CN104182873A - Payment method and system - Google Patents
Payment method and system Download PDFInfo
- Publication number
- CN104182873A CN104182873A CN201310195779.2A CN201310195779A CN104182873A CN 104182873 A CN104182873 A CN 104182873A CN 201310195779 A CN201310195779 A CN 201310195779A CN 104182873 A CN104182873 A CN 104182873A
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- Prior art keywords
- card
- payment
- processing terminal
- management center
- information
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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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
-
- 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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4012—Verifying personal identification numbers [PIN]
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides a payment method, which comprises the following steps: card information is obtained by a card reader and is output to a processing terminal through a transmission device, and the processing terminal and a card management center carry out data interaction through a network to finish payment. Meanwhile, the invention also provides a payment system which applies the payment method. The payment system adopts a card swiping way to input the card information into terminal equipment so as to participate in and finish an on-line transaction, thereby avoiding the on-line card transaction activating procedure. Card information input is omitted in a card swiping way, so that a phenomenon that the card information is stolen since the card information is input on the terminal is avoided, and the card information and stored money are favorably guaranteed to be safe. Besides, the payment method and system provided by the invention is convenient to use, and facilitates on-line payment.
Description
Technical field
The invention belongs to stored value card payment technical field, be specifically related to a kind of method of payment and system that stored value card pays that be applied to.
Background technology
Along with social development; various stored value cards are applied to people's life; more typical; bank card for example; development along with the Internet bank; increasing transaction is carried out on the net; conventionally need to input bank card information on the net; and will complete transaction, need to open ebanking services by this bank card; also must there be the various secret key protections of considering for secure context; this brings certain interference to online transaction, and information, in the input of device end, the event that bank card information is stolen also easily occurs.
Summary of the invention
In order to solve the problems of the technologies described above, the invention provides a kind of method of payment and system, the mode that employing is swiped the card in terminal, has participated in stored value card input information in transaction, and to achieve these goals, the present invention is by the following technical solutions.
A method of payment, for completing online payment, comprises the following steps:
1) processing terminal connected to the network sends payment demand, on the display unit of described processing terminal, shows;
2) in card reader, swipe the card, described card reader reads card image, this information exchange is crossed to transmitting device and be transferred to described processing terminal;
3) described processing terminal obtains, shows card image, and described processing terminal carries out data interaction by network and card management center, completes payment.
Further, described step 3) in, " described processing terminal carries out data interaction by network and card management center " also comprises verification step, input validation code on described processing terminal, described processing terminal is transmitted through the network to card management center and verifies, consistent with the reserved code in card management center, by checking; Otherwise send checking request again, and point out on described processing terminal.
Further, described reserved code is described card password.
Further, described reserved code is that described card management center is sent to the random code of the reserved communication number of described card by network.
Further, described reserved code is that described card password and described card management center are sent to the random code of the reserved communication number of described card by network.
Further, described transmitting device and described processing terminal carry out data transmission by data line.
Further, described card reader and described transmitting device carry out data transmission by wireless mode or signal transmssion line.
The present invention also provides a kind of payment system, comprising:
Card reader, comprise: for obtaining the portion that swipes the card of card image, decoding process chip for computing that the information of obtaining is decoded, and the sending module that receives described decoding process chip output information, described card reader is portable, described in swipe the card portion, decoding process chip and sending module be all placed in the housing of described card reader;
Transmitting device, comprising: receive the receiver module of described sending module output information, the processing module that docking collection of letters breath is processed, and the transmission ends of information output after processing for described processing module;
Processing terminal, comprise: receive the receiving end of described transmission ends output information, the load module of inputting for data, process the processing unit of information and the described load module input data of described receiving end output, and the display unit of demonstration information, data and described processing unit processes result.
Further, described sending module is wireless sending module, and described receiver module is the wireless receiving module with described sending module wireless connections; The sending module of described card reader is connected by signal transmssion line with the receiving element of described transmitting device.
Further, also comprise card management center, described card management center is connected with described processing terminal by network.
About payment system, the built-in identical transmission of wireless signals agreement of described wireless sending module and wireless receiving module, described transmission of wireless signals agreement comprises wifi agreement and Bluetooth protocol; Wherein, described transmission ends is connected by data line with described receiving end; Described processing terminal is desktop computer, portable computer, cell phone, panel computer or palm PC; About described load module, comprise physical button; As another kind of implementation method, described display unit comprises touching display screen, and described load module carries out data input by touching display screen.
Method of payment of the present invention and system adopt the mode of swiping the card that card image is input to terminal device, participation completes online transaction, avoided card to open the formality of online transaction, the employing mode of swiping the card, without the input of carrying out card image, avoided card image stolen because of input in terminal, be conducive to guarantee the safety of card image and Stored Value, simultaneously easy to use, make online payment more quick.
Accompanying drawing explanation
Fig. 1 is the module map of a kind of payment system embodiment 1 of the present invention.
Embodiment
The realization of the object of the invention, functional characteristics and advantage, in connection with embodiment, are described further with reference to accompanying drawing.Should be appreciated that specific embodiment described herein, only in order to explain the present invention, is not intended to limit the present invention.
With reference to Fig. 1, Fig. 1 is the module map of payment system embodiment 1 of the present invention, this payment system can be used in bank card, the payment of the cards such as stored value card, particularly on network payment, use, this payment system comprises card reader 1, transmitting device 2, processing terminal 3 and card management center 4, card reader 1 reads card image and is input to processing terminal 3 by transmitting device 2, processing terminal 3 carries out data interaction by network and card management center, processing terminal 3 is known card image from card management center 4, can also whether card be paid and be verified, such as authentication password etc., then complete transaction.
Wherein, card reader 1 comprises the portion of swiping the card 11, codec processing unit 12 and sending module 13, the portion 11 that swipes the card can read the card images such as bank card, stored value card, through decoding process chip 12, decode after computing and output to sending module 13,13 of sending modules by this communication to transmitting device 2.
Transmitting device 2 comprises receiver module 21, processing module 22 and transmission ends 23, receiver module 21 receives the information of sending module 13 outputs, the information of 22 pairs of receiver modules of processing module, 21 outputs is processed, comprise denoising to information signal, amplification etc., 23 communications that treated module 22 is processed of transmission ends are to processing terminal 3.
Processing terminal 3 comprises receiving end 31, processing unit 32, input block 33 and display unit 34, receiving end 31 is connected by data line with transmission ends 23, receive the information of transmission ends 23 outputs, treated unit 32 shows at display unit 34 after processing, this information demonstrating comprises the information of card, also may add card possessor's identity information.Mostly 33 inputs of carrying out data of input block, in payment, be the input of card authorization information, also can on display unit 34, show, the data of this demonstration may be the data of input, may be also " * " that only represent figure place that after encrypting, show etc.32 of processing units carry out data interaction according to the request of input block 33 inputs by network and card management center 4, and card image and authorization information are checked, and unanimously complete payment.When selecting data line, relatively more conventional, usb data line, as a kind of standard data delivery line, can be applied to multiple terminal, can preferentially use.
The information transmission mode of card reader 1 and transmitting device 2 can be wired form, for example, adopt signal transmssion line that the receiver module 21 of the sending module of card reader 1 13 and transmitting device 2 is connected, to realize the transmission of information; Also can be wireless mode, sending module 13 is wireless sending module, its built-in radio circuit and emitting antenna, 21 of receiver modules are the wireless receiving module corresponding with sending module 13, it comprises receiving antenna and radio circuit, built-in identical transmission of wireless signals agreement in sending module 13 and receiver module 21, such as wifi agreement, Bluetooth protocol etc.Card reader 1 is of portable form, if wired mode is connected with transmitting device, as long as the interface of data line is set in card reader.
Processing terminal 3 can be desktop computer, portable computer, cell phone, panel computer or palm PC etc., as long as can produce the terminal of payment demand, all can.The load module of processing terminal can be physical button, such as the computor-keyboard of standard, cell phone keyboard etc., load module also can complete data input on the display unit by touching display screen formula, now clicks dummy keyboard on touching display screen or hand-written mode and all can complete the input of data.The network that processing terminal connects can be internet, wireless network, mobile communication network etc.
Card management center 4 can be card data database, store the authorization information that card image and card are corresponding, for example, when card is bank card, the bank card data storehouse of card management center Ze Shi bank, according to the difference of the bank card bank of issue, select the bank card data storehouse of corresponding bank to carry out data interaction, complete payment.
In other embodiment, payment system only includes card reader, transmitting device and processing terminal, the realization of its payment function is by card reader, transmitting device and processing terminal, in payment process, by processing terminal, by network and card management center, carry out data interaction, belong to payment system from card management center obtaining information, obtain the information support outside system.
Method of payment of the present invention has been mainly used in online payment, and for example shopping online payment, Mobile phone card and Payment Card are supplemented with money, transferred accounts etc., comprise the following steps particularly.
First, processing terminal connected to the network sends payment demand, and shows on the display unit of processing terminal, and displaying contents at least comprises the amount of money of transaction, and indivedual transaction also comprise transaction journal number etc.Card possessor swipe the card in card reader, and card reader reads card image, and this card image is transferred to processing terminal by transmitting device.Processing terminal obtains after card image, on display unit, show, for safety and secret, can a display section card number, processing terminal carries out data interaction by network and card management center, and transmission card image is to card management center, and whether card management center arranges checking demand according to card and whether decide checking, do not need to verify that ask by payment at card management center, on processing terminal, shown payment.
In other embodiments, card needs verification step when paying, when processing terminal shows checking demand, input validation code on processing terminal, processing terminal transfers to card management center by network by the identifying code of input and verifies, when consistent with the reserved code in card management center, by checking; Otherwise send checking request again, and point out on processing terminal.Wherein, reserved code can be the card password that presets and be stored in card management center, also can be that card management center is sent to the random code of the reserved communication number of card by network, for example, send to the random code of reserved cell-phone number, can be also above-mentioned two kinds all has.
Method of payment of the present invention and system thereof are novel, have avoided producing while paying request and needing Net silver just can complete the drawback of payment on the net, and can guarantee the safety of card image and Stored Value, for online transaction provides a kind of new modes of payments.
The foregoing is only the preferred embodiments of the present invention; not thereby limit the scope of the claims of the present invention; every equivalent structure or conversion of equivalent flow process that utilizes instructions of the present invention and accompanying drawing content to do; or be directly or indirectly used in other relevant technical fields, be all in like manner included in scope of patent protection of the present invention.
Claims (10)
1. a method of payment, for completing online payment, is characterized in that, comprises the following steps:
1) processing terminal connected to the network sends payment demand, on the display unit of described processing terminal, shows;
2) card reader reads card image, this information exchange is crossed to transmitting device and be transferred to described processing terminal;
3) described processing terminal obtains, shows card image, and described processing terminal carries out data interaction by network and card management center, completes payment.
2. method of payment according to claim 1, it is characterized in that: described step 3), " described processing terminal carries out data interaction by network and card management center " also comprises verification step, input validation code on described processing terminal, described processing terminal is transmitted through the network to card management center and verifies, consistent with the reserved code in card management center, by checking; Otherwise send checking request again, and point out on described processing terminal.
3. method of payment according to claim 2, is characterized in that: described reserved code is described card password.
4. method of payment according to claim 2, is characterized in that: described reserved code is that described card management center is sent to the random code of the reserved communication number of described card by network.
5. method of payment according to claim 2, is characterized in that: described reserved code is that described card password and described card management center are sent to the random code of the reserved communication number of described card by network.
6. method of payment according to claim 1, is characterized in that, described transmitting device and described processing terminal carry out data transmission by data line.
7. method of payment according to claim 6, is characterized in that, described card reader and described transmitting device carry out data transmission by wireless mode or signal transmssion line.
8. a payment system, is characterized in that, comprising:
Card reader, comprising: for obtaining the portion that swipes the card of card image, and for the decoding process chip of computing that the information of obtaining is decoded, and the sending module that receives described decoding process chip output information;
Transmitting device, comprising: receive the receiver module of described sending module output information, the processing module that docking collection of letters breath is processed, and the transmission ends of information output after processing for described processing module;
Processing terminal, comprise: receive the receiving end of described transmission ends output information, the load module of inputting for data, process the processing unit of information and the described load module input data of described receiving end output, and the display unit of demonstration information, data and described processing unit processes result.
9. payment system according to claim 8, is characterized in that, described sending module is wireless sending module, and described receiver module is the wireless receiving module with described sending module wireless connections; The sending module of described card reader is connected by signal transmssion line with the receiving element of described transmitting device.
10. payment system according to claim 8 or claim 9, is characterized in that, also comprise card management center, described card management center is connected with described processing terminal by network.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310195779.2A CN104182873A (en) | 2013-05-21 | 2013-05-21 | Payment method and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310195779.2A CN104182873A (en) | 2013-05-21 | 2013-05-21 | Payment method and system |
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| Publication Number | Publication Date |
|---|---|
| CN104182873A true CN104182873A (en) | 2014-12-03 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201310195779.2A Pending CN104182873A (en) | 2013-05-21 | 2013-05-21 | Payment method and system |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105938595A (en) * | 2015-03-05 | 2016-09-14 | Lg电子株式会社 | Mobile terminal and method for controlling the same |
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|---|---|---|---|---|
| CN101118628A (en) * | 2006-07-31 | 2008-02-06 | 阿里巴巴公司 | Payment system for trading with ID card containing IC card and method thereof |
| CN101645192A (en) * | 2009-08-26 | 2010-02-10 | 神州付（北京）软件技术有限公司 | Information processing method, system and mobile terminal |
| CN202694458U (en) * | 2012-08-14 | 2013-01-23 | 山东财经大学 | Online payment system based on mobile intelligent communication equipment |
-
2013
- 2013-05-21 CN CN201310195779.2A patent/CN104182873A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101118628A (en) * | 2006-07-31 | 2008-02-06 | 阿里巴巴公司 | Payment system for trading with ID card containing IC card and method thereof |
| CN101645192A (en) * | 2009-08-26 | 2010-02-10 | 神州付（北京）软件技术有限公司 | Information processing method, system and mobile terminal |
| CN202694458U (en) * | 2012-08-14 | 2013-01-23 | 山东财经大学 | Online payment system based on mobile intelligent communication equipment |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105938595A (en) * | 2015-03-05 | 2016-09-14 | Lg电子株式会社 | Mobile terminal and method for controlling the same |
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Application publication date: 20141203 |