CN104537533A - Short distance induction type payment method and system - Google Patents
Short distance induction type payment method and system Download PDFInfo
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- CN104537533A CN104537533A CN201410831349.XA CN201410831349A CN104537533A CN 104537533 A CN104537533 A CN 104537533A CN 201410831349 A CN201410831349 A CN 201410831349A CN 104537533 A CN104537533 A CN 104537533A
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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
- G06Q20/30—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
-
- 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
Abstract
The invention relates to a short distance induction type payment method and system. The method comprises the steps that a first client-side inputs amount information, starts a corresponding wireless communication module and transmits transaction request information; a second client-side starts a corresponding wireless communication module, enters a wireless coverage of the first client-side, establishes connection with the first client-side and automatically receives the transaction request information transmitted by the first client-side; the second client-side uploads account information of its own and the received transaction request information to a payment platform through a network module; the payment platform matches the uploaded account information with a corresponding account and makes the account of the second client-side pay the amount in the amount information to the account of the first client-side. The short distance induction type payment method and system have the advantages that in the payment process, a customer just needs to attach his/her own client-side to the client-side of a merchant and then can establish connection and achieve real-time payment, login, input, verification, confirmation and other online payment steps are not needed in the whole process, and therefore payment and collection steps are greatly simplified.
Description
Technical field
The present invention relates to quick payment technology field, be specifically related to a kind of short distance induction type method of payment and system.
Background technology
At present, realize logical depositing by Unionpay between each bank and logically get business.Generally, bank does not provide such guarantee business of cashing on delivery.If will safe payment be carried out between user, just by providing the Third-party payment platform of secure payment function, must show
At this platform great majority by website, software or mobile phone A PP and client carry out UNICOM, facilitate client to carry out online payment.So-called online payment that Here it is.
But online payment is now more pay in the face of Xian Shang both parties, sell under line, especially the entity sales mode such as market, supermarket and convenience store then helps not quite, trace it to its cause is pay inconvenience, payer has needed login, input, checking, the step of confirmation etc. just can complete payment, complex steps, not easy to operate, and beneficiary often needs to have repeated the payment process that above-mentioned step just can complete the whole series equally, cannot meet the requirement in the place of the efficient and convenient rapid payments of needs such as market, supermarket, the many shops of scholar, convenience store.
Summary of the invention
In order to overcome the deficiencies in the prior art, the object of the present invention is to provide a kind of short distance induction type method of payment and system, payment transaction is initiated by the terminal of businessman, after the terminal of client and the terminal of businessman connect, respective accounts information and amount information are uploaded to payment platform, complete payment by payment platform direct payment, whole process only needs two terminals to connect just can realize payment, the step that greatly simplify payment and collect money.
For solving the problem, the technical solution adopted in the present invention is as follows:
Scheme one:
A kind of short distance induction type method of payment, is applied to the first client, between the second client and payment platform, comprises the following steps:
S101: by the first client input amount information, and the wireless communication module opening correspondence launches transaction request information in wireless coverage, to wait for the connection of the second client, transaction request information comprises the accounts information of amount information and the first client;
S102: the second client is opened corresponding wireless communication module and is entered the wireless coverage of the first client and the first client connects, and the transaction request information that automatic reception first client is launched;
The transaction request information of the accounts information self stored and reception is uploaded in payment platform by mixed-media network modules mixed-media by the S103: the second client;
S104: the account that payment platform is corresponding according to the accounts information coupling uploaded, and make the account of the second client to the dollar amount in the bill payment amount information of the first client.
Further, the accounts information of the first client carries gathering mark, and the accounts information of the second client carries payment mark.
Further, in S104, account corresponding to accounts information is for being pre-stored within payment platform and authorizing accessible account.
Further, the wireless communication module of the first client and the wireless communication module of the second client are near-field communication module or bluetooth module or WIFI module.
Scheme two:
A kind of short distance induction type payment system, is applied to the first client, between the second client and payment platform, comprises with lower module:
Transaction request module, be located in the first client, for inputting amount information, and the wireless communication module opening correspondence launches transaction request information in wireless coverage, to wait for the connection of the second client, transaction request information comprises the accounts information of amount information and the first client;
Transaction responding module, is located in the second client, enters the wireless coverage of the first client and the first client connects for opening corresponding wireless communication module, and the transaction request information that automatic reception first client is launched;
Transmission module in transaction, is located in the second client, and the transaction request information for the accounts information that self stored and reception is uploaded in payment platform by mixed-media network modules mixed-media;
To conclude the business module, be located in payment platform, for the account corresponding according to the accounts information coupling uploaded, and made the account of the second client to the dollar amount in the bill payment amount information of the first client.
Further, the accounts information of the first client carries gathering mark, and the accounts information of the second client carries payment mark.
Further, complete in module in transaction, account corresponding to accounts information is for being pre-stored within payment platform and authorizing accessible account.
Further, the wireless communication module of the first client and the wireless communication module of the second client are near-field communication module or bluetooth module or WIFI module.
Compared to existing technology, beneficial effect of the present invention is: initiate payment transaction by the terminal of businessman, after the terminal of client and the terminal of businessman connect, the accounts information of merchant terminal and amount information are sent on consumer terminal, to be confirmed by consumer terminal and by the accounts information of merchant terminal, the accounts information of amount information and consumer terminal is uploaded to payment platform, payment is completed by payment platform direct payment, the client that whole process only needs client to use the client of oneself to press close to businessman just can connect and realize payment, whole process does not need to log in, input, checking, the step of the online payments such as confirmation, greatly simplify the step paying and collect money.
Accompanying drawing explanation
Fig. 1 is the process flow diagram of short distance induction type method of payment of the present invention.
Embodiment
Below, by reference to the accompanying drawings and embodiment, the present invention is described further:
With reference to figure 1, a kind of short distance induction type method of payment, be applied to the first client, between the second client and payment platform, first client is as the client of businessman, computing machine or intelligent mobile terminal can be used as carrier, can be also an independently device, if be independently device, can be connected with cashier's machine by the connected mode such as USB interface or serial line interface, conveniently utilize cashier's machine calculate the amount of money and the amount of money is transferred to the first client.Second client is as the client of client, and the general intelligent mobile terminal that uses is as carrier, and the first client and the second client respectively correspondence have wireless communication module, memory module and mixed-media network modules mixed-media.Wherein, the wireless communication module of two clients is the wireless communication module of identical type, and in the present embodiment, wireless communication module is preferably near-field communication module.Wireless communication module is used for the connection between two clients, memory module is used for storage accounts information, mixed-media network modules mixed-media is used for the data transmission between client and payment platform, client wherein as payer uploads accounts information and transaction request information by mixed-media network modules mixed-media, also the detail of self account can be checked, can be checked the detail of self account by mixed-media network modules mixed-media as the client of beneficiary, then such with the Alipay platform payment platform of payment platform is similar.
Method comprises the following steps:
S101: by the first client input amount information, and the wireless communication module opening correspondence launches transaction request information in wireless coverage, to wait for the connection of the second client, transaction request information comprises the accounts information of amount information and the first client.Initiate payment transaction by the first client, then the first client is as beneficiary, and amount information refers to the amount information that the second client should pay to the first client.
S102: the second client is opened corresponding wireless communication module and is entered the wireless coverage of the first client and the first client connects, and the transaction request information that automatic reception first client is launched.Now the first client is in wait connection status, and client uses the second client to enter the wireless coverage of the first client, connects with the first client.Owing to preferably selecting near-field communication module, then two clients just can be dynamically connected after mutually pressing close to certainly, just the content that sends of automatic reception first client after connection, now just has the accounts information self stored in the second client, and the accounts information of the first client and amount information.In addition, supplementing as a kind of connected mode, wireless communication module also can adopt bluetooth module to realize bluetooth connected mode, or adopts WIFI module to realize WIFI connected mode.
After S103: the first client and the second client successfully connect, the accounts information self stored and the transaction request information that receives from the first client are uploaded in payment platform by mixed-media network modules mixed-media by the second client.Wherein, owing to initiating transaction request by the first client in step above, namely as beneficiary, second client as connection one side, i.e. paying party, therefore, the accounts information of the first client just generates and carries gathering mark, the accounts information of the second client just generates and carries payment mark, and two accounts informations reach in payment platform, to represent that the account corresponding to two accounts informations in this combination is the object of this payment transaction with a combination in form.
S104: the account that payment platform is corresponding according to the accounts information coupling uploaded, and make the account of the second client to the dollar amount in the bill payment amount information of the first client.Account corresponding to accounts information is for being pre-stored within payment platform and authorizing accessible account, and therefore, payment platform is according to upload two accounts informations, as long as one of them accounts information does not match then this payment transaction failure of corresponding account.If two accounts informations all match corresponding account, then determine that account corresponding to the second client is collecting account according to the mark of carrying in two accounts informations, account corresponding to the first client is Send only Account, and amount information is sent in Send only Account, pays the corresponding amount of money by Send only Account to collecting account.
By above-mentioned method, payment transaction is initiated by the terminal of businessman, after the terminal of client and the terminal of businessman connect, the accounts information of merchant terminal and amount information are sent on consumer terminal, to be confirmed by consumer terminal and by the accounts information of merchant terminal, the accounts information of amount information and consumer terminal is uploaded to payment platform, payment is completed by payment platform direct payment, the client that whole process only needs client to use the client of oneself to press close to businessman just can connect and realize payment, whole process does not need to log in, input, checking, the step of the online payments such as confirmation, greatly simplify the step paying and collect money.
For such scheme, also to a kind of short distance induction type payment system should be had, comprise with lower module:
Transaction request module, be located in the first client, for inputting amount information, and the wireless communication module opening correspondence launches transaction request information in wireless coverage, to wait for the connection of the second client, transaction request information comprises the accounts information of amount information and the first client;
Transaction responding module, is located in the second client, enters the wireless coverage of the first client and the first client connects for opening corresponding wireless communication module, and the transaction request information that automatic reception first client is launched;
Transmission module in transaction, is located in the second client, and the transaction request information for the accounts information that self stored and reception is uploaded in payment platform by mixed-media network modules mixed-media;
To conclude the business module, be located in payment platform, for the account corresponding according to the accounts information coupling uploaded, and made the account of the second client to the dollar amount in the bill payment amount information of the first client.
Further, the accounts information of the first client carries gathering mark, and the accounts information of the second client carries payment mark.
Further, complete in module in transaction, account corresponding to accounts information is for being pre-stored within payment platform and authorizing accessible account.
Further, the wireless communication module of the first client and the wireless communication module of the second client are near-field communication module or bluetooth module.
To one skilled in the art, according to technical scheme described above and design, other various corresponding change and deformation can be made, and all these change and deformation all should belong within the protection domain of the claims in the present invention.
Claims (8)
1. a short distance induction type method of payment, is characterized in that, is applied to the first client, between the second client and payment platform, comprises the following steps:
S101: by the first client input amount information, and the wireless communication module opening correspondence launches transaction request information in wireless coverage, to wait for the connection of the second client, transaction request information comprises the accounts information of amount information and the first client;
S102: the second client is opened corresponding wireless communication module and is entered the wireless coverage of the first client and the first client connects, and the transaction request information that automatic reception first client is launched;
The transaction request information of the accounts information self stored and reception is uploaded in payment platform by mixed-media network modules mixed-media by the S103: the second client;
S104: the account that payment platform is corresponding according to the accounts information coupling uploaded, and make the account of the second client to the dollar amount in the bill payment amount information of the first client.
2. short distance induction type method of payment according to claim 1, is characterized in that, the accounts information of the first client carries gathering mark, and the accounts information of the second client carries payment mark.
3. short distance induction type method of payment according to claim 1, is characterized in that, in S104, account corresponding to accounts information is for being pre-stored within payment platform and authorizing accessible account.
4. short distance induction type method of payment according to claim 1, is characterized in that, the wireless communication module of the first client and the wireless communication module of the second client are near-field communication module or bluetooth module or WIFI module.
5. a short distance induction type payment system, is characterized in that, is applied to the first client, between the second client and payment platform, comprises with lower module:
Transaction request module, be located in the first client, for inputting amount information, and the wireless communication module opening correspondence launches transaction request information in wireless coverage, to wait for the connection of the second client, transaction request information comprises the accounts information of amount information and the first client;
Transaction responding module, is located in the second client, enters the wireless coverage of the first client and the first client connects for opening corresponding wireless communication module, and the transaction request information that automatic reception first client is launched;
Transmission module in transaction, is located in the second client, and the transaction request information for the accounts information that self stored and reception is uploaded in payment platform by mixed-media network modules mixed-media;
To conclude the business module, be located in payment platform, for the account corresponding according to the accounts information coupling uploaded, and made the account of the second client to the dollar amount in the bill payment amount information of the first client.
6. short distance induction type payment system according to claim 5, is characterized in that, the accounts information of the first client carries gathering mark, and the accounts information of the second client carries payment mark.
7. short distance induction type payment system according to claim 5, is characterized in that, complete in module in transaction, and account corresponding to accounts information is for being pre-stored within payment platform and authorizing accessible account.
8. short distance induction type payment system according to claim 5, is characterized in that, the wireless communication module of the first client and the wireless communication module of the second client are near-field communication module or bluetooth module or WIFI module.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201410831349.XA CN104537533A (en) | 2014-12-25 | 2014-12-25 | Short distance induction type payment method and system |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201410831349.XA CN104537533A (en) | 2014-12-25 | 2014-12-25 | Short distance induction type payment method and system |
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| CN104537533A true CN104537533A (en) | 2015-04-22 |
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| CN201410831349.XA Pending CN104537533A (en) | 2014-12-25 | 2014-12-25 | Short distance induction type payment method and system |
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| CN104978657A (en) * | 2015-06-09 | 2015-10-14 | 惠州Tcl移动通信有限公司 | Wireless payment method and wireless payment system |
| WO2017041722A1 (en) * | 2015-09-09 | 2017-03-16 | 腾讯科技（深圳）有限公司 | Data processing method, apparatus and system |
| CN108140185A (en) * | 2015-12-07 | 2018-06-08 | 谷歌有限责任公司 | Wireless signal forwards |
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Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN104766236A (en) * | 2015-04-24 | 2015-07-08 | 苏州海博智能系统有限公司 | Transaction method, system and server based on external safety equipment |
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Application publication date: 20150422 |
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