CN105184556A - Bluetooth-based mobile payment system and payment method - Google Patents
Bluetooth-based mobile payment system and payment method Download PDFInfo
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- CN105184556A CN105184556A CN201510494321.6A CN201510494321A CN105184556A CN 105184556 A CN105184556 A CN 105184556A CN 201510494321 A CN201510494321 A CN 201510494321A CN 105184556 A CN105184556 A CN 105184556A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention relates to a Bluetooth-based mobile payment system and payment method. The system comprises a payment terminal, a mobile terminal, a mobile payment background system, an authentication IC card and a financial cipher machine. The payment terminal is connected with a merchant order receiving system and is in Bluetooth wireless connection with the mobile terminal for sending a payment request to the mobile terminal. A master control module reads merchant identity information stored in the authentication IC card through a card reading module and carries out validity verification. The mobile terminal is in communication connection with the mobile payment background system through a communication module and forwards and sends the payment request to the mobile payment background system via the communication module. The financial cipher machine is in conducted connection with the mobile payment background system and carries out decryption on the payment request so that the mobile payment background system can finish payment and deduction conveniently. In such a way, the system provided by the invention can be applied to a conventional mobile terminal generally having a Bluetooth function, replacement of the mobile terminal and an SIM card is unnecessary, the cost is saved, the security is high, the system is easily accepted by users and merchants, and popularization and application are easier.
Description
Technical field
The invention belongs to mobile payment technical field, particularly a kind of mobile-payment system based on bluetooth and method of payment.
Background technology
Mobile payment, allows user to use its mobile terminal (normally mobile phone) to carry out a kind of method of service of account payment to consumed commodity or service exactly; Whole mobile payment value chain comprises mobile operator, payment services business (such as bank, Unionpay etc.), application provider's (public transport, campus, government utility etc.), equipment supplier's (manufacturer terminal, card vendor, chip supplier etc.), system integrator, businessman and terminal user.
At present, mobile-payment system on market is all the payment system based on NFC technology, frequency of operation due to NFC technology is 13.56MHz, the mobile terminal such as smart mobile phone with NFC technology is little, when therefore applying these mobile-payment systems existing, user must change special mobile terminal, need common SIM card to be replaced by SWP-SIM card simultaneously, not only increase cost, and apply very trouble, inconvenience, greatly reduce the experience sensation of user; Existing mobile payment is not to the process of payment terminal certification in addition, and cannot stop the use of illegal payment terminal, payment safety is lower.
Summary of the invention
In order to solve the above-mentioned technical matters existed in prior art, the invention provides a kind of scope of application extremely wide, without the need to being replaced by NFC mobile terminal and SWP-SIM card, save application cost, security is high, is easily accepted by user and trade company, and it is easier to apply, popularity rate is higher, is conducive to the mobile-payment system based on bluetooth and the method for payment of market development.
For solving the problems of the technologies described above, the present invention adopts following technical scheme:
Based on a mobile-payment system for bluetooth, include payment terminal, mobile terminal, mobile payment background system, certification IC-card and financial cipher machine; Wherein,
Described payment terminal and trade company receive single system and are connected, it being provided with main control module, the first bluetooth module, carrying out the security module of encryption and decryption and the card reading module for reading trade company's identity information in certification IC-card to data, described first bluetooth module, security module are all connected with main control module conducting with card reading module, described main control module by card reading module read store in certification IC-card merchant identification information, carry out legitimate verification;
Described mobile terminal is provided with the second bluetooth module, communication module and payment application module, and described second bluetooth module is all connected with application module conducting with communication module;
And described payment terminal is by the second bluetooth module wireless connections of the first bluetooth module and mobile terminal, so that payment request is sent to mobile terminal; Described mobile terminal is connected by communication between communication module with mobile payment background system and passes through to pay application module asks to forward through communication module by payment to deliver to mobile payment background system; Described financial cipher machine is connected with the conducting of mobile payment background system, carries out encryption and decryption so that mobile payment background system completes payment, withholds to payment request.
Further, described card reading module is Contact Type Ic Card card reader or Contactless IC Card Reader.
Further, described mobile payment background system is the system adopting B/S framework, and its client adopts browser to be conducted interviews by cable network, and its server is Web Application Server.
Further, described mobile terminal is smart mobile phone or phone panel computer, and described communication module is GPRS module.
Based on a method of mobile payment for bluetooth, include following steps:
First, payment terminal receives the payment request sent by trade company's receipts single system;
Then, the merchant information that payment terminal reads certification IC-card carry out checking legal after, by the first bluetooth module to the payment request of mobile terminal transmission through security module encryption;
Then, the payment accounts of binding and payment ask to forward in the lump to deliver to mobile payment background system by communication module by the payment application module of mobile terminal;
Finally, mobile payment background system asks to be decrypted and to carry out payment from the payment accounts received to withhold to payment by financial cipher machine, and payment result is fed back to mobile terminal, then send to payment terminal by the payment application module of mobile terminal by the second bluetooth module.
Further, described " merchant information that payment terminal reads certification IC-card carry out verify legal " is specially: the main control module calls card reading module of described payment terminal sends checking instruction, and described checking instruction will be read the merchant information that stores in certification IC-card and be carried out legitimacy inspection.
The invention has the beneficial effects as follows:
The present invention passes through technique scheme, namely the mobile terminal of existing general bluetooth enable is applicable to, the scope of application is extremely wide, without the need to being replaced by special NFC mobile terminal and SWP-SIM card, greatly saves the application cost of mobile payment, payment safety is high, easily accepted by user and trade company, it is easier to apply, and popularity rate is higher, be conducive to market development, thus obtain business success.
Accompanying drawing explanation
Below in conjunction with accompanying drawing and specific embodiment, the invention will be further described:
Fig. 1 is the structural principle schematic block diagram of a kind of mobile-payment system embodiment based on bluetooth of the present invention;
Fig. 2 is the schematic flow sheet of the method for mobile payment of a kind of mobile-payment system based on bluetooth of the present invention.
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.
As shown in Figures 1 and 2:
Embodiments provide a kind of mobile-payment system based on bluetooth, include payment terminal 1, mobile terminal 2, mobile payment background system 3, (to certification IC-card 4 this certification IC-card 4 provide by mobile-payment system operator the card carrying out authentication to trade company, the key stored in it is identical with the key in financial cipher machine 5, and the mode by two-way authentication between payment terminal 1 confirms legitimacy mutually, to ensure that the user of payment terminal 1 is for legal.) and financial cipher machine 5 (this financial cipher machine 5 stores the key of financial payment systems, and inside is (SuSE) Linux OS, provides service, have data encrypting and deciphering function in TCP/IP mode.)。Wherein, described payment terminal 1 is wireless device, employing power module is powered, receive single system with trade company to be connected, it is provided with main control module 11, first bluetooth module 12, data are carried out to the security module 13 of encryption and decryption and (this main control module 11, first bluetooth module 12, security module 13 and card reading module 14 are prior art for the card reading module 14 that reads trade company's identity information in certification IC-card 4, its structure and principle of work are all identical with existing module, do not repeat them here.), described first bluetooth module 12, security module 13 are all connected with main control module 11 conducting with card reading module 14, described main control module 11 by card reading module 14 read store in certification IC-card 4 merchant identification information, carry out legitimate verification.Described mobile terminal 2 is provided with the second bluetooth module 21, communication module 22 and payment application module 23, and (this payment application module 23 is for paying application software, itself and the second bluetooth module 21 and communication module 22 are prior art, structure and principle of work are all identical with existing module, do not repeat them here.), described second bluetooth module 21 is all connected with application module 23 conducting with communication module 22.Described payment terminal 1 by the first bluetooth module 12 with the second bluetooth module 21 wireless connections of mobile terminal 2, so that payment request is sent to mobile terminal 2; Described mobile terminal 2 can be smart mobile phone or phone panel computer, described communication module 22 can be GPRS module, and described mobile terminal 2 is connected by communication between communication module 22 with mobile payment background system 3 and passes through to pay application module 23 asks payment to forward through communication module 22 to deliver to mobile payment background system 3; Described mobile payment background system 3 comprises the functional modules such as data storage, account settlement business, data analysis, it is the system of B/S (client/server) framework adopting high level language (as Java) to write, its client adopts browser to be conducted interviews by cable network, and its server is Web Application Server (as Tomcat application server).Described financial cipher machine 5 is connected with mobile payment background system 3 conducting, carries out encryption and decryption so that mobile payment background system 3 completes payment, withholds to payment request.
The method of mobile payment of the mobile-payment system based on bluetooth of the present invention, includes following steps:
Steps A. payment terminal 1 receives the payment request sent by trade company's receipts single system.
The merchant information that step B. payment terminal 1 reads certification IC-card carry out checking legal after, send payment request through security module 13 encryption by the first bluetooth module 12 to mobile terminal 2; Wherein, described " merchant information that payment terminal 1 reads certification IC-card carry out verify legal " is specially: the main control module 11 of described payment terminal calls card reading module 14 and sends checking instruction, and described checking instruction will be read the merchant information stored in certification IC-card 4 and carry out legitimacy inspection.
The payment accounts (consumer bank's account information) of binding and payment ask to forward in the lump to deliver to mobile payment background system 3 by communication module 22 by the payment application module 23 of step C. mobile terminal 2.
Step D. mobile payment background system 3 asks to be decrypted and to carry out payment from the payment accounts received to withhold to payment by financial cipher machine 5, and payment result is fed back to mobile terminal 2, then send to payment terminal 1 by the payment application module 23 of mobile terminal 2 by the second bluetooth module 21.
Like this, mobile-payment system based on bluetooth of the present invention and method of payment, namely the mobile terminal of existing general bluetooth enable is applicable to, the scope of application is extremely wide, without the need to being replaced by special NFC mobile terminal and SWP-SIM card, greatly save the application cost of mobile payment, and adopt the dual safety certification authority be made up of security module 13 and certification IC-card 4, effectively stop illegal payment terminal to use, payment safety is high; Therefore, easily accepted by user's (existing mobile phone users) and trade company, it is easier to apply, and popularity rate is higher, is conducive to market development, thus obtains business success.
The above is the preferred embodiment of the present invention; it should be pointed out that for those skilled in the art, under the premise without departing from the principles of the invention; can also make some improvements and modifications, these improvements and modifications are also considered as protection scope of the present invention.
Claims (6)
1. the mobile-payment system based on bluetooth, it is characterized in that, include payment terminal (1), mobile terminal (2), mobile payment background system (3), certification IC-card (4) and financial cipher machine (5); Wherein,
Described payment terminal (1) and trade company receive single system and are connected, it is provided with main control module (11), first bluetooth module (12), the security module (13) of encryption and decryption and the card reading module (14) for reading certification IC-card (4) interior trade company identity information are carried out to data, described first bluetooth module (12), security module (13) is all connected with main control module (11) conducting with card reading module (14), described main control module (11) reads the merchant identification information stored in certification IC-card (4) by card reading module (14), carry out legitimate verification,
Described mobile terminal (2) is provided with the second bluetooth module (21), communication module (22) and pays application module (23), and described second bluetooth module (21) is all connected with application module (23) conducting with communication module (22);
And described payment terminal (1) is by the second bluetooth module (21) wireless connections of the first bluetooth module (12) and mobile terminal (2), so that payment request is sent to mobile terminal (2); Described mobile terminal (2) is connected by communication between communication module (22) with mobile payment background system (3) and passes through to pay application module (23) asks to forward through communication module (22) by payment to deliver to mobile payment background system (3); Described financial cipher machine (5) is connected with mobile payment background system (3) conducting, carries out encryption and decryption so that mobile payment background system (3) completes payment, withholds to payment request.
2. the mobile-payment system based on bluetooth according to claim 1, is characterized in that, described card reading module (14) is Contact Type Ic Card card reader or Contactless IC Card Reader.
3. the mobile-payment system based on bluetooth according to claim 1 and 2, it is characterized in that, described mobile payment background system (3) is the system adopting B/S framework, and its client adopts browser to be conducted interviews by cable network, and its server is Web Application Server.
4. the mobile-payment system based on bluetooth according to claim 1 and 2, is characterized in that, described mobile terminal (2) is smart mobile phone or phone panel computer, and described communication module (22) is GPRS module.
5. based on a method of mobile payment for bluetooth, it is characterized in that, include following steps:
First, payment terminal (1) receives the payment request sent by trade company's receipts single system;
Then, the merchant information that payment terminal (1) reads certification IC-card carry out checking legal after, by the first bluetooth module (12) to the payment request of mobile terminal (2) transmission through security module (13) encryption;
Then, the payment accounts of binding is asked to forward in the lump and is delivered to mobile payment background system (3) with paying by communication module (22) by the payment application module (23) of mobile terminal (2);
Finally, mobile payment background system (3) asks to be decrypted and to carry out payment from the payment accounts received to withhold to payment by financial cipher machine (5), and payment result is fed back to mobile terminal (2), then send to payment terminal (1) by the payment application module (23) of mobile terminal (2) by the second bluetooth module (21).
6. the method for mobile payment based on bluetooth according to claim 5, it is characterized in that, described " merchant information that payment terminal (1) reads certification IC-card carry out verify legal " is specially: the main control module (11) of described payment terminal calls card reading module (14) and sends checking instruction, and described checking instruction will be read the merchant information stored in certification IC-card (4) and carry out legitimacy inspection.
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Cited By (9)
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| CN105427483A (en) * | 2015-12-28 | 2016-03-23 | 上海瀚银信息技术有限公司 | Automatic trading system |
| CN105718769A (en) * | 2016-01-13 | 2016-06-29 | 珠海保税区星汉智能卡股份有限公司 | Motor vehicle driver identity authentication method and system |
| CN107341664A (en) * | 2017-06-21 | 2017-11-10 | 深圳市欧乐在线技术发展有限公司 | A kind of payment application system and its implementation based on signaling network |
| CN107392588A (en) * | 2017-06-21 | 2017-11-24 | 深圳市欧乐在线技术发展有限公司 | A kind of payment mechanism and its implementation based on signaling network |
| CN107491954A (en) * | 2016-06-13 | 2017-12-19 | 邓斌涛 | Information interacting method, authentication and electronic fare payment system and method |
| CN108200563A (en) * | 2018-02-06 | 2018-06-22 | 浙江大学 | A kind of nfc card piece system of additional separate type bluetooth switching accessory |
| CN109034789A (en) * | 2017-06-08 | 2018-12-18 | 鸿骅科技股份有限公司 | Method for online payment, computer program product and mobile payment card thereof |
| CN109034785A (en) * | 2018-07-03 | 2018-12-18 | 四川科道芯国智能技术股份有限公司 | Application switching method and device |
| CN111741453A (en) * | 2020-05-29 | 2020-10-02 | 拉卡拉支付股份有限公司 | Bluetooth data encapsulation communication method and device |
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Cited By (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105427483A (en) * | 2015-12-28 | 2016-03-23 | 上海瀚银信息技术有限公司 | Automatic trading system |
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| CN109034789A (en) * | 2017-06-08 | 2018-12-18 | 鸿骅科技股份有限公司 | Method for online payment, computer program product and mobile payment card thereof |
| CN107341664A (en) * | 2017-06-21 | 2017-11-10 | 深圳市欧乐在线技术发展有限公司 | A kind of payment application system and its implementation based on signaling network |
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| CN108200563A (en) * | 2018-02-06 | 2018-06-22 | 浙江大学 | A kind of nfc card piece system of additional separate type bluetooth switching accessory |
| CN109034785A (en) * | 2018-07-03 | 2018-12-18 | 四川科道芯国智能技术股份有限公司 | Application switching method and device |
| CN109034785B (en) * | 2018-07-03 | 2021-02-02 | 四川科道芯国智能技术股份有限公司 | Application switching method and device |
| CN111741453A (en) * | 2020-05-29 | 2020-10-02 | 拉卡拉支付股份有限公司 | Bluetooth data encapsulation communication method and device |
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