, hotel owner's title, price.
Step S120, the first payment module 13 is whole with movement according to the payment request call first near-field communication module 12
Connection is established between the second near-field communication module 22 in end.
Specifically, the first near-field communication module 12 can scan nearby whether have other wireless signals may interfere with or
The current transaction of monitoring.If so, the first near-field communication module 12 waits for several seconds, collision detection is then restarted.Such as
Fruit will send wireless request without other interference signals, the first near-field communication module 12 to surrounding environment.
Now, the second near-field communication mould by mobile terminal 20 in the first near-field communication module 12, mobile terminal 20
Block 22 can receive the connection request of the equipment of the first near-field communication module 12.This pairing process is automatically performed, and speed
Degree is very fast, and the time as defined in standard agreement is less than 0.1s.After pairing, mobile terminal 20 has reformed into the first near-field communication
The target that module 12 connects.In order to ensure that the connection established is exclusively enjoying, exclusive, the second near-field communication module 22 can be to first
12 device replied of near-field communication module, one information for carrying equipment unique identifier, for identifying body during subsequent communications
Part.
First near-field communication module 12 sends specific transaction connection configuration information again, and sends request and obtain second
The data exchange agreement that near-field communication module 22 is supported, the first near-field communication module 12 can also ask to the second near-field communication module 22
Ask other information, including data frame sign, transmission speed and instruction set of support etc..Second near-field communication module 22 responds end
After these requests at end, so that it may the formal transmission for being traded data.
Step S130, transaction data is sent to mobile terminal 20 by the connection.Transaction data for example may include commodity
Title, hotel owner's title, price etc..Transaction data is to be sent directly to the second near-field communication module by the first near-field communication module 12
22, the second payment module 23 is then forwarded to by the second near-field communication module 22.
Step S140, mobile terminal 20 connects paying server and completes to pay.Second payment module 23 is, for example, to run on
Payment application in processor 21, it is parsed after receiving to transaction data and is shown to user.It can use predefined
The means of payment bank account, the account of Third-party payment service that have for example bundled paid.When the means of payment is including more
Kind when, the input of user can also be received to select certain means of payment.After the means of payment determines, the second payment module 23 is
Request transmission can will be paid to complete to pay to corresponding paying server.
, can be convenient by the payment request initiated in multimedia receiver terminal in above-mentioned payment system and method for payment
Complete to pay by the payment application in mobile terminal, make full use of and application is paid in mobile terminal, in addition, need not also will be more
Media receiver terminal is bound with bank card or other payment accounts to be paid with realizing, mode of operation is more succinct.
Refering to Fig. 3, third embodiment of the invention provides a kind of method of payment based on payment system 100, and it is real with second
It is similar to apply the method for payment of example, its difference is, also includes after step s 140：
Step S150, browsing module 13 loads and shows payment result.It is appreciated that in transaction data, except above-mentioned
Trade name, hotel owner's title, price etc. are outer, can also include transaction journal number and return address, can be with according to transaction journal number
The details of transaction are traced, and return address for example refers to the address that the page of payment result is received in online shopping service.
Transaction journal number and return address can be sent to paying server in the lump by the second payment module 23, and are completed in paying server
Transaction journal number can be sent to return address in the lump with payment result after payment, so as to which browsing module 13 can be from online shopping
Service center loads payment result and shown.
In the method for payment of the present embodiment, after the completion of payment, branch can be shown at once in multimedia receiver terminal 10
Result is paid, whole payment process is more complete, directly perceived.
Refering to Fig. 4, fourth embodiment of the invention provides a kind of method of payment based on payment system 100, and it is real with second
It is similar to apply the method for payment of example, its difference is, also includes after step s 140：
Step S160, transaction data is recorded；And
Step S170, the transaction data is returned to the reception using the first near-field communication module according to the request of receiving terminal
Terminal.
Above-mentioned receiving terminal is different from other of multimedia receiver terminal and mobile terminal intelligent terminal.Such as receive
Terminal can be smart mobile phone, tablet personal computer etc. that other users use in family, or the smart mobile phone that family visitor uses
Or tablet personal computer etc..
It is appreciated that near-field communication module is equally installed, based on above-mentioned multimedia body receiving terminal in receiving terminal
Similar mode carries out near-field communication between 10 and mobile terminal 20.Above-mentioned transaction data is carried out by way of near-field communication
Transmission.
A typical case example introduced below.For example, the first user is using have purchased article during multimedia receiver terminal 10
A, and paid in the mobile terminal 20 by the method for payment of above-described embodiment, while the record of multimedia receiver terminal 10 point
Enjoy module 15 and record transaction data.Second user according to the introduction of the first user recognize article A and also want to buy article A,
Now, for second user by receiving terminal close to multimedia receiver terminal 10, the transaction of record can be obtained by pressing corresponding button
Data, so as to easily complete purchase in the receiving terminal.
In the method for payment of the present embodiment, the friendship is returned by recording transaction data, and using the first near-field communication module
Easy data realize detailed shared of each shopping article on multiple terminals to the receiving terminal.It is further appreciated that share
Data be not limited to transaction data, other data, for example, photo, message etc. can pass through the side similar with transaction data
Formula is shared, and the use to user brings great convenience.
In addition, the embodiment of the present invention also provides a kind of computer-readable recording medium, it is stored with computer and can perform
Instruction, above-mentioned computer-readable recording medium is, for example, nonvolatile memory such as CD, hard disk or flash memory.
Above-mentioned computer executable instructions are used to allow computer or similar arithmetic unit to complete following operate：
Browsing module is initiated to pay request；According in the payment request call first near-field communication module and mobile terminal
The second near-field communication module between establish connection；Transaction data is sent to the mobile terminal by the connection；The movement is whole
End connection paying server is completed to pay.
Further, call and establish connection between first near-field communication module and mobile terminal and may include：This is first near
Field communication module sends wireless request to surrounding environment；Second near-field communication module receives first near with this after the wireless request
Field communication module is completed to match and returns to unique identifier to first near-field communication module.
Further, it is complete with first near-field communication module after moving the second near-field communication module and receiving the wireless request
Cheng Peihou also includes：First near-field communication module sends transaction connection configuration information, request to second near-field communication module
Obtain data exchange agreement, data frame sign, transmission speed or the instruction set of support of second near-field communication module support.
Further, also include before mobile terminal connection paying server is completed to pay：The mobile terminal selects
The means of payment.
Further, also include after mobile terminal connection paying server is completed to pay：The browsing module loads
And show payment result.
Further, in addition to the transaction data is recorded；And led to according to the request of receiving terminal using first near field
Believe the transaction data of module return recording to the receiving terminal.
The above described is only a preferred embodiment of the present invention, any formal limitation not is made to the present invention, though
So the present invention is disclosed as above with preferred embodiment, but is not limited to the present invention, any those skilled in the art, not
Depart from the range of technical solution of the present invention, when the technology contents using the disclosure above make a little change or are modified to equivalent change
The equivalent embodiment of change, as long as being without departing from technical solution of the present invention content, the technical spirit according to the present invention is implemented to more than
Example any brief introduction modification, equivalent variations and the modification made, in the range of still falling within technical solution of the present invention.
Claims (10)
1. a kind of method of payment based on multimedia receiver terminal, the multimedia receiver terminal is DTV STB or number
Word television set, it is characterised in that multimedia receiver terminal initiates to pay request, and is carried out by the payment application in mobile terminal
Pay, the multimedia receiver terminal, which includes browsing module, the first payment module and the first near-field communication module, this method, to be included：
The browsing module is initiated to pay request, and transaction data is sent to first payment module；
First payment module is according to the second near field in the payment request call first near-field communication module and mobile terminal
Between communication module establish connection, wherein, this first march into the arena communication module with this second march into the arena communication module by pairing make this
Unique pairing is formed between multimedia receiver terminal and the mobile terminal；
Transaction data is sent to the second payment module of the mobile terminal by the connection；
Second payment module according to the transaction data connect paying server, send the payment ask it is complete to the paying server
Into payment；
Wherein, being connected in second payment module before the paying server is completed to pay also includes：The mobile terminal, which receives, to be used
The input at family is to select the means of payment.
2. the method for payment based on multimedia receiver terminal as claimed in claim 1, it is characterised in that first near-field communication
Module and second near-field communication module make to be formed uniquely between the multimedia receiver terminal and the mobile terminal by pairing
Pairing includes:
First near-field communication module sends wireless request to surrounding environment；
Second near-field communication module is completed to match and return only after receiving the wireless request with first near-field communication module
One identification code is to first near-field communication module.
3. the method for payment based on multimedia receiver terminal as claimed in claim 2, it is characterised in that lead in second near field
Letter module is completed also to include after matching after receiving the wireless request with first near-field communication module:
First near-field communication module to second near-field communication module send transaction connection configuration information, acquisition request this second
Data exchange agreement, data frame sign, transmission speed or the instruction set of support that near-field communication module is supported.
4. the method for payment based on multimedia receiver terminal as claimed in claim 1, it is characterised in that in the second payment mould
Block connects the paying server and completes also to include after paying:
The browsing module loads and shows payment result.
5. the method for payment based on multimedia receiver terminal as claimed in claim 1, it is characterised in that the multimedia reception is whole
End also includes record sharing module, and this method also includes:
The record sharing module records the transaction data；And
According to the request of receiving terminal using the transaction data of the first near-field communication module return recording to the receiving terminal.
A kind of 6. payment system based on multimedia receiver terminal, it is characterised in that including:
Multimedia receiver terminal and mobile terminal, multimedia receiver terminal initiates to pay request, and passes through the branch in mobile terminal
Application is paid to be paid, wherein, the multimedia receiver terminal is DTV STB or digital television；
The multimedia receiver terminal includes browsing module, the first payment module and the first near-field communication module, the mobile terminal bag
Include the second payment module and the second near-field communication module；
The browsing module is used to initiate to pay request, and transaction data is sent to first payment module；
First payment module is used for according to the payment request call first near-field communication module；
First near-field communication module is used to establish connection between the second near-field communication module of the mobile terminal, and passes through this
Connection sends the transaction data to the second payment module of the mobile terminal, wherein, first near-field communication module with this
Two near-field communication modules make to form unique pairing between the multimedia receiver terminal and the mobile terminal by pairing；
Second payment module is used to connect paying server according to the transaction data, sends the payment and asks to the payment services
Device is to complete to pay；
Wherein, being connected in second payment module before the paying server is completed to pay also includes：The mobile terminal, which receives, to be used
The input at family is to select the means of payment.
7. the payment system based on multimedia receiver terminal as claimed in claim 6, it is characterised in that first near-field communication
Module and second near-field communication module make to be formed uniquely between the multimedia receiver terminal and the mobile terminal by pairing
Pairing includes:
First near-field communication module sends wireless request to surrounding environment；
Second near-field communication module is completed to match and return only after receiving the wireless request with first near-field communication module
One identification code is to first near-field communication module.
8. the payment system based on multimedia receiver terminal as claimed in claim 6, it is characterised in that lead in second near field
Letter module is completed also to include after matching after receiving the wireless request with first near-field communication module:
First near-field communication module to second near-field communication module send transaction connection configuration information, acquisition request this second
Data exchange agreement, data frame sign, transmission speed or the instruction set of support that near-field communication module is supported.
9. the payment system based on multimedia receiver terminal as claimed in claim 6, it is characterised in that in the second payment mould
Block connects the paying server and completes also to include after paying:
The browsing module loads and shows payment result.
10. the payment system based on multimedia receiver terminal as claimed in claim 6, it is characterised in that the multimedia reception
Terminal also includes record sharing module, and the record sharing module is used to record the transaction data and be adopted according to the request of receiving terminal
With the transaction data of the first near-field communication module return recording to the receiving terminal.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201210290355.XA CN103593760B (en) | 2012-08-15 | 2012-08-15 | Method of payment and payment system based on multimedia receiver terminal |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201210290355.XA CN103593760B (en) | 2012-08-15 | 2012-08-15 | Method of payment and payment system based on multimedia receiver terminal |
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| Publication Number | Publication Date |
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| CN103593760A CN103593760A (en) | 2014-02-19 |
| CN103593760B true CN103593760B (en) | 2017-11-28 |
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| CN201210290355.XA Active CN103593760B (en) | 2012-08-15 | 2012-08-15 | Method of payment and payment system based on multimedia receiver terminal |
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Families Citing this family (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105512878B (en) * | 2014-10-20 | 2020-06-02 | 阿里巴巴集团控股有限公司 | Method and system for realizing electronic payment by mobile terminal |
| CN105654292A (en) * | 2014-11-24 | 2016-06-08 | 中国移动通信集团公司 | Payment method and system, and relevant equipment |
| CN105744374A (en) * | 2016-02-01 | 2016-07-06 | 四川长虹电器股份有限公司 | NFC near field communication payment method based on smart television |
| CN106600262A (en) * | 2016-11-21 | 2017-04-26 | 上海斐讯数据通信技术有限公司 | System and method for automatically adjusting payment modes according to different wifis |
| CN109003066A (en) * | 2018-07-17 | 2018-12-14 | 华润物业工程科技有限公司 | A kind of POS terminal charging system |
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| CN101055638A (en) * | 2007-03-13 | 2007-10-17 | 中兴通讯股份有限公司 | System and method for realizing electronic business in network TV |
| CN101257619A (en) * | 2008-03-21 | 2008-09-03 | 华为技术有限公司 | Method, system and equipment for controlling interactive video service |
| CN101308557A (en) * | 2007-05-17 | 2008-11-19 | 祁勇 | Method for implementing secured electronic charging |
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| CN101055638A (en) * | 2007-03-13 | 2007-10-17 | 中兴通讯股份有限公司 | System and method for realizing electronic business in network TV |
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Effective date of registration: 20210922 Address after: 518000 Tencent Building, No. 1 High-tech Zone, Nanshan District, Shenzhen City, Guangdong Province, 35 Floors Patentee after: TENCENT TECHNOLOGY (SHENZHEN) Co.,Ltd. Patentee after: TENCENT CLOUD COMPUTING (BEIJING) Co.,Ltd. Address before: 2, 518044, East 403 room, SEG science and Technology Park, Zhenxing Road, Shenzhen, Guangdong, Futian District Patentee before: TENCENT TECHNOLOGY (SHENZHEN) Co.,Ltd. |
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