CN103955828A - System and method for point-to-point payment - Google Patents
System and method for point-to-point payment Download PDFInfo
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- CN103955828A CN103955828A CN201410201596.1A CN201410201596A CN103955828A CN 103955828 A CN103955828 A CN 103955828A CN 201410201596 A CN201410201596 A CN 201410201596A CN 103955828 A CN103955828 A CN 103955828A
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- nfc terminal
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
Abstract
The invention provides a system and method for point-to-point payment and relates to the field of electronic payment. The system comprises a first financing institution payment server, a paying side NFC terminal and a receiving side NFC terminal, wherein the paying side NFC terminal and the receiving side NFC terminal are respectively connected with the first financing institution payment server through a wireless network. First account information of a paying side and first account information of a receiving side are recorded in the first financing institution payment server. Account information authentication is conducted between the paying side NFC terminal and the receiving side NFC terminal in an NFC point-to-point mode. After authentication is passed, transaction data synchronization is conducted between the receiving side NFC terminal and the first financing institution payment server, the first financing institution payment server verifies transaction data and completes synchronization of the first account information of the paying side and the first account information of the receiving side. By the adoption of the system and method for point-to-point payment, two consumers can conduct paying and receiving operation safely and conveniently through the terminals with the NFC function.
Description
[technical field]
The present invention relates to E-Payment field, especially a kind of point-to-point payment system and method.
[background technology]
Currently exist many means of payment to can be used for carrying out small amount financial transaction as credit card, debit card and cash etc.In ordinary consumer daily life, usually can run at needs Pay Bill, consumption clearing or while the penny ante such as paying off a loan, lack the cash of accurate number on hand, and consumer does not have better means of payment paying except swiping the card.
[summary of the invention]
The invention provides a kind of point-to-point payment system and method, for consumer provides better means of payment.
A kind of point-to-point payment system of the present invention, comprising: first financial institution's paying server, and the paying party NFC terminal being connected by wireless network with first financial institution's paying server respectively and beneficiary NFC terminal; In first financial institution's paying server, record paying party the first accounts information corresponding to paying party NFC terminal, record beneficiary the first accounts information corresponding to beneficiary NFC terminal; Between paying party NFC terminal and beneficiary NFC terminal, by NFC ad hoc mode, carry out mutually accounts information authentication, and after mutual authentication passes through, beneficiary NFC terminal is carried out transaction data with first financial institution's paying server and is synchronizeed, by first financial institution's paying server, the validity of described transaction data is verified, and completed the synchronous of paying party the first accounts information and beneficiary the first accounts information.
Wherein, also comprise: at the front-end server between first financial institution's paying server and paying party NFC terminal and between first financial institution's paying server and beneficiary NFC terminal; Described front-end server, for the treatment of the application data of paying party NFC terminal or beneficiary NFC terminal, and routes to first financial institution's paying server by described transaction data.
Wherein, also comprise: the second financial institution server being connected with first financial institution's paying server respectively and the 3rd financial institution server; The second described financial institution server records paying party the second accounts information corresponding to paying party NFC terminal, for the fund in the fund of described paying party the second account and paying party the first account is transferred accounts mutually; The 3rd described financial institution server records beneficiary the second accounts information corresponding to beneficiary NFC terminal, for the fund in the fund of described beneficiary the second account and beneficiary the first account is transferred accounts mutually.
Wherein, described paying party NFC terminal is the mobile phone that possesses NFC function, or the external NFC functional device of smart mobile phone; Described beneficiary NFC terminal is the mobile phone that possesses NFC function, or the external NFC functional device of smart mobile phone.
A kind of point-to-point method of payment of the present invention, comprises the following steps: by NFC ad hoc mode, to carry out mutually accounts information authentication between S1, paying party NFC terminal and beneficiary NFC terminal; S2, after mutual authentication passes through, beneficiary NFC terminal is carried out transaction data with first financial institution's paying server and is synchronizeed; S3, by first financial institution's paying server, the validity of described transaction data is verified; S4, after described validity is verified, complete the synchronous of paying party the first accounts information and beneficiary the first accounts information.
Wherein, before step S1, also comprise: S0, paying party NFC terminal and beneficiary NFC terminal are carried out system registry.
Wherein, in step S1, also comprise: after mutual authentication passes through, the authentication information of beneficiary account is stored in the safe unit of paying party NFC terminal after encrypting; The authentication information of paying party account is stored in the safe unit of beneficiary NFC terminal after encrypting.
Wherein, in step S1, also comprise: after mutual authentication passes through, described transaction data is kept in the safe unit of paying party NFC terminal and in the safe unit of beneficiary NFC terminal after encrypting.
Wherein, also comprise after step S4: after S5, described synchronous success, beneficiary NFC terminal is obtained the balance amount information of transaction results and beneficiary the first account, and presents to beneficiary user; And paying party NFC terminal is obtained the balance amount information of transaction results and paying party the first account, and present to paying party user.
Wherein, paying party has also been registered paying party the second account, and described paying party the first account is associated with paying party the second account, and the fund in the fund in described paying party the second account and paying party the first account is transferred accounts mutually; Beneficiary has also been registered beneficiary the second account, and described beneficiary the first account is associated with beneficiary the second account, and the fund in the fund in described beneficiary the second account and beneficiary the first account is transferred accounts mutually.
Adopt point-to-point payment system of the present invention and method, between two consumers, can pay the bill easily and collect money operation by thering is the terminal security of NFC function.
[accompanying drawing explanation]
Fig. 1 is the system architecture schematic diagram of the embodiment of the present invention 1;
Fig. 2 is the system architecture schematic diagram of the embodiment of the present invention 2;
Fig. 3 is the method flow diagram of the embodiment of the present invention 3.
[embodiment]
Inventor finds after deliberation, NFC (Near Field Communication, near-field communication) is a kind of emerging technology of this develop rapidly in several years, and it makes two electronic equipments directly can carry out the communication of short distance, be operated in 13.56MHz frequency range, best reading/writing distance is 0-5 centimetre.Inventor considers, if NFC technology can be combined with E-Payment, will be good means of payment.Describe in detail by the following examples.
The point-to-point payment system of embodiment 1, the present embodiment, is generally used for carrying out small amount payment, in the scene that there is no ATM or POS machine, paying party can to beneficiary safe and efficient complete payment.Shown in Figure 1, comprising: first financial institution's paying server 11, and the paying party NFC terminal 12 being connected by wireless network with first financial institution's paying server 11 respectively and beneficiary NFC terminal 13.
First financial institution's paying server 11 normally has the third party who pays licence plate and pays company, wherein records paying party first accounts information of paying party NFC terminal 12 correspondences, records beneficiary first accounts information of beneficiary NFC terminal 13 correspondences.
Paying party NFC terminal 12 and beneficiary NFC terminal 13 are the mobile phones that possess NFC function, or do not possess the external NFC functional device of smart mobile phone of NFC function, as: with the smart mobile phone of NFC shell.
Between paying party NFC terminal 12 and beneficiary NFC terminal 13, by NFC ad hoc mode, carry out mutually accounts information authentication, and after mutual authentication passes through, beneficiary NFC terminal 13 is carried out transaction data with first financial institution's paying server 11 and is synchronizeed, validity by 11 pairs of described transaction data of first financial institution's paying server is verified, and is completed the synchronous of paying party the first accounts information and beneficiary the first accounts information.
The point-to-point payment system of embodiment 2, the present embodiment, as the preferred version of above-described embodiment 1, is generally used for carrying out small amount payment, in the scene that there is no ATM or POS machine, paying party can to beneficiary safe and efficient complete payment.Shown in Figure 2, comprise: first financial institution's paying server 21, the second financial institution server 22, the 3rd financial institution server 23 and the front-end server 24 that are connected with first financial institution's paying server 21 respectively, and the paying party NFC terminal 25 being connected with front-end server 24 respectively and beneficiary NFC terminal 26.
First financial institution's paying server 21 normally has the third party who pays licence plate and pays company, wherein records paying party first accounts information of paying party NFC terminal 25 correspondences, records beneficiary first accounts information of beneficiary NFC terminal 26 correspondences.Above-mentioned paying party the first account is the small amount account that paying party is set up in the first financial institution, and wherein fund can not surpass the numerical ceiling of small amount payment; Above-mentioned beneficiary the first account is the small amount account that beneficiary is set up in the first financial institution, and wherein fund can not surpass the numerical ceiling of small amount payment.
The second financial institution server 22 and the 3rd financial institution server 23 normally have the server of the bank of cooperative relationship with the first financial institution.The second financial institution server 22 records paying party second accounts information of paying party NFC terminal 25 correspondences, between above-mentioned paying party the second account and paying party the first account, there is one-to-one relationship, be binding relationship, the fund in the fund in paying party the second account and paying party the first account can be transferred accounts mutually.The 3rd financial institution server 23 records beneficiary second accounts information of beneficiary NFC terminal 26 correspondences, between above-mentioned beneficiary the second account and beneficiary the first account, there is one-to-one relationship, be binding relationship, the fund in the fund in beneficiary the second account and beneficiary the first account can be transferred accounts mutually.
Front-end server 24 can, by the operation maintenance of the system side of realization, for the treatment of the application data of paying party NFC terminal 25 or beneficiary NFC terminal 26, and route to first financial institution's paying server 21 by transaction data.
Paying party NFC terminal 25 and beneficiary NFC terminal 26 are the mobile phones that possess NFC function, or do not possess the external NFC functional device of smart mobile phone of NFC function, as: with the smart mobile phone of NFC shell.
Between paying party NFC terminal 25 and beneficiary NFC terminal 26, by NFC ad hoc mode, carry out mutually accounts information authentication, and after mutual authentication passes through, beneficiary NFC terminal 26 is carried out transaction data with first financial institution's paying server 21 and is synchronizeed, validity by 21 pairs of described transaction data of first financial institution's paying server is verified, and is completed the synchronous of paying party the first accounts information and beneficiary the first accounts information.
In specific implementation, when paying party and beneficiary adopt the scheme of the present embodiment to carry out point-to-point small amount payment, need both sides' mobile phone all to support NFC function, if the smart mobile phone of any one party is not supported NFC function, can obtain NFC and support by be set with a NFC shell on mobile phone.Carry out small amount payment, paying party and beneficiary touch NFC mobile phone or smart mobile phone that NFC shell is housed mutually, and both sides' mobile phone carries out exchanges data by NFC ad hoc mode.The content of exchanges data includes but not limited to authenticate mutually the other side's accounts information (accounts information is stored in safe unit after encrypting), transaction data etc.Beneficiary mobile phone, after being verified the data of paying party mobile phone transmission, will connecting first financial institution's paying server by mobile network (GPRS/3G/4G/WiFi) and complete transaction.After transaction completes, the remaining sum of paying party first account of preserving in first financial institution's paying server and the remaining sum of beneficiary the first account can change, the amount of money that paying party pays from it paying party the first account first financial institution's paying server directly deduct, full payment comprises that beneficiary should receive the amount of money and add transactional services expense.The amount of money that beneficiary receives is kept at its beneficiary that is arranged in first financial institution's paying server the first account.When paying party or beneficiary are when the account balance of first financial institution's paying server is not enough, can be by mobile network by the capital transfer that is arranged in the second financial institution server, the 3rd financial institution server account to its account that is positioned at first financial institution's paying server, complete and supplement with money.
The point-to-point method of payment of embodiment 3, the present embodiment, adopts the system of above-described embodiment 1 or 2 to realize, shown in Figure 3, comprises following key step:
S30, this step are preferred preposition steps, inessential step.Paying party NFC terminal and beneficiary NFC terminal are carried out system registry.
Between S31, paying party NFC terminal and beneficiary NFC terminal, by NFC ad hoc mode, carry out mutually accounts information authentication.After mutual authentication passes through, transaction data is kept in the safe unit of paying party NFC terminal and in the safe unit of beneficiary NFC terminal after encrypting, the authentication information of beneficiary account is stored in the safe unit of paying party NFC terminal after encrypting, and the authentication information of paying party account is stored in the safe unit of beneficiary NFC terminal after encrypting.
S32, after mutual authentication passes through, beneficiary NFC terminal is carried out transaction data with first financial institution's paying server and is synchronizeed.
S33, by first financial institution's paying server, the validity of transaction data is verified.
S34, after described validity is verified, complete the synchronous of paying party the first accounts information and beneficiary the first accounts information.
S35, this step are preferred steps, inessential step.After synchronous success, beneficiary NFC terminal is obtained the balance amount information of transaction results and beneficiary the first account, and presents to beneficiary user, and paying party NFC terminal is obtained the balance amount information of transaction results and paying party the first account, and presents to paying party user.For the ease of supplementing with money and transferring accounts, paying party has also been registered paying party the second account, and paying party the first account is associated with paying party the second account, can realize the fund in the fund in paying party the second account and paying party the first account is transferred accounts mutually; In like manner, beneficiary has also been registered beneficiary the second account, and beneficiary the first account is associated with beneficiary the second account, can realize the fund in the fund in beneficiary the second account and beneficiary the first account is transferred accounts mutually.
In concrete scene, when using the point-to-point payment application of the present embodiment for the first time, user can use phone number, ID (identity number) card No. and an account of E-mail address registration.User can open " NFC payment " application software on mobile phone, uses account number cipher login.Pay-per-click button, the input amount of money confirmation, application software can point out user " please mobile phone to be completed to payment near beneficiary mobile phone ".Beneficiary is opened " NFC payment " application software on mobile phone, clicks charge button, and software prompt user " please completes payment by mobile phone near paying party mobile phone ".Beneficiary and paying party by mobile phone is back-to-back stick together after, both sides' software is all pointed out " please with finger, clicking mobile phone screen to confirm to carry out delivery operation ".Either party clicks after screen, and both sides will carry out mutually accounts information authentication, and the authentication information of account is kept in the safe unit of mobile phone separately.After the authentication of both sides' accounts information is passed through, in the situation that not relying on network, transaction data can be kept in safe unit separately after encrypting temporarily.The mobile phone of beneficiary will carry out transaction data with first financial institution's paying server by network and synchronize afterwards, by first financial institution's paying server, the validity of transaction data be verified and will be processed.After the synchronous success of data, beneficiary mobile phone can obtain by mobile network the balance amount information of transaction results and beneficiary the first account, and paying party mobile phone also can obtain by mobile network the balance amount information of transaction results and paying party the first account.
Here description of the invention and application is all illustrative and schematic, is not to want by scope restriction of the present invention in the above-described embodiments.Here the distortion of disclosed embodiment and change is completely possible, and for those those of ordinary skill in the art, the various parts of the replacement of embodiment and equivalence are all known.Those skilled in the art are also noted that, in the situation that not departing from spirit of the present invention or essential characteristic, the present invention can be with other form, structure, layout, ratio, and realize with other assembly, material and parts, and in the situation that not departing from the scope of the invention and spirit, can carry out other distortion and change to disclosed embodiment here.
Claims (10)
1. a point-to-point payment system, is characterized in that, comprising: first financial institution's paying server, and the paying party NFC terminal being connected by wireless network with first financial institution's paying server respectively and beneficiary NFC terminal;
In first financial institution's paying server, record paying party the first accounts information corresponding to paying party NFC terminal, record beneficiary the first accounts information corresponding to beneficiary NFC terminal;
Between paying party NFC terminal and beneficiary NFC terminal, by NFC ad hoc mode, carry out mutually accounts information authentication, and after mutual authentication passes through, beneficiary NFC terminal is carried out transaction data with first financial institution's paying server and is synchronizeed, by first financial institution's paying server, the validity of described transaction data is verified, and completed the synchronous of paying party the first accounts information and beneficiary the first accounts information.
2. point-to-point payment system as claimed in claim 1, it is characterized in that, also comprise: at the front-end server between first financial institution's paying server and paying party NFC terminal and between first financial institution's paying server and beneficiary NFC terminal;
Described front-end server, for the treatment of the application data of paying party NFC terminal or beneficiary NFC terminal, and routes to first financial institution's paying server by described transaction data.
3. point-to-point payment system as claimed in claim 1, is characterized in that, also comprises: the second financial institution server being connected with first financial institution's paying server respectively and the 3rd financial institution server;
The second described financial institution server records paying party the second accounts information corresponding to paying party NFC terminal, for the fund in the fund of described paying party the second account and paying party the first account is transferred accounts mutually;
The 3rd described financial institution server records beneficiary the second accounts information corresponding to beneficiary NFC terminal, for the fund in the fund of described beneficiary the second account and beneficiary the first account is transferred accounts mutually.
4. point-to-point payment system as claimed in claim 1, is characterized in that, described paying party NFC terminal is the mobile phone that possesses NFC function, or the external NFC functional device of smart mobile phone;
Described beneficiary NFC terminal is the mobile phone that possesses NFC function, or the external NFC functional device of smart mobile phone.
5. a point-to-point method of payment, is characterized in that, comprises the following steps:
Between S1, paying party NFC terminal and beneficiary NFC terminal, by NFC ad hoc mode, carry out mutually accounts information authentication;
S2, after mutual authentication passes through, beneficiary NFC terminal is carried out transaction data with first financial institution's paying server and is synchronizeed;
S3, by first financial institution's paying server, the validity of described transaction data is verified;
S4, after described validity is verified, complete the synchronous of paying party the first accounts information and beneficiary the first accounts information.
6. point-to-point method of payment as claimed in claim 5, is characterized in that, also comprises: S0, paying party NFC terminal and beneficiary NFC terminal are carried out system registry before step S1.
7. point-to-point method of payment as claimed in claim 5, is characterized in that, in step S1, also comprises:
After mutual authentication passes through, the authentication information of beneficiary account is stored in the safe unit of paying party NFC terminal after encrypting; The authentication information of paying party account is stored in the safe unit of beneficiary NFC terminal after encrypting.
8. point-to-point method of payment as claimed in claim 5, it is characterized in that, in step S1, also comprise: after mutual authentication passes through, described transaction data is kept in the safe unit of paying party NFC terminal and in the safe unit of beneficiary NFC terminal after encrypting.
9. point-to-point method of payment as claimed in claim 5, is characterized in that, after step S4, also comprises:
After S5, described synchronous success, beneficiary NFC terminal is obtained the balance amount information of transaction results and beneficiary the first account, and presents to beneficiary user; And paying party NFC terminal is obtained the balance amount information of transaction results and paying party the first account, and present to paying party user.
10. point-to-point method of payment as claimed in claim 5, it is characterized in that, paying party has also been registered paying party the second account, and described paying party the first account is associated with paying party the second account, and the fund in the fund in described paying party the second account and paying party the first account is transferred accounts mutually;
Beneficiary has also been registered beneficiary the second account, and described beneficiary the first account is associated with beneficiary the second account, and the fund in the fund in described beneficiary the second account and beneficiary the first account is transferred accounts mutually.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410201596.1A CN103955828A (en) | 2014-05-13 | 2014-05-13 | System and method for point-to-point payment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410201596.1A CN103955828A (en) | 2014-05-13 | 2014-05-13 | System and method for point-to-point payment |
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| CN103955828A true CN103955828A (en) | 2014-07-30 |
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| CN201410201596.1A Pending CN103955828A (en) | 2014-05-13 | 2014-05-13 | System and method for point-to-point payment |
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| CN105512880A (en) * | 2015-12-08 | 2016-04-20 | 努比亚技术有限公司 | Wireless payment device and method |
| CN105550859A (en) * | 2015-07-30 | 2016-05-04 | 宇龙计算机通信科技(深圳)有限公司 | Method and apparatus for service data transfer between accounts |
| CN105787729A (en) * | 2016-03-01 | 2016-07-20 | 宁波萨瑞通讯有限公司 | Method and system for realizing point-to-point payment and account transfer through touch screen |
| CN108885670A (en) * | 2016-03-15 | 2018-11-23 | 维萨国际服务协会 | For interactive verifying password |
| CN110264183A (en) * | 2019-06-25 | 2019-09-20 | 秒针信息技术有限公司 | The method and device of the method and device, trade company's gathering paid the bill to trade company |
| CN110827475A (en) * | 2019-10-31 | 2020-02-21 | 中燃慧生活电子商务有限公司 | Intelligent gas instrument system supporting terminal transaction |
| CN113723946A (en) * | 2021-09-15 | 2021-11-30 | 中国银行股份有限公司 | Transfer method, device and system for mobile phone bank |
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| CN113723946A (en) * | 2021-09-15 | 2021-11-30 | 中国银行股份有限公司 | Transfer method, device and system for mobile phone bank |
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