CN104751329A - Mobile payment terminal, mobile payment system and mobile payment method - Google Patents
Mobile payment terminal, mobile payment system and mobile payment method Download PDFInfo
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- CN104751329A CN104751329A CN201510092466.3A CN201510092466A CN104751329A CN 104751329 A CN104751329 A CN 104751329A CN 201510092466 A CN201510092466 A CN 201510092466A CN 104751329 A CN104751329 A CN 104751329A
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Abstract
The invention provides a mobile payment terminal, a mobile payment system and a mobile payment method. The mobile payment method includes the steps of firstly, setting the payment quota for a security unit in the mobile payment terminal; secondly, judging whether the payment amount of current payment request information exceeds the payment quota or not when receiving the payment request information, and executing the payment operation or refusing to conduct payment processing. When the mobile payment terminal, the mobile payment system and the mobile payment method are applied, a consumer can set the payment quota according to the consumption habits of the consumer, the risk that extra money is paid on purpose or intentionally on a POS side is avoided, the safety of mobile payment is ensured, and the economic loss of the consumer is effectively reduced.
Description
Technical field
The present invention relates to communication technical field, particularly relate to a kind of Mobile payment terminal, mobile-payment system and method for mobile payment.
Background technology
Along with the progress of science and technology, financial payment technology moves towards contactless from contact gradually, from transaction invisible move towards conclude the business visual.Existing payment technology mainly contains magnetic stripe card technology, contact or non-contact ID-1 type IC-card technology, and based on the contactless payment technologies of mobile terminal (such as mobile phone).Magnetic stripe card solves cash and carries inconvenient problem, but is easily replicated due to the magnetic strip information of magnetic stripe card, therefore transaction security is very low.Contact or non-contact ID-1 type IC-card, such as CPU card, Mifare card etc., be integrated with chip, can carry out calculation process in its IC-card, comprises encryption, deciphering etc., compared to magnetic stripe card, substantially increase transaction security.But there is an identical defect in IC-card and magnetic stripe card, namely Transaction Information is invisible.Based on the contactless payment technologies of mobile terminal, contactless payment technologies is combined with mobile terminal, realize near field to pay and remote payment simultaneously, for account balance, dealing money and detail can be inquired about on mobile terminals, Password Input when also directly can carry out password setting, amendment on mobile terminals and conclude the business.Thus, enhance the degree of control of user to Transaction Information.Typical technical scheme has SIMPASS, NFC (Near Field Communication, close range wireless communication) and 2.4GHz RFID-SIM/SD technology.
In existing mobile payment application, be particularly similar to mass transit card, dinning card, eight reach logical grade in the small amount payment application of electronic cash class, and the amount of money of consumption is at every turn determined by POS side, and consumer many times can only lean on naked eyes to confirm easily.
Under current this technology mechanism, have individual to the very disadvantageous security breaches of consumer: be not intended to when POS end or have a mind to input the amount of money or radix point by mistake, and consumer due to small amount payment often do not note confirm time, the situation of deducting fees will be produced more, bring economic loss to consumer.Further, even if perceiving the situation of deducting fees afterwards, then carry out proof and right-safeguarding is also difficult more.
Summary of the invention
The object of the present invention is to provide a kind of Mobile payment terminal, mobile-payment system and method for mobile payment, solve the security breaches of existing electronic cash class mobile payment mechanism.
The object of the invention is to be achieved through the following technical solutions.
A kind of Mobile payment terminal, comprising: mobile payment mobile phone applications client, NFC module and safe unit;
Described mobile payment mobile phone applications client, for arranging payment limit to TSM server request, passes to safe unit in the order paying limit that arranges returned by TSM server after confirming through NFC module; Or directly produce the order arranging and pay limit and this order is passed to safe unit through NFC module;
Described NFC module, for passing to safe unit by the order paying limit that arranges from mobile payment mobile phone applications client; Also for receiving wireless signal that transaction sends side and being passed to safe unit; Simultaneously also for the return message of safe unit is sent to transaction opposite end by wireless signal.
Described safe unit, for communicating with NFC module, reception arranges the order of payment limit and performs; Also pay or refusal to pay for receiving to pay request command and carry out decision-making execution according to the limit preset.
Wherein, also comprise:
Reminding unit, for judge at described safe unit the current payment request amount of money exceed pay limit time, carrying out payment according to the alarm mode preset transfinites alarm;
Described safe unit, when paying limit for exceeding at the current payment request amount of money, directly refusing to pay and the failed confirmation of payment is returned to NFC module; Notify that NFC module is to reminding unit alarm simultaneously;
Described NFC module, for when receiving the excess disbursement alarm notification that safe unit is sent, reminder announced unit carries out alarm to user.
A kind of mobile-payment system, comprising: Mobile payment terminal, TSM server and exterior terminal;
Described Mobile payment terminal, as mentioned above, send by the safe unit of request TSM server in this terminal the order arranging and pay limit, or directly produced by mobile payment mobile phone applications client and send the order arranging and pay limit to safe unit; For payment information mutual with exterior terminal, realize mobile payment function;
Described TSM server, for providing the download of electronic cash card and open-minded for Mobile payment terminal, through mobile payment mobile phone applications client, the order of the payment limit arranging this electronic cash card is sent in the safe unit in Mobile payment terminal when receiving the solicited message of Mobile payment terminal;
Described exterior terminal, for sending payment request information to described Mobile payment terminal and receiving its payment information returned.
A kind of method of mobile payment, is applied to Mobile payment terminal, comprises step:
(1) to the safe unit transmission in Mobile payment terminal, the order of payment limit is set to arrange payment limit;
(2) when receiving payment request information, first judge whether the payment of current payment request information exceeds payment limit, then perform delivery operation or refusal to pay process accordingly.
Wherein, described step (1) comprises further:
Mobile payment mobile phone applications client in described Mobile payment terminal sends the solicited message arranging and pay limit to TSM server;
Described TSM server confirms to arrange payment limit information to mobile payment mobile phone applications client, returns through the order arranging payment limit of encryption to it;
The order that what TSM server returned by described mobile payment mobile phone applications client arranged pays limit passes to safe unit to arrange payment limit.
Wherein, described step (1) comprises further: the mobile payment mobile phone applications client in described Mobile payment terminal directly generates to arrange and pays the order of limit, and this is arranged and pay limit order and pass to safe unit to arrange payment limit.
Wherein, also comprising: when judging that the payment of current payment request information exceeds payment limit, adopting the alarm mode preset to user's alarm.
Wherein, described step (2) comprises further: judge the payment of current payment request information exceed pay limit time, while user's alarm externally terminal send refusal to pay information.
Wherein, described step (2) comprises further: when judging that the payment of current payment request information exceeds payment limit, first to user's alarm, if user agrees to pay, then performs corresponding delivery operation according to current payment request information; If user does not agree to pay, then externally terminal sends refusal to pay information.
Wherein, described alarm mode comprises: information, voice or vibration.
Compared with prior art, the present invention's embodiment of the present invention has the following advantages:
The application embodiment of the present invention, consumer can pay limit according to the consumption habit sets itself of oneself, avoids the intentional or unintentional risk of deducting fees in POS side more, ensure that the security of mobile payment, effectively reduce the economic loss of consumer.
Accompanying drawing explanation
Fig. 1 is the structured flowchart of existing mobile terminal;
Fig. 2 is can the block diagram of wireless communication system of mobile terminal shown in service chart 1;
Fig. 3 is the structured flowchart of Mobile payment terminal in the embodiment of the present invention one;
Fig. 4 is mobile-payment system structural drawing in the embodiment of the present invention one;
Fig. 5 is method of mobile payment process flow diagram in the embodiment of the present invention one;
Fig. 6 is the structured flowchart of Mobile payment terminal in the embodiment of the present invention two;
Fig. 7 pays limit method to set up process flow diagram in the embodiment of the present invention two;
Fig. 8 is method of mobile payment process flow diagram in the embodiment of the present invention three.
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.
Mobile terminal can be implemented in a variety of manners.Such as, the terminal described in the present invention can comprise the such as mobile terminal of mobile phone, smart phone, notebook computer, digit broadcasting receiver, PDA (personal digital assistant), PMP (portable media player), guider etc. and the fixed terminal of such as digital TV, desk-top computer etc.Below, suppose that terminal is mobile terminal.But it will be appreciated by those skilled in the art that except the element except being used in particular for mobile object, structure according to the embodiment of the present invention also can be applied to the terminal of fixed type.
Fig. 1 is the block diagram of the mobile terminal that the embodiment of the present invention is correlated with.
Mobile terminal 100 can comprise wireless communication unit 110, A/V (audio/video) input block 120, user input unit 130, output unit 140, storer 150, interface unit 160, controller 170 and power supply unit 180 etc.Fig. 1 shows the mobile terminal with various assembly, it should be understood that, does not require to implement all assemblies illustrated.Can alternatively implement more or less assembly.
Will be discussed in more detail below the element of mobile terminal.
Wireless communication unit 110 generally includes one or more assembly, and it allows mobile terminal 100 and the wireless communication of mobile terminal between wireless communication system wherein or network.Such as, wireless communication unit can comprise mobile communication module 111.
Radio signal is sent at least one in base station (such as, access point, Node B etc.), exterior terminal and server and/or receives radio signals from it by mobile communication module 111.Various types of data that such radio signal can comprise voice call signal, video calling signal or send according to text and/or Multimedia Message and/or receive.
A/V input block 120 is constructed to audio reception or vision signal.A/V input block 120 can comprise camera 121 and microphone 122.The view data of camera 121 to the static images obtained by image capture apparatus in Video Capture pattern or image capture mode or video processes.Picture frame after process may be displayed on display unit 141.
The picture frame processed by camera 121 can be stored in storer 150 (or other storage medium) or via wireless communication unit 110 and send.Two or more cameras 121 can be provided according to the structure of mobile terminal.
Such acoustic processing can via microphones sound (voice data) in telephone calling model, logging mode, speech recognition mode etc., and can be voice data by microphone 122.Audio frequency (voice) data after process can be converted to the formatted output that can be sent to mobile communication base station via mobile communication module 112 when telephone calling model.Microphone 122 can be implemented various types of noise and eliminate (or suppress) algorithm and receiving and sending to eliminate (or suppression) noise or interference that produce in the process of sound signal.
User input unit 130 can generate key input data to control the various operations of mobile terminal according to the order of user's input.User input unit 130 allows user to input various types of information, and keyboard, the young sheet of pot, touch pad (such as, detecting the touch-sensitive assembly of the change of the resistance, pressure, electric capacity etc. that cause owing to being touched), roller, rocking bar etc. can be comprised.Especially, when touch pad is superimposed upon on display unit 141 as a layer, touch-screen can be formed.
Interface unit 160 is used as at least one external device (ED) and is connected the interface that can pass through with mobile terminal 100.Such as, external device (ED) can comprise wired or wireless head-band earphone port, external power source (or battery charger) port, wired or wireless FPDP, memory card port, for connecting the port, audio frequency I/O (I/O) port, video i/o port, ear port etc. of the device with identification module.
Identification module can be that storage uses the various information of the right of mobile terminal 100 for authentication of users and can comprise subscriber identification module (UIM), Subscriber Identity Module (SIM), general subscriber identification module (USIM) etc.In addition, the device (hereinafter referred to " recognition device ") with identification module can take the form of smart card.Therefore, recognition device can be connected with terminal 100 via port or other coupling arrangement.Interface unit 160 may be used for receive from external device (ED) input (such as, data message, electric power etc.) and the input received be transferred to the one or more element in mobile terminal 100 or may be used for transmitting data between mobile terminal and external device (ED).
In addition, when mobile terminal 100 is connected with external base, interface unit 160 can be used as to allow by it electric power to be provided to the path of mobile terminal 100 from base or can be used as the path that allows to be transferred to mobile terminal by it from the various command signals of base input.The various command signal inputted from base or electric power can be used as and identify whether mobile terminal is arranged on the signal base exactly.
Output unit 140 is constructed to provide output (such as, sound signal, vision signal, alarm signal, vibration signal etc.) with vision, audio frequency and/or tactile manner.Output unit 150 can comprise display unit 141, dio Output Modules 142 etc.
Display unit 141 may be displayed on the information of process in mobile terminal 100.Such as, when mobile terminal 100 is in telephone calling model, display unit 141 can show with call or other communicate (such as, text messaging, multimedia file are downloaded etc.) be correlated with user interface (U I) or graphic user interface (GUI).When mobile terminal 100 is in video calling pattern or image capture mode, display unit 141 can the image of display capture and/or the image of reception, UI or GUI that video or image and correlation function are shown etc.
Meanwhile, when display unit 141 and touch pad as a layer superposed on one another to form touch-screen time, display unit 141 can be used as input media and output unit.Display unit 141 can comprise at least one in liquid crystal display (LCD), thin film transistor (TFT) LCD (TFT-LCD), Organic Light Emitting Diode (OLED) display, flexible display, three-dimensional (3D) display etc.Some in these displays can be constructed to transparent in allow from outside viewing, and this can be called transparent display.Typical transparent display can be such as TOLED (transparent organic light emitting diode) display etc.According to the specific embodiment wanted, mobile terminal 100 can comprise two or more display units (or other display device).Such as, mobile terminal can comprise outernal display unit (not shown) and inner display unit (not shown).Touch-screen can be constructed to even to detect touch input pressure and touch input position and touch and input area.
Dio Output Modules 142 can by receive from wireless communication unit 110 in call signal receiving mode, call mode, logging mode, speech recognition mode, broadcast reception mode etc. or storer 160 store voice data change and export as sound.And dio Output Modules 142 can provide the audio frequency relevant to the specific function performed by mobile terminal 100 to export (such as, call signal receives sound, message sink sound etc.).Dio Output Modules 142 can comprise loudspeaker, hummer etc.
Storer 150 can store software program of process for being performed by controller 170 and control operation etc., or temporarily can store oneself through exporting the data (such as, telephone directory, message, still image, video etc.) that maybe will export.And, storer 150 can store about when touch be applied to touch-screen time the vibration of various modes that exports and the data of sound signal.
Storer 150 can comprise the storage medium of at least one type, described storage medium comprises flash memory, hard disk, multimedia card, card-type storer (such as, SD or DX storer etc.), random access storage device (RAM), static random-access memory (SRAM), ROM (read-only memory) (ROM), electrically Erasable Programmable Read Only Memory EPROM (EEPROM), programmable read only memory (PROM), magnetic storage, disk, CD etc.And mobile terminal 100 can be connected the memory function of execute store 150 network storage device with by network cooperates.
Controller 170 controls the overall operation of mobile terminal usually.Such as, controller 170 performs the control relevant to voice call, data communication, video calling etc. and process.In addition, controller 170 can comprise the multi-media module 171 for reproducing (or playback) multi-medium data.Multi-media module 171 can be configured in controller 170 or can be configured to be separated with controller 170.
Controller 170 pattern recognition process can be identified as character or image so that input is drawn in the handwriting input performed on the touchscreen or picture.
Power supply unit 180 receives external power or internal power and provides each element of operation and the suitable electric power needed for assembly under the control of controller 170.
Various embodiment described herein can to use such as computer software, the computer-readable medium of hardware or its any combination implements.
For hardware implementation, embodiment described herein can by using application-specific IC (ASIC), digital signal processor (DSP), digital signal processing device.Object, programmable logic device (PLD), field programmable gate array (FPGA), processor, controller, microcontroller, microprocessor, be designed at least one performed in the electronic unit of function described herein and implement.In some cases, such embodiment can be implemented in controller 170.
For implement software, the embodiment of such as process or function can be implemented with allowing the independent software module performing at least one function or operation.Software code can be implemented by the software application (or program) write with any suitable programming language.Software code can be stored in storer 150 and to be performed by controller 170.
So far, oneself is through the mobile terminal according to its functional description.Below, for the sake of brevity, by the slide type mobile terminal that describes in various types of mobile terminals of such as folded form, board-type, oscillating-type, slide type mobile terminal etc. exemplarily.Therefore, the present invention can be applied to the mobile terminal of any type, and is not limited to slide type mobile terminal.
Mobile terminal 100 as shown in Figure 1 can be constructed to utilize and send the such as wired and wireless communication system of data via frame or grouping and satellite-based communication system operates.
Describe wherein according to such communication system that mobile terminal of the present invention can operate referring now to Fig. 2.
Such communication system can use different air interfaces and/or Physical layer.Such as, the air interface used by communication system comprises such as frequency division multiple access (FDMA), time division multiple access (TDMA) (TDMA), CDMA (CDMA) and universal mobile telecommunications system (UMTS) (especially, Long Term Evolution (LTE)), global system for mobile communications (GSM) etc.As non-limiting example, description below relates to cdma communication system, but such instruction is equally applicable to the system of other type.
With reference to figure 2, cdma wireless communication system can comprise multiple mobile terminal 100, multiple base station (BS) 270, base station controller (BSC) 275 and mobile switching centre (MSC) 280.MSC 280 is constructed to form interface with Public Switched Telephony Network (PSTN) 290.MSC 280 is also constructed to and can forms interface via the thick BSC 275 receiving base station 270 of back haul link.Back haul link can construct according to any one in some known interfaces, and described interface comprises such as E 1/T1, ATM, IP, PPP, frame relay, HDSL, ADSL or xDSL.Will be appreciated that system as shown in Figure 2 can comprise multiple BSC275.
Each BS 270 can serve one or more subregion (or region), by multidirectional antenna or point to specific direction each subregion of antenna cover radially away from BS 270.Or each subregion can by two or more antenna covers for diversity reception.Each BS 270 can be constructed to support multiple parallel compensate, and each parallel compensate has specific frequency spectrum (such as, 1.25MHz, 5MHz etc.).
Subregion can be called as CDMA Channel with intersecting of parallel compensate.BS 270 also can be called as base station transceiver subsystem (BTS) or other equivalent terms.Under these circumstances, term " base station " may be used for broadly representing single BSC 275 and at least one BS 270.Base station also can be called as " cellular station ".Or each subregion of particular B S270 can be called as multiple cellular station.
As shown in Figure 2, broadcast singal is sent to the mobile terminal 100 at operate within systems by broadcsting transmitter (BT) 295.Broadcast reception module 111 as shown in Figure 1 is arranged on terminal 100 and sentences the broadcast singal receiving and sent by BT 295.In fig. 2, several GPS (GPS) satellite 300 is shown.Satellite 300 helps at least one in the multiple terminal 100 in location.
In fig. 2, depict several satellite 300, but understand, the satellite of any number can be utilized to obtain useful locating information.GPS module 115 as shown in Figure 1 is constructed to coordinate to obtain the locating information wanted with satellite 300 usually.Substitute GPS tracking technique or outside GPS tracking technique, can use can other technology of position of tracking mobile terminal.In addition, at least one gps satellite 300 optionally or extraly can process satellite dmb transmission.
As a typical operation of wireless communication system, BS 270 receives the reverse link signal from various mobile terminal 10.Mobile terminal 100 participates in call usually, information receiving and transmitting communicates with other type.Each reverse link signal that certain base station 270 receives is processed by particular B S 270.The data obtained are forwarded to relevant BSC 275.BSC provides call Resourse Distribute and comprises the mobile management function of coordination of the soft switching process between BS 270.The data received also are routed to MSC280 by BSC 275, and it is provided for the extra route service forming interface with PSTN 290.Similarly, PSTN 290 and MSC 280 form interface, and MSC and BSC 275 forms interface, and BSC 275 correspondingly control BS270 so that forward link signals is sent to mobile terminal 100.
Embodiment one
Based on the mobile terminal shown in Fig. 1, in order to realize mobile payment function, the present embodiment has increased some functional modules newly on this mobile terminal 100, defines Mobile payment terminal 100 ', as shown in Figure 3, comprising:
Mobile payment mobile phone applications client 310, for realizing the mutual of this Mobile payment terminal 100 ' and TSM server, payment limit is set to TSM server request, passes to safe unit 330 in the order paying limit that arranges returned by TSM server after confirming through NFC module 320;
NFC module 320, communicates with safe unit 330 respectively with mobile payment mobile phone applications client 310, passes to safe unit 330 for the order paying limit that arranges of mobile payment mobile phone applications client 310 being sent; Also for reminder announced unit 340 by the current excess disbursement carried out to user's alarm; Also for receiving the wireless signal sent POS 420 side and being passed to safe unit 330; Simultaneously also for the return message of safe unit 330 is sent to POS 420 by wireless signal.
Safe unit 330, communicates with NFC module 320, and reception arranges the order of payment limit and performs; Also paying or refusal to pay for receiving to pay request command and carry out decision-making execution according to the limit preset, if exceed, then directly refusing to pay, and the failed confirmation of payment is returned to NFC module 320, notifying that NFC module 320 is to reminding unit 340 alarm simultaneously; If do not exceed, then perform delivery operation, and payment is successfully confirmed return to NFC module 320.
Reminding unit 340, to transfinite alarm for carrying out payment according to the alarm mode preset.Alarm mode can include but not limited to the modes such as information, voice or vibration.
In the present embodiment, mobile payment mobile phone applications client 310 and NFC module 320, adopt transparent transmission mode between NFC module 320 and safe unit 330.Particularly, in mobile payment flow process, mobile payment mobile phone applications client 310 only needs to send NFC module 320 to by transparent for the order arranging payment limit confirmed through TSM server, NFC module 320 will arrange the order that pays limit and send safe unit 330 to, without the need to processing from the payment request information of exterior terminal is all transparent.
Mobile-payment system in the present embodiment as shown in Figure 4, comprising:
Mobile payment terminal 100 ', concrete structure as shown in Figure 3, is downloaded by TSM server 410 and opens electronic cash card, realizing mobile payment function;
TSM server 410, for providing the download of electronic cash card and open-minded for Mobile payment terminal 100 ', and through mobile payment mobile phone applications client 310 order of the payment limit arranging this electronic cash card is sent to the safe unit 330 in Mobile payment terminal 100 '.
POS 420 is exterior terminal, carries out alternately with Mobile payment terminal 100 ', sends payment request information and receive its payment information returned to it.
As shown in Figure 5, the method for mobile payment in the present embodiment comprises:
501, mobile payment mobile phone applications client 310 sends the solicited message arranging and pay limit to TSM server 410, wherein carries concrete single payment highest amount, the odd-numbered day pays highest amount, within single month, pays highest amount and/or annual payment highest amount.
In mobile payment mobile phone applications client 310, user can pay highest amount information according to self-demand write, in follow-up application process, also can adjust amount information at any time.Certainly, for convenience of management, TSM server 410 or can arrange to carry out specification to the number of times of amount adjustment interval time.
502, TSM server 410 returns through the order arranging payment limit of encryption to mobile payment mobile phone applications client 310.
The order that what 503, TSM server 410 returned by mobile payment mobile phone applications client 310 arranged pays limit sends safe unit 330 to through NFC module 320 is transparent, so far completes and pays limit setting procedure.
504, exterior terminal (being POS 420 in the present embodiment) sends payment request information to NFC module 320, wherein carries the payment related information such as payment, beneficiary.
505, payment request information is passed through safe unit 330 by NFC module 320.
506, safe unit 330 is according to the payment limit information pre-set, judge whether the payment of current payment request information exceeds payment limit, if exceed, then directly refuse to pay, and the failed confirmation of payment is returned to NFC module 320, notify that NFC module 320 is to reminding unit 340 alarm, performs step 507 afterwards simultaneously; If do not exceed, then perform delivery operation, and payment is successfully confirmed return to NFC module 320, perform step 509 afterwards.
507, the failed confirmation of payment is passed through POS 420 by NFC module 320, carries out alarm to reminding unit 340 simultaneously.
508, reminding unit 340 passes through default alarm mode to user's alarm, to avoid use of deducting fees more.Alarm mode could be: on terminal screen, " current request payment exceeds limit in display! ".So far, this payment flow is terminated.
509, payment successfully confirms to pass through POS 420 by NFC module 320.So far, this payment flow is terminated.
Embodiment two
In embodiment one, mobile payment mobile phone applications client 310 needs to arrange payment limit to TSM server 410 request, safe unit 330 is passed to through NFC module 320 in the order paying limit that arranges returned by TSM server after confirming, arrange after the order paying limit is encrypted by TSM server 410 and pass through safe unit 330 through mobile payment mobile phone applications client 310, this degree of safety is very high, but setting procedure is complicated, underaction.Different from embodiment one, the present embodiment two adopts the mode directly arranging and pay limit.
In the present embodiment, mobile-payment system as shown in Figure 6, only comprises: Mobile payment terminal 100 ' and POS 420.
Correspondingly, pay limit setting procedure as shown in Figure 7, only comprise:
701, mobile payment mobile phone applications client 310 generates the order arranging and pay limit according to user's input information.
702, mobile payment mobile phone applications client 310 sends safe unit 330 by arranging the order paying limit to through NFC module 320 is transparent, completes the setting paying limit after safe unit 330 receives orders.So far complete and pay limit setting procedure.
Apparently, this embodiment simplifies and pay limit setting procedure, realize simple and quick, facilitate user, improve Consumer's Experience.
Embodiment three
In the present embodiment one, safe unit 330 is when judging that the payment of current payment request information exceeds payment limit, then directly refuse to pay, and the failed confirmation of payment is returned to NFC module 320, notify that NFC module 320 is to reminding unit 340 alarm simultaneously.If current payment request for legitimate request and user know, then currently successfully to pay for ensureing, user just can carry out delivery operation or delivery operation several times after needing adjustment to pay limit, troublesome poeration and hommization not.
Thus, for promoting Consumer's Experience in the present embodiment three, making to apply hommization more, payment flow changed, as shown in Figure 8, comprising:
801, POS 420 sends payment request information to NFC module, wherein carries the payment related information such as payment, beneficiary.
802, payment request information is passed through safe unit 330 by NFC module 320.
803, safe unit 330 is according to the payment limit information pre-set, and judges whether the payment of current payment request information exceeds payment limit, if exceed, then carries out alarm through NFC module 320 reminder announced unit 340, performs step 804 afterwards; If do not exceed, then perform delivery operation, and payment is successfully confirmed return to NFC module 320, perform step 806 afterwards.
804, reminding unit 340 is by default alarm mode to user's alarm, notifies that safe unit 330 is refused to pay when user confirms refusal to pay through NFC module 320, performs step 805 afterwards.Confirm to agree to notify that safe unit 330 performs delivery operation through NFC module 320 when paying user, perform step 806 afterwards.
805, the failed confirmation of payment is passed through POS 420 through NFC module 320 by safe unit 330, so far terminates this payment flow.
806, safe unit 330 performs delivery operation and payment is successfully confirmed to pass through POS 420 through NFC module 320, so far terminates this payment flow.
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 (10)
1. a Mobile payment terminal, is characterized in that, comprising: mobile payment mobile phone applications client, NFC module and safe unit;
Described mobile payment mobile phone applications client, for arranging payment limit to TSM server request, passes to safe unit in the order paying limit that arranges returned by TSM server after confirming through NFC module; Or directly produce the order arranging and pay limit and this order is passed to safe unit through NFC module;
Described NFC module, for passing to safe unit by the order paying limit that arranges from mobile payment mobile phone applications client; Also for receiving wireless signal that transaction sends side and being passed to safe unit; Simultaneously also for the return message of safe unit is sent to transaction opposite end by wireless signal.
Described safe unit, for communicating with NFC module, reception arranges the order of payment limit and performs; Also pay or refusal to pay for receiving to pay request command and carry out decision-making execution according to the limit preset.
2. Mobile payment terminal as claimed in claim 1, is characterized in that, also comprise:
Reminding unit, for judge at described safe unit the current payment request amount of money exceed pay limit time, carrying out payment according to the alarm mode preset transfinites alarm;
Described safe unit, when paying limit for exceeding at the current payment request amount of money, directly refusing to pay and the failed confirmation of payment is returned to NFC module; Notify that NFC module is to reminding unit alarm simultaneously;
Described NFC module, for when receiving the excess disbursement alarm notification that safe unit is sent, reminder announced unit carries out alarm to user.
3. a mobile-payment system, is characterized in that, comprising: Mobile payment terminal, TSM server and exterior terminal;
Described Mobile payment terminal, as claimed in claim 1 or 2, send by the safe unit of request TSM server in this terminal the order arranging and pay limit, or directly produced by mobile payment mobile phone applications client and send the order arranging and pay limit to safe unit; For payment information mutual with exterior terminal, realize mobile payment function;
Described TSM server, for providing the download of electronic cash card and open-minded for Mobile payment terminal, through mobile payment mobile phone applications client, the order of the payment limit arranging this electronic cash card is sent in the safe unit in Mobile payment terminal when receiving the solicited message of Mobile payment terminal;
Described exterior terminal, for sending payment request information to described Mobile payment terminal and receiving its payment information returned.
4. a method of mobile payment, is applied to Mobile payment terminal, it is characterized in that, the method comprising the steps of:
(1) to the safe unit transmission in Mobile payment terminal, the order of payment limit is set to arrange payment limit;
(2) when receiving payment request information, first judge whether the payment of current payment request information exceeds payment limit, then perform delivery operation or refusal to pay process accordingly.
5. method of mobile payment as claimed in claim 4, it is characterized in that, described step (1) comprises further:
Mobile payment mobile phone applications client in described Mobile payment terminal sends the solicited message arranging and pay limit to TSM server;
Described TSM server confirms to arrange payment limit information to mobile payment mobile phone applications client, returns through the order arranging payment limit of encryption to it;
The order that what TSM server returned by described mobile payment mobile phone applications client arranged pays limit passes to safe unit to arrange payment limit.
6. method of mobile payment as claimed in claim 4, it is characterized in that, described step (1) comprises further: the mobile payment mobile phone applications client in described Mobile payment terminal directly generates to arrange and pays the order of limit, and this is arranged and pay limit order and pass to safe unit to arrange payment limit.
7. the method for mobile payment as described in claim 5 or 6, is characterized in that, the method also comprises: when judging that the payment of current payment request information exceeds payment limit, adopts the alarm mode preset to user's alarm.
8. method of mobile payment as claimed in claim 7, it is characterized in that, described step (2) comprises further: judge the payment of current payment request information exceed pay limit time, while user's alarm externally terminal send refusal to pay information.
9. method of mobile payment as claimed in claim 7, it is characterized in that, described step (2) comprises further: when judging that the payment of current payment request information exceeds payment limit, first to user's alarm, if user agrees to pay, then perform corresponding delivery operation according to current payment request information; If user does not agree to pay, then externally terminal sends refusal to pay information.
10. method of mobile payment as claimed in claim 7, it is characterized in that, described alarm mode comprises: information, voice or vibration.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
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| CN107038565A (en) * | 2016-02-04 | 2017-08-11 | 三星电子株式会社 | Electronic apparatus and method for e-payment |
| CN107818460A (en) * | 2016-09-13 | 2018-03-20 | 北京京东尚科信息技术有限公司 | A kind of method of payment and device |
| CN109074573A (en) * | 2016-04-08 | 2018-12-21 | 三星电子株式会社 | The electric paying method of portable unit and portable unit |
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Application publication date: 20150701 |