CN105096115A - Method for electronic payment transaction of non-POS terminal and mobile device - Google Patents
Method for electronic payment transaction of non-POS terminal and mobile device Download PDFInfo
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- CN105096115A CN105096115A CN201510368135.8A CN201510368135A CN105096115A CN 105096115 A CN105096115 A CN 105096115A CN 201510368135 A CN201510368135 A CN 201510368135A CN 105096115 A CN105096115 A CN 105096115A
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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
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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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]
- G06Q20/3223—Realising banking transactions through 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
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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Abstract
The invention discloses a technology of finishing financial transactions without deploying a POS (Point of Sale) terminal. According to one respect of the invention, a user or a purchaser uses his/her intelligent mobile phone to finish the financial transaction with a seller, and the seller has no the POS terminal. Instead, the seller receives the confirmation of the payment from the purchaser from an appointed site. The invention describes a platform for supporting the transaction of this kind.
Description
Technical field
The present invention relates to e-commerce field on the whole.Particularly, the present invention relates to a kind of electric payment transaction, and do not require that sellers have POS (PointofSale) class device, this businessman at least two types is useful especially, comprises the little physical stores businessman without store merchandising point (POS) system and the Internet/internet businessman.
Background technology
Universal along with smart mobile phone, many little businessmans and Customer Intent carry their smart mobile phone whenever and wherever possible.Now, all smart mobile phones have the camera that can be used in reading QR coding (two-dimension identification code).Along with increasing near-field communication (NFC) mobile phone comes into the market, people have contactless integrated circuit card (ICC) (usually also referred to as smart card) reading capability substantially whenever and wherever possible.In addition, there is one or more safety element (SE) mostly in these mobile phones.SE is another title (such as, outside existing apparatus, such as SD or USB softdog) of smart card.
The disclosure for completing financial transaction without the need to a kind of method of disposing businessman POS, a kind of equipment, a kind of system and/or a kind of platform.
Summary of the invention
These chapters and sections are the objects for general introduction aspects more of the present invention, and introduce some preferred embodiments briefly.Can make and simplify or omit with the object avoiding fuzzy chapters and sections.This type of simplifies or omits not intended to be limiting scope of the present invention.
The present invention relates to for completing financial transaction and technology without the need to disposing businessman POS.According to an aspect of the present invention, user or buyer use his/her smart mobile phone to carry out the pecuniary exchange with sellers, and wherein sellers do not have POS device, the confirmation that the payment alternatively receiving buyer from designated parties has received.Describe a kind of platform for supporting this type of to conclude the business.
According to another aspect of the present invention, payment platform allows businessman to accept with the E-Payment of stored value card, credit card and debit card application program (such as, based on the payment of IC).According to a further aspect of the invention, pay by mails and successfully made based on the identifier (ID) of the businessman obtained via user-dependent smart mobile phone, wherein ID can businessman's label (such as, RFID) or with the form of one dimension or two-dimensional bar (such as, QR coding) present.
The present invention can be implemented as a part for a kind of method or program, a kind of single assembly, a kind of server, a kind of system or system.According to an embodiment, the present invention is a kind of for promoting the method for the payment transaction without point of sale (POS) terminal, and the method comprises: issue to businessman and identify bag, and described identification bag at least comprises the identifier of described businessman; To receive in server from the described identification bag with user-dependent calculation element, described user wishes to pay described businessman, and the described user of wherein said identification bag utilizes described calculation element to obtain from medium; Acknowledge message is sent to the device relevant to above-mentioned businessman from described server successfully perform the payment of described businessman to indicate.
According to another embodiment, the present invention is a kind of for promoting the mobile device of the payment transaction without point of sale (POS) terminal, and this mobile device comprises: for storing the storage space of a module; Processor, it is connected to described storage space and performs following operation to run described module to impel described mobile device: when user prepares to obtain when making payment to businessman the identification bag of described businessman; Create and wrap to send described identification with the secure link of server, wherein said server is configured to confirm that described identification bag is certified; Determine how to make described payment according to the display on described mobile device; After the described payment that described server performs described businessman, receive the confirmation that described payment has been performed successfully, wherein said businessman does not need to have described point of sales terminal and only receives from described server the acknowledge message that described payment has been received.
Compared with prior art, user or buyer use his/her smart mobile phone to carry out the pecuniary exchange with sellers, and wherein sellers do not have POS device, the confirmation that the payment alternatively receiving buyer from designated parties has received.
By reference to the accompanying drawings, based on the examination of the detailed description to following embodiment, other target of the present invention, feature and advantage will be apparent.
Accompanying drawing explanation
By following detailed description with the accompanying drawing, the present invention is by easy to understand, and wherein similar Reference numeral indicates similar structural detail, and wherein:
Figure 1A shows exemplary configuration according to an embodiment of the invention;
Figure 1B shows the internal functional block diagram of the calculation element that can be used in Figure 1A;
Data stream between Fig. 2 shows according to the different entities of an embodiment; With
Fig. 3 A and Fig. 3 B respectively illustrates two kinds of exemplary deployment platforms, and one is online, and another is off-line.
Embodiment
In following instructions, illustrate many concrete details to provide thorough understanding of the present invention.The present invention can when putting into practice without when these concrete details.Description herein and be expressed as those skilled in the art for effectively the essence of their work being conveyed to the meaning of others skilled in the art.In other cases, all known method, process, parts and circuit do not describe in detail, because they have been well understood and have avoided unnecessarily fuzzy aspect of the present invention.
Refer to " embodiment " or quoting of " a kind of embodiment " herein, the specific features, structure or the feature that describe in conjunction with this embodiment can be included at least one embodiment of the present invention.Phrase " in one embodiment " or " in this embodiment " in the description appearance everywhere both not necessarily indicated identical embodiment all the time, neither mutually get rid of other embodiment separately or alternate embodiment.In addition, represent that the order of the square frame in the program of one or more embodiment, flow process or functional diagram neither indicates any concrete order inherently, also do not imply the restrictive condition in the present invention.As used in this instructions and appended claims book, singulative " ", " one " and " being somebody's turn to do " comprise a plurality of denoted object, clearly indicate unless separately had in literary composition.Shall also be noted that term "or" usually adopts in its meaning and comprise "and/or", clearly indicate unless separately had in literary composition.
The present invention relates to a kind of platform and a kind of application program, it is all designed for and allows buyer and sellers to carry out payment transaction electronically.As used herein, neutral with reference to referring to any synonym of sex (such as, he (he), his (him), her (she), she (her) etc.).Unless otherwise clearly dated, the hereinafter use of synonym " he (he) ", " his (his) " or " he (him) " only and easily object clear for management.In addition, the use of any odd number or plural number also should be considered as indicating plural number or odd number respectively, as context explained.
Embodiments of the invention are discussed with reference to figure 1A-3B in this article.But those skilled in the art is by easy to understand, and the detailed description provided relative to these figure is herein only for explanatory purposes, because the present invention extends beyond these limited embodiments.
Smart card is consumer, businessman and bank provide many benefits, such as store information ability and by reducing the security that swindle technology is improved.Smart card or the small size card of integrated circuit (IC) card for having embedded IC, this embedded IC can process information.Compared to conventional magnetic stripe card, due to the ability of its store transaction information and correspondingly increase/deduction value, smart card has more purposes far away.Smart card payment application in traffic ticket booking, convenience store, supermarket, fast food restaurant, parking service, vending machine and other point of sale application program combined is worldwide popular gradually.In China, smart card is used for multiple application, the advantage of these multi-purpose cards also confirms in more than 80 cities popular.In the city in such as Hong Kong, Beijing, Shanghai and Shenzhen, multi-function intelligent card not only for traffic, and for the payment of electric power, combustion gas and water bill.Usually, smart card is based on point of sale (POS) terminal operation.
Along with the use of smart mobile phone is popular gradually, replace and provide individual physical smart card, smart card comes together to realize or realize in smart mobile phone together with smart mobile phone.Unless otherwise, card herein refers to the function provided by the smart mobile phone that can be used as smart card or the function be provided in this smart mobile phone.
The EMV representing Europay (Continental Europe), MasterCard (Master) and Visa (Visa) is a kind of international standard for integrated circuit card (IC-card or " chip card ") and the IC-card of point of sale (POS) terminal and the interoperability of ATM (Automatic Teller Machine) (ATM), and this international standard is for certification credit card and debit card transactions.EMV is the common achievement conceived by Europay, MasterCard and Visa at first, for guaranteeing security based on the Payment Card of chip and worldwide interoperability.Except EMV, also has PBOC (China's finance integrated circuit card specification) standard.PBOC standard is Chinese technology and the safety standard for smart card, and PBOC standard is applied to both contact smart card or contactless smart card.This standard is also referred to as " Chinese EMV " and be similar to EMV standard to a great extent.But, still require in the introduction of these standards that E-Payment must be realize by POS terminal.
Key character of the present invention, one of advantage and target are to provide a kind of without the need to requiring the payment platform of POS terminal.Figure 1A shows exemplary configuration 100 according to an embodiment of the invention.The platform of Fig. 1 has four parts, and these four parts are all connected to network 101.The example of network 101 includes but not limited to wireless or/and cable network, the Internet are or/and LAN (Local Area Network).Representatively, each in four parts is:
● for making consumer's smart mobile phone 102 of payment;
● for receiving businessman's smart mobile phone 106 of advise for payments after the payment of consumer's smart mobile phone 102 is approved;
● for off-line shop, be stored in the Business Information (it visits via contactless mode by consumer's smart mobile phone) in medium 104, such as NFC label, QR coding, blue-tooth device, sound, infrared source, radio sources and iBeacon source (one of Apple's exploitation carries out a very accurate microposition technology by low-power consumption Bluetooth technology); Described radio sources can be Wi-Fi Hotspot, that is Business Information can be obtained by Wi-Fi Hotspot, described Business Information can be stored in the router creating Wi-Fi Hotspot, and also can be stored in high in the clouds, it is transferred in the smart mobile phone of consumer by this Wi-Fi Hotspot; With
● for implementing the back-end server 108 of physics POS apparatus function.
User registers: mobile device 102 is configured to and user-dependent individual payment terminal.Described terminal 102 is configured to access one or more authorization card.In operation, user is first from dealer's down load application program or module.Dealer can be service provider, application program shop (such as AppleStore or GooglePlay).For enabling described module make payment, user needs to perform following step:
● first by the identification code of mobile device described in the server registration operated by service provider (such as Futong of family remittance Science and Technology Ltd., hereinafter referred RHG, is positioned at North, High-tech Park, Nanshan District, China Shenzhen city).Described module be configured to read cell phone international mobile equipment identification number (IMEI) and to the back-end server 108 to its registration.
● allow described module to the number of cell phone described in described server registration.
● allow described module accesses to be installed on payment module on one or more safety element (SE) or application program, if they exist.In one embodiment, one or more payment application is installed on both software and hardware safety elements (SE) of mobile device 102.Such as, software SE is host card simulation (HCE).Hardware SE can be embedded SE or SWPSIM of this device.It should be noted that the not responsible installation of the module of installation and these payment application individualized.These application programs should be individualized by user and corresponding issue entity (such as issuing bank).The installation of software module or application program and personalized details are provided in the US application serial No.11/739 of common pending trial, and in 044, this application is incorporated to accordingly by reference.
● each payment application is registered on SE (or each safety element).The module of installing is configured to access payment system environment (PSE) on SE to retrieve the payment application be installed on SE.If SE supports PSE, so described terminal 102 reads required information with selective gist program data file (ADF).If without PSE, so described terminal 102 uses the list of known application program ID to select the payment application that SE installs by using SELECTapdu (Application Protocol Data Unit).About the payment application on SE, the module of installation is configured to allow user to its create name.Such as: ABC bank debit, ABC bank ECash and XYZVISA credit card, one of named method can be selected make payment to make user.When carrying out payment transaction, the module of installation is configured to local storage payment options and/or is stored in by payment options on server for later use.
Upon registration, the module of installation can use payment options, until:
● the payment application relevant to this option is expired or corresponding entity of issuing does not allow;
● described device 102 is detected at it and is by mistake stopped by back-end server or stopped wittingly by the requirement of user after it has had some abnormal movements.
According to an embodiment, user uses outside intelligent card, and in this case, mobile device 102 can be used as the reader reading described exterior I C card.In operation, user must register described exterior I C card.Described registration comprises user and Payment Card is committed to described module and reads with the NFC interface via mobile device.Be similar to and register payment options on inner SE, described module is now configured to register payment application on each exterior I C card.The payment options of exterior I C card and identifier are stored in back-end server 108 by described module.If described mobile device has more than one authorized payment options (inner card and external card), so user can set acquiescence payment options.
Refer now to Figure 1B, Figure 1B shows the internal functional block diagram 120 of the calculation element that can be used in Figure 1A.Calculation element 120 corresponds to the mobile device 102 of Figure 1A, it comprise microprocessor or microcontroller 122, the storage space 124 that wherein there is a module 126, safety element (SE) 125, input interface 128, for driving the screen drive 130 of display screen 132, and network interface 134.Described module 126 is the software form representing one embodiment of the present of invention, and is can download from network application storehouse (such as, AppleStore) or given server (such as, the server 108 of Figure 1A).
Should note, safety element (SE) for anti-tamper platform (such as, single chip secure microcontroller), this anti-tamper platform according to by one group identified can managed application and its secret and code data (such as, key management) safely by trusting the rule set forth of authorities and security requirement.The common form factor of SE comprises: Universal Integrated Circuit Card (UICC), embedded SE and microSD.UICC and microSD is removable.In one embodiment of the invention, software module is configured to serve as SE and is upgradeable by the assembly of some or all rewritten wherein.Do not consider form factor, each form factor links to different service implementation modes and meets the different market demands.For having required SE function, SE should be personalized.Personalized for SE details are described the US application serial No.13/749 with common pending trial, in 696, this application is incorporated to by reference.
Input interface 128 comprises one or more input mechanism.User can use input mechanism mutual with described device 120 by order being input to microcontroller 122.An example of input mechanism comprises for the microphone of audio reception order or wheat (mic) and the keyboard (such as, shown soft keyboard) for receiving Text Command.Another example of input mechanism is the camera being provided for catching photograph or video, and wherein the data of this photograph or video are stored in described device 120 and use immediately for described module 126 or use subsequently.Optionally, as a part for input interface 128, calculation element 120 is equipped with the NFC ability for reading neighbouring label.
The driver 130 being connected to microcontroller 122 is provided for and obtains instruction to drive display screen 132 to show the list of method of payment from it, thus allows its user to select a kind of method of payment to pay.Network interface 134 is provided for and allows described device 120 to communicate with other device via appointment medium (such as, data network).
According to an embodiment, described module 126 is loaded in storer 124, and is run for user's access by the installation payment application 127 that the safety element in calculation element 120 specifies by controller or microprocessor 122.Described module 126 is configured to allow user to make payment via server 108, and does not require that businessman has POS terminal.
The terminal used for businessman is without particular/special requirement, although calculation element 120 can use to receive from given server the payment that payment message confirms to receive user or buyer by businessman.
Merchant registration: server 108 is configured to signing businessman and by this merchant registration in the database of its rear end.According to an embodiment, Business Information comprises:
● the merchant identifier (ID) issued by service provider;
● multiple site and its position and/or corresponding site ID;
● acceptable method of payment, depend on businessman, this method of payment generally includes credit card, debit card or stored value card; With
● the business types needed for Settlement Network Problem by Using, merchant bank information etc.
Identify that bag reads for user for each businessman issues one.Described identification bag allows this businessman of server 108 identification.Depend on embodiment, described identification bag can be NFC label, QR coding, blue-tooth device or sound, and can read via wireless means (such as, infrared ray or bluetooth).Embed this type of and identify that the typical information in bag comprises:
● Merchant ID;
● Merchant name;
● for identifying the site ID of the site of businessman; With
● digital digest.
Information on described identification bag (such as, label) is protected by described digital digest, and this digital digest utilizes the private key provided by server 108 to sign when device 102 creates the secure link with server 108.Digital digest is used by the payment application in terminal 102 with the authenticity confirming label.Payment application uses corresponding public-key certificate recover the plain text of this summary and compare the result of digest calculations.
Refer now to Fig. 2, the data stream between Fig. 2 shows according to the different entities of an embodiment.As shown in Figure 2, four entities are had: ICC202, APK204, RHG rear end 206 (or claiming back-end server) and issue entity 208.For promoting the understanding of Fig. 2, ICC202 corresponds to the payment options registered with smart mobile phone 102.In general, ICC202 can be the outside or inside IC-card relating to credit card in smart mobile phone 102 or stored value card.The APK204 representing Android application package corresponds to installed module (such as, 126 of Figure 1B), and RHG rear end 206 corresponds to business server 108.Issue service distribution or support entity that entity 208 is payment options.
Suppose the transaction flow of cash desk according to Fig. 2 at physical stores, this means that businessman can not have POS terminal.Consumer carries has camera or/and the smart mobile phone of NFC performance.Consumer buys commodity or service and prepares to settle accounts with businessman.In operation, consumer uses his smart mobile phone to mounted module (also can be described as APK204) in contacting businessman's NFC label or starting his smart mobile phone to read QR coding.
In either case, APK204 is configured to, on consumer's mobile phone, Business Information is shown.If allow described APK204 to access the location-based information (it is well known that most smart mobile phone can detect its position) of consumer, so APK204 can contact RHG rear end 206 to investigate described businessman.Current GPS location is for mating the shop of the registers offline businessman in NFC label, and APK204 provides designator to indicate whether coupling.
Consumer is allowed to from the drop-down Business Information in RHG rear end 206, and this Business Information comprises the list of the accepted method of payment of registered trader.Based on consumer can the acceptable payment options of registration payment options and businessman, back-end server 206 determines the list that can accept payment options.If default payment method is that businessman is acceptable, so consumer can proceed the method.Otherwise, the accepted method of payment that consumer can select businessman to provide.In one embodiment, if payment options is that businessman is unacceptable, the addressable payment options of so described APK204 becomes grey.
When selecting method of payment, consumer's typing payment by screen display to businessman.After consumer touches the button for activating payment, if selected payment application is on outside ICC, so APK204 should point out this consumer to place this exterior I CC card to read.Otherwise APK204 concludes the business to the payment application that SE installs.First described APK204 handle assembly identification code, type of payment, payment application information, Merchant ID and payment will be sent to RHG businessman POS server, and this RHG businessman POS server is one in RHG back-end server 208.
Verification payment options be this businessman acceptable after, the bank information that back-end server 206 obtains according to businessman prepares SELECTapdu (selection apdu) and GETPROCESSINGOPTIONS (acquisition Treatment Options) with suitable Treatment Options data object list (PDOL).APK204 is configured to select by the application program on the SE that carries out concluding the business and issues GETPROCESSINGOPTIONS to activate the transaction to described payment application.Based on the application file steady arm (AFL) in GPO response, APK204 should issue sequence that READRECORD (read record) orders with from application program search records.Then, this information is sent to back-end server 206 with this New Transaction of announcement server.
Subsequent treatment between application program and POS rear end 206 is the similar physics POS be committed to by Payment Card in retail shop substantially, serves as substituent on mobile device for taking over APDU order and the response between back-end server and selected payment application unlike APK204.
Operationally, back-end server is configured to utilize static data certification (SDA), Dynamic Data Authentication (DDA) or complex data certification (CDA) to carry out off-line data certification based on the ability of payment application.According to one embodiment of present invention, CDA is preferred selection all the time, unless ICC application program does not support CDA.Back-end server be configured to perform terminal risk management and terminal action analysis with tentatively determine deal should online or off-line carry out.
Based on result, back-end server prepares GENERATEAPPLICATIONCRYPTOGRAMapdu (produce application program ciphertext apdu) with from one of following ciphertext of application asks:
● certificate of fair (TC)-off-line accreditation
● authorization requests ciphertext (ARQC)-authorize online
● application authorization ciphertext (AAC)-off-line refusal.
After analysis data, application program can accept the action proposed, refusal transaction or pressure online transaction.If select CDA, so application program is configured to calculate the dynamic signature comprised with response.When receiving response, back-end server is configured to investigate this signature before any further action.The authenticity and integrity responded is guaranteed in verification.If ARQC is received in a GENERATEAC (producing AC) response by back-end server, so this back-end server will be sent to publisher ARRC.
ARQC is the digital signature of Transaction Details, and it is by issuing entity real-time inspection.Publisher with response coding, authorization response ciphertext (ARPC) and optionally publisher's script (command string to application program to be sent) respond authorization requests.
If the response message deriving from publisher comprises publisher's verify data, and apply interaction feature instruction ICC and support publisher's certification, so publisher's verify data should be sent to the application program in EXTERNALAUTHENTICATE (terminal authentication) order.2nd GENERATEAC (producing AC) will originally be sent to application program to produce TC or AAC.Similarly, if use CDA, first back-end server will investigate the response that the 2nd GenerateAC (producing AC) orders.
At trading time period, ask PIN to identify holder from user.If transaction successfully completes, so the RHG of consumer pays APK and payment will be shown, and the RHG businessman APK of businessman will be triggered and illustrate to receive and pay, as shown in figs.3 a and 3b, RHG businessman APK is installed on the application program in the mobile phone of businessman or calculation element, for receiving advise for payments, RHG pays the APK204 in APK corresponding diagram 2.Back-end server performs the settlement of transactions of the traditional financial clearance being similar to payment transaction.
Network businessman flow process: consumer settles accounts at online shop place and Selection utilization method of payment described herein pays.Consumer is required the cell phone number or other identifier (such as, e-mail address, or drivers license number) that provide him.Businessman calls rear end RHG and pays API to ask RHG collection payment.Request comprises Merchant ID, payment and cell phone number.Then, RHG notices consumer via its Mobile payment terminal registered.Consumer opens APK, and the request that pays is shown on screen.Information comprises details and the payment of businessman.Payment flow is similar to most of off-line trading as described above substantially.After acceptance pays, RHG server will notify this payment of businessman.Businessman will continue its existing check-out process with consumer.
Back-end server 206:RHG back-end server or system comprise at least two mainly operations, these two mainly operation can be housed inside in individual server or multiple server, they represent at least one business server 108 in Fig. 1 and a POS server herein.Business server 108 is for handling Business Information and serving as substituent to talk with RHGPOS server or other bank POS server.This substituent prepares the message format for being sent to POS server.POS server is for handling POS operation.When receiving request from mobile device, the business server access merchant database of Business Information and this communicating information are to POS server, RHG business server as shown in Figure 3 A and Figure 3 B and RHGPOS server, RHG pays APK and corresponds to the module 126 of installing with mobile device 120.
In one embodiment, POS server supports two kinds of operator schemes: line model and off-line mode.It should be noted that HSM comprises POS server for carrying out the voucher needed for offline card verification (such as SDA and DDA and CDA calculate).
Line model: when RHGPOS server does not have the enough authorities for authorized transactions, POS server needs with line model operation to obtain the authorization from issue entity.Based on card information and the card response of Business Information, collection, server can prepare message according to asked specified format, and then these message are forwarded directly to issue entity.Transaction processing is " online " transaction to issuing entity by RHG rear end.
Off-line mode: when POS and application program all agree to off-line trading, concludes the business and handles transaction by the voucher of the corresponding issue entity of this application program of RHGPOS server by utilizing.Therefore, transaction completes simply between application program and RHG back-end server.This transaction processing is " off-line " transaction by RHG rear end.
Alternately dispose: about issue entity, issue may be deployed as between entity and RHG server, entity is to run POS server by the business server of RHG trustship.In this deployment, RHG back-end server does not have the POS function issuing entity.It only has Business Information.This RHG back-end server serves as the substituent of the POS be deployed in the premises of this entity, as shown in Figure 3 B.Fig. 3 A and Fig. 3 B respectively illustrates two kinds of exemplary deployment platforms, and one is online and another is off-line.
The present invention preferably implements in software, but also can implement in the combination of hardware or hardware and software.The present invention also can be embodied as the computer-readable code in computer-readable medium.Computer-readable medium is any data storage device that can store data, and these data after this can by computer system reads.The example of computer-readable medium comprises ROM (read-only memory), random access memory, CD-ROM, DVD, tape, optical data storage device and carrier wave.Computer-readable medium also can be distributed in the computer system of connected networks, makes computer-readable code store in a distributed way and run.
The present invention enough describes in detail with the singularity of specific degrees.One skilled in the art will understand that embodiment of the present disclosure is made by means of only the mode of example, and can appeal to arrange and part combination multiple change and do not depart from the spirit and scope of the present invention for required protection.Therefore, scope of the present invention by the appended claims but not the aforementioned description of embodiment limit.
Claims (20)
1., for promoting a method for the payment transaction without point of sales terminal, described method comprises:
Issue to businessman and identify bag, described identification bag at least comprises the identifier of described businessman;
To receive in server from the described identification bag with user-dependent calculation element, described user wishes to pay described businessman, and the described user of wherein said identification bag utilizes described calculation element to obtain from medium; With
Acknowledge message is sent to the device relevant to above-mentioned businessman from described server successfully perform the payment of described businessman to indicate.
2. method according to claim 1, is characterized in that, described identification bag also comprises digital digest, and described method also comprises:
The secure link created between described server and described calculation element is wrapped to receive described identification; With
Described digital digest is extracted whether certified to determine described identification bag from the identification bag of described reception.
3. method according to claim 2, is characterized in that, it also comprises:
After described server is determined the corresponding merchant bank information needed for the acceptable method of payment of described businessman and payment Settlement Network Problem by Using, impel described calculation element that the list of the spendable method of payment of described user is shown;
Wherein said list is created during calculation element to described in described server registration described user;
Accept the selection of described user between described spendable method of payment; With
Perform the described payment to described businessman.
4. method according to claim 2, is characterized in that, describedly identifies that bag also comprises multiple sites that described businessman has, the correspondence position of described site and/or corresponding site identifier.
5. method according to claim 1, is characterized in that, described medium is one or more in label, printed codes, blue-tooth device, sound, infrared source, radio sources and iBeacon source.
6. method according to claim 5, is characterized in that, described medium is arranged near cash desk, or provides described medium electronically when described businessman carries out at line service.
7. method according to claim 5, is characterized in that, described label is read by the near field communication interface of described calculation element.
8. method according to claim 5, is characterized in that, described printed codes is read by the camera of described calculation element.
9. method according to claim 8, wherein said printed codes is one dimension or two-dimensional bar.
10. method according to claim 1, is characterized in that, described calculation element is provided with module, and described module is used for registering described calculation element to described server.
11. methods according to claim 10, it is characterized in that, be installed on described module in described calculation element for accessing the payment application being provided with one or more safety element in described calculation element, wherein each payment application is by issue physical arrangements.
12. methods according to claim 1, is characterized in that, described user and described businessman conclude the business over data networks, describedly the described identification bag from calculation element is received in server comprises:
Determine that described identification bag is truly from the described calculation element of the module be provided with through described server authorizes, wherein said module is configured to read the payment application that configured by the safety element of described calculation element or outside intelligent card.
13. 1 kinds for promoting the mobile device of the payment transaction without point of sales terminal, described mobile device comprises:
For storing the storage space of a module;
Processor, it is connected to described storage space and performs following operation to run described module to impel described mobile device:
When user prepares the identification bag obtaining described businessman when making payment to businessman;
Create and wrap to send described identification with the secure link of server, wherein said server is configured to confirm that described identification bag is certified;
Determine how to make described payment according to the display on described mobile device;
After the described payment that described server performs described businessman, receive the confirmation that described payment has been performed successfully, wherein said businessman does not need to have described point of sales terminal and only receives from described server the acknowledge message that described payment has been received.
14. mobile devices according to claim 13, it is characterized in that, described identification bag also comprises digital digest, and described server extracts described digital digest with compared with the digital digest stored in the database of being correlated with described server by the digital digest of described extraction from the identification bag of described reception.
15. mobile devices according to claim 14, is characterized in that, describedly identify the site identifier that bag also comprises multiple sites of described businessman, the correspondence position of described site and/or correspondence.
16. mobile devices according to claim 13, wherein said medium is one or more in label, printed codes, blue-tooth device, sound, infrared ray and iBeacon source.
17. mobile devices according to claim 16, is characterized in that, also comprise:
Near field communication interface or camera are to read described label or described printed codes.
18. mobile devices according to claim 13, is characterized in that, described module is also made into for described server to register described mobile device.
19. mobile devices according to claim 18, it is characterized in that, the described module be installed in described calculation element is configured to access the payment application being provided with one or more safety element in described mobile device, and wherein each payment application is by issue physical arrangements.
20. mobile devices according to claim 13, is characterized in that, described user and described businessman conclude the business over data networks, and described module is configured to read the payment application that configured by the safety element of described mobile device or outside intelligent card.
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| CN201510368135.8A CN105096115B (en) | 2015-06-29 | 2015-06-29 | Electronic payment transaction method without point-of-sale terminal and mobile device |
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