CN103985037A - Mobile payment system and method - Google Patents
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- CN103985037A CN103985037A CN201410127859.9A CN201410127859A CN103985037A CN 103985037 A CN103985037 A CN 103985037A CN 201410127859 A CN201410127859 A CN 201410127859A CN 103985037 A CN103985037 A CN 103985037A
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- G—PHYSICS
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- 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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
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Abstract
The invention relates to a mobile payment system and a method for implementing the system. The system comprises a merchant side, a payment center and a user side. The method is that order information and a successful payment voucher are provided for a merchant at the payment center, then electronic payment is performed by the user side through the payment center by reading the order information, and after the payment is completed by the payment center, the same successful payment voucher is sent to the user side for the user side and the merchant to perform information check. Thus, the complex process and cost of merchant and payment center information confirmation in the traditional mode can be reduced.
Description
Technical field
The present invention relates to mobile payment field, be specifically related to a kind of by there being the mobile device of communication function to read the system and method that sequence information pays.
Background technology
Mobile payment is just becoming a more and more popular industry, and the concrete modes of payments also emerges in an endless stream.Paid and occurred on each large-scale shopping website by mobile telephone scanning Quick Response Code, when you are in the time paying, that do just scans a Quick Response Code with the mobile phone with camera or panel computer.Quick Response Code scanning refers to by smart mobile phone client application software obtains content and the information in two-dimension code image.
In the Chinese patent that is 200810065143.5 at application number, a kind of method that realizes mobile-phone payment based on Quick Response Code has been proposed, by defining the mode of the different service content of the OK correspondence of different business, complicated application type unified management is got up, the relative subject mobile-phone payment: the each side such as user, trade company, bank, common carrier organically combine; In use, user only need to and upload business number with mobile phone typing, the corresponding information that system produces by interpretation phone number and business number, information is encoded into Quick Response Code again and sends on user mobile phone through encryption, user holds mobile phone and uses to recognition decoding device corresponding to this business number, thereby complete corresponding application, reach the purpose of design of mobile-phone payment.
For another example in the Chinese patent that application number is 201210377040.9, proposed a kind of hand call payment system of consumption on network, related to a kind of electronic fare payment system, the comparatively complicated problem of payment flow providing in order to solve current electronic fare payment system.System comprises: consumption on network server, cell-phone customer terminal and payment subsystem; Wherein, consumption on network server comprises: database, present module, shopping cart module and two-dimensional code generation module; Cell-phone customer terminal comprises: Quick Response Code acquisition module, decoder module and sending module; Payment subsystem comprises: receiver module and payment module.
The existing payment affirmation of realizing mobile-phone payment by Quick Response Code is all to be provided and pay successful voucher to businessman after user has paid by paying centre, and whole process does not relate to user, a large amount of manpower and materials that caused certain waste.
Summary of the invention
For addressing the above problem, first the present invention discloses a kind of mobile-payment system, comprise: businessman's end, paying centre and user side, described paying centre has information sending module, is configured to have to send order and order pays successful voucher and provide described order to pay the function of successful voucher to user side to businessman end simultaneously; Payment module, is configured to have the function of obtaining payment information and paying from user side, and described user side sends to businessman to hold in order to confirm that bill successfully pays by described order being paid to successful voucher.
The invention still further relates to a kind of mobile-payment system, comprise user side, described user side obtains order from described paying centre and pays successful voucher after goods orders being paid by paying centre.
Preferably, described user side is the mobile device that has communication function.
In above-mentioned arbitrary scheme preferably, described in to have the mobile device of communication function be mobile phone personal terminal.
In above-mentioned arbitrary scheme, preferably, described user side comprises order read module and payment information sending module.
In above-mentioned arbitrary scheme, preferably, described user side order read module reads sequence information from described businessman.
In above-mentioned arbitrary scheme preferably, described in read order adopt method comprise at least one in Quick Response Code scanning, bluetooth, audio frequency and nfc technology.
In above-mentioned arbitrary scheme, preferably, send order payment by described user side payment information sending module to described paying centre and ask and obtain order from described paying centre to pay successful voucher.
In above-mentioned arbitrary scheme, preferably, described order pays the order of successful voucher and described paying centre issuing businessman's end with regard to same order, and to pay successful voucher consistent, carries out payment information check for businessman's end with user side.
The invention still further relates to a kind of mobile-payment system, comprise businessman's end, pay successful voucher for obtain sequence information and order from paying centre.
Preferably, described businessman end comprises merchandising database, shopping module and for showing the order display module of order.
In above-mentioned arbitrary scheme, preferably, described order is Quick Response Code form.
In above-mentioned arbitrary scheme, preferably, the order display module configuration of described businessman end becomes to have the function of obtaining order from described paying centre and offering user side.
In above-mentioned arbitrary scheme, preferably, described order pays the order of successful voucher and described paying centre issuing user side with regard to same order, and to pay successful voucher consistent
The invention still further relates to a kind of mobile-payment system, comprise paying centre, there is information sending module, be configured to have and can send order and order pays successful voucher and provide described order to pay the function of successful voucher to user side to businessman end simultaneously, payment module, is configured to have the function of obtaining payment information and paying from user side.
Preferably, the information sending module of described paying centre sends information by wireless network mode.
In above-mentioned arbitrary scheme, preferably, it is string number that described order pays successful voucher.
Second aspect of the present invention discloses a kind of method of mobile payment, and the system of implementing the method comprises businessman's end, paying centre and user side, comprises the following steps:
S1: order request is sent to paying centre by businessman's end;
S2: paying centre generates sequence information and this information and commodity are paid to successful voucher and sends to businessman to hold simultaneously;
S3: user side reads sequence information from businessman;
S4: user side sends to payment request paying centre and completes bill payment;
S5: the payment success voucher in paying centre forwarding step 2 is to user side;
S6: user side and businessman's end carry out evidence for payment and compare.
The invention still further relates to a kind of method of mobile payment, comprise user side, described user side has following steps:
A1, user side read order from businessman's end;
A2, user side initiate to pay request to paying centre;
A3, user side obtain order and pay successful voucher from paying centre.
A4, carry out evidence for payment and compare with businessman.
Preferably, the method that described user side reads order comprises that Quick Response Code scanning, bluetooth read, audio frequency read with nfc technology at least one.
In above-mentioned arbitrary scheme, preferably, in described steps A 3, completed after bill payment by paying centre, user just can obtain order and pay successful voucher.
In above-mentioned arbitrary scheme preferably, the order that user side obtains pays successful voucher and described paying centre, and to send to the order of businessman to pay successful voucher with regard to same order consistent, user side is issued businessman after described order is paid to successful voucher, for payment affirmation.
The invention still further relates to a kind of method of mobile payment, the system of implementing the method comprises businessman's end, comprises the following steps:
B1, initiate Order creation request to paying centre;
B2, in the time that paying centre obtains order, obtain order and pay successful voucher;
B3, order is sent to user.
B4, carry out evidence for payment and compare with user side.
Preferably, described step B1 comprises that businessman holds the commodity chosen according to user to calculate merchandise charge, afterwards commodity and merchandise charge is together sent to described paying centre.
The invention still further relates to a kind of method of mobile payment, the system of implementing the method comprises paying centre, and described paying centre sends sequence information by information sending module and pays by mails by payment module, specifically comprises the following steps:
C1: paying centre provides order and order to pay successful voucher to businessman's end;
C2: paying centre receives the payment request of sending from user side;
C3: paying centre completes bill payment;
C4: paying centre pays successful voucher by the order that sends to businessman's end in step C1 and again sends to user side, supplies user side and businessman's end to carry out payment information and checks.
Preferably, the information of described paying centre sends and sends by wireless network mode.
Brief description of the drawings
Fig. 1 is according to the process flow diagram of a preferred embodiment of a kind of safe mobile phone payment method of the present invention.
Embodiment
Below in conjunction with accompanying drawing with preferred embodiment the present invention is described in further detail.
Embodiment 1,
First the present invention discloses a kind of mobile-payment system, comprise: businessman's end, paying centre and user side, described paying centre has information sending module, is configured to have to send order and order pays successful voucher and provide described order to pay the function of successful voucher to user side to businessman end simultaneously; Payment module, is configured to have the function of obtaining payment information and paying from user side, and described user side sends to businessman to hold in order to confirm that bill successfully pays by described order being paid to successful voucher.
In the present embodiment, user side is the mobile device that has communication function, is mobile phone personal terminal more specifically, and described order is Quick Response Code,
In the present embodiment, described businessman end comprises merchandising database, shopping module and for showing the order display module of order, the order display module configuration of businessman's end becomes to have the function of obtaining order from described paying centre and offering user side.
User side comprises order read module and payment information sending module, order read module is for to read sequence information from described businessman, comprise Quick Response Code scanning, bluetooth, audio frequency and nfc technology, payment information sending module pays successful voucher for sending order payment request to described paying centre and obtaining order from described paying centre.
Second aspect of the present invention discloses a kind of method of mobile payment, comprises user side, and described user side has following steps:
A1, user side read order from businessman's end;
A2, user side initiate to pay request to paying centre;
A3, user side obtain order and pay successful voucher from paying centre.
A4, carry out evidence for payment and compare with businessman.
The method that described user side reads order comprises that Quick Response Code scanning, bluetooth read, audio frequency read with nfc technology at least one.
In described steps A 2, user side initiates to paying centre to pay request, is completed after bill payment by paying centre, and user just can obtain order and pay successful voucher.
The order that user side obtains pays successful voucher and described paying centre, and to send to the order of businessman to pay successful voucher with regard to same order consistent, and user side is issued businessman after described order is paid to successful voucher, for payment affirmation.
Meanwhile, a kind of method of mobile payment, the system of implementing the method comprises businessman's end, comprises the following steps:
B1, initiate Order creation request to paying centre;
B2, in the time that paying centre obtains order, obtain order and pay successful voucher;
B3, order is sent to user.
B4, carry out evidence for payment and compare with user side.
In described step B1, it is that businessman holds the commodity of choosing according to user to calculate merchandise charge that Order creation request is sent to paying centre, afterwards commodity and merchandise charge is together sent to described paying centre.
Meanwhile, a kind of method of mobile payment, the system of implementing the method comprises paying centre, described paying centre sends sequence information by information sending module and pays by mails by payment module, specifically comprises the following steps:
C1: paying centre provides order to provide order to pay successful voucher to businessman's end simultaneously;
C2: paying centre receives the payment request of sending from user side;
C3: paying centre completes bill payment;
C4: paying centre pays successful voucher by the order that sends to businessman's end in step C1 and again sends to user side, supplies user side and businessman's end to carry out payment information and checks.The information of described paying centre sends and sends by wireless network mode.
In the present embodiment, first described businessman end obtains order request from user side, and described order request is sent to paying centre, obtain afterwards order and order pays successful voucher and sequence information is offered to user side from described paying centre, it is that businessman holds the commodity of choosing according to user to calculate merchandise charge that order request is sent to paying centre, afterwards commodity and merchandise charge is together sent to described paying centre.
User side reads order from businessman's end, comprise Quick Response Code scanning, the method that bluetooth reads, audio frequency reads and reads by nfc technology, user side sends the request of payment after reading sequence information to paying centre, and the order obtaining paying successfully from described paying centre pays successful voucher, finally, user side pays successful voucher by the order obtaining and sends to businessman end to carry out payment information to check, complete payment.
In this enforcement, nfc technology is near-field communication technology, to be developed by non-contact radio-frequency identification (RFID) and the Technology Integration that interconnects, combining induction card reader, induction type card and point-to-point function on one chip can be identified and exchanges data with compatible equipment in short distance.Frequency of operation is 13.56MHz.But use the user of this mobile-phone payment scheme must change special mobile phone.
Embodiment 2:
A kind of mobile-payment system, comprise businessman's end, paying centre and user side, described paying centre provides order Quick Response Code to described businessman end, described user side is by scanning described order Quick Response Code and contacting and pay by mails with described paying centre, and obtain order and pay successful voucher, described user side sends to businessman to hold in order to confirm that bill successfully pays by described order being paid to successful voucher.
In the present embodiment, described paying centre Hai Xiang businessman provides commodity to pay successful voucher and this information is offered to user side when described user side completes E-Payment, check for user side and businessman's information of carrying out, described user side mobile device is bound by the 2 D code information and the safety certificate equipment that obtain described paying centre and provide.
Businessman's end comprises the database for store commodity information, is similar to shopping website, storing commodity in database, and be placed in the page with succinct introduction, selected by user, user is by user side, i.e. mobile device, such as mobile phone carries out commodity selection, add shopping cart, this module, for shopping module, is set a Quick Response Code viewing area for two-dimensional code display simultaneously, this module is Quick Response Code display module, and its Quick Response Code is provided by paying centre.
In the present embodiment, paying centre provides Quick Response Code according to user's order, businessman obtains after user's order, by communication modes such as data lines, sequence information is sent to paying centre, paying centre produces immediately a Quick Response Code and generates a confirmation matching, such as string number asdf1234, businessman is presented at Quick Response Code viewing area after obtaining Quick Response Code immediately, and confirmation is kept to background server.
Process as above, paying centre comprises the receiver module for receiving businessman's sequence information, for generating the two-dimensional code generation module of Quick Response Code, confirmation sending module, simultaneously paying centre also comprises a payment module, for paying in user side request and cross-check information is carried out reimbursement of expense after errorless.
In the present embodiment, user side is mobile device, and as smart mobile phone, this mobile phone is provided with Quick Response Code read module, decoder module and payment information sending module.Simultaneously, with camera head, differentiate Quick Response Code as minimum requirements to know, user submits to after order, businessman at once obtains Quick Response Code and is presented at the page from paying centre, user takes this Quick Response Code by mobile phone two-dimension code read module, reads payment information by decoder module simultaneously, and be linked to the payment page, select Bank Account Number or login by other modes of payments.
In the present embodiment, paying centre, determining after user identity, completes payment, then send confirmation to client, this confirmation is issued the same of businessman with paying centre, is all asdf1234, this information is sent to businessman by user, after businessman's confirmation, completes transaction.In this process, user sends information by wireless mode, avoided traditional paying centre complete client pay after again by wire medium send confirmation to businessman method.Greatly provide cost savings, more effectively reduce error rate and cost.
A kind of method of mobile payment, the system of implementing the method comprises businessman's end, paying centre and user side, as shown in Figure 1, specifically comprises the following steps:
S1: order request is sent to paying centre by businessman's end;
S2: paying centre generates sequence information and this information and commodity are paid to successful voucher and sends to businessman to hold simultaneously;
S3: user side reads sequence information from businessman;
S4: user side sends to payment request paying centre and completes bill payment;
S5: the payment success voucher in paying centre forwarding step 2 is to user side;
S6: user side and businessman's end carry out evidence for payment and compare.
In step S1, user completes shopping information: user logins businessman's end by cell phone network, by search function search commercial articles in database, and by shopping module, selected commodity is added to shopping cart, such as user chooses a cup, 50 yuan of prices, goods number x00102, dress, 100 yuan of prices, goods number x00202, puts into these different article after shopping cart, has clicked order or has directly transferred to businessman.
Afterwards, businessman's end sends to paying centre by this order by sending module, make Quick Response Code by paying centre, and send the successful voucher of confirmation payment to businessman, if confirmation is asdf1234, businessman deposits this confirmation and merchandise news in database, meanwhile, Quick Response Code is presented to user mobile phone interface, user mobile phone reads this Quick Response Code by Quick Response Code read module, and decode by decoder module, obtain payment information. thereupon
What first user's payment information showed is shopping information, i.e. cup, 50 yuan of prices, numbering x00102; Clothes, 100 yuan of prices, numbering x00202; Amount to 150 yuan.After confirming, proceed to the payment page, by user's option dealing mode, as pass through industrial and commercial bank.User inputs account, password and authentication password to paying centre, and reimbursement of expense is carried out by payment module in paying centre, and sends a confirmation to user.Be the confirmation in step S2 and step S5, both are identical, are all asdf1234.
User is by providing this confirmation: asdf1234, businessman can confirm that this user pays the bill, and completes transaction to businessman.
Embodiment 3:
Similar to embodiment 2, difference is, user obtains sequence information by nfc technology, its basis of nfc technology is RFID and interconnection technique, belong to near-field communication, it is a kind of radiotelegraphy of short distance high frequency, user side is equipped with the equipment with nfc technology can read sequence information, under Passive Mode, the equipment that starts NFC communication also referred to as NFC initiating equipment (main equipment), provides radio-frequency field (RF-field) in whole communication process, select a kind of transmission speed, data are sent to goods orders place.The sequence information of these commodity is called NFC target device (from equipment), needn't produce radio-frequency field, and speed that can be identical is by data back user side.
Embodiment 4:
Similar to embodiment 2, difference is, user is during by mobile phone payment, can carry out information communication by note form and businessman and paying centre.User obtains in embodiment 1 after Quick Response Code by the Quick Response Code acquisition module of cell-phone customer terminal, concrete, Quick Response Code acquisition module obtains described Quick Response Code by shooting or multimedia message mode, obtain after described Quick Response Code, the Quick Response Code obtaining is decoded as merchandise news to be paid and payment link by decoder module, be cup, 50 yuan of prices, numbering x00102; Clothes, 100 yuan of prices, numbering x00202; Amount to 150 yuan.And be linked to the link of the e-Bank payment page and pay note, it should be noted that, in the time not passing through the mode of payment link e-Bank payment, can select to pay note, this page and e-Bank payment are similar, account password information will send to paying centre with note form, then complete transferred account service by paying centre, and return to confirmation code a: asdf1234 by note.
It should be noted that; comprise any one and the combination in any thereof in above-described embodiment according to mobile-payment system of the present invention and method; but embodiment recited above is described the preferred embodiment of the present invention; not the scope of the invention is limited; design under spiritual prerequisite not departing from the present invention; various distortion and improvement that the common engineering technical personnel in this area make technical scheme of the present invention, all should fall in the definite protection domain of claims of the present invention.
Claims (10)
1. a mobile-payment system, comprise businessman's end, paying centre and user side, it is characterized in that: described paying centre has information sending module, be configured to have and can send order and order pays successful voucher and provide described order to pay the function of successful voucher to user side to businessman end simultaneously, payment module, be configured to have the function of obtaining payment information and paying from user side, described user side sends to businessman to hold in order to confirm that bill successfully pays by described order being paid to successful voucher.
2. a mobile-payment system, comprises user side, it is characterized in that: described user side obtains order from described paying centre and pays successful voucher after goods orders being paid by paying centre.
3. mobile-payment system as claimed in claim 2, is characterized in that: described user side is the mobile device that has communication function.
4. mobile-payment system as claimed in claim 3, is characterized in that: described in to have the mobile device of communication function be mobile phone personal terminal.
5. a mobile-payment system, comprises businessman's end, it is characterized in that: described businessman end obtains order and pays successful voucher in the time that paying centre obtains sequence information.
6. a mobile-payment system, comprise paying centre, it is characterized in that: described paying centre has information sending module, be configured to have and can send order and order pays successful voucher and provide described order to pay the function of successful voucher to user side to businessman end simultaneously, payment module, is configured to have the function of obtaining payment information and paying from user side.
7. a method of mobile payment, the system of implementing the method comprises businessman's end, paying centre and user side, it is characterized in that comprising the following steps:
S1: order request is sent to paying centre by businessman's end;
S2: paying centre generates sequence information and this information and commodity are paid to successful voucher and sends to businessman to hold simultaneously;
S3: user side reads sequence information from businessman;
S4: user side sends to payment request paying centre and completes bill payment;
S5: the payment success voucher in paying centre forwarding step 2 is to user side;
S6: user side and businessman's end carry out evidence for payment and compare.
8. a method of mobile payment, the system of implementing the method comprises user side, it is characterized in that: comprise the following steps:
A1, user side read order from businessman's end;
A2, user side initiate to pay request to paying centre;
A3, user side obtain order and pay successful voucher from paying centre;
A4, carry out evidence for payment and compare with businessman.
9. a method of mobile payment, the system of implementing the method comprises businessman's end, it is characterized in that: comprise the following steps:
B1, initiate Order creation request to paying centre;
B2, obtain order from paying centre, obtain order simultaneously and pay successful voucher;
B3, order is sent to user;
B4, carry out evidence for payment and compare with user side.
10. a method of mobile payment, the system of implementing the method comprises paying centre, it is characterized in that: described paying centre sends sequence information by information sending module and pays by mails by payment module, specifically comprises the following steps:
C1: paying centre provides order and order to pay successful voucher to businessman's end;
C2: paying centre receives the payment request of sending from user side;
C3: paying centre completes bill payment;
C4: paying centre pays successful voucher by the order that sends to businessman's end in step C1 and again sends to user side, supplies user side and businessman's end to carry out payment information and checks.
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| CN107292668A (en) * | 2017-06-23 | 2017-10-24 | 济南卡巢网络科技有限公司 | Based on App towards businessman and the electronics member system and management method of consumer |
| CN107480981A (en) * | 2017-07-21 | 2017-12-15 | 深圳市金立通信设备有限公司 | A kind of method and server for sending announcement information |
| CN107688941A (en) * | 2017-08-21 | 2018-02-13 | 北京京东金融科技控股有限公司 | Pay box, method and device, system, storage medium and movement, electronic equipment |
| TWI789777B (en) * | 2021-06-02 | 2023-01-11 | 華南商業銀行股份有限公司 | Payment system |
| CN113627943A (en) * | 2021-07-19 | 2021-11-09 | 苏州市企淘网络科技有限公司 | Payment system of industrial product transaction platform |
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