CN103699992A - Invisible payment system - Google Patents
Invisible payment system Download PDFInfo
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- CN103699992A CN103699992A CN201310690810.XA CN201310690810A CN103699992A CN 103699992 A CN103699992 A CN 103699992A CN 201310690810 A CN201310690810 A CN 201310690810A CN 103699992 A CN103699992 A CN 103699992A
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- information
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- pos machine
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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
- G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
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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
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- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Finance (AREA)
- Cash Registers Or Receiving Machines (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides an invisible payment system, which comprises an intelligent mobile phone provided with a global positioning system (GPS) and an assisted global positioning system (AGPS), a position-based point-of-sale (pos) machine, a receipt server and a bank payment server. The intelligent mobile phone provided with the GPS and the AGPS comprises a position sending device and a financial transaction information storage and sending device; the position-based pos machine comprises a financial transaction information storage and receiving device, a payment information receiving device, a receipt information generating device, a receipt information output device and a receipt result sending device; the bank receipt server comprises a receipt information receiving device, a receipt information processing device which cuts payment and transfer accounts according to receipt information and generates pos machine service information, and a receipt information output device which transmits the receipt information to the pos machine. The invisible payment is a convenient micropayment mode, a client can complete the payment when the client with the mobile phone passes a transaction site within 10 meters, and automatically obtains goods. The invisible payment system is applied to the micropayment fields such as newspapers, breakfast and exhibitions.
Description
Technical field
The present invention is about small amount payment technical field, and particularly the small amount payment technology about being associated with bank card account, is a kind of location-based payment system concretely.
Background technology
At present, buy newspaper every day, breakfast, will be through choosing kinds of goods, paying, get thing three links, wherein the fastest is McDonald's drive-in restaurant: " McDonald's Drive-Thru ", consumer completes whole shopping processes on automobile, and consumer drives to order at first window, at two windows, pay, then at the 3rd window, get thing, then drive to leave away, residence time approximately 3 minutes.Transactions velocity is very slow, has a strong impact on trading efficiency.Monetary charge needs small change, need to differentiate counterfeit money, very slow, with POS machine swipe the card pay just slower.
Summary of the invention
The embodiment of the present invention provides a kind of stealthy payment system and method, do not need people to carry out delivery operation at transaction scene, people's carrying mobile phone can complete payment within the scope of on-the-spot 10 meters, will choose kinds of goods, and pay, gets thing three links and be reduced to and get this link of thing.Improve small amount payment efficiency, thereby reduce people, spent the time in shopping.
Beneficial effect of the present invention is, user is easy to use, and user buys the article such as breakfast, newspaper and takes much count of the time conventionally, adverse consequences when overtime may cause working late.
Beneficial effect of the present invention is, more businesses are made within the unit interval by trade company, and efficiency improves significantly.For example the one transaction time of McDonald's Drive-Thru can reduce to 10 seconds by 180 seconds, raised the efficiency 18 times.
Beneficial effect of the present invention is, use crowd is extensive, and current most people have the smart mobile phone with GPS and AGPS, all can conclude the business.
A kind of stealthy payment system comprises: with the smart mobile phone of GPS and AGPS, location-based pos machine, bank gathering server.
Smart mobile phone with GPS and AGPS comprises position dispensing device, financial transaction information storage dispensing device; Position dispensing device is for sending position, phone number, the secret key of mobile phone; Financial transaction information storage dispensing device comprises the payment informations such as phone number, bank card name in an account book, bank's card number, Description of Goods, payment, secret key.
Location-based pos machine comprises pos hand set device, financial transaction information storing received device, payment information receiving trap, gathering information generation device, gathering information output apparatus, gathering result dispensing device.Pos hand set device, for financial transaction information storing received device with the smart mobile phone of GPS and AGPS, set up information channel.Financial transaction information storing received device comprises the gathering information such as phone number, bank card name in an account book, bank's card number, Description of Goods, payment, secret key for receiving.Payment information receiving trap is for receiving position, the phone number of described mobile phone, the information of secret key.Gathering information generation device is for generating gathering information according to described payment information; From pos hand set device, obtain the machine longitude and latitude.Gathering information output apparatus, for sending described gathering information to described bank gathering server; By the machine longitude and latitude, send described bank gathering server registration.Gathering result dispensing device is used for showing gathering result and sends information to delivery device.
Bank gathering server comprises gathering information receiver, gathering signal conditioning package, gathering information output apparatus.Gathering information receiver, the gathering information of sending for receiving described location-based pos machine.Gathering signal conditioning package, for calculating collection amount according to described gathering information, generation comprises the processing of withholing and transfer accounts of the gathering information of bank's card number and collection amount, whether checks pos machine and mobile phone location in predefine scope, generates pos machine business information.Gathering information output apparatus, sends described pos machine business information to pos machine.
Financial transaction information storage dispensing device can send financial transaction information to location-based pos machine in exchange hour, nontransaction time.Location-based pos machine also comprises: live video device, and for recording picking field data.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, to the accompanying drawing of required use in embodiment or description of the Prior Art be briefly described below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skills, do not paying under the prerequisite of creative work, can also obtain according to these accompanying drawings other accompanying drawing.
Figure l is a kind of stealthy payment system schematic diagram of EXAMPLE l.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Describe, obviously, described embodiment is only the present invention's part embodiment, rather than whole embodiment wholely.Based on
Embodiment in the present invention, those of ordinary skills are not making obtain under creative work prerequisite every other
Embodiment, belongs to the scope of protection of the invention.
EXAMPLE l is bought McDonald's Drive-Thru breakfast.
As shown in Figure l, the step of the present embodiment.
Step 1: client sends order, comprises position dispensing device, financial transaction information storage dispensing device with the smart mobile phone of GPS and AGPS.Position dispensing device is for sending position, phone number, the secret key of mobile phone.Financial transaction information storage dispensing device comprises the payment informations such as phone number, bank card name in an account book, bank's card number, Description of Goods, payment, secret key.
Step 2: client is through shopping point, and pos machine is collected money, and location-based pos machine comprises pos hand set device, financial transaction information storing received device, payment information receiving trap, gathering information generation device, gathering information output apparatus, gathering result dispensing device.Pos hand set device, for financial transaction information storing received device with the smart mobile phone of GPS and AGPS, set up information channel.Financial transaction information storing received device comprises the gathering information such as phone number, bank card name in an account book, bank's card number, Description of Goods, payment, secret key for receiving.Payment information receiving trap is for receiving position, the phone number of described mobile phone, the information of secret key.Gathering information generation device is for generating gathering information according to described payment information; From pos hand set device, obtain the machine longitude and latitude.Gathering information output apparatus, for sending described gathering information to described bank gathering server; By the machine longitude and latitude, send described bank gathering server registration.
Step 3: client's picking thing, take McDonald's Drive-Thru as example, during driving admission passage, received payment railing is opened, and gets and early leaves away after the meal.Gathering result dispensing device is used for showing gathering result and sends information to delivery device.
Step 4: bank gathering is processed gathering matters.Bank gathering server comprises gathering information receiver, gathering signal conditioning package, gathering information output apparatus.Gathering information receiver, the gathering information of sending for receiving described location-based pos machine.Gathering signal conditioning package, for calculating collection amount according to described gathering information, generation comprises the processing of withholing and transfer accounts of the gathering information of bank's card number and collection amount, whether checks pos machine and mobile phone location in predefine scope, generates pos machine business information.Gathering information output apparatus, sends described pos machine business information to pos machine.
In the present invention, applied specific embodiment principle of the present invention and embodiment are set forth, the explanation of above embodiment is just for helping to understand method of the present invention and core concept thereof; , for one of ordinary skill in the art, according to thought of the present invention, all will change in specific embodiments and applications, in sum, this description should not be construed as limitation of the present invention meanwhile.
Claims (5)
1. a stealthy payment system, is characterized in that, described payment system comprises: with the smart mobile phone of GPS and AGPS, location-based pos machine, bank gathering server;
The described smart mobile phone with GPS and AGPS comprises: position dispensing device, financial transaction information storage dispensing device; Position dispensing device, for sending position, phone number, the secret key of mobile phone; Financial transaction information storage dispensing device; Comprise the payment informations such as phone number, bank card name in an account book, bank's card number, Description of Goods, payment, secret key;
Described location-based pos machine comprises: pos hand set device, financial transaction information storing received device, payment information receiving trap, gathering information generation device, gathering information output apparatus, gathering result dispensing device; Pos hand set device, for financial transaction information storing received device with the smart mobile phone of GPS and AGPS, set up information channel; Financial transaction information storing received device, comprises the gathering information such as phone number, bank card name in an account book, bank's card number, Description of Goods, payment, secret key for receiving; Payment information receiving trap, for receiving position, the phone number of described mobile phone, the information of secret key; Gathering information generation device, for generating gathering information according to described payment information, obtains the machine longitude and latitude from pos hand set device; Gathering information output apparatus, for described gathering information being sent to described bank gathering server, send described bank gathering server registration by the machine longitude and latitude; Gathering result dispensing device, for showing gathering result and sending information to delivery device;
Described bank gathering server comprises: gathering information receiver, gathering signal conditioning package, gathering information output apparatus; Gathering information receiver, the gathering information of sending for receiving described location-based pos machine; Gathering signal conditioning package, for calculating collection amount according to described gathering information, generation comprises the processing of withholing and transfer accounts of the gathering information of bank's card number and collection amount, whether checks pos machine and mobile phone location in predefine scope, generates pos machine business information; Gathering information output apparatus, sends described pos machine business information to pos machine.
2. according to the financial transaction information storage dispensing device described in claim l, it is characterized in that, in exchange hour, nontransaction time, can send financial transaction information to location-based pos machine, also can once send many financial transaction information to location-based pos machine.
According to described in claim l in the pos of position machine, it is characterized in that, also comprise live video device, for recording picking field data.
4. according to the bank gathering server described in claim l, it is characterized in that, comprise gathering information authenticating apparatus, for the legitimacy of described gathering information is authenticated.
5. according to the pos machine business information described in claim l, it is characterized in that, comprise gathering successful information or gathering failure information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310690810.XA CN103699992B (en) | 2013-12-15 | 2013-12-15 | Invisible payment system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310690810.XA CN103699992B (en) | 2013-12-15 | 2013-12-15 | Invisible payment system |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN103699992A true CN103699992A (en) | 2014-04-02 |
| CN103699992B CN103699992B (en) | 2017-04-12 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201310690810.XA Expired - Fee Related CN103699992B (en) | 2013-12-15 | 2013-12-15 | Invisible payment system |
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Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102419846A (en) * | 2011-12-30 | 2012-04-18 | 快钱支付清算信息有限公司 | Point of sale (POS) network-based non-near-field payment system and method |
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2013
- 2013-12-15 CN CN201310690810.XA patent/CN103699992B/en not_active Expired - Fee Related
Patent Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102419846A (en) * | 2011-12-30 | 2012-04-18 | 快钱支付清算信息有限公司 | Point of sale (POS) network-based non-near-field payment system and method |
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| Publication number | Publication date |
|---|---|
| CN103699992B (en) | 2017-04-12 |
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| SE01 | Entry into force of request for substantive examination | ||
| CB03 | Change of inventor or designer information |
Inventor after: Jiang Guojian Inventor before: Wang Meijin |
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| CB03 | Change of inventor or designer information | ||
| TA01 | Transfer of patent application right |
Effective date of registration: 20170307 Address after: 350000 (), room 12-45F, No. 27, Lake Road, Mawei District, Fujian, China Applicant after: Fujian Aitedian Information Technology Co.,Ltd. Address before: No. 15 half River Garden 528100 Guangdong province Foshan City Sanshui District southwest Street Sha Tau Road 7 804 Applicant before: Wang Meijin |
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| CF01 | Termination of patent right due to non-payment of annual fee |
Granted publication date: 20170412 Termination date: 20211215 |
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| CF01 | Termination of patent right due to non-payment of annual fee |