CN105279645A - Mobile payment method, mobile terminal and mobile payment system - Google Patents
Mobile payment method, mobile terminal and mobile payment system Download PDFInfo
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- CN105279645A CN105279645A CN201510262193.2A CN201510262193A CN105279645A CN 105279645 A CN105279645 A CN 105279645A CN 201510262193 A CN201510262193 A CN 201510262193A CN 105279645 A CN105279645 A CN 105279645A
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- payment
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- pay status
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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
Abstract
The present invention relates to the technical field of mobile communication, and discloses a mobile payment method. The method comprises acquiring near field communication (NFC) tag information of a commodity to be paid, the NFC tag information including payment state information of the commodity to be paid; receiving a payment confirmation command of a user to the commodity to be paid; if the payment state information of the commodity to be paid is non-payment state information, sending the payment confirmation command to a financial settlement server, thus to enable the financial settlement server to roll out a corresponding payment amount of the commodity to be paid from a payer account; and altering the payment state information in the NFC tag information of the commodity to be paid, and changing the payment state information from the non-payment state information to paid state information. A mobile terminal controlled by the above method and a payment system are also provided. The mobile payment method provided by the present invention is simple and convenient, repeated payment of the commodity to be paid can be avoided at the same time.
Description
Technical field
The present invention relates to mobile communication technology field, particularly relate to a kind of method of mobile payment, mobile terminal and mobile-payment system.
Background technology
Under existing line, the modes of payments adopts special messenger to collect money usually, supermarket or shop by employing cashier, by cashier commodity are checked and collect money, small change or reimbursement.But the existing modes of payments needs supermarket or shop to arrange multiple toll collection lanes and charge equipment, adds running cost; Meanwhile, the existing modes of payments often needs consumer to arrange team for a long time, reduces user's experience.
NFC (English full name NearFieldCommunication), i.e. wireless near field communication, it is a kind of short-range high frequency wireless communication technology, be mainly used in the handheld devices such as mobile phone, providing the M2M communication of (MachinetoMachine): as non-contact mobile payment, equipment can pay near the POS being embedded with NFC module by user, and confirms transaction.But current method of mobile payment only has the function of " payment ", and function ratio is more single.
Summary of the invention
Pay the problems such as inconvenience for overcoming in prior art, the embodiment of the present invention provides a kind of method of mobile payment on the one hand, comprising:
Obtain the near-field communication NFC tag information of commodity to be paid, this NFC tag information comprises the pay status information of commodity to be paid;
Receive the payment affirmation instruction that user treats payment for merchandise;
If the pay status information of commodity to be paid is non-pay status information, then sends payment affirmation instruction to financial settlement server, from disburser's account, produce payment corresponding to these commodity to be paid to make financial settlement server;
Change the pay status information in the NFC tag information of these commodity to be paid, pay status information is changed to pay status information by non-pay status information.
On the other hand, the embodiment of the present invention additionally provides a kind of mobile terminal, comprising:
First acquisition module, for obtaining the NFC tag information of above-mentioned commodity to be paid, above-mentioned NFC tag information comprises the information of pay status of commodity to be paid or non-pay status information;
First receiver module, indicates the payment affirmation of above-mentioned commodity to be paid for receiving user;
Payment module, for sending the instruction of above-mentioned payment affirmation to financial settlement server, produces payment corresponding to above-mentioned commodity to be paid to make above-mentioned financial settlement server from disburser's account;
First change module, for changing the pay status information in the NFC tag information of above-mentioned commodity to be paid, changes to pay status information by above-mentioned pay status information by non-pay status information.
Again on the one hand, the embodiment of the present invention also provides a kind of mobile-payment system, comprising:
NFC tag information, described NFC tag information comprises the pay status information of described commodity to be paid;
Mobile terminal, for obtaining described NFC tag information, the payment affirmation instruction or the reimbursement that receive user confirm instruction; Change the information of pay status in the NFC tag information of described commodity or non-pay status information;
Financial settlement server, for receiving the payment affirmation instruction that described mobile terminal sends, produces the payment that described commodity to be paid are corresponding from disburser's account; Or confirm instruction for the reimbursement that mobile terminal receive sends, the amount of money corresponding for described payment for merchandise is return disburser's account.
A kind of method of mobile payment that the embodiment of the present invention provides, by obtaining and judge the information of pay status of commodity to be paid, while sending the instruction of described payment affirmation to financial settlement server, the NFC tag information also changing these commodity to be paid changes to pay status information by non-pay status information, avoids these commodity to be paid to be repeated quickly and easily as many times as required payment.
A kind of mobile terminal that the embodiment of the present invention provides, the instruction of above-mentioned payment affirmation is sent to financial settlement server by the first acquisition module, the first receiver module, payment module, while making this financial settlement server produce payment corresponding to above-mentioned commodity to be paid from disburser's account, also by arranging the first change module, make in the NFC tag information of above-mentioned payment for merchandise, to change to pay status information, avoid these commodity to be paid to be repeated quickly and easily as many times as required payment.
Accompanying drawing explanation
In order to be illustrated more clearly in the technical scheme in the embodiment of the present invention, below the accompanying drawing used required in describing embodiment is briefly described, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.
Fig. 1 is the schematic flow sheet of the first embodiment of the method for mobile payment that the embodiment of the present invention provides;
Fig. 2 is the schematic flow sheet of the second embodiment of the method for mobile payment that the embodiment of the present invention provides;
Fig. 3 is the structural representation of the first embodiment of the mobile terminal that the embodiment of the present invention provides;
Fig. 4 is the structural representation of the second embodiment of the mobile terminal that the embodiment of the present invention provides;
Fig. 5 is the structural representation of the mobile-payment system that the embodiment of the present invention provides.
Embodiment
In order to make technical matters solved by the invention, technical scheme and beneficial effect 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.
Please refer to Fig. 1, be the schematic flow sheet of the first embodiment of method of payment of the present invention, this method of payment comprises:
Step S11, obtains the near-field communication NFC tag information of commodity to be paid, and NFC tag information comprises the pay status information of commodity to be paid.
In the present embodiment, user by holding mobile terminal, near the NFC label of commodity to be paid, can obtain NFC tag information.
Exemplary, this pay status information can be " non-pay status information " or " pay status information ".
Step S12, receives the payment affirmation instruction that user treats payment for merchandise.
Exemplary, the confirmation payment button that payment affirmation instruction can click mobile terminal by user sends.
Step S13, if the pay status information of commodity to be paid is non-pay status information, then sends payment affirmation instruction to financial settlement server, produces payment corresponding to commodity to be paid to make financial settlement server from disburser's account.
In the present embodiment, financial settlement server can be bank server, seller transaction server or third party transaction server.
In the present embodiment, if the pay status information of commodity to be paid be pay status information time, then can not to financial settlement server send payment affirmation instruction, avoid same commodity to be paid to be repeated quickly and easily as many times as required payment.
Step S14, changes the pay status information in the NFC tag information of commodity to be paid, and pay status information is changed to pay status information by non-pay status information.
A kind of method of mobile payment that the embodiment of the present invention provides, by obtaining and judge the information of pay status of commodity to be paid, while sending payment affirmation instruction to financial settlement server, the NFC tag information also changing these commodity to be paid changes to pay status information by non-pay status information, avoids these commodity to be paid to be repeated quickly and easily as many times as required payment.
Please refer to Fig. 2, be the schematic flow sheet of the second embodiment of method of mobile payment of the present invention, this method of mobile payment comprises:
Step S201, obtains the near-field communication NFC tag information of commodity to be paid, and NFC tag information comprises the pay status information of commodity to be paid.
This step is identical with the corresponding step in the first embodiment, repeats no more here.
Step S202, receives the payment affirmation instruction that user treats payment for merchandise.
This step is identical with the corresponding step in the first embodiment, repeats no more here.
Step S203, if the pay status information of commodity to be paid is non-pay status information, then sends payment affirmation instruction to financial settlement server, produces payment corresponding to commodity to be paid to make financial settlement server from disburser's account.
This step is identical with the corresponding step in the first embodiment, repeats no more here.
Step S204, changes the pay status information in the NFC tag information of commodity to be paid, and pay status information is changed to pay status information by non-pay status information.
In the present embodiment, user is before leaving supermarket or market, and can select reimbursement, reimbursement comprises the following steps:
Step S205, receives the reimbursement confirmation instruction that user treats payment for merchandise.
Exemplary, reimbursement confirms that the confirmation reimbursement button that instruction can click mobile terminal by user sends.
Step S206, sends reimbursement to financial settlement server and confirms instruction, to make financial settlement server, the amount of money corresponding for commodity to be paid is return disburser's account.
Step S207, changes the pay status information in the NFC tag information of commodity to be paid, and pay status information is changed to non-pay status information by pay status information.
In the present embodiment, change and can adopt the mode of covering, also can retain pay status information once, and upgrade up-to-date pay status information, be convenient to back the purchaser record looking into these commodity to be paid.
Step S208, safety check apparatus obtains the NFC tag information of commodity.
Safety check apparatus can be arranged on the outlet in supermarket or market, in order to the NFC tag information of automatic acquisition commodity.
Step S209, when NFC tag information comprise pay status information time, safety check apparatus starts clearance pattern, and NFC tag information is backed up to data aggregation server by safety check apparatus.
In the present embodiment, clearance pattern can allow user normal through safety check under the prerequisite of not trigger alarm.NFC tag information can be backed up to data aggregation server by NFC label, so that businessman adds up sales situation, avoids artificial input to occur poor reliability, inefficient situation.
Step S210, when NFC tag information comprises non-pay status information, safety check apparatus starts warning mode.
In the present embodiment, alarm mode is used for preventing user from unpaid commodity are taken away trader field, supermarket.
In the present embodiment, safety check apparatus can also be used for changing NFC tag information, does not support NFC reimbursement to make commodity to be paid.
Exemplary, when user carry commodity walk out supermarket or market time, NFC tag information changes to and does not support NFC reimbursement by safety check apparatus.If when at this moment user does not want to buy certain part commodity, then need to carry out reimbursement process by other approach.
In the present embodiment, safety check apparatus can effectively prevent user after leaving supermarket or market, and application NFC reimbursement, for seller brings loss.
In the present embodiment, if user needs to print shopping receipt, can also comprise:
Step S211, printing equipment obtains the NFC tag information of commodity.
Step S212, when NFC tag information comprise pay status information time, printing equipment prints the attribute information of commodity.
In the present embodiment, this printing equipment can be the normal printer of band NFC induction zone, also can be that other support the printer that NFC prints.This printing equipment can obtain the attribute information of the current all commodity to be paid of mobile terminal, and this attribute information can comprise the details such as trade name, the place of production, weight, time buying, shelf-life.
In the embodiment of the present invention, user can realize paying and reimbursement function by utilizing the NFC label of NFC functionality scan commodity to be paid, simple to operation; Meanwhile, safety check apparatus has function that is antitheft and statistics sales situation, and reliability is high; Again, after commodity to be paid are taken away supermarket by user, NFC reimbursement no longer supported by these commodity to be paid, effectively can prevent the NFC reimbursement behavior of malicious user, while guarantee NFC purchasing convenience, improve the safety and reliability of NFC shopping, ensured the interests of both parties.
Detailed introduction is done to the embodiment of method of mobile payment of the present invention above.Below the mobile terminal corresponding to said method is further elaborated.Wherein, mobile terminal can be mobile phone, panel computer, MP3, MP4 or notebook computer etc.
Please refer to Fig. 3, is the structural representation of the first embodiment of mobile terminal of the present invention, and the mobile terminal 100 in the embodiment of the present invention can method of mobile payment in the first embodiment to implement the above described method.
The mobile terminal 100 of the embodiment of the present invention comprises: the first acquisition module 110, first receiver module 120, payment module 130 and the first change module 140.
Wherein, the first acquisition module 110, is connected with the first receiver module 120, and for obtaining the NFC tag information of commodity to be paid, NFC tag information comprises the information of pay status of commodity to be paid or non-pay status information.
In the present embodiment, user by holding mobile terminal, near the NFC label of commodity to be paid, can obtain NFC tag information.
Exemplary, this NFC tag information can comprise " non-pay status information " or " pay status information ".
First receiver module 120, is connected with payment module 130, treats the payment affirmation instruction of payment for merchandise for receiving user.
Exemplary, the confirmation payment button that payment affirmation instruction can click mobile terminal by user sends.
Payment module 130, changes module 140 be connected with first, for sending payment affirmation instruction to financial settlement server, produces payment corresponding to commodity to be paid to make financial settlement server from disburser's account.
In the present embodiment, financial settlement server can be bank server, seller transaction server or third party transaction server.
In the present embodiment, if the NFC tag information of commodity to be paid be pay status information time, then can not to financial settlement server send payment affirmation instruction, avoid same commodity to be paid to be repeated quickly and easily as many times as required payment.
First change module 140, for changing the pay status information in the NFC tag information of commodity to be paid, changes to pay status information by pay status information by non-pay status information
A kind of mobile terminal that the embodiment of the present invention provides, the instruction of above-mentioned payment affirmation is sent to financial settlement server by the first acquisition module, the first receiver module, payment module, while making this financial settlement server produce payment corresponding to above-mentioned commodity to be paid from disburser's account, also by arranging the first change module, make in the NFC tag information of above-mentioned payment for merchandise, to change to pay status information, avoid these commodity to be paid to be repeated quickly and easily as many times as required payment.
Please refer to Fig. 4, is the structural representation of the second embodiment of mobile terminal of the present invention.The mobile terminal 200 of the embodiment of the present invention comprises the first acquisition module 210, first receiver module 220, payment module 230, first changes module 240, second receiver module 250, reimbursement module 260 and second changes module 270.
Wherein, the first acquisition module 210, is connected with the first receiver module 220, and for obtaining the NFC tag information of commodity to be paid, NFC tag information comprises the information of pay status of commodity to be paid or non-pay status information.
This module is identical with the respective modules in the first embodiment, repeats no more here.
First receiver module 220, is connected with payment module 230, treats the payment affirmation instruction of payment for merchandise for receiving user.
This module is identical with the respective modules in the first embodiment, repeats no more here.
Payment module 230, changes module 240 be connected with first, comprise the first transmitting element 231, payment unit 232 and payment information generation unit 233.
Wherein, the first transmitting element 231, is connected with payment unit 232, for sending payment affirmation instruction to financial settlement server.
In the present embodiment, financial settlement server can be bank server, seller transaction server or third party transaction server.
In the present embodiment, if the pay status information of commodity to be paid be pay status information time, then can not to financial settlement server send payment affirmation instruction, avoid same commodity to be paid to be repeated quickly and easily as many times as required payment.
Payment unit 232, is connected with payment information generation unit 233, produces payment corresponding to commodity to be paid for making financial settlement server from disburser's account.
Payment information generation unit 233, for generating pay status information.
In an embodiment, if when the NFC tag information of commodity to be paid is non-pay status information, then payment information generation unit 233 generates pay status information.
First change module 240, being connected with the second receiver module, for changing the pay status information in the NFC tag information of commodity to be paid, pay status information being changed to pay status information by non-pay status information.
This module is identical with the respective modules in the first embodiment, repeats no more here.
In the present embodiment, user, before leaving supermarket or market, can also select reimbursement, and mobile terminal 200 also comprises: the second receiver module 250, reimbursement module 260 and the second change module 270.
Wherein, the second receiver module 250, is connected with reimbursement module 260, and the reimbursement treating payment for merchandise for receiving user confirms instruction.
Exemplary, reimbursement confirms that the confirmation reimbursement button that instruction can click mobile terminal by user sends.
Reimbursement module 260, changes module 270 be connected with second, confirming instruction, to make financial settlement server, the amount of money corresponding for payment for merchandise being return disburser's account for sending reimbursement to financial settlement server.
In the present embodiment, reimbursement module can also comprise the second transmitting element 261, reimbursement unit 262 and reimbursement information generating unit 263, wherein:
Second transmitting element 261, is connected with reimbursement unit 262, confirms instruction for sending reimbursement to financial settlement server.
Reimbursement unit 262, is connected with reimbursement information generating unit 263, for making financial settlement server, the amount of money corresponding for payment for merchandise is return disburser's account.
Reimbursement information generating unit 263, for generating non-pay status information.
Second changing unit 270, for changing the non-pay status information in the NFC tag information of commodity to be paid, changes to non-pay status information by pay status information by pay status information.
In the present embodiment, change and can adopt the mode of covering, also can retain pay status information once, and upgrade up-to-date pay status information, be convenient to back the purchaser record looking into these commodity to be paid.
In the embodiment of the present invention, user can realize paying and reimbursement function by utilizing the NFC label of NFC functionality scan commodity to be paid, simple to operation, improves the experience of user.
Fig. 5 is the structural representation of mobile-payment system of the present invention.The mobile-payment system 300 of the embodiment of the present invention comprises NFC tag information 310, mobile terminal 320, financial settlement server 330, safety check apparatus 340 and printing equipment 350.
Wherein, NFC tag information 310, comprises the pay status information of commodity to be paid.
Exemplary, this pay status information can comprise " non-pay status information " or " pay status information ".
Mobile terminal 320, for obtaining NFC tag information 310, the payment affirmation instruction or the reimbursement that receive user confirm instruction; The information of pay status in the NFC tag information of change commodity or non-pay status information.
When user confirms to pay the bill to these commodity to be paid and after successful payment, mobile terminal 320 changes NFC tag information 310 for pay status information; When user confirms to carry out reimbursement to these commodity to be paid, and after successful reimbursement, it is non-pay status information that mobile terminal 320 changes NFC tag information 310.
Financial settlement server 330, for the payment affirmation instruction that mobile terminal receive 320 sends, produces payment corresponding to commodity to be paid from disburser's account; Or confirm instruction for the reimbursement that mobile terminal receive 320 sends, the amount of money corresponding for payment for merchandise is return disburser's account.
In the present embodiment, financial settlement server can be bank server, seller transaction server or third party transaction server.
Safety check apparatus 340, for obtaining the NFC tag information 310 of commodity.
When NFC tag information comprise pay status information time, safety check apparatus starts clearance pattern, and NFC tag information is backed up to data aggregation server; NFC tag information is backed up to data aggregation server by safety check apparatus.
In the present embodiment, clearance pattern can allow user normal through safety check under the prerequisite of not trigger alarm.NFC tag information can be backed up to data aggregation server by NFC label, so that businessman adds up sales situation, avoids artificial input to occur poor reliability, inefficient situation.
When NFC tag information comprises non-pay status information, safety check apparatus starts warning mode.
In the present embodiment, alarm mode is used for preventing user from unpaid commodity are taken away trader field, supermarket.
In the present embodiment, safety check apparatus can also be used for changing NFC tag information 310, does not support NFC reimbursement to make commodity to be paid.
Exemplary, when user carry commodity walk out supermarket or market time, NFC tag information changes to and does not support NFC reimbursement by safety check apparatus.If when at this moment user does not want to buy certain part commodity, then need to carry out reimbursement process by other approach.
In the present embodiment, safety check apparatus can effectively prevent user after leaving supermarket or market, and application NFC reimbursement, for seller brings loss.
Printing equipment 350, for obtaining the NFC tag information 310 of commodity.
When NFC tag information comprise pay status information time, printing equipment prints the attribute information of commodity.
In the present embodiment, this printing equipment 350 can be the normal printer of band NFC induction zone, also can be that other support the printer that NFC prints.This printing equipment 350 can obtain the attribute information of the current all commodity to be paid of mobile terminal, and this attribute information can comprise the details such as trade name, the place of production, weight, time buying, shelf-life.
In the embodiment of the present invention, user can realize paying and reimbursement function by utilizing the NFC label of NFC functionality scan commodity to be paid, simple to operation; Meanwhile, safety check apparatus has function that is antitheft and statistics sales situation, and reliability is high; Again, after commodity to be paid are taken away supermarket by user, NFC reimbursement no longer supported by these commodity to be paid, effectively can prevent the NFC reimbursement behavior of malicious user, while guarantee NFC purchasing convenience, improve the safety and reliability of NFC shopping, ensured the interests of both parties.
Those skilled in the art can be well understood to, for convenience and simplicity of description, only be illustrated with the division of above-mentioned each functional module, in practical application, can distribute as required and by above-mentioned functions and be completed by different functional modules, inner structure by device is divided into different functional modules, to complete all or part of function described above.The system of foregoing description, the specific works process of device and unit, with reference to the corresponding process in preceding method embodiment, can not repeat them here.
In several embodiments that the application provides, should be understood that disclosed mobile terminal and method of mobile payment can realize by another way.Such as, mobile terminal embodiment described above is only schematic, the division of module or unit, be only a kind of logic function to divide, actual can have other dividing mode when realizing, such as multiple unit or assembly can in conjunction with or another system can be integrated into, or some features can be ignored, or do not perform.Another point, shown or discussed coupling each other or direct-coupling or communication connection can be by some interfaces, and the indirect coupling of device or unit or communication connection can be electrical, machinery or other form.
The unit illustrated as separating component or can may not be and physically separates, and the parts as unit display can be or may not be physical location, namely can be positioned at a place, or also can be distributed in multiple network element.Some or all of unit wherein can be selected according to the actual needs to realize the object of embodiment of the present invention scheme.
In addition, each functional unit in each embodiment of the present invention can be integrated in a chip unit, also can be that the independent physics of unit exists, also can two or more unit in a unit integrated.Above-mentioned integrated unit both can adopt the form of hardware to realize, and the form of SFU software functional unit also can be adopted to realize.
If integrated unit using the form of SFU software functional unit realize and as independently production marketing or use time, can be stored in a computer read/write memory medium.Based on such understanding, the part that technical scheme of the present invention contributes to prior art in essence in other words or all or part of of this technical scheme can embody with the form of software product, this computer software product is stored in a storage medium, comprising instruction in order to make a computer equipment (can be personal computer, server, or the network equipment etc.) or processor (processor) perform all or part of step of each embodiment method of the present invention.And aforesaid storage medium comprises: USB flash disk, portable hard drive, ROM (read-only memory) (ROM, Read-OnlyMemory), random access memory (RAM, RandomAccessMemory), magnetic disc or CD etc. various can be program code stored medium.
These are only preferred embodiment of the present invention, not in order to limit the present invention, all any amendments done within the spirit and principles in the present invention, equivalent replacement and improvement etc., all should be included within protection scope of the present invention.
Claims (12)
1. a method of mobile payment, is characterized in that, comprising:
Obtain the near-field communication NFC tag information of commodity to be paid, described NFC tag information comprises the pay status information of described commodity to be paid;
Receive user to indicate the payment affirmation of described commodity to be paid;
If the pay status information of described commodity to be paid is non-pay status information, then sends the instruction of described payment affirmation to financial settlement server, from disburser's account, produce payment corresponding to described commodity to be paid to make described financial settlement server;
Change the pay status information in the NFC tag information of described commodity to be paid, described pay status information is changed to pay status information by non-pay status information.
2. method of mobile payment as claimed in claim 1, is characterized in that, described pay status information is changed to the step of pay status information by non-pay status information after, also comprise:
Receive user and instruction is confirmed to the reimbursement of described commodity to be paid;
Send described reimbursement to financial settlement server and confirm instruction, to make described financial settlement server, the amount of money corresponding for described commodity to be paid is return described disburser's account;
Change the pay status information in the NFC tag information of described commodity to be paid, described pay status information is changed to non-pay status information by pay status information.
3. the method for mobile payment as described in any one of claim 1 or 2, is characterized in that, also comprise:
Safety check apparatus obtains the NFC tag information of commodity,
When described NFC tag information comprise pay status information time, described safety check apparatus starts clearance pattern;
When described NFC tag information comprises non-pay status information, described safety check apparatus starts warning mode.
4. method of mobile payment as claimed in claim 3, it is characterized in that, after described safety check apparatus obtains the NFC tag information of commodity, also comprise information back-up step: when described NFC tag information comprise pay status information time, described NFC tag information is backed up to data aggregation server by described safety check apparatus.
5. the method for mobile payment as described in any one of claim 1 or 2, is characterized in that, also comprise information printing step:
Printing equipment obtains the NFC tag information of commodity,
When described NFC tag information comprise pay status information time, described printing equipment prints the attribute information of described commodity.
6. a mobile terminal, is characterized in that, comprising:
First acquisition module, for obtaining the NFC tag information of described commodity to be paid, described NFC tag information comprises the information of pay status of described commodity to be paid or non-pay status information;
First receiver module, indicates the payment affirmation of described commodity to be paid for receiving user;
Payment module, for sending the instruction of described payment affirmation to financial settlement server, produces payment corresponding to described commodity to be paid to make described financial settlement server from disburser's account;
First change module, for changing the pay status information in the NFC tag information of described commodity to be paid, changes to pay status information by described pay status information by non-pay status information.
7. mobile terminal as claimed in claim 6, it is characterized in that, described payment module comprises:
First transmitting element, for sending the instruction of described payment affirmation to financial settlement server;
Payment unit, produces payment corresponding to described commodity to be paid for making described financial settlement server from disburser's account;
Payment information generation unit, for generating pay status information.
8. mobile terminal as claimed in claim 6, it is characterized in that, described mobile terminal also comprises:
Second receiver module, confirms instruction for receiving user to the reimbursement of described commodity to be paid;
Reimbursement module, confirms instruction for sending described reimbursement to financial settlement server, to make described financial settlement server, the amount of money corresponding for described payment for merchandise is return disburser's account;
Second change module, for changing the non-pay status information in the NFC tag information of described commodity to be paid, changes to non-pay status information by described pay status information by pay status information.
9. mobile terminal as claimed in claim 8, it is characterized in that, described reimbursement module comprises:
Second transmitting element, confirms instruction for sending described reimbursement to financial settlement server;
Reimbursement unit, returns disburser's account for making described financial settlement server by the amount of money corresponding for described payment for merchandise;
Reimbursement information generating unit, for generating non-pay status information.
10. a mobile-payment system, is characterized in that, comprising:
NFC tag information, described NFC tag information comprises the pay status information of described commodity to be paid;
Mobile terminal, for obtaining described NFC tag information, the payment affirmation instruction or the reimbursement that receive user confirm instruction; Change the information of pay status in the NFC tag information of described commodity or non-pay status information;
Financial settlement server, for receiving the payment affirmation instruction that described mobile terminal sends, produces the payment that described commodity to be paid are corresponding from disburser's account; Or confirm instruction for the reimbursement that mobile terminal receive sends, the amount of money corresponding for described payment for merchandise is return disburser's account.
11. mobile-payment systems as claimed in claim 10, is characterized in that, also comprise safety check apparatus, for obtaining the NFC tag information of commodity;
When described NFC tag information comprise pay status information time, described safety check apparatus starts clearance pattern, and described NFC tag information is backed up to data aggregation server;
When described NFC tag information comprises non-pay status information, described safety check apparatus starts warning mode.
12. mobile-payment systems as claimed in claim 10, is characterized in that, also comprise printing equipment, for obtaining the NFC tag information of commodity;
When described NFC tag information comprise pay status information time, described printing equipment prints the attribute information of described commodity.
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| CN201510262193.2A CN105279645A (en) | 2015-05-21 | 2015-05-21 | Mobile payment method, mobile terminal and mobile payment system |
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| CN201510262193.2A CN105279645A (en) | 2015-05-21 | 2015-05-21 | Mobile payment method, mobile terminal and mobile payment system |
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| CN107423967A (en) * | 2016-05-24 | 2017-12-01 | 流动信用卡费公司 | Simple mobile-payment system |
| CN109325772A (en) * | 2018-09-30 | 2019-02-12 | 泰康保险集团股份有限公司 | A kind of business accounting processing method and processing device |
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