CN104166911A - Photonic payment method and system - Google Patents
Photonic payment method and system Download PDFInfo
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- CN104166911A CN104166911A CN201410183194.3A CN201410183194A CN104166911A CN 104166911 A CN104166911 A CN 104166911A CN 201410183194 A CN201410183194 A CN 201410183194A CN 104166911 A CN104166911 A CN 104166911A
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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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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04B—TRANSMISSION
- H04B10/00—Transmission systems employing electromagnetic waves other than radio-waves, e.g. infrared, visible or ultraviolet light, or employing corpuscular radiation, e.g. quantum communication
- H04B10/11—Arrangements specific to free-space transmission, i.e. transmission through air or vacuum
- H04B10/114—Indoor or close-range type systems
- H04B10/116—Visible light communication
Abstract
The invention provides a photonic payment method comprising the following steps: a photonic payment terminal sends photon identity information to a photon receiving end in the form of optical signal; the photon receiving end sends transaction information to an acquiring platform, wherein the transaction information includes the photon identity information; the acquiring platform sends a payment request to a settlement platform based on the photon identity information, wherein the payment request includes payment account information of a first payment account for payment; and a payment transaction server executes payment transaction based on a settlement request from the settlement platform and confirmation information from the photonic payment terminal, wherein the settlement request includes the payment account information of the first payment account.
Description
Technical field
The present invention relates to method of payment and system, relate in particular to a kind of photon method of payment and system.
Background technology
Visible light communication technology is a kind of in the technical novel radio optical communication technique growing up of LED.By the high-frequency of LED light source, glimmer to communicate, have light to represent 1, unglazedly represent 0, the transfer rate of visible light communication is up to gigabit per second.Visible light communication has quite abundant frequency spectrum resource, and this is to comprise that the general radio communication of microwave communication is incomparable.Meanwhile, visible light communication can be suitable for any communication protocol, be applicable to any environment, and the equipment of visible light communication sets up convenient, with low costly flexibly, is applicable to extensive popularization and application.Visible light communication system utilizes visible ray to carry out short-range communication, and the directive property of visible ray is high, can not penetrate barrier, than using communication to have higher security.
At present, consumer can pass through payment account (for example, credit or debit card or the third party's payment account) clearing of swiping the card on POS holds while paying transacting business.This traditional " card-scanning type ", although method of payment can allow consumer avoid carrying buckets of cash, consumer still must carry or remember that payment account is with the payment of swiping the card, and this is restricted transaction payment.Along with popularizing of mobile communication technology, people often can carry mobile terminal.The multimedia function of mobile terminal has been that standard is equipped with, and for example a lot of mobile terminals all have flashlamp function.Therefore if can utilize the visible light communication of mobile terminal to realize transaction payment, will be, extremely easily.
Summary of the invention
Below provide the brief overview of one or more aspects so that the basic comprehension to these aspects to be provided.Detailed combine of this not all aspect contemplating of general introduction look at, and neither the also non-scope of attempting to define any or all aspect of the key or decisive key element that is intended to point out out all aspects.Its unique object is the order that some concepts that will provide in simplified form one or more aspects are thought the more detailed description providing after a while.
Accompanying drawing explanation
After reading in conjunction with the following drawings the detailed description of embodiment of the present disclosure, can understand better above-mentioned feature and advantage of the present invention.In the accompanying drawings, each assembly is not necessarily drawn in proportion, and the assembly with similar correlation properties or feature may have identical or close Reference numeral.
Fig. 1 a shows according to the block diagram of the photon payment system of the first embodiment of the present invention;
Fig. 1 b shows the block diagram of photon payment terminal according to an aspect of the present invention;
Fig. 1 c shows the block diagram of photon receiving end according to an aspect of the present invention;
Fig. 1 d shows the block diagram of platform of user management according to an aspect of the present invention;
Fig. 2 shows the block diagram of photon payment system according to a second embodiment of the present invention;
Fig. 3 shows the process flow diagram of photon method of payment according to an aspect of the present invention.
Fig. 4 shows the block diagram of the photon payment system of a third embodiment in accordance with the invention;
Fig. 5 shows the block diagram of the photon payment system of a fourth embodiment in accordance with the invention;
Fig. 6 shows the block diagram of photon payment system according to a fifth embodiment of the invention; And
Fig. 7 shows the process flow diagram of photon method of payment according to a further aspect in the invention.
Embodiment
Below in conjunction with the drawings and specific embodiments, the present invention is described in detail.Note, the aspects of describing below in conjunction with the drawings and specific embodiments is only exemplary, and should not be understood to protection scope of the present invention to carry out any restriction.
Fig. 1 shows according to the block diagram of the photon payment system 100 of the first embodiment of the present invention.Photon payment system 100 can comprise photon payment terminal 110.As shown in Figure 2, photon payment terminal 110 can be any suitable portable terminal that comprises Optical Transmit Unit 116, such as cell phone, satellite phone, wireless phone, personal digital assistant (PDA), the portable equipment with wireless connections ability, computing equipment or be connected to other treatment facilities of radio modem etc.Photon payment terminal 110 can be carried out optical communication with the equipment that other have optical communication ability by sharp Optical Transmit Unit 116.For example, by there to be light to represent high level, the unglazed low level that represents, Optical Transmit Unit 116 for example can utilize light emitting diode (LED) to pass on significant signal so that certain rule high frequency flicker is luminous.
Photon payment system 100 can comprise platform of user management 140, to realize the management of user profile.Photon payment terminal 110 can be passed through wireless communication system calling party management platform 140.The wireless communication system here can be such as CDMA, TDMA, FDMA, OFDMA, SC-FDMA and other system.Cdma system can be realized radiotelegraphys such as universal terrestrial radio electricity access (UTRA), cdma2000.UTRA comprises wideband CDMA (W-CDMA) and other CDMA variants.In addition, cdma2000 is contained IS-2000, IS-95 and IS-856 standard.Tdma system can be realized such as radiotelegraphys such as global system for mobile communicationss (GSM).OFDMA system can realize such as evolved UTRA (E-UTRA), Ultra-Mobile Broadband (UMB), IEEE802.11 (Wi-Fi), IEEE802.16 (WiMAX), IEEE802.20,
deng and so on radiotelegraphy.
User can be by photon payment terminal 110 to platform of user management 140 request registration.As shown in Figure 4, platform of user management 140 can comprise that registering unit 141 is for registration light account.In response to the registration request of photon payment terminal 110, registering unit 141 can be photon payment terminal 110 registration one smooth accounts, and is that this light account is distributed a photon identity information, for example, can comprise light ID.This light ID can be stored in platform of user management 140 places, for example, be stored in the database 143 of platform of user management 140.
After registration light account, user can arrange corresponding login password, and can use photon payment terminal 110 these light accounts of login.If user forgets login password, can give former login password for change, give the mode of password for change and can pass through short-message verification, mailbox checking or the checking of identity related information etc., as known to those skilled in the art.
User logins after this light account, can submit to the request of payment account and this light account and light ID binding.User can bind a plurality of payment accounts and this light account and light ID.The payment account here can be bank card, third party's payment account, prepaid card, credit card etc.User can submit the payment account authorization information of payment account to, and for example card number, bank of deposit or card issuer, holder name, identification card number, cell-phone number are waited until platform of user management 140.The payment account authorization information that platform of user management 140 can be submitted user to directly or by the single platform 130 of receipts described below or settlement platform 150 etc. is sent to payment account providing gear indirectly, for example payment transaction system 160, and payment account providing gear is all to be verified if any payment account bank, third party's payment mechanism, credit card providing gear, prepaid card providing gear, city one-card providing gear etc.For example, platform of user management 140 can be submitted to the single platform of the corresponding receipts of this payment account according to specified interface and communication protocol by information by the information of user's packing, for example receive single platform 130-n, this receives interface that single platform 130-n provides according to payment transaction system and communication protocol by information reporting settlement platform 150, and receives the verification tip of the feedbacks such as payment account providing gear such as bank, third party's payment mechanism, prepaid card providing gear, city one-card providing gear.
If be proved to be successful, registering unit 141 can be bound this light account and this payment account mutually, for example, light ID corresponding to this light account is associated with this payment account.User can bind a plurality of payment accounts for this light account, and the payment account of acquiescence can be set simultaneously, or selects corresponding payment account to pay when paying.
More preferably, photon identity information also can comprise that photon identification cipher is to do the checking of photon identity information.This photon identification cipher can be arranged by registering unit 141 in the selection in response to user.Meanwhile, when user forgets this photon identification cipher, can give or reset photon identification cipher for change by payment account related information or the associated identity information of individual.Photon identification cipher can comprise numerical ciphers, gesture password, finger print information etc.The payment account information of at least one payment account of the light ID of this light account, correspondence, photon identification cipher and binding can be stored in database 143.In one example, can be numbered as 1 to N with multiple payment accounts of specific light account and light ID binding, these multiple payment accounts and this light account, light ID and photon identification cipher are stored together associatedly, as shown in table 1.
Table 1
Photon payment terminal 110 can realize registration request, the password setting of above-mentioned smooth account, the bindings of payment account by corresponding photon payment software.This photon payment software can be arranged in photon payment terminal 110.For example, user can open this photon payment software in photon payment terminal 110, by this photon payment software, carry out registration, the management of light account, and the binding of payment account, the acquiescence setting of payment account and the binding of payment account are removed etc.
Photon payment system 100 also can comprise photon receiving end 120-n (n=1,2 ... N), be referred to as altogether photon receiving end 120.Photon receiving end 120-n can be arranged on the simple receiving equipment with optical communication capabilities at trade company place, can be also to have optical communication capabilities and make single, to input the functions such as password POS (Point of Sales) machine.Photon receiving end 120-n is can Shi Yu financial institution relevant, and different photon receiving ends are under the jurisdiction of different financial institutions.For example, photon receiving end 120-1 is under the jurisdiction of the first financial institution, and photon receiving end 120-2 is under the jurisdiction of second financial institution etc.These financial institutions provide payment account separately.
Corresponding with the single platform 120-n of receipts is to receive single platform 130-n.Be similar to photon receiving end, receive single platform 130-n also can Shi Yu financial institution relevant, different receipts list platforms are under the jurisdiction of different financial institutions.For example, receive single platform 130-1 and be under the jurisdiction of the first financial institution, receive single platform 130-2 and be under the jurisdiction of second financial institution etc.Receive single platform 130-n and a public platform of user management 140 is coupled communicatedly.
Photon payment system 100 also can comprise corresponding payment transaction server 160-n.Similarly, payment transaction server 160-n Shi Yu financial institution is correlated with, and different payment transaction servers are under the jurisdiction of different financial institutions.For example, payment transaction server 160-1 is under the jurisdiction of the first financial institution, and payment transaction server 160-2 is under the jurisdiction of second financial institution etc.
Photon receiving end 120-n can be the integral type POS machine that comprises light receiving unit.Or photon receiving end can be also the conventional POS machine being connected with the Optical Receivers of a Dan Li.For example, this routine POS machine can pass through communication interface, such as RS232, USB interface, communicates by letter with this Optical Receivers, or communicates by letter with this Optical Receivers by wireless network.The integral type POS frame structure of below take is described photon receiving end as example, as shown in Figure 3.Photon receiving end 120 can comprise light receiving unit 122 and carry out the POS unit 124 of conventional POS function.
Photon receiving end 120-n can realize optical communication by light receiving unit 122 and photon payment terminal 110.Photon payment terminal 110 can comprise coding unit 112, and usually, coding unit 112 can be encoded to the communication data that will pass on.Communication data can be any information data that photon payment terminal 110 will convey to photon receiving end 120-n, for example, and photon identity information.Common coding can comprise RZ step-by-step counting coding.RZ step-by-step counting coding is that raw information be take to n bit as one group, is provided with the time interval between group between two adjacent groups signal, every group of interior information that represents n bit in this group signal with the number of pulse.For example work as n=2, take two bits during as one group, with 1,2,3 and 4 pulse, represent 00,01,10 and 11 respectively.Common coding also can comprise PPM coding.
More preferably, photon payment terminal 110 also can comprise ciphering unit 114.Ciphering unit 114 can first be encrypted communication data, and then carries out above-mentioned coding by 112 pairs of encrypted communication datas of coding unit.
After communication data is encoded, Optical Transmit Unit 116 can be for example by with luminous expression high level signal, with not luminous expression low level, by the encoded signal receiving, the form with visible ray sends.
The light receiving unit 122 of photon receiving end 120-n can be used for receiving the visible light signal of Optical Transmit Unit 116 transmittings and visible light signal being converted to electric signal, for example, to obtain the communication data of electrical signal form.For example, the high-frequency flicker producing for LED lamp, has light can represent high level, the unglazed low level that represents, otherwise or, thereby the visible light signal of reception can be converted to digital signal.Light receiving unit 122 can comprise photosensitive device, such as photodiode, phototriode etc.The characteristic of utilizing electric signal and the light signal of photosensitive device, will form electric impulse signal by opto-electronic conversion.In practice because photon payment terminal 110 is different with the relative position of photon receiving end 120-n, be that the light signal strength that each photon payment terminal 110 is transmitted into photon receiving end 120-n is different, so its electric signal power is also different, so need to carry out commutating ratio to the formed electric current of photodiode.As the current value passing through when diode, during higher than certain certain threshold value, photoelectric switching circuit is adjusted into high level by the voltage level values of output; When the current value by photodiode is during lower than a certain threshold value, photoelectric switching circuit is adjusted into low level by the voltage level values of output.The setting of this threshold value is to set according to different environment by a mathematical model, and when distant, threshold value may reduce; During near distance, threshold value may raise relatively.By above process, level can be adjusted in certain limit, with this, guarantee correct pulse shape, to guarantee as far as possible the accuracy of sampling.
When user is during in the payment of trade company consumer need, user can send photon identity information with the form of light signal to photon receiving end 120-n by photon payment terminal 110, for example, comprise light ID and photon identification cipher.Particularly, coding unit 112 can be encoded to photon identity information, for example, can comprise RZ step-by-step counting coding, PPM coding etc.More preferably, ciphering unit 114 also can first be encrypted photon identity information, and then is encoded by 112 pairs of encrypted photon identity informations of coding unit.Optical Transmit Unit 116 can send the light signal of this encoded photon identity information of indication.
User, for this photon identity information, bound multiple payment accounts and the situation of giving tacit consent to the payment account for paying is not set, user also can select the payment account for paying from these bound multiple payment accounts.Now, photon identity information also can be accompanied with the identifier that indication is selected for this payment account of payment, and for example, this identifier can be indicated the numbering of this payment account when bound.
User can start the transmission of photon identity information, selection of payment account etc. by the photon payment software in photon payment terminal 110.Before starting payment function, user can input photon identification cipher.More preferably, photon payment software to photon identification cipher preliminary identification by after carry out again delivery operation.
The light receiving unit 122 of photon receiving end 120-n can receive the light signal that photon payment terminal 110 sends and by opto-electronic conversion, light signal is converted to electric signal, to obtain the photon identity information of electrical signal form.In one example, photon receiving end 120-n can comprise that decoding unit is with this electric signal of decoding, thereby recovers photon identity information.In another example preferably, photon receiving end 120-n does not decode to this electric signal, but by POS unit 124, is directly forwarded the encoded photon identity information of electrical signal form.In one example, user is sending after photon identity information by photon payment terminal 110, can input as required the account verification information of payment account.The account verification information of this payment account for example, is verified by the providing gear (, payment transaction server) of payment account in continuation payment flow process.Photon receiving end 120-n can comprise input block 126, such as keyboard, hand-written dish, fingerprint identification module, iris recognition module, voice recognition module etc.User can be by these input block 126 input account verification information, as password, signature, fingerprint, iris, sound etc.
Photon receiving end 120-n, after receiving photon identity information, can upload Transaction Information to corresponding receipts list platform 130-n.This Transaction Information can comprise this photon identity information.User, need to input in the example of account verification information of payment account, this Transaction Information also can comprise account authorization information.In addition, photon receiving end 110 is generally bound mutually with merchant account, so Transaction Information also can comprise the information such as merchant identification identification number and payment.
Receive single platform 130-n and can be used for realizing mutual between photon receiving end 120-n, platform of user management 140 and settlement platform 150.Photon receiving end 120-n can be uploaded to Transaction Information to receive single platform 130-n by dedicated line.Receive after single platform 130-n receives this Transaction Information, can to settlement platform, send the request of payment based on this photon identity information, this payments asks to comprise the payment account information of the payment account for paying.
In one example, receive single platform 130-n and this photon identity information can be transmitted to platform of user management 140, by 140 pairs of these photon identity informations of platform of user management, verified.Platform of user management 140 can comprise that authentication unit 142 is to carry out this checking.For example, the user's of photon payment terminal 110 light account for example, is all stored in the database 143 of platform of user management 140 with the photon identity information (, light ID and photon identification cipher) being associated.At photon identity information, comprise in the example of light ID, authentication unit 142 can be retrieved and be received from this light ID that receives single platform 130-n from database 143, if do not retrieve this light ID, this photon identity information is illegal identity, authentication failed; If retrieve this light ID, be proved to be successful.
At photon identity information, also comprise in the example of photon identification cipher, if can retrieve this light ID, further obtain the photon identification cipher being associated with this light ID, and this photon identification cipher and the photon identification cipher that is received from the single platform 130-n of receipts are compared, if both are consistent, be proved to be successful, otherwise authentication failed.
In one example, the photon identity information that platform of user management 140 is received is through encrypting and coding.In this example, platform of user management 140 can comprise decoding unit 144 and decryption unit 145.Decoding unit 144 can first be decoded to photon identity information, and then is decrypted to recover photon identity information by decryption unit 145.
In response to being proved to be successful, platform of user management 140 can retrieve the payment account information of the payment account that is used to payment being associated with this photon identity information from database 143, and to the single platform 130-n of receipts, transmits this payment account information of this payment account.Platform of user management 140 can be associated with a plurality of financial institutions, thereby stores the payment account information of the payment account of this plurality of financial institutions distribution.In one example, user is provided with the payment account of acquiescence for paying, and now, platform of user management 140 can directly retrieve this acquiescence of being associated with this photon identity information for the payment account information of the payment account that pays in response to being proved to be successful.In another example, user does not arrange the payment account of acquiescence, but selects the payment account for paying when paying, as mentioned before.Now, user's photon identity information can be accompanied with the identifier of indicating the payment account for paying, for example, numbering when this payment account is bound.Platform of user management 140 can retrieve this for the payment account information of the payment account that pays according to this identifier.Platform of user management 140 can send to this payment account information of this payment account retrieving receives single platform 130-n.
In an alternative embodiment, the payment account information of payment account can be stored in receives single platform 130-n place.In this embodiment, in platform of user management 140, not store as described above ground payment account information, but storage can be used to obtain the account related information of payment account information, for example account index information.Now, platform of user management 140 can be that this is for obtaining the account related information of payment account information to what receive single platform 130-n transmission.Receive single platform 130-n and can from the database of self, find out according to the account related information payment account information of this payment account.
In response to this payment account information that obtains this payment account, to receive single platform 130-n and can send this payment request to settlement platform 150, this payment request can comprise this payment account information.In addition, pay request and also can comprise payment and merchant identification identification number.User, in the situation that photon receiving end 120-n has inputted account verification information, this payment request also can comprise account verification information.
On the other hand, in response to authentication failed, platform of user management 140 can transmit authentication failed message to receiving single platform 130-n.If receive authentication failed message, receive single platform 130-n and this authentication failed message can be transmitted to photon receiving end 120-n, to notify trade company and user to pay failure.
Settlement platform 150 can send clearing request to corresponding payment transaction server 160-n after receiving this payment request, and this clearing request can comprise the payment account information of this payment account.
In one example, settlement platform 150 can be submitted clearing request to corresponding payment transaction server 160-n according to payment account information.Except payment account information, clearing request also can comprise payment.User, in the situation that photon receiving end 120-n has inputted account verification information, this clearing request also can comprise account verification information.This payment transaction server 160-n is for the corresponding transaction system of the payment account paying with this.For example, the bank card that this payment account is certain issued by banks of take is example, and this payment transaction server is the bank paying trading server of Wei Gai bank correspondingly.According to different payment accounts, settlement platform 150 can transmit clearing request to different payment transaction servers.
Here, settlement platform 150 is public settlement platforms, and divides and be arranged with each payment transaction server 160-n.But settlement platform 150 can be also a plurality of settlement platforms that are associated with different financial institution separately.In this case, each settlement platform can be integrated into the payment transaction server being associated.
Payment transaction server 160-n can be based on from settlement platform 150 clearing request and from the confirmation information and executing payment transaction of photon payment terminal 110.
In one example, this confirmation can comprise the payment transaction password of this payment account.If this payment transaction password is correct, by payment transaction server 160-n, carry out this payment transaction, otherwise to settlement platform 150 and photon payment terminal 110 feeding back unsuccessful notification messages.
In one example, by payment transaction server 160-n, to photon payment terminal 110, sent and confirm request, photon payment terminal 110 can send this confirmation to payment transaction server 160-n in response to this confirmation request.
After confirmation, payment transaction server 160-n can deduct this payment from corresponding payment account.In clearing request, comprise in the example of account verification information, payment transaction server 160-n also can further examine by the account authorization information legitimacy of payment account information.Note, payment transaction server 160-n does not directly directly squeeze into merchant account by detained payment, but squeezes in the set trading account of settlement platform 150 bank.Settlement platform 150 is understood regularly and trade company settles accounts.Therefore, settlement platform 150 receives that the payment that payment transaction server 160-n turns can think to pay successfully.Payment transaction server 160-n can be to settlement platform 150 feedback payment and settlement information after transferring accounts, for example payment account number, deducted amount etc.
Settlement platform 150 can be transmitted to this payment and settlement information receives single platform 130-n, and further sends payment and settlement information to photon receiving end 120-n by receiving single platform 130-n.Printable this payment and settlement information of photon receiving end 120-n.
So far, user can complete transaction payment by photon payment terminal 110.
According to the solution of the present invention, user can, without the various payment accounts that carry a multitude of names, can complete payment by for example mobile phone with flashlamp function.Than by means of payment on line, the security of payment obtains Reliable guarantee, because according to the solution of the present invention, to be POS end by safety enter payment transaction system for interface to payment flow.And, than card-scanning type under traditional line, paying, the magnetic track information of payment account is easy to be stolen.Yet according to the solution of the present invention, POS end is not handled the accounts information of payment account, so security is significantly improved.
Fig. 5 shows the process flow diagram of photon method of payment 500 according to an aspect of the present invention.
In step 502, from photon payment terminal, with the form of light signal, to photon receiving end, send photon identity information.
In one example, photon payment terminal can be encoded to this photon identity information, and to photon receiving end, sends this encoded photon identity information with the form of light signal.More preferably, photon payment terminal can first be encrypted photon identity information, and then encrypted photon identity information is encoded.Photon receiving end receives this light signal and can light signal be converted to electric signal by opto-electronic conversion, to obtain the photon identity information of electrical signal form.
In one example, photon identity information can comprise light ID.More preferably, this photon identity information also can comprise photon identification cipher.
In step 504, from photon receiving end, to receiving single platform, send Transaction Information, this Transaction Information can comprise this photon identity information.
In step 506, to receive single platform and can to settlement platform, send the request of payment based on this photon identity information, this payment request comprises the payment account for paying, for example the payment account information of the first payment account.
In one example, receive single platform and this photon identity information can be forwarded to platform of user management, platform of user management can be verified the photon identity information of receiving.In one example, photon identity information comprises light ID.Platform of user management can be retrieved this light ID receiving from its data storehouse, if do not retrieve this light ID, this photon identity information is illegal identity, authentication failed.If can retrieve this light ID, be proved to be successful.More preferably, in the situation that retrieving this light ID, platform of user management also can further obtain the photon identification cipher being associated with this light ID, and this photon identification cipher and the photon identification cipher receiving are compared, if both are consistent, be proved to be successful, otherwise authentication failed.
In one example, the photon identity information that platform of user management is received is through encrypting and coding.In this example, platform of user management can first be decoded to photon identity information, and then is decrypted to recover this photon identity information.
In response to being proved to be successful, platform of user management can transmit to the single platform of receipts this payment account information of this first payment account.In alternative embodiment, platform of user management also can transmit the account related information of this payment account information and find out this payment account information for receiving single platform.In response to this payment account information that obtains this first payment account, to receive single platform and can send this payment request to settlement platform, this payment request can comprise this payment account information of this first payment account.In one example, this first payment account is the payment account of acquiescence for paying, now, platform of user management can directly retrieve the acquiescence that is associated with this photon identity information for the payment account information of this first payment account of paying in response to being proved to be successful.In another example, user does not arrange acquiescence payment account, and now, photon identity information also can be accompanied with the identifier of indication the first payment account.Platform of user management can retrieve according to this identifier this payment account information of this first payment account being associated with this photon identity information.In response to receiving this payment account information, to receive single platform and can transmit the request of payment to settlement platform, this payment request can comprise this payment account information.In addition, this payment request also can comprise merchant identification identification number and payment.
In response to authentication failed, platform of user management can transmit authentication failed message to receiving single platform.In response to receiving this authentication failed message, receive single platform and authentication failed message can be transmitted to photon receiving end.
Settlement platform can send clearing request to corresponding payment transaction server after receiving this payment request, and this clearing request can comprise the payment account information of this payment account.This payment transaction server is the transaction system corresponding with this first payment account.For example, the bank card that this payment account is certain issued by banks of take is example, and this payment transaction server is the bank paying trading server of Wei Gai bank correspondingly.According to different payment accounts, settlement platform can transmit clearing request to different payment transaction servers.
In step 508, the clearing request by payment transaction server based on from settlement platform and from the confirmation information and executing payment transaction of photon payment terminal, this clearing request can comprise the payment account information of this first payment account.
In one example, this confirmation can comprise the payment transaction password of this first payment account.If this payment transaction password is correct, by payment transaction server, carry out this payment transaction, otherwise to settlement platform and photon payment terminal feeding back unsuccessful notification message.
In one example, by payment transaction server, to photon payment terminal, sent and confirm request, photon payment terminal can send this confirmation to payment transaction server in response to this confirmation request.
After confirmation, this payment transaction server can put this payment under the trading account of settlement platform and feed back payment and settlement information to settlement platform.In response to receiving payment and settlement information, settlement platform can forward this payment and settlement information to receiving single platform, receives single platform and sends the payment and settlement information of receiving to photon receiving end.
Although said method is illustrated and is described as a series of actions for making to explain to simplify, it should be understood that and understand, the order that these methods are not moved is limit, because according to one or more embodiment, some actions can by different order occur and/or with from illustrating herein and describe or not shown and describe but other actions that it will be appreciated by those skilled in the art that occur concomitantly herein.
Those skilled in the art will further understand, and various illustrative logic plates, module, circuit and the algorithm steps in conjunction with embodiment disclosed herein, described can be embodied as electronic hardware, computer software or the two combination.For clearly explaining orally this interchangeability of hardware and software, various illustrative components, frame, module, circuit and step are done vague generalization with its functional form in the above and are described.This type of is functional is implemented as the design constraint that hardware or software depend on concrete application and puts on total system.Technician can realize by different modes described functional for every kind of application-specific, but such realize decision-making and should not be interpreted to and cause having departed from scope of the present invention.
Various illustrative logic plates, module and the circuit of describing in conjunction with embodiment disclosed herein can be realized or carry out with any combination that general processor, digital signal processor (DSP), special IC (ASIC), field programmable gate array (FPGA) or other programmable logic device (PLD), discrete or transistor logic, discrete nextport hardware component NextPort or its are designed to carry out function described herein.General processor can be microprocessor, but in alternative, this processor can be processor, controller, microcontroller or the state machine of any routine.Processor can also be implemented as the combination of computing equipment, for example combination of DSP and microprocessor, multi-microprocessor, with one or more microprocessors or any other this type of configuration of DSP central cooperation.
The method of describing in conjunction with embodiment disclosed herein or the step of algorithm can be embodied directly in hardware, in the software module of being carried out by processor or in the two combination and embody.Software module can reside in the storage medium of RAM storer, flash memory, ROM storer, eprom memory, eeprom memory, register, hard disk, removable dish, CD-ROM or any other form known in the art.Exemplary storage medium is coupled to processor so that this processor can read and writing information from/to this storage medium.In alternative, storage medium can be integrated into processor.Processor and storage medium can reside in ASIC.ASIC can reside in user terminal.In alternative, processor and storage medium can be used as discrete assembly and reside in user terminal.
In one or more exemplary embodiments, described function can realize in hardware, software, firmware or its any combination.If be embodied as computer program in software, each function can be used as one or more instructions or code storage on computer-readable medium or mat its transmit.Computer-readable medium comprises computer-readable storage medium and communication media, and it comprises any medium of facilitating computer program to shift to another ground from a ground.Storage medium can be can be by any usable medium of computer access.As example and non-limiting, such computer-readable medium can comprise RAM, ROM, EEPROM, CD-ROM or other optical disc storage, disk storage or other magnetic storage apparatus, maybe can be used to carry or store instruction or data structure form desirable program code and can be by any other medium of computer access.Any connection is also by rights called computer-readable medium.For example, if software be use concentric cable, fiber optic cables, twisted-pair feeder, digital subscribe lines (DSL) or the wireless technology such as infrared, radio and microwave from web website, server or other remote source transmit, this concentric cable, fiber optic cables, twisted-pair feeder, DSL or the wireless technology such as infrared, radio and microwave are just included among the definition of medium.Dish (disk) and dish (disc) comprise compact disc (CD), laser dish, laser disc, digital versatile dish (DVD), floppy disk and blu-ray disc as used herein, its mid-game (disk) is often with the mode rendering data of magnetic, and dish (disc) with laser with optical mode rendering data.Above-mentioned combination also should be included in the scope of computer-readable medium.
Providing previous description of the present disclosure is for making any person skilled in the art all can make or use the disclosure.To various modifications of the present disclosure, will be all apparent for a person skilled in the art, and generic principles as defined herein can be applied to other variants and can not depart from spirit or scope of the present disclosure.Thus, the disclosure is not intended to be defined to example described herein and design, but should be awarded the widest scope consistent with principle disclosed herein and novel features.
Claims (24)
1. a photon method of payment, comprising:
Photon payment terminal sends photon identity information with the form of light signal to photon receiving end;
Described photon receiving end sends Transaction Information to receiving single platform, and described Transaction Information comprises described photon identity information;
The single platform of described receipts sends to settlement platform the request of payment based on described photon identity information, and described payment request comprises the payment account information of the first payment account for paying; And
The clearing request of payment transaction server based on from described settlement platform and from the confirmation information and executing payment transaction of described photon payment terminal, described clearing request comprises the described payment account information of described the first payment account.
2. photon method of payment as claimed in claim 1, is characterized in that, described photon payment terminal comprises to photon receiving end transmission photon identity information with the form of light signal:
Described photon identity information is encoded; And
Form with described light signal sends encoded described photon identity information to described photon receiving end.
3. photon method of payment as claimed in claim 2, is characterized in that, described photon identity information is encoded and specifically comprised:
First described photon identity information is encrypted; And
Encrypted described photon identity information is carried out to described coding.
4. photon method of payment as claimed in claim 1, is characterized in that, also comprises:
Described photon receiving end receives described light signal and by opto-electronic conversion, described light signal is converted to electric signal.
5. photon method of payment as claimed in claim 1, is characterized in that, the single platform of described receipts sends to settlement platform the request of payment based on described photon identity information and specifically comprises:
The single platform of described receipts is forwarded to platform of user management by described photon identity information;
Described platform of user management is verified described photon identity information;
If be proved to be successful, described platform of user management sends the described payment account information of described the first payment account or the account related information of described payment account information to the single platform of described receipts; And
In response to the described payment account information that obtains described the first payment account, described receipts list platform sends described payment request to described settlement platform.
6. method as claimed in claim 5, is characterized in that, the single platform of described receipts is forwarded to described platform of user management by described photon identity information and specifically comprises:
The single platform of described receipts is transmitted to described platform of user management by the described photon identity information of electrical signal form; And
Described platform of user management is carried out decoding to obtain described photon identity information to described electric signal.
7. photon method of payment as claimed in claim 6, is characterized in that, also comprises:
Described platform of user management is to carrying out deciphering to obtain described photon identity information through the described electric signal of decoding.
8. photon method of payment as claimed in claim 5, is characterized in that, also comprises:
If authentication failed, described platform of user management sends authentication failed message to the single platform of described receipts; And
In response to receiving described authentication failed message, described receipts list platform sends described authentication failed message to described photon receiving end.
9. photon method of payment as claimed in claim 5, is characterized in that, described photon identity information comprises light ID, and described platform of user management is verified and comprised described photon identity information:
Described platform of user management is retrieved described smooth ID from database;
If do not retrieve described smooth ID, authentication failed;
If retrieve described smooth ID, be proved to be successful.
10. photon method of payment as claimed in claim 9, is characterized in that, described photon identity information also comprises photon identification cipher, and described platform of user management is verified specifically and comprised described photon identity information:
If retrieve described smooth ID, further the photon identification cipher being associated with described smooth ID in described database is compared with the described photon identification cipher that is received from the single platform of described receipts;
If both are consistent, be proved to be successful, otherwise authentication failed.
11. photon methods of payment as claimed in claim 5, it is characterized in that, described the first payment account is the payment account of acquiescence for paying, and the described payment account information that described platform of user management sends described the first payment account to the single platform of described receipts specifically comprises:
Described platform of user management directly retrieves the acquiescence that is associated with described photon identity information for the described payment account information of described the first payment account of paying in response to being proved to be successful.
12. photon methods of payment as claimed in claim 5, it is characterized in that, described photon identity information is also accompanied with the identifier of described the first payment account of indication, and the described payment account information that described platform of user management sends described the first payment account to the single platform of described receipts specifically comprises:
Described platform of user management retrieves the described payment account information of described the first payment account being associated with described photon identity information according to described identifier.
13. photon methods of payment as claimed in claim 5, is characterized in that, when described platform of user management sends the account related information of payment account information of described the first payment account to the single platform of described receipts, also comprise:
The single platform of described receipts is found out the described payment account information of described the first payment account in the database of the single platform of described receipts according to described account related information.
14. photon methods of payment as claimed in claim 1, is characterized in that, described confirmation comprises the payment transaction password of described the first payment account.
15. photon methods of payment as claimed in claim 14, is characterized in that, if described payment transaction password is correct, described payment transaction server is carried out described payment transaction, otherwise to described settlement platform and described photon payment terminal feeding back unsuccessful notification message.
16. photon methods of payment as claimed in claim 1, is characterized in that, also comprise:
Described payment transaction server sends and confirms request to described photon payment terminal; And
Described photon payment terminal sends described confirmation in response to described confirmation request to described payment transaction server.
17. photon methods of payment as claimed in claim 1, is characterized in that, described payment transaction server is carried out payment transaction and comprised:
Described payment transaction server puts payment the trading account of described settlement platform under and feeds back payment and settlement information to described settlement platform.
18. 1 kinds of photon payment systems, comprising:
Photon payment terminal, sends and pays identity information for the form with light signal;
Photon receiving end, for receiving the concurrent Transaction Information that send of described photon identity information, described Transaction Information comprises described payment identity information;
Receive single platform, for receiving described Transaction Information and sending based on described payment identity information the request of payment, described payment request comprises the payment account information of the first Payment Card for paying;
Settlement platform, send clearing request for receiving described payment request Concurrency, and described clearing request comprises the described payment account information of described the first payment account; And
Payment transaction server, for the clearing request based on from described settlement platform with from the confirmation information and executing payment transaction of described photon payment terminal.
19. photon payment systems as claimed in claim 18, it is characterized in that, also comprise platform of user management, described platform of user management is for verifying being received from the described photon identity information of the single platform of described receipts, if be proved to be successful, to the single platform of described receipts, transmit the described payment account information of described the first payment account or the account related information of described payment account information.
20. photon payment systems as claimed in claim 19, it is characterized in that, if described platform of user management also transmits authentication failed message to the single platform of described receipts for authentication failed, and the single platform of described receipts is also in response to receiving that described authentication failed message is transmitted to described photon receiving end by described authentication failed message.
21. photon payment systems as claimed in claim 18, is characterized in that, described confirmation comprises the payment transaction password of described the first payment account.
22. photon payment systems as claimed in claim 21, it is characterized in that, if described payment transaction server is also correctly carried out described payment transaction for described payment transaction password, otherwise to described settlement platform and described photon payment terminal feeding back unsuccessful notification message.
23. photon payment systems as claimed in claim 18, it is characterized in that, described payment transaction server is also for sending and confirm request to described photon payment terminal, and described photon payment terminal is also for sending described confirmation in response to described confirmation request to described payment transaction server.
24. photon payment systems as claimed in claim 18, is characterized in that, described payment transaction server is further used for payment put the trading account of described settlement platform under and feed back payment and settlement information to described settlement platform.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410183194.3A CN104166911B (en) | 2014-04-30 | 2014-04-30 | Photon method of payment and system |
| PCT/CN2015/082854 WO2015165426A1 (en) | 2014-04-30 | 2015-06-30 | Payment method and payment system |
| US15/336,830 US20170046705A1 (en) | 2014-04-30 | 2016-10-28 | Payment method and payment system |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410183194.3A CN104166911B (en) | 2014-04-30 | 2014-04-30 | Photon method of payment and system |
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| CN104166911A true CN104166911A (en) | 2014-11-26 |
| CN104166911B CN104166911B (en) | 2016-04-27 |
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| CN201410183194.3A Active CN104166911B (en) | 2014-04-30 | 2014-04-30 | Photon method of payment and system |
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| CN105631663A (en) * | 2015-12-18 | 2016-06-01 | 郑州天迈科技股份有限公司 | Photon-based bus ride payment method |
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| CN104166911B (en) | 2016-04-27 |
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