CN105160526A - Payment method and system - Google Patents

Payment method and system Download PDF

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Publication number
CN105160526A
CN105160526A CN201510547917.8A CN201510547917A CN105160526A CN 105160526 A CN105160526 A CN 105160526A CN 201510547917 A CN201510547917 A CN 201510547917A CN 105160526 A CN105160526 A CN 105160526A
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CN
China
Prior art keywords
payment
mobile terminal
module
request
platform
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201510547917.8A
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Chinese (zh)
Inventor
陈业军
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
A Spirit Of Science And Technology (tianjin) Co Ltd
Original Assignee
A Spirit Of Science And Technology (tianjin) Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by A Spirit Of Science And Technology (tianjin) Co Ltd filed Critical A Spirit Of Science And Technology (tianjin) Co Ltd
Priority to CN201510547917.8A priority Critical patent/CN105160526A/en
Publication of CN105160526A publication Critical patent/CN105160526A/en
Pending legal-status Critical Current

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Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/085Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855Payment architectures involving remote charge determination or related payment systems involving a third party
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3278RFID or NFC payments by means of M-devices

Abstract

Embodiments of the invention disclose a payment method and system. The method comprises: a near field communication NFC module of a first mobile terminal sends a payment request to the NFC module of a second mobile terminal, and sends the payment request to a payment module of the first mobile terminal after encrypting the payment request; the NFC module of the second mobile terminal generates a payment instruction according to the payment request, and sends the payment instruction to the payment module of the second mobile terminal after encrypting the payment instruction; the payment module of the first mobile terminal and the payment module of the second mobile terminal respectively send the encrypted payment request and the encrypted payment instruction to a payment platform; and the payment platform processes the transaction according to the encrypted payment request and the encrypted payment instruction. The payment method and system disclosed by the embodiments of the invention are used for solving the problem of poor security of the existing mobile payment method and improving the security and convenience of mobile payment.

Description

A kind of method of payment and system
Technical field
The embodiment of the present invention relates to a kind of mobile payment technology, particularly relates to a kind of method of payment and system.
Background technology
At present, the NFC device of integrated near-field communication (NearFieldCommunication, NFC) chip can support three kinds of mode of operations: aggressive mode, Passive Mode and two-way mode.Under aggressive mode, NFC device can, as card reader, initiatively provide radio-frequency field to go to identify and other NFC device of read/write; Under Passive Mode, NFC device can as integrated circuit card (IntegratedCircuitCard, IC) by other NFC device read/write; Under two-way mode, NFC device both can provide radio-frequency field to go to identify and other equipment of read/write, also can as IC-card by other NFC device read/write.
In recent years, along with the fast development of internet and mobile network, on-line payment and mobile payment become the main modes of payments of ecommerce gradually.As emerging electronic payment mode, the various features such as mobile payment has whenever and wherever possible, convenient, fast.Along with the fast development of infotech, the portable wireless terminal of mobile phone and so on just little by little develops into the intelligent terminal can supporting the low-power consumption of various information service and various environment, ultralight amount, and this is that the development of mobile payment provides good hardware environment.
But existing method of mobile payment security is low, and trade company generally needs to possess sale teminal machine (PointOfSale, POS), not only costly also very inconvenient.
Summary of the invention
The invention provides a kind of method of payment and system, to improve security and the convenience of mobile payment.
First aspect, embodiments provide a kind of method of payment, the method comprises:
The near-field communication NFC module of the first mobile terminal is asked to the NFC module transmission payment of the second mobile terminal, and after described payment request being encrypted, sends the payment module of the first mobile terminal;
The NFC module of the second mobile terminal produces payment instruction according to described payment request, and after described payment instruction being encrypted, sends the payment module of the second mobile terminal;
The payment module of the first mobile terminal and the payment module of the second mobile terminal respectively encryption are paid request and encryption payment instruction sends payment platform;
Described payment platform pays request according to described encryption and encryption payment instruction carries out transaction processing.
Second aspect, the embodiment of the present invention additionally provides a kind of payment system, and this system comprises:
First mobile terminal, the second mobile terminal and payment platform;
Wherein, wherein, described first mobile terminal comprises NFC module and payment module, and described second mobile terminal comprises NFC module and payment module;
The NFC module of described first mobile terminal, sends for the NFC module to the second mobile terminal the request of payment, after described payment request encryption, sends the payment module of the first mobile terminal;
The NFC module of described second mobile terminal, for producing payment instruction according to described payment request, after described payment instruction encryption, sends the payment module of the second mobile terminal;
The payment module of described first mobile terminal and the payment module of described second mobile terminal, be respectively used to encryption be paid request and encryption payment instruction transmission payment platform;
Described payment platform, carries out transaction processing for paying request according to described encryption and encrypting payment instruction.
A kind of method of payment that the embodiment of the present invention provides and system, both parties can by means of only respective mobile terminal and payment platform mutual, transaction can be completed, without the need to the participation of POS, the convenient little trade company not possessing POS also can realize mobile payment quickly, in addition, when concluding the business at every turn, the mobile terminal of both parties is encrypted payment request or payment instruction by NFC module, improve security and the reliability of mobile payment, the fraud of fishing website and illegal identity user can be prevented, solve the problem that existing method of mobile payment security is low.
Accompanying drawing explanation
Fig. 1 is a kind of method of payment schematic flow sheet in the embodiment of the present invention one;
Fig. 2 is the structural representation of a kind of payment system in the embodiment of the present invention two;
Fig. 3 is the organizational structure schematic diagram of the payment platform in the embodiment of the present invention two.
Embodiment
Below in conjunction with drawings and Examples, the present invention is described in further detail.Be understandable that, specific embodiment described herein is only for explaining the present invention, but not limitation of the invention.It also should be noted that, for convenience of description, illustrate only part related to the present invention in accompanying drawing but not entire infrastructure.
Embodiment one
A kind of method of payment schematic flow sheet that Fig. 1 provides for the embodiment of the present invention one, the method of payment that the embodiment of the present invention provides is applicable to various consumption, transfer accounts, remit money and loaning bill etc. pays scene, specifically describe a NFC mobile terminal and another NFC mobile terminal, carried out the process paid by payment platform.For difference both parties, the present invention adopts " first " and " second " to distinguish different NFC mobile terminal, but not plays other restriction effects to NFC mobile terminal.The method of the present embodiment specifically comprises following operation:
The near-field communication NFC module of S110, the first mobile terminal is asked to the NFC module transmission payment of the second mobile terminal, and after described payment request being encrypted, sends the payment module of the first mobile terminal;
Exemplifying using the first mobile terminal as trade company's mobile terminal, serve as the role of card sender simulation; Second mobile terminal is the mobile terminal of buyer user, serves as the role that snap gauge is intended.Described mobile terminal can be the electronic equipment such as mobile phone or panel computer.For realizing NFC communication, in described first mobile terminal and described second mobile terminal, be provided with NFC module.Described NFC module can be such as NFC chip, can also comprise NFC applications client, when needs carry out mobile payment, is started the NFC applications client in respective NFC module by the first mobile terminal and the second mobile terminal respectively, sets up NFC and connects.First mobile terminal carries out by NFC applications client the input paying request, and sends to the NFC module of the second mobile terminal.For ensureing safety of payment, described payment request is encrypted by the NFC module of described first mobile terminal, obtains encryption and pays request, and send to the payment module of the first mobile terminal, complete follow-up payment transaction by the payment module of the first mobile terminal.Described payment module can be the electronic payment instruments such as the client of each payment platform, such as stored value card.
The NFC module of S120, the second mobile terminal produces payment instruction according to described payment request, and after described payment instruction being encrypted, sends the payment module of the second mobile terminal;
After the payment request that the NFC module that the NFC module of the second mobile terminal obtains the first mobile terminal by NFC communication sends, corresponding payment instruction is produced according to described payment request, for ensureing safety of payment, described payment instruction is encrypted by the NFC module of described second mobile terminal, obtain encryption payment instruction, and send to the payment module of the second mobile terminal, complete follow-up payment transaction by the payment module of the second mobile terminal.
Wherein said payment request comprises payment, shroff account number and transaction code, comprises payment, payment account number and transaction code according to the described payment instruction that the request of payment produces.Optional described payment instruction can also comprise payment cipher.Described shroff account number and payment account number can be bank card account number, can also be the accounts of various electronic payment instrument.Described shroff account number and payment account number can be one or more.
The payment module of S130, the first mobile terminal and the payment module of the second mobile terminal respectively encryption are paid request and encryption payment instruction sends payment platform;
After encryption is paid request and encryption payment instruction transmission payment platform by the payment module of the first mobile terminal and the payment module of the second mobile terminal respectively, payment platform pays request to described encryption and encryption payment instruction is mated, and verifies that whether this payment transaction is legal.
Wherein, the payment module of the first mobile terminal and the payment module of the second mobile terminal respectively encryption are paid request and encryption payment instruction transmission payment platform sends by carrier network or wireless network, and the embodiment of the present invention is not restricted.
It should be noted that, the NFC module of described first mobile terminal is encrypted described payment request and described payment instruction has been encrypted multiple implementation by the NFC module of the second mobile terminal, the present embodiment provides a kind of preferred implementation, the ciphering process of such as described payment information is by the electronic signature of electronic third-party business confirming center CA and digital authenticating, CA center is to the first mobile terminal and the corresponding private key of the second mobile terminal granting, and the NFC module of described first mobile terminal is encrypted described payment request by described private key; The NFC module of described second mobile terminal is encrypted described payment instruction by described private key; CA center is authorized corresponding PKI to payment platform and is decrypted, payment platform is decrypted the encryption payment instruction that the payment module that the encryption that the payment module of the first mobile terminal sends pays request and the second mobile terminal sends according to described PKI, obtains complete payment information and payment instruction.The cipher processing method that the embodiment of the present invention provides compared to traditional dynamic password cryptographic security and reliability higher, the fraud of fishing website and illegal identity user can be prevented.Thus guarantee the confidentiality of whole process of exchange, authenticity, integrality and security.
S140, described payment platform pay request according to described encryption and encryption payment instruction carries out transaction processing.
After payment platform is decrypted according to described encryption payment request and encryption payment instruction, this transaction processing can be carried out, such as in the payment account number of the second mobile terminal, deduct corresponding payment, in the shroff account number of the first mobile terminal, put corresponding payment under.
It should be noted that, the method for payment that the embodiment of the present invention provides is applicable to any one payment platform in bank paying platform, Third-party payment business platform and operator's payment platform.In whole process of exchange, mobile communications network plays bridge beam action, makes to set up reliable connection between payment platform and mobile terminal, and do not have unnecessary link, whole process is simple and reliable, and efficiency is very high.
The mobile terminal that present stage people often use is passed through NFC communication by the embodiment of the present invention, and combine with payment platform, realize mobile payment, eliminate expensive POS expense, and reduce the access threshold of trade company, user does not worry that mobile network signals is bad, or the situation that network speed is excessively slow, owing to obtaining as means of communication the request of payment by NFC near-field communication between mobile terminal, transmission range is near, speed is fast, makes listener-in have no chance to intercept the payment request of described transmission, enhances the security of channel.In addition, be encrypted payment request and payment instruction by NFC module, realize End to End Encryption, can prevent the privacy of buyer user and businessman from being revealed, its security is higher.
On the basis of above-described embodiment, optionally, after described payment platform carries out transaction processing according to described encryption payment request and encryption payment instruction, also comprise:
Described payment platform sends to the payment module of described first mobile terminal and/or the payment module of the second mobile terminal and pays feedback information.The benefit of such setting to notify whether the first mobile terminal and/or the transaction of the second mobile terminal successfully process in time.
Optionally, the NFC module of described first mobile terminal and/or the NFC module of the second mobile terminal, for NFC chip, and be provided with security module, the startup of payment transaction is controlled, optionally, for described NFC applications client arranges preset password by NFC applications client, after only having input preset password, described NFC applications client just can start payment transaction.Therefore, if mobile terminal is lost accidentally, lawless person also cannot use the payment transaction function of this mobile terminal, thus can avoid loss.
The method of above-described embodiment is more obvious for the advantage of small amount payment business.Because small amount payment transaction is frequent, so require higher treatment effeciency, as store as far as possible few information, processing speed as quickly as possible or communication speed fast as far as possible etc., as in the method for above-described embodiment when concluding the business at every turn, information transmission is carried out by NFC near-field communication as means of communication between the mobile terminal of both parties, transmission range is near, and speed is fast, and efficiency is high.By NFC module, payment request or payment instruction are encrypted simultaneously, improve security and the reliability of payment, under the certain security prerequisite of guarantee, given full play to higher treatment effeciency.And the omnidistance business of whole small amount payment business need is controlled, is participated in by terminal user, mobile e-business and payment platform tripartite.
Embodiment two
Figure 2 shows that the structural representation of a kind of payment system that the embodiment of the present invention two provides, as shown in Figure 2, this system specifically comprises: the first mobile terminal 210, second mobile terminal 220 and payment platform 230.
Wherein, the first mobile terminal 210, comprises NFC module 211 and payment module 212; Second mobile terminal 220, comprises NFC module 221 and payment module 222.The NFC module 211 of the first mobile terminal sends for the NFC module 221 to the second mobile terminal the request of payment, after described payment request encryption, sends the payment module 212 of the first mobile terminal; The NFC module 221 of the second mobile terminal, for producing payment instruction according to described payment request, after described payment instruction encryption, sends the payment module 222 of the second mobile terminal; The payment module 212 of the first mobile terminal and the payment module 222 of the second mobile terminal, be respectively used to encryption be paid request and encryption payment instruction transmission payment platform 230.Payment platform 230, transaction processing is carried out for paying request according to described encryption and encrypting payment instruction, also for after carrying out transaction processing according to described encryption payment request and encryption payment instruction, send to the payment module 212 of described first mobile terminal and/or the payment module 222 of the second mobile terminal and pay feedback information.The benefit of such setting to notify whether the first mobile terminal and/or the transaction of the second mobile terminal successfully process in time.
It should be noted that, described mobile terminal can be the electronic equipment such as mobile phone or panel computer.Described NFC module can be such as NFC chip, can also comprise NFC applications client.Described payment module can be the electronic payment instruments such as the client of each payment platform, such as stored value card.Described payment platform comprises: any one in bank paying platform, Third-party payment business platform and operator's payment platform.Described payment request comprises payment, shroff account number and transaction code, comprises payment, payment account number and transaction code according to the described payment instruction that the request of payment produces.Optional described payment instruction can also comprise payment cipher.Described shroff account number and payment account number can be Bank Account Numbers, can also be the accounts of various electronic payment instrument.Described shroff account number and payment account number can be one or more.
Preferably, payment platform comprises communication unit and payment unit two parts, and communication unit supports communication protocol, and payment unit supports payment arrangement, and communication unit can communicate mutually with payment unit.Payment platform can realize the access of Information Mobile Service business business, and is responsible for the functions such as communication, account management, transaction processing and accounting processing.
Concrete, the communication unit of described payment platform connects short message service center's platform by Short Message Peer to Peer, provides unified interface format to Information Mobile Service business, ensures efficiency and the reliability of communication;
The payment unit of described payment platform, provides the management of user's payment account, transaction processing and accounting processing; Wherein account management comprise open an account, move to bank transfer, bank to mobile transferring accounts, business registration, service cancellation, account is freezed, account is thawed, query the balance, inquire about transaction details, account closing and revise account password etc.; Transaction processing comprises payment and reimbursement etc.; Accounting processing comprises rolls account process, reconciliation process, ticket generation and account clearing etc.The payment unit of described payment platform can also provide the unified interface to Information Mobile Service business.
The organizational structure schematic diagram of a kind of payment platform that Fig. 3 provides for the embodiment of the present invention, as shown in Figure 3, described payment platform comprises draws account system, management system, payment processing system, database, user's access service and payment services interface.Draw account system and can perform the functions such as security control, account inquiry, business configuration, provide transparent stroke of account interface, automatically draw account module and bank card interface.Management system primary responsibility account is settled accounts, and system manages, and user management and account management, provide WEB server, and wherein account management comprises and opening an account and account closing etc.Payment processing system is mainly used in extracting payment information, the account information of such as receive, paying the bill.Database is for storing various data, and provide desired data, such as user profile data and service provider's information data etc. for drawing an account systems and management system, payment services interface provides access interface for outside mobile terminal simultaneously.User's access service by with note system, interactive voice answering (InteractiveVoiceResponse, IVR) system, Wireless Application Protocol (WirelessApplicationProtocol, WAP) system interconnect, realizes user's access.
Said system can perform the method that any embodiment of the present invention provides, and possesses the corresponding functional module of manner of execution and beneficial effect.
Note, above are only preferred embodiment of the present invention and institute's application technology principle.Skilled person in the art will appreciate that and the invention is not restricted to specific embodiment described here, various obvious change can be carried out for a person skilled in the art, readjust and substitute and can not protection scope of the present invention be departed from.Therefore, although be described in further detail invention has been by above embodiment, the present invention is not limited only to above embodiment, when not departing from the present invention's design, can also comprise other Equivalent embodiments more, and scope of the present invention is determined by appended right.

Claims (10)

1. a method of payment, is characterized in that, comprising:
The near-field communication NFC module of the first mobile terminal is asked to the NFC module transmission payment of the second mobile terminal, and after described payment request being encrypted, sends the payment module of the first mobile terminal;
The NFC module of the second mobile terminal produces payment instruction according to described payment request, and after described payment instruction being encrypted, sends the payment module of the second mobile terminal;
The payment module of the first mobile terminal and the payment module of the second mobile terminal respectively encryption are paid request and encryption payment instruction sends payment platform;
Described payment platform pays request according to described encryption and encryption payment instruction carries out transaction processing.
2. method of payment according to claim 1, is characterized in that, after described payment platform carries out transaction processing according to described encryption payment request and encryption payment instruction, also comprises:
Described payment platform sends to the payment module of described first mobile terminal and/or the payment module of the second mobile terminal and pays feedback information.
3. method of payment according to claim 1, is characterized in that, described payment platform comprises: any one in bank paying platform, Third-party payment business platform and operator's payment platform.
4. method of payment according to claim 1, is characterized in that, described payment request comprises payment, shroff account number and transaction code.
5. method of payment according to claim 1, is characterized in that, described payment instruction comprises payment, payment account number and transaction code.
6. a payment system, is characterized in that, comprising:
First mobile terminal, the second mobile terminal and payment platform;
Wherein, described first mobile terminal comprises near-field communication NFC module and payment module, and described second mobile terminal comprises NFC module and payment module;
The NFC module of described first mobile terminal, sends for the NFC module to the second mobile terminal the request of payment, after described payment request encryption, sends the payment module of the first mobile terminal;
The NFC module of described second mobile terminal, for producing payment instruction according to described payment request, after described payment instruction encryption, sends the payment module of the second mobile terminal;
The payment module of described first mobile terminal and the payment module of described second mobile terminal, be respectively used to encryption be paid request and encryption payment instruction transmission payment platform;
Described payment platform, carries out transaction processing for paying request according to described encryption and encrypting payment instruction.
7. payment system according to claim 6, it is characterized in that, described payment platform also for: after paying request and encryption payment instruction according to described encryption and carrying out transaction processing, also pay feedback information for sending to the payment module of described first mobile terminal and/or the payment module of the second mobile terminal.
8. payment system according to claim 6, is characterized in that, described payment platform comprises: any one in bank paying platform, Third-party payment business platform and operator's payment platform.
9. payment system according to claim 6, is characterized in that, described payment request comprises payment, shroff account number and transaction code.
10. payment system according to claim 6, is characterized in that, described payment instruction comprises payment, payment account number and transaction code.
CN201510547917.8A 2015-08-31 2015-08-31 Payment method and system Pending CN105160526A (en)

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Application publication date: 20151216