CN104574064A - Mobile phone payment method and system for prompting pre-authorized electronic bill - Google Patents
Mobile phone payment method and system for prompting pre-authorized electronic bill Download PDFInfo
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- CN104574064A CN104574064A CN201510038732.4A CN201510038732A CN104574064A CN 104574064 A CN104574064 A CN 104574064A CN 201510038732 A CN201510038732 A CN 201510038732A CN 104574064 A CN104574064 A CN 104574064A
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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
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
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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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3678—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes e-cash details, e.g. blinded, divisible or detecting double spending
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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
- G06Q20/387—Payment using discounts or coupons
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Abstract
The invention belongs to the field of mobile phone payment and provides a mobile phone payment method and system for prompting a pre-authorized electronic bill. When a user needs to pay the bill, a mobile phone is connected with a consumption terminal automatically after the user starts a mobile phone payment client side; whenever a cashier scans a commodity, the commodity can be displayed on the mobile phone side of the user synchronously, and therefore the user can check commodity details in real time; after scanning is finished, the cashier does not need to make a confirmation, the user can make a confirmation and pay the bill directly through the mobile phone side, the operation procedure is simple, and disclosure of user information is avoided; moreover, the commodity details of shopping of each time are saved in the mobile phone, can serve as evidence for shopping on one hand, and can be checked by the user at any time on the other hand.
Description
Technical field
The invention belongs to Mobile-Payment Technology field, particularly relate to a kind of hand set paying method and system of pre-authorization electronic bill presentment.
Background technology
Current mobile-phone payment is seen everywhere in daily life, such as supermarket, milk products point, bakery etc.General method of payment process is as follows: user's free choice of goods is to businessman's cashier counter checkout, each commodity in cashier's scanning, on the display interface of consumption terminal, demonstrate extensive stock detail simultaneously, after scanning completes, consumption total value can be demonstrated, then user opens the Quick Response Code on Mobile phone payment client, and cashier is scanned described Quick Response Code and completed payment, and user mobile phone completes spending amount deduction.This modes of payments has inconvenience:
First, generally, the display screen distance users of consumption terminal is comparatively far away, and it is detailed that user is difficult to see concrete commodity clearly, the price of unclear every part commodity; Secondly, also need user to open the payment Quick Response Code of payment client terminal, other staff also can scan the payment Quick Response Code of user by scanister, easily cause information leakage; 3rd, whole flow operations is complicated, needs cashier and user repeatedly mutual back and forth, to confirm to pay.
Summary of the invention
In view of the above problems, the object of the present invention is to provide a kind of hand set paying method of pre-authorization electronic bill presentment, be intended to solve existing hand set paying method user and do not see that concrete commodity are detailed, user profile is easily revealed, the technical matters of complicated operation.
On the one hand, the hand set paying method of described pre-authorization electronic bill presentment comprises the steps:
When after the payment client terminal in starting hand-set, send connection request to consumption terminal, described connection request comprises the identity information of payment client terminal;
After consumption terminal receives described connection request, obtain identity information wherein, and described identity information is sent to background server;
Described background server carries out authentication to the identity information be currently received, and is verified backward described consumption terminal and returns connection confirmation instruction;
Described consumption terminal is set up network with described mobile phone after receiving and connecting confirmation instruction and is connected;
Consumption terminal starts to scan the required merchandise news buying commodity of client one by one, and the merchandise news got is sent to described mobile phone;
After mobile phone receives merchandise news, in display interface, demonstrate each bar merchandise news in real time;
After mobile phone receives payment affirmation instruction, carry out Information Authentication to client, after being verified, from the stored value card payment client terminal, the corresponding spending amount of corresponding deduction completes payment, preserves the commodity detail record of current consumption simultaneously;
After payment completes, described mobile phone sends payment to described consumption terminal and completes instruction.
On the other hand, the hand call payment system of described pre-authorization electronic bill presentment, comprises mobile phone, consumption terminal and background server, and described consumption terminal is connected with described mobile phone wireless, and described consumption terminal is connected with described background server is wired or wireless, wherein,
Described mobile phone is used for sending connection request to described consumption terminal, and described connection request comprises the identity information of payment client terminal; And for after receiving the merchandise news coming from consumption terminal transmission, in display interface, demonstrate each bar merchandise news in real time; Also for after receiving payment affirmation instruction, carry out Information Authentication to client, after being verified, from the stored value card payment client terminal, the corresponding spending amount of corresponding deduction completes payment, preserves the commodity detail record of current consumption simultaneously; After payment completes, described mobile phone sends payment to described consumption terminal and completes instruction;
Described identity information for obtaining identity information wherein after receiving described connection request, and is sent to described background server by described consumption terminal; And after confirming instruction for connecing of receiving that background server returns, set up network with described mobile phone and be connected; Also for scanning the merchandise news buying commodity needed for client one by one, and the merchandise news got is sent to described mobile phone;
Described background server is used for carrying out authentication to the identity information be currently received, and is verified backward described consumption terminal and returns connection confirmation instruction.
The invention has the beneficial effects as follows: in the present invention, when needs are settled accounts, after user's starting hand-set payment client terminal, mobile phone is connected with consumption terminal automatically; After cashier scans commodity, can in the mobile phone terminal simultaneous display of user out, such user can real time inspection commodity detailed; After scanning completes, confirm without the need to cashier, user directly can confirm to pay at mobile phone terminal, and operating process is simple, and can not expose user profile; And the commodity detail of each shopping is all kept in mobile phone, and user can check at any time.
Accompanying drawing explanation
Fig. 1 is the interaction diagrams of the hand set paying method of the pre-authorization electronic bill presentment that first embodiment of the invention provides;
Fig. 2 is the structural drawing of the hand call payment system of the pre-authorization electronic bill presentment that second embodiment of the invention provides.
Embodiment
In order to make object of the present invention, technical scheme and advantage clearly understand, below in conjunction with drawings and Examples, the present invention is further elaborated.Should be appreciated that specific embodiment described herein only in order to explain the present invention, be not intended to limit the present invention.
In order to technical solutions according to the invention are described, be described below by specific embodiment.
embodiment one:
Fig. 1 shows the interaction flow of the hand set paying method of the pre-authorization electronic bill presentment that the embodiment of the present invention provides, and illustrate only the part relevant to the embodiment of the present invention for convenience of explanation.
As shown in Figure 1, the present embodiment method comprises the steps:
Step S101, when after the payment client terminal in starting hand-set, send connection request to consumption terminal, described connection request comprises the identity information of payment client terminal.
Be provided with payment client terminal in user mobile phone, the binding of this payment client terminal has mobile-phone payment function.Also preserve the log-on message of user in each businessman in payment client terminal, namely before realizing the present invention, user carries out registering and signing related protocol in businessman, authorizes businessman to deduct fees.
When user is after businessman completes shopping, commodity are taken to checkout stand.When taking turns to user and settling accounts, the payment client terminal in user's starting hand-set, sends connection request to consumption terminal, and described connection request comprises the identity information of payment client terminal.As a kind of specific implementation, described identity information comprises Business Information byte, customer name byte, phone number byte, random check byte, and described random check byte is obtained by hash algorithm by described phone number byte, Business Information byte and current time.
Step S102, after consumption terminal receives described connection request, obtain identity information wherein, and described identity information is sent to background server.
When consumption terminal at one's leisure, after namely processing the consumption of a client, opening network linkage function, receives the connection request that next cellphone subscriber sends.Or when cashier learns that active user needs to use mobile-phone payment, opening network linkage function, to receive the connection request that cellphone subscriber sends, and obtains identity information wherein, then described identity information is sent to background server.
Step S103, described background server carry out authentication to the identity information be currently received, and are verified backward described consumption terminal and return connection confirmation instruction.
Described background server is merchant system runtime server, is connected, comprises wired or wireless mode with described consumption terminal network.Described background server carries out authentication to the identity information be currently received, first customer name byte and phone number byte is verified, random check byte is obtained again when consistent, obtaining phone number byte by Hash anti-inference method, Business Information byte is verified again, returning connection confirmation instruction when being verified backward described consumption terminal.
Step S104, described consumption terminal are set up network with described mobile phone after receiving and connecting confirmation instruction and are connected.
Here not limitting concrete internetwork connection mode, can be that WiFi connects or bluetooth connects etc.
Step S105, consumption terminal start to scan the required merchandise news buying commodity of client one by one, and the merchandise news got is sent to described mobile phone.
After having connected, cashier, by the scanister items scanning bar code of consumption terminal, the display screen of consumption terminal demonstrates merchandise news, described merchandise news is sent to the mobile phone of current connection simultaneously.
As preferably, businessman can also divide for user carries out registration according to the customer consumption amount of money or other conditions, different customer grades has different preferential termss, after completing connection, first consumption terminal obtains the customer grade of client according to described identity information, obtain corresponding preferential terms according to described customer grade; Then consumption terminal starts to scan the required merchandise news buying commodity of client one by one, and in conjunction with merchandise news described in corresponding preferential terms process, such as different brackets user to the different price rebate of commodity, then the merchandise news got is sent to described mobile phone.
Step S106, after mobile phone receives merchandise news, in display interface, demonstrate each bar merchandise news in real time.
After cashier scans commodity, the display interface of mobile phone of user demonstrates each bar merchandise news in real time, comprise trade name, price, date of manufacture, raw material composition etc.Such user only need see that the mobile phone of oneself can know the relevant information of each commodity oneself bought.
If businessman also non-user specifies integration mechanism, user can to discount shopping with total mark of consumption.The integration situation that payment client terminal interface can demonstrate active user and the button of whether discounting, after user puts and confirms that integration discounts, mobile phone sends integration to consumption terminal and to discount instruction, the current consumption amount of money is deducted the amount of money that client's integration is discounted by consumption terminal, obtain the final consumption amount of money, and the described final consumption amount of money and relevant information are sent to described mobile phone, to show in real time on mobile phone.
Step S107, after mobile phone receives payment affirmation instruction, carry out Information Authentication to client, after being verified, from the stored value card payment client terminal, the corresponding spending amount of corresponding deduction completes payment, preserves the commodity detail record of current consumption simultaneously.
Step S108, paid after, described mobile phone sends payment to described consumption terminal and completes instruction.
After scanning completes, it is detailed that user browses overall commodity, after confirmation is errorless, click the payment button on payment client terminal, because payment client terminal is authorized current trade company, user carries out Information Authentication to client after clicking and paying button, after being verified, from the stored value card payment client terminal, the corresponding spending amount of corresponding deduction completes payment, preserves the commodity detail record of current consumption simultaneously.If there is integration mechanism, after having paid, consumption terminal has automatically converted spending amount to integration and has been sent to background server, and background server adds up user integral preserving.
Here, the commodity detail record of preservation on the one hand can as proof of purchase, and businessman need not open shopping detail form, saves time cost, when quality problems appear in commodity, with commodity detail contact businessman after sale, can eliminate user and preserve this process of bill; On the other hand, when user again come businessman do shopping time, user can the previous shopping record of real time inspection, checks the price previously buying commodity, for this shopping makes reference.
Consider the security paid at Mobile phone payment client one key, before carrying out payment and withholing, also need to carry out head portrait checking at mobile phone terminal, first after mobile phone receives payment affirmation instruction, starting hand-set camera obtains client's face-image; Then the face-image obtained and the local original image preserved are compared, obtain image similarity; When similarity is greater than 80%, customer information is verified; When similarity is less than 50%, customer information authentication failed, cannot carry out subsequent transaction, needs again to obtain face-image; When similarity is between 50%-80%, described face-image is sent to consumption terminal; The face-image received is forwarded to background server by described consumption terminal; Described face-image and the local client's head portrait preserved are compared by described background server; When similarity is greater than 80%, sends and be verified instruction, and be forwarded to described mobile phone by described consumption terminal; After mobile phone receives and is verified instruction, open fingerprint identification module and obtain client's fingerprint; When the finger print information obtained is consistent with the fingerprint that this locality is preserved, customer information is verified; Only have when being verified, just from the stored value card payment client terminal, the corresponding spending amount of corresponding deduction completes payment; Finally preserve the commodity detail record of current consumption.
In this optimal way, carrying out payment verification by obtaining face-image, ensure that payment safety.Consuming time longer owing to obtaining face-image, during existing head portrait checking, only have by with not by two kinds of situations, specifically differentiate with the similarity of the local original image preserved according to the face-image of current acquisition, because people are when difference, consider the factors such as ambient lighting, user's expression and age, the original image difference that the face-image of current user may be preserved with this locality is comparatively large, easily will cause erroneous judgement like this; Need again to obtain user's face image, not only consuming time but also add uncertain factor.In this optimal way, image authentication is divided into three kinds of situations, when similarity is greater than 80%, customer information is verified; When similarity is less than 50%, customer information authentication failed; When similarity is between 50%-80%, face-image is sent to background server by consumption terminal, owing to also preserving client's head portrait when user registers in background server, client's head portrait of current face-image and preservation is compared by background server, when similarity is greater than 80%, send and be verified instruction, and be forwarded to described mobile phone by described consumption terminal; After mobile phone receives and is verified instruction, then carry out fingerprint recognition, customer information is verified, the more corresponding spending amount of corresponding deduction completes payment from the stored value card payment client terminal.Like this when the similarity of face-image is only between 50%-80%, also being verified by customer information by background server checking and mobile phone terminal fingerprint recognition, without the need to again obtaining user's face image, ensureing that security simultaneously, decreases the payment verification time.
embodiment two:
Fig. 2 shows the structure of the hand call payment system of the pre-authorization electronic bill presentment that the embodiment of the present invention provides, and illustrate only the part relevant to the embodiment of the present invention for convenience of explanation.
The hand call payment system of the pre-authorization electronic bill presentment that the present embodiment provides comprises mobile phone 1, consumption terminal 2 and background server 3, and described consumption terminal 2 and the wireless connections of described mobile phone 1, described consumption terminal 2 is connected with described background server 3 is wired or wireless.
Wherein, described mobile phone 1 is for sending connection request to described consumption terminal, and described connection request comprises the identity information of payment client terminal; And for after receiving the merchandise news coming from consumption terminal transmission, in display interface, demonstrate each bar merchandise news in real time; Also for after receiving payment affirmation instruction, carry out Information Authentication to client, after being verified, from the stored value card payment client terminal, the corresponding spending amount of corresponding deduction completes payment, preserves the commodity detail record of current consumption simultaneously; After payment completes, described mobile phone sends payment to described consumption terminal and completes instruction;
Described identity information for obtaining identity information wherein after receiving described connection request, and is sent to described background server by described consumption terminal 2; And after confirming instruction for connecing of receiving that background server returns, set up network with described mobile phone and be connected; Also for scanning the merchandise news buying commodity needed for client one by one, and the merchandise news got is sent to described mobile phone;
Described background server 3, for carrying out authentication to the identity information be currently received, is verified backward described consumption terminal and returns connection confirmation instruction.
In this enforcement, the function correspondence of described mobile phone 1, consumption terminal 2 and background server 3 achieves each a kind of step of embodiment, repeats no more here.
Be further used as a kind of preferred implementation, according to the different customer grades of user, different preference scheme can also be realized, corresponding, described consumption terminal 2 comprises:
Condition acquisition module, user and the customer grade first obtaining client according to described identity information, obtain corresponding preferential terms according to described customer grade;
Scanning sending module, scans for starting the merchandise news buying commodity needed for client one by one, and in conjunction with merchandise news described in described preferential terms process, then the merchandise news got is sent to described mobile phone.
Be further used as a kind of preferred implementation, can also carry out according to the integration of user consumption of discounting, corresponding, described consumption terminal 2 also comprises:
Integration is discounted module, for discounting after instruction when receiving integration, the current consumption amount of money being deducted the amount of money that client's integration is discounted, obtaining the final consumption amount of money, and the described final consumption amount of money and relevant information are sent to described mobile phone, to show in real time on mobile phone.
In addition, in order to safety of guaranteeing payment, described mobile phone comprises:
Image collection module, after receiving payment affirmation instruction, starting hand-set camera obtains client's face-image; Then the face-image obtained and the local original image preserved are compared, obtain image similarity, when similarity is greater than 80%, customer information is verified, when similarity is less than 50%, and customer information authentication failed, subsequent transaction cannot be carried out, when similarity is between 50%-80%, described face-image is sent to consumption terminal, to make described consumption terminal, described face-image is forwarded to background server;
Fingerprint authentication module, after receiving and being verified instruction, opens fingerprint identification module and obtains client's fingerprint, and when the finger print information obtained is consistent with the local fingerprint preserved, customer information is verified;
Expenditure module, for after being verified from the stored value card payment client terminal the corresponding spending amount of corresponding deduction complete payment, then preserve the commodity detail record of current consumption.
Described background server comprises:
Analyze judge module, for described face-image and the local client's head portrait preserved are compared, when similarity is greater than 80%, sends and be verified instruction, and be forwarded to described mobile phone by described consumption terminal.
The foregoing is only preferred embodiment of the present invention, not in order to limit the present invention, all any amendments done within the spirit and principles in the present invention, equivalent replacement and improvement etc., all should be included within protection scope of the present invention.
Claims (9)
1. the hand set paying method of pre-authorization electronic bill presentment and a system, it is characterized in that, described method comprises:
When after the payment client terminal in starting hand-set, send connection request to consumption terminal, described connection request comprises the identity information of payment client terminal;
After consumption terminal receives described connection request, obtain identity information wherein, and described identity information is sent to background server;
Described background server carries out authentication to the identity information be currently received, and is verified backward described consumption terminal and returns connection confirmation instruction;
Described consumption terminal is set up network with described mobile phone after receiving and connecting confirmation instruction and is connected;
Consumption terminal starts to scan the required merchandise news buying commodity of client one by one, and the merchandise news got is sent to described mobile phone;
After mobile phone receives merchandise news, in display interface, demonstrate each bar merchandise news in real time;
After mobile phone receives payment affirmation instruction, carry out Information Authentication to client, after being verified, from the stored value card payment client terminal, the corresponding spending amount of corresponding deduction completes payment, preserves the commodity detail record of current consumption simultaneously;
After payment completes, described mobile phone sends payment to described consumption terminal and completes instruction.
2. method as claimed in claim 1, is characterized in that, start to scan the merchandise news buying commodity needed for client one by one at described consumption terminal, and the merchandise news got is sent described mobile phone step, specifically comprise:
First consumption terminal obtains the customer grade of client according to described identity information, obtain corresponding preferential terms according to described customer grade;
Consumption terminal starts to scan the required merchandise news buying commodity of client one by one, and in conjunction with merchandise news described in described preferential terms process, then the merchandise news got is sent to described mobile phone.
3. method as claimed in claim 2, is characterized in that, described after mobile phone receives merchandise news, after demonstrating each bar merchandise news step in real time, also comprises in display interface:
Discount after instruction when consumption terminal receives integration, the current consumption amount of money is deducted the amount of money that client's integration is discounted, obtain the final consumption amount of money, and the described final consumption amount of money and relevant information are sent to described mobile phone, to show in real time on mobile phone.
4. method as claimed in claim 2, it is characterized in that, it is described after mobile phone receives payment affirmation instruction, Information Authentication is carried out to client, after being verified, from the stored value card payment client terminal, the corresponding spending amount of corresponding deduction completes payment, preserve the commodity detail record step of current consumption simultaneously, specifically comprise:
After mobile phone receives payment affirmation instruction, starting hand-set camera obtains client's face-image;
The face-image obtained and the local original image preserved are compared, obtains image similarity;
When similarity is greater than 80%, customer information is verified;
When similarity is less than 50%, customer information authentication failed, cannot carry out subsequent transaction;
When similarity is between 50%-80%, described face-image is sent to consumption terminal;
The face-image received is forwarded to background server by described consumption terminal;
Described face-image and the local client's head portrait preserved are compared by described background server;
When similarity is greater than 80%, sends and be verified instruction, and be forwarded to described mobile phone by described consumption terminal;
After mobile phone receives and is verified instruction, open fingerprint identification module and obtain client's fingerprint;
When the finger print information obtained is consistent with the fingerprint that this locality is preserved, customer information is verified;
After being verified, from the stored value card payment client terminal, the corresponding spending amount of corresponding deduction completes payment;
Preserve the commodity detail record of current consumption.
5. method as described in any one of claim 1-4, it is characterized in that, described identity information comprises Business Information byte, customer name byte, phone number byte, random check byte, and described random check byte is obtained by hash algorithm by described phone number byte, Business Information byte and current time; Described background server carries out authentication to the identity information be currently received, first customer name byte and phone number byte is verified, random check byte is obtained again when consistent, obtaining phone number byte by Hash anti-inference method, Business Information byte is verified again, returning connection confirmation instruction when being verified backward described consumption terminal.
6. a hand call payment system for pre-authorization electronic bill presentment, is characterized in that, described system comprises mobile phone, consumption terminal and background server, described consumption terminal is connected with described mobile phone wireless, described consumption terminal is connected with described background server is wired or wireless, wherein
Described mobile phone is used for sending connection request to described consumption terminal, and described connection request comprises the identity information of payment client terminal; And for after receiving the merchandise news coming from consumption terminal transmission, in display interface, demonstrate each bar merchandise news in real time; Also for after receiving payment affirmation instruction, carry out Information Authentication to client, after being verified, from the stored value card payment client terminal, the corresponding spending amount of corresponding deduction completes payment, preserves the commodity detail record of current consumption simultaneously; After payment completes, described mobile phone sends payment to described consumption terminal and completes instruction;
Described identity information for obtaining identity information wherein after receiving described connection request, and is sent to described background server by described consumption terminal; And after confirming instruction for connecing of receiving that background server returns, set up network with described mobile phone and be connected; Also for scanning the merchandise news buying commodity needed for client one by one, and the merchandise news got is sent to described mobile phone;
Described background server is used for carrying out authentication to the identity information be currently received, and is verified backward described consumption terminal and returns connection confirmation instruction.
7. system as claimed in claim 6, it is characterized in that, described consumption terminal comprises:
Condition acquisition module, user and the customer grade first obtaining client according to described identity information, obtain corresponding preferential terms according to described customer grade;
Scanning sending module, scans for starting the merchandise news buying commodity needed for client one by one, and in conjunction with merchandise news described in described preferential terms process, then the merchandise news got is sent to described mobile phone.
8. system as claimed in claim 7, it is characterized in that, described consumption terminal also comprises:
Integration is discounted module, for discounting after instruction when receiving integration, the current consumption amount of money being deducted the amount of money that client's integration is discounted, obtaining the final consumption amount of money, and the described final consumption amount of money and relevant information are sent to described mobile phone, to show in real time on mobile phone.
9. system as claimed in claim 6, is characterized in that:
Described mobile phone comprises:
Image collection module, after receiving payment affirmation instruction, starting hand-set camera obtains client's face-image; Then the face-image obtained and the local original image preserved are compared, obtain image similarity, when similarity is greater than 80%, customer information is verified, when similarity is less than 50%, and customer information authentication failed, subsequent transaction cannot be carried out, when similarity is between 50%-80%, described face-image is sent to consumption terminal, to make described consumption terminal, described face-image is forwarded to background server;
Fingerprint authentication module, after receiving and being verified instruction, opens fingerprint identification module and obtains client's fingerprint, and when the finger print information obtained is consistent with the local fingerprint preserved, customer information is verified;
Expenditure module, for after being verified from the stored value card payment client terminal the corresponding spending amount of corresponding deduction complete payment, then preserve the commodity detail record of current consumption;
Described background server comprises:
Analyze judge module, for described face-image and the local client's head portrait preserved are compared, when similarity is greater than 80%, sends and be verified instruction, and be forwarded to described mobile phone by described consumption terminal.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201510038732.4A CN104574064A (en) | 2015-01-26 | 2015-01-26 | Mobile phone payment method and system for prompting pre-authorized electronic bill |
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| CN201510038732.4A CN104574064A (en) | 2015-01-26 | 2015-01-26 | Mobile phone payment method and system for prompting pre-authorized electronic bill |
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Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105427107A (en) * | 2015-11-03 | 2016-03-23 | 中国联合网络通信集团有限公司 | Payment method and device based on intelligent glasses |
| CN107203882A (en) * | 2016-03-17 | 2017-09-26 | 阿里巴巴集团控股有限公司 | A kind of method and device of business processing |
| CN107526802A (en) * | 2017-08-21 | 2017-12-29 | 惠州Tcl移动通信有限公司 | A kind of method, storage medium and the mobile terminal of bill automatic clustering |
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