CN103854173A - Mobile payment method for field shopping - Google Patents
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- CN103854173A CN103854173A CN201410123226.0A CN201410123226A CN103854173A CN 103854173 A CN103854173 A CN 103854173A CN 201410123226 A CN201410123226 A CN 201410123226A CN 103854173 A CN103854173 A CN 103854173A
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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
- G06Q20/12—Payment architectures specially adapted for electronic shopping 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
- G06Q20/32—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
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
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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
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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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
- G06Q20/40—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
- G06Q20/403—Solvency checks
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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
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Strategic Management (AREA)
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- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
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Abstract
The invention relates to a mobile payment method for field shopping, and belongs to the technical field of mobile payment. A cellphone is utilized as a payment terminal of a consumer and a non-contact POS (point-of-sale) terminal of a commercial tenant. The mobile payment method comprises the steps that a commercial tenant cashier utilizes the cellphone to recognize a bar code of a commodity chosen by a consumer, and then a trading two-dimension code generated according to order information and business information is displayed on a cellphone screen; the consumer utilizes the cellphone to recognize trading two-dimension code information, and requests an internet payment platform and a bank deal system to pay after affirming the amount of payment. The mobile payment method provided by the invention has the advantages that a bank card and a POS machine are needed in the whole trading process, and the information of a bank card and account codes of the customer do not enter a commercial tenant cashier system, so that the operating cost of the commercial tenant is reduced, and the safety of mobile online payment is also guaranteed; a mobile payment system can record consumer consuming behavior data and commercial tenant market data which are generated in the trading process, and thus data resources with huge economic values and social values are accumulated for banks or Union Pay.
Description
Technical field
The present invention relates to a kind of method of mobile payment for in-store shopping, particularly a kind of method of mobile payment for paying on shopping and line under line, belongs to mobile payment technical field.
Background technology
Along with the fast development of the fast universal and mobile Internet of smart mobile phone, each big bank and Unionpay have all realized being connected of mobile phone and bank card (comprising debit card and credit card), make the consumer in the time of shopping online, can use smart mobile phone to carry out remote mobile payment.But consumer is in the time that market shopping uses cashless payment mode, substantially adopt traditional bank card-POS(Point Of Sale) point-of-sale terminal (hereinafter to be referred as the POS machine) modes of payments of swiping the card, or adopt the near-field communication mobile phone terminal (Near Field Communication, hereinafter to be referred as NFC) of Unionpay's release and carry out on-line transaction or offline transaction with the POS machine of non-contact reader-writer.
Traditional bank card POS machine is swiped the card, and there are the following problems for the modes of payments:
(1) while swiping the card operation, bank card leaves consumer, deposits the risk that card information is revealed in the bank;
(2) while swiping the card, bank card information and account password all enter in POS machine and process, the possibility that has confidential information to be stolen;
(3) dealing money is manually inputted by the cashier of trade company, if holder does not find to input amount of money mistake in the time that signature is confirmed, can bring loss to both sides;
(4) trade company need to dispose POS machine, has increased the operating cost of trade company, is difficult to apply in medium and small trade company and low developed area.
There are the following problems for NFC mobile phone terminal near field mobile payment mode:
(1) consumer need be replaced by NFC mobile phone by the common smart mobile phone in hand, has increased customer using cost;
(2) NFC mobile phone has increased NFC close range wireless communication module and antenna, has increased the cost of NFC mobile phone simultaneously, form certain market scale and still need the longer time.
(3) NFC mobile-phone payment mode needs the close fit of multiple links such as smart mobile phone manufacturer, Virtual network operator, financial institution, businessman, between links, remain in certain difference at aspects such as distribution of interests, right and responsibility, disbursement and sattlements, affected to a certain extent the popularization of NFC near field mobile payment mode.
(4) consumer's micro-electronic cash is stored in NFC mobile phone, once mobile phone is lost, loss cannot make up.
(5) trade company need to dispose the POS machine with non-contact reader-writer, has increased the operating cost of trade company.
In a word, the swipe the card modes of payments and NFC mobile phone near field mobile payment mode of traditional bank card POS machine all needs trade company need dispose POS machine, both increased the operating cost of trade company, is unfavorable for again applying in medium and small trade company and low developed area.In addition, existing two kinds of modes of payments are not all carried out record to the consumer spending behavioral data producing in process of exchange and trade company's sales data, and the large data resource that contains huge commercial value is run off in vain.
Summary of the invention
The object of the invention is to propose a kind of as seen mobile payment technology based on cloud payment platform, to overcome the swipe the card deficiency of the modes of payments and NFC mobile phone mobile payment mode of existing bank card POS machine, reduce operating cost, and improve consumer's property safety.
The method of mobile payment for in-store shopping that the present invention proposes, comprises the following steps:
(1) consumer and trade company, respectively in the registration of mobile Internet payment platform, make consumer's cell-phone number and consumer's banker's payment account associated, make the cell-phone number of trade company and the bank gathering account of trade company associated;
(2) cashier of trade company uses trade company's mobile phone to take the bar code of consumer's free choice of goods, the automatic recognition value bar code information of trade company's mobile phone, and generate sequence information, comprise order number, trade name, quantity, unit price and transaction total charge;
(3) trade company's mobile phone is encrypted and encodes trade company's collecting account and sequence information, generate transaction Quick Response Code, and on trade company's mobile phone screen, showing this transaction Quick Response Code, trade company's bank gathering account and sequence information are sent to mobile Internet payment platform by trade company's mobile phone simultaneously;
(4) consumer uses mobile phone to take the transaction Quick Response Code showing on trade company's mobile phone screen, and the transaction Quick Response Code of taking is decoded and deciphering obtains Transaction Information, Transaction Information comprises trade company's bank gathering account and sequence information, and the sequence information in Transaction Information is presented on consumer's mobile phone screen;
(5) consumer is according to the sequence information showing on consumer's mobile phone screen, trade name, quantity, unit price and transaction total charge are checked after confirmation, to consumer's mobile phone input consumer banker's payment account's payment cipher, consumer's mobile phone will generate transaction message after the payment cipher group bag of trade company's bank gathering account, sequence information and consumer's banker's payment account in Transaction Information, after encrypting, send to mobile Internet payment platform, request pays;
(6) mobile Internet payment platform is deciphered and unpacks transaction message, obtain trade company's bank gathering account, sequence information and consumer's banker's payment account's payment cipher, and after the sequence information that trade company in sequence information and step (3) is sent compares and confirms, payment in trade company's bank gathering account, sequence information, consumer's banker's payment account's payment cipher group together with chartered consumer's banker's payment account is bundled into payment message, this payment message is sent to bank transaction system;
(7) sequence information that mobile Internet payment platform is confirmed step (6) stores respectively consumer and trade company under the registration account of mobile Internet payment platform;
(8) bank transaction system unpacks the payment message receiving, obtain trade company's bank gathering account, payment in sequence information, consumer's banker's payment account's payment cipher and chartered consumer's banker's payment account, the payment cipher of examination & verification consumer banker's payment account, examination & verification consumer banker's payment account balance, if it is qualified to audit, according to the payment in sequence information, payment for goods is transferred to trade company's bank gathering account from consumer's banker's payment account, complete after payment, bank transaction system sends and has paid instruction to mobile Internet payment platform, if audit defective, the information of payment cipher mistake or consumer's banker's payment account balance deficiency is returned to mobile Internet payment platform,
(9) mobile Internet payment platform receives that the payment of bank transaction system completes after instruction, respectively to consumer's mobile phone with trade company's mobile phone sends this trading order form information and payment completes instruction, confirms to have paid.
The method of mobile payment for in-store shopping that the present invention proposes, its advantage is:
The inventive method utilizes mobile phone as consumer's payment terminal and the noncontact POS terminal of trade company, in whole process of exchange, pays without using bank card and POS machine just can complete Mobile Online.Consumer's bank card information and account password do not enter trade company's POS system, have solved the problem that bank card information is easily stolen in the process of swiping the card; Dealing money is generated automatically by trade company's mobile phone, does not need cashier to input by hand dealing money, has stopped the people in payment process completely for input error; Trade company, can be in medium and small trade company and low developed area popularization and application without purchasing special POS machine.The mobile-payment system that the present invention proposes carries out record to the consumer spending behavioral data producing in process of exchange and trade company's sales data, in providing trading account management service for consumer and trade company, for bank or Unionpay's accumulation have the large data resource of huge economic value and social value.
Brief description of the drawings
Fig. 1 is the schematic flow sheet of the method for mobile payment for in-store shopping that proposes of the present invention.
Embodiment
The method of mobile payment for in-store shopping that the present invention proposes, its schematic flow sheet as shown in Figure 1, comprises the following steps:
(1) consumer and trade company, respectively in the registration of mobile Internet payment platform, make consumer's cell-phone number and consumer's banker's payment account associated, make the cell-phone number of trade company and the bank gathering account of trade company associated;
(2) cashier of trade company uses trade company's mobile phone to take the bar code of consumer's free choice of goods, the automatic recognition value bar code information of trade company's mobile phone, and generate sequence information, comprise order number, trade name, quantity, unit price and transaction total charge;
(3) trade company's mobile phone is encrypted and encodes trade company's collecting account and sequence information, generate transaction Quick Response Code, and on trade company's mobile phone screen, showing this transaction Quick Response Code, trade company's bank gathering account and sequence information are sent to mobile Internet payment platform by trade company's mobile phone simultaneously;
(4) consumer uses mobile phone to take the transaction Quick Response Code showing on trade company's mobile phone screen, and the transaction Quick Response Code of taking is decoded and deciphering obtains Transaction Information, Transaction Information comprises trade company's bank gathering account and sequence information, and the sequence information in Transaction Information is presented on consumer's mobile phone screen;
(5) consumer is according to the sequence information showing on consumer's mobile phone screen, trade name, quantity, unit price and transaction total charge are checked after confirmation, to consumer's mobile phone input consumer banker's payment account's payment cipher, consumer's mobile phone will generate transaction message after the payment cipher group bag of trade company's bank gathering account, sequence information and consumer's banker's payment account in Transaction Information, after encrypting, send to mobile Internet payment platform, request pays;
(6) mobile Internet payment platform is deciphered and unpacks transaction message, obtain trade company's bank gathering account, sequence information and consumer's banker's payment account's payment cipher, and after the sequence information that trade company in sequence information and step (3) is sent compares and confirms, payment in trade company's bank gathering account, sequence information, consumer's banker's payment account's payment cipher group together with chartered consumer's banker's payment account is bundled into payment message, this payment message is sent to bank transaction system;
(7) sequence information that mobile Internet payment platform is confirmed step (6) stores respectively consumer and trade company under the registration account of mobile Internet payment platform, consumer and trade company can utilize mobile phone or computing machine, check historical consume record by mobile Internet at any time and sell detailedly, and use the data management functions such as statistical query that internet payment platform provides;
(8) bank transaction system unpacks the payment message receiving, obtain trade company's bank gathering account, payment in sequence information, consumer's banker's payment account's payment cipher and chartered consumer's banker's payment account, the payment cipher of examination & verification consumer banker's payment account, examination & verification consumer banker's payment account balance, if it is qualified to audit, according to the payment in sequence information, payment for goods is transferred to trade company's bank gathering account from consumer's banker's payment account, complete after payment, bank transaction system sends and has paid instruction to mobile Internet payment platform, if audit defective, the information of payment cipher mistake or consumer's banker's payment account balance deficiency is returned to mobile Internet payment platform,
(9) mobile Internet payment platform receives that the payment of bank transaction system completes after instruction, respectively to consumer's mobile phone with trade company's mobile phone sends this trading order form information and payment completes instruction, confirms to have paid.Sequence information comprises trade name, quantity, unit price, transaction total charge etc.
While using inventive method, as long as the mobile POS machine client software that assemble and interlinking interconnection net payment platform provides on trade company's mobile phone, and be connected by wireless communication networks between internet payment platform, be used for distinguishing bar code information, and sequence information (order number, trade name, quantity, unit price, transaction total charge etc.) and merchant information are encrypted and are encoded, generate transaction Quick Response Code and show on mobile phone screen, merchant information and sequence information being sent to cloud payment platform simultaneously; The mobile payment client software that internet payment platform provides is installed on consumer's mobile phone, and is connected by wireless communication networks between internet payment platform, for distinguishing the transaction 2 D code information of trade company's smart mobile phone screen display; Confirm an order after information, mobile payment client software will generate transaction message after merchant information, sequence information and payment cipher group bag, after encrypting, sends to cloud payment platform, and request pays.
Internet payment platform in the inventive method, and can realize and being connected by VPN or special line between bank transaction system, be used to consumer and trade company that transaction platform is provided, between consumer, trade company and bank, set up payment flow and complete payment, simultaneously for consumer and trade company provide trading account management service.For registration, the management and open-minded of consumer and trade company's mobile payment service; Receive the transaction message that consumer's smart mobile phone sends, transaction message is decrypted, is unpacked and verification; After being bundled into payment message, payment information (payment, payment account, payment cipher, collecting account) group is forwarded to bank transaction system; The marketing information of consumer's consumer behavior information and trade company is recorded to respectively to consumer and trade company under the account of cloud payment platform registration; The payment that bank transaction system is sent completes instruction and is transmitted to consumer's smart mobile phone and trade company's smart mobile phone, the sequence information of this transaction (trade name, quantity, unit price, transaction total charge etc.) is issued to consumer's smart mobile phone and trade company's smart mobile phone simultaneously;
Bank transaction system in the inventive method, for receiving and pay message processing from internet payment platform, completes payment for goods transferring from consumer's bank account to trade company's bank account, and payment is completed to instruction sends to internet payment platform.
Claims (1)
1. for a method of mobile payment for in-store shopping, it is characterized in that, the method comprises the following steps:
(1) consumer and trade company, respectively in the registration of mobile Internet payment platform, make consumer's cell-phone number and consumer's banker's payment account associated, make the cell-phone number of trade company and the bank gathering account of trade company associated;
(2) cashier of trade company uses trade company's mobile phone to take the bar code of consumer's free choice of goods, the automatic recognition value bar code information of trade company's mobile phone, and generate sequence information, comprise order number, trade name, quantity, unit price and transaction total charge;
(3) trade company's mobile phone is encrypted and encodes trade company's collecting account and sequence information, generate transaction Quick Response Code, and on trade company's mobile phone screen, showing this transaction Quick Response Code, trade company's bank gathering account and sequence information are sent to mobile Internet payment platform by trade company's mobile phone simultaneously;
(4) consumer uses mobile phone to take the transaction Quick Response Code showing on trade company's mobile phone screen, and the transaction Quick Response Code of taking is decoded and deciphering obtains Transaction Information, Transaction Information comprises trade company's bank gathering account and sequence information, and the sequence information in Transaction Information is presented on consumer's mobile phone screen;
(5) consumer is according to the sequence information showing on consumer's mobile phone screen, trade name, quantity, unit price and transaction total charge are checked after confirmation, to consumer's mobile phone input consumer banker's payment account's payment cipher, consumer's mobile phone will generate transaction message after the payment cipher group bag of trade company's bank gathering account, sequence information and consumer's banker's payment account in Transaction Information, after encrypting, send to mobile Internet payment platform, request pays;
(6) mobile Internet payment platform is deciphered and unpacks transaction message, obtain trade company's bank gathering account, sequence information and consumer's banker's payment account's payment cipher, and after the sequence information that trade company in sequence information and step (3) is sent compares and confirms, payment in trade company's bank gathering account, sequence information, consumer's banker's payment account's payment cipher group together with chartered consumer's banker's payment account is bundled into payment message, this payment message is sent to bank transaction system;
(7) sequence information that mobile Internet payment platform is confirmed step (6) stores respectively consumer and trade company under the registration account of mobile Internet payment platform;
(8) bank transaction system unpacks the payment message receiving, obtain trade company's bank gathering account, payment in sequence information, consumer's banker's payment account's payment cipher and chartered consumer's banker's payment account, the payment cipher of examination & verification consumer banker's payment account, examination & verification consumer banker's payment account balance, if it is qualified to audit, according to the payment in sequence information, payment for goods is transferred to trade company's bank gathering account from consumer's banker's payment account, complete after payment, bank transaction system sends and has paid instruction to mobile Internet payment platform, if audit defective, the information of payment cipher mistake or consumer's banker's payment account balance deficiency is returned to mobile Internet payment platform,
(9) mobile Internet payment platform receives that the payment of bank transaction system completes after instruction, respectively to consumer's mobile phone with trade company's mobile phone sends this trading order form information and payment completes instruction, confirms to have paid.
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