CN105608563A - Payment processing method, related equipment and payment processing system - Google Patents
Payment processing method, related equipment and payment processing system Download PDFInfo
- Publication number
- CN105608563A CN105608563A CN201610113227.6A CN201610113227A CN105608563A CN 105608563 A CN105608563 A CN 105608563A CN 201610113227 A CN201610113227 A CN 201610113227A CN 105608563 A CN105608563 A CN 105608563A
- Authority
- CN
- China
- Prior art keywords
- account
- mobile terminal
- money
- service equipment
- parameter
- 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
Links
Classifications
-
- 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
-
- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
Abstract
The invention discloses a payment processing method, related equipment and a payment processing system and is applied in the mobile communication technology field. The method comprises steps that a transaction request of a payment terminal including the transaction amount and a target account number is read by a mobile terminal, and the transaction request is sent to service equipment; the indication information sent by the service equipment is received by the mobile terminal and is used for indicating inputting an source account number; a source account number corresponding to an intelligent card is read by the mobile terminal, and the amount transfer information including the transaction amount, the source account number, the target account number and a third-party account number is generated; inputted pressure operation is responded by the mobile terminal, the amount transfer information is sent to the service equipment, the service equipment is made to deduct the transaction amount from the source account number and add the deducted transaction amount to the third-party account number, and the transaction amount is deducted from the third-party account number and is added to the target account number. According to the method, payment is realized through code scanning, and safety of the payment process can be improved.
Description
Technical field
The present invention relates to mobile communication technology field, relate in particular to a kind of payment processing method and relevant device,System.
Background technology
Along with the fast development of electronics and mechanics of communication, mobile phone becomes in people's daily life requisiteCommunication apparatus, nowadays mobile phone is except having the function of communication and online, also developed and paid accountFunction, mobile-phone payment is also referred to as mobile payment, be a kind of mobile subscriber of permission use mobile terminal to disappearA kind of method of service that account payment is carried out in the commodity of expense or service. Popular mobile-phone payment side at presentFormula has micro-letter to pay and Alipay pays, and they are mainly by mobile phone, payment software being installed, thenBind with bank card, in consumption, pay the mode of Quick Response Code for businessman's scanning by generationOr the mode of the gathering Quick Response Code that scanning businessman generates is automatically paid the bill, and these two kinds of modes are claimed respectivelyFor " payment " payment mode and " gathering " payment mode.
Adopt the most important characteristic of Quick Response Code " payment " payment mode to be exactly, in certain amount and number of timesExempt password, note dynamic code and any Information Authentication. The benefit of doing is like this to have simplified transaction flow,Shortened the time of payment, this is also the important embodiment that Quick Response Code pays convenience, is also that Quick Response Code payment pushes awayWide committed step. But apparent, the risk of this means of payment is very large, because anyoneAs long as can control mobile phone, just can control Quick Response Code, just can carry out payment transaction with Quick Response Code, and this feelingsShape is very general in the situation that mobile phone is lost.
On the other hand, under " gathering " payment mode, because the Quick Response Code of businessman may be utilized, plantEnter wooden horse, virus etc., after consumer is scanned Quick Response Code, mobile phone can jump to peer link institute automaticallyThe website of guiding, if the contained link correspondence of Quick Response Code is fishing website, or wooden horse download, consumptionPerson carries out corresponding operating, will make mobile phone poisoning, the information in user mobile phone is stolen, and then invadeEvil user's property.
Therefore, how to improve the security of payment process, prevent the leakage of consumer's personal information, therebyThe property loss of avoiding consumer is the difficult problem that industry is needed solution badly.
Summary of the invention
The embodiment of the present invention provides a kind of payment processing method and relevant device, system, does not need to pass throughThe mode of barcode scanning pays, and can improve the security of payment process.
Embodiment of the present invention first aspect discloses a kind of payment processing method, comprising:
Mobile terminal reads after the transaction request of cash receiving terminal, sends described transaction request to service equipment,Described transaction request comprises dealing money and target account;
Described mobile terminal receives the information that described service equipment sends, and described information is used for carryingShow input source account;
Described mobile terminal reads the source account that smart card is corresponding, and generation comprises described dealing money, instituteState the amount of money transinformation of source account, described target account and third party's account;
The pressing operation of described mobile terminal response input, sends the described amount of money to described service equipment and shiftsInformation, so that described service equipment is deducted described dealing money from the account of described source and by described trade goldVolume is added into described third party's account, then from described third party's account, deducts described dealing money and also willDescribed dealing money is added into described target account.
As the optional embodiment of one, describedly send described amount of money transinformation to described service equipmentBefore, described method also comprises:
Described acquisition for mobile terminal carries out by user the parameter of pressing that pressing operation generates, and to described clothesBusiness equipment is pressed parameter described in sending;
Receive described service equipment according to described in press parameter and determine the instruction being verified;
The pressing operation of described mobile terminal response input, sends the described amount of money to described service equipment and shiftsInformation, comprising:
The instruction being verified described in described mobile terminal response, sends the described amount of money to described service equipmentTransinformation.
As the optional embodiment of one, described acquisition for mobile terminal carries out pressing operation by user and is given birth toWhat become presses parameter, and presses parameter described in sending to described service equipment, comprising:
Finger print information, press pressure when described acquisition for mobile terminal carries out pressing operation by user and holdingThe continuous time, and send described finger print information, described press pressure and described continuing to described service equipmentTime.
Embodiment of the present invention second aspect discloses a kind of payment processing method, comprising:
Service equipment mobile terminal receive send transaction request, described transaction request comprise dealing money withAnd target account;
Described service equipment sends information to described mobile terminal, and described information is used for pointing out defeatedEnter source account;
Described service equipment receives the amount of money transinformation that described mobile terminal sends, wherein, and the described amount of moneyTransinformation generates after described mobile terminal reads the source account that smart card is corresponding, and the described amount of money shifts letterBreath comprises described dealing money, described source account, described target account and third party's account;
Described service equipment is deducted described dealing money and described dealing money is added from the account of described sourceTo described third party's account;
Described service equipment is deducted described dealing money and by described dealing money from described third party's accountBe added into described target account.
As the optional embodiment of one, described service equipment receives the amount of money that described mobile terminal sendsBefore transinformation, described method also comprises:
What described service equipment received that described mobile terminal sends undertaken by user that pressing operation generates byPress parameter, described in press parameter and comprise finger print information, press pressure and duration;
Described in described service equipment verification, press parameter whether consistent with the default parameter of pressing, if consistent,Described service equipment sends the instruction being verified to described mobile terminal.
The embodiment of the present invention third aspect discloses a kind of mobile terminal, comprising:
The first transmitting element, for reading after the transaction request of cash receiving terminal, described in sending to service equipmentTransaction request, described transaction request comprises dealing money and target account;
The first receiving element, the information sending for receiving described service equipment, described informationBe used for pointing out input source account;
Generation unit, for reading the source account that smart card is corresponding, and generate comprise described dealing money,The amount of money transinformation of described source account, described target account and third party's account;
The second transmitting element, for responding the pressing operation of input, sends described gold to described service equipmentVolume transinformation, so that described service equipment is deducted described in described dealing money general from the account of described sourceDealing money is added into described third party's account, then from described third party's account, deducts described trade goldVolume is also added into described target account by described dealing money.
As the optional embodiment of one, described mobile terminal also comprises:
The 3rd transmitting element, carries out for obtaining by user the parameter of pressing that pressing operation generates, and toDescribed service equipment is pressed parameter described in sending;
The second receiving element, for receive described service equipment according to described in press parameter and determine and be verifiedInstruction, and by the instruction being verified described in described the second transmitting element response, to described service equipmentSend described amount of money transinformation.
As the optional embodiment of one,
Described the 3rd transmitting element, finger print information while carrying out pressing operation specifically for obtaining by user,Press pressure and duration, and to described service equipment send described finger print information, described in press pressurePower and described duration.
Embodiment of the present invention fourth aspect discloses a kind of service equipment, comprising:
The first receiving element, the transaction request sending for mobile terminal receive, described transaction request comprisesDealing money and target account;
The first transmitting element, for sending information to described mobile terminal, described information is used forPrompting input source account;
The second receiving element, the amount of money transinformation sending for receiving described mobile terminal, wherein, instituteState amount of money transinformation and generate after described mobile terminal reads the source account that smart card is corresponding, the described amount of moneyTransinformation comprises described dealing money, described source account, described target account and third party's account;
The first buanch unit, for deducting described dealing money from described source account and by described trade goldVolume is added into described third party's account;
The second buanch unit, for deducting described dealing money from described third party's account and by described friendshipEasily the amount of money is added into described target account.
As the optional embodiment of one, described service equipment also comprises:
The 3rd receiving element, carries out pressing operation by user and is given birth to for what receive that described mobile terminal sendsWhat become presses parameter, described in press parameter and comprise finger print information, press pressure and duration;
Verification unit, whether consistent with the default parameter of pressing for pressing parameter described in verification, if consistent,Described service equipment sends the instruction being verified to described mobile terminal.
The embodiment of the present invention the 5th aspect discloses a kind of payment processing system, comprises mobile terminal, intelligenceCard, service equipment and cash receiving terminal:
Described mobile terminal, for reading after the transaction request of described cash receiving terminal, to described service equipmentSend described transaction request, described transaction request comprises dealing money and target account; Receive described clothesThe information that business equipment sends, described information is used for pointing out input source account; Read described intelligenceBlock corresponding source account, and generate comprise described dealing money, described source account, described target account withAnd the amount of money transinformation of third party's account; The pressing operation of response input, sends to described service equipmentDescribed amount of money transinformation;
Described service equipment, the transaction request sending for receiving described mobile terminal, described transaction requestComprise dealing money and target account; Send information, described information to described mobile terminalBe used for pointing out input source account; Receive the amount of money transinformation that described mobile terminal sends, wherein, described inAmount of money transinformation generates after described mobile terminal reads the source account that described smart card is corresponding, described goldVolume transinformation comprises described dealing money, described source account, described target account and third party's account;From the account of described source, deduct described dealing money and described dealing money is added into described third party's account;From described third party's account, deduct described dealing money and described dealing money is added into described target accountNumber.
As the optional embodiment of one,
Described mobile terminal, also turns for sending the described amount of money at described mobile terminal to described service equipmentBefore moving information, obtain by user and carry out the parameter of pressing that pressing operation generates, and establish to described servicePreparation is pressed parameter described in sending, wherein, described in press parameter and comprise finger print information, press pressure and holdThe continuous time; Receive described service equipment according to described in press parameter and determine the instruction being verified; Response instituteState the instruction being verified, send described amount of money transinformation to described service equipment;
Described service equipment, also carries out pressing operation institute for what receive that described mobile terminal sends by userWhat generate presses parameter, described in press parameter and comprise finger print information, press pressure and duration; SchoolDescribed in testing, press parameter whether consistent with the default parameter of pressing, if consistent, described service equipment is to describedMobile terminal sends the instruction being verified.
As the optional embodiment of one,
Between described mobile terminal and described service equipment, communicate by VPN VPN.
As can be seen from the above technical solutions, the embodiment of the present invention has the following advantages: mobile terminal readsCash receiving terminal comprises after the transaction request of dealing money and target account, sends this transaction to service equipmentRequest, mobile terminal receives the information that service equipment sends, for pointing out input source account, mobileTerminal reads the source account that smart card is corresponding, with generate comprise dealing money, source account, target account withAnd the amount of money transinformation of third party's account, further, the pressing operation of mobile terminal response input,Send amount of money transinformation to service equipment, so that service equipment is deducted above-mentioned dealing money from the account of sourceAnd be added into third party's account, then from third party's account, deduct above-mentioned dealing money and be added into targetAccount. Implement the embodiment of the present invention, do not need to pay by the mode of barcode scanning, can improve paymentThe security of process.
Brief description of the drawings
In order to be illustrated more clearly in the technical scheme in the embodiment of the present invention, in describing embodiment belowThe accompanying drawing of required use is briefly introduced, and apparently, the accompanying drawing in the following describes is only thisSome bright embodiment, for those of ordinary skill in the art, are not paying creative workPrerequisite under, can also obtain according to these accompanying drawings other accompanying drawing.
Fig. 1 is the method flow schematic diagram of the embodiment of the present invention;
Fig. 2 is the another kind of method flow schematic diagram of the embodiment of the present invention;
Fig. 3 is the another kind of method flow schematic diagram of the embodiment of the present invention;
Fig. 4 is the amount of money transinformation surface chart of a kind of mobile terminal of the embodiment of the present invention;
Fig. 5 is the structural representation of a kind of mobile terminal of the embodiment of the present invention;
Fig. 6 is the structural representation of the another kind of mobile terminal of the embodiment of the present invention;
Fig. 7 is the structural representation of the another kind of mobile terminal of the embodiment of the present invention;
Fig. 8 is the structural representation of a kind of service equipment of the embodiment of the present invention;
Fig. 9 is the structural representation of the another kind of service equipment of the embodiment of the present invention;
Figure 10 is the structural representation of the another kind of service equipment of the embodiment of the present invention;
Figure 11 is the structural representation of a kind of payment processing system of the embodiment of the present invention.
Detailed description of the invention
In order to make the object, technical solutions and advantages of the present invention clearer, below in conjunction with accompanying drawing to thisInvention is described in further detail, and obviously, described embodiment is only a part of enforcement of the present inventionExample, instead of whole embodiment. Based on the embodiment in the present invention, those of ordinary skill in the art existDo not make all other embodiment that obtain under creative work prerequisite, all belong to the present invention protectionScope.
The embodiment of the present invention provides a kind of payment processing method and relevant device, system, does not need to pass throughThe mode of barcode scanning pays, and can improve the security of payment process. Below be elaborated respectively.
Fig. 1 is the schematic flow sheet of the disclosed a kind of payment processing method of the embodiment of the present invention. Wherein, Fig. 1Shown payment processing method can comprise the following steps:
101, mobile terminal reads after the transaction request of cash receiving terminal, sends this transaction request to service equipment,Wherein, transaction request comprises dealing money and target account;
In the embodiment of the present invention, mobile terminal can comprise that smart mobile phone, panel computer, individual digital helpReason (PersonalDigitalAssistant, PDA) and mobile internet device (MobileInternetDevice, MID) etc. mobile terminal.
In the embodiment of the present invention, in the time that user pays the bill in shop, can first login third partyPayment platform is then opened the near-field communication (NearField of mobile terminal in third party's payment platformCommunication, NFC) function, the cash receiving terminal near shop by mobile terminal subsequently, thus canTo read on one's own initiative the transaction request of cash receiving terminal by near-field communication mode, read gathering at mobile terminalAfter the transaction request of terminal, this transaction request can be sent to service equipment. Wherein, near-field communicationA kind of radiotechnics of short distance high frequency, can be in 13.56MHz frequency run on 20 cm distance,Three kinds of what its transmission speed was common can have 106Kbit/ second, 212Kbit/ second or 424Kbit/ seconds.
In the embodiment of the present invention, that third party's payment platform can be that Alipay, An Futong, wealth are paid is logical, onThird party's payment platforms such as Hai Kuaiqian, the easy payment of online, the first letter of Net silver.
In the embodiment of the present invention, above-mentioned transaction request can comprise dealing money and target account, shouldDealing money represents user's the consumption amount of money, and it is also business that this target account also can be called as beneficiary accountThe account at family, further, above-mentioned transaction request can also comprise trading order form number, beneficiaryThe details such as Business Name, Personal name, product information.
In the embodiment of the present invention, between mobile terminal and service equipment, can pass through VPN(VirtualPrivateNetwork, VPN) communicates, and VPN VPN is a kind of in public affairsNetwork channel, by special scrambled, sets up the data transmission channel communication mode of secret altogether. EmptyThe message of intending dedicated network for example, transmits the net of Intranet through the public network architecture (: internet)Network message, it utilizes the channel protocol (TunnelingProtocol, TP) of having encrypted to reach secret, passThe private information security effects such as sending end certification, information accuracy.
102, mobile terminal receives the information that service equipment sends, for pointing out input source account;
In the embodiment of the present invention, third party's account of binding with third party's payment platform is to be exposed to the public to lookLine, for security consideration, before paying the bill, in third party's account, there is no the amount of money, when movingMoving terminal reads after transaction request by near-field communication mode, can send this transaction request to service equipment,When service equipment receives after the transaction request of mobile terminal transmission, can first inquire about in third party's accountAmount information, owing to being poor in third party's account, now, service equipment sends to mobile terminalInformation, this information is used for pointing out input source account, and this source account also can be called as transfer partyAccount, i.e. user's oneself bank card account number.
In the embodiment of the present invention, mobile terminal receives after the information of service equipment transmission, can be defeatedUser goes out this information, so that can select corresponding bank card to carry out delivery operation.
103, mobile terminal reads the source account that smart card is corresponding, and generate comprise dealing money, source account,The amount of money transinformation of target account and third party's account;
In the embodiment of the present invention, mobile terminal receive service equipment send for pointing out input source accountInformation after, user can be by mobile terminal near smart card, so that mobile terminal can be adoptedNear-field communication mode reads the source account that smart card is corresponding (being smart card account) on one's own initiative.
In the embodiment of the present invention, smart card be also known as integrated circuit card (IntegratedCircuitCard,IC-card), chip card, financial IC card or Unionpay's IC-card. Compared with conventional magnetic stripe card, smart card has peaceQuan Xinggao, utilize the advantages such as convenient and many application. In addition, smart card is except possessing conventional magnetic stripe card instituteThe consumption that has, withdraw the money, outside the function such as deposit, pre-authorization, can also support off line payment, rapid payment,The transaction of the characteristic such as integration consumption, can be widely used in finance, telecommunications, traffic, commerce and trade, social security, tax revenue,The aspects such as medical treatment, insurance.
In the embodiment of the present invention, after mobile terminal reads smart card account in near-field communication mode, canThis smart card account, third party's account are added in above-mentioned transaction request, comprise above-mentioned transaction to formThe amount of money transinformation of the amount of money, smart card account, target account and third party's account.
104, the pressing operation of mobile terminal response input, sends amount of money transinformation to service equipment, withMake service equipment from the account of source, deduct above-mentioned dealing money and be added into third party's account, then from the 3rdIn side's account, deduct above-mentioned dealing money and be added into target account.
As the optional embodiment of one, carry out at mobile terminal the amount of money that above-mentioned steps 103 generatesIn the interface of transinformation, can comprise and confirm payment button, correspondingly, confirm payment when user pressesAfter button, what mobile terminal can obtain user while pressing presses parameter, and this is pressed parameter and can compriseUser's finger print information, press pressure and duration, and send this to service equipment and press parameter,Service equipment receives this and presses after parameter, and this is pressed parameter and carries out verification, after verification is passed through, serviceEquipment to mobile terminal send verification by instruction, mobile terminal receive verification by instruction after, to clothesBusiness equipment sends above-mentioned amount of money transinformation, and service equipment receives after amount of money transinformation, first from sourceIn account (being smart card account), deduct user's the consumption amount of money and this consumption amount of money is added into third partyIn account, further, after the amount of money in third party's account just enough pays this consumption amount of money,Service equipment is deducted the amount of money in third party's account and this amount of money is added into target account (is trade company's accountNumber) in.
As the optional embodiment of one, before user pays the bill, can first pay third partyIn platform, carry out the binding of identity information. This identity information can comprise finger print information, and press pressure is heldThe continuous time.
Press pressure in the embodiment of the present invention, should be different from any pressure that touch-screen is subject to, shouldBelong to user and operate the pressure that touch-screen produces. Therefore can preset a pressure threshold, how to keep awayExempt from other pressure and misread, can be with reference to the experience in practical operation and concrete test result to this pressureThreshold value is set.
Further, during due to maloperation, press pressure is may instantaneous time very large, therefore can set oneIndividual compressing time length reduces the probability that this situation produces, and can preset a time threshold, toolBody adopts and how long is as the criterion and can determines by test, and as a rule this time can be longer than instantaneous pressingCause the general time of maloperation.
In the described method of payment of Fig. 1, mobile terminal read cash receiving terminal comprise dealing money andAfter the transaction request of target account, send this transaction request to service equipment, mobile terminal receives service and establishesThe information that preparation is sent, for pointing out input source account, mobile terminal reads the source account that smart card is correspondingNumber, comprise that to generate the amount of money of dealing money, source account, target account and third party's account shifts letterBreath, further, the pressing operation of mobile terminal response input, sends the amount of money to service equipment and shifts letterBreath, so that service equipment deducts above-mentioned dealing money and is added into third party's account from the account of source, thenFrom third party's account, deduct above-mentioned dealing money and be added into target account. Implement the embodiment of the present invention,Do not need to pay by the mode of barcode scanning, can improve the security of payment process.
Further, as shown in Figure 2, be the other method schematic flow sheet of the embodiment of the present invention, concreteAs follows:
201, the transaction request that service equipment mobile terminal receive sends, this transaction request comprises dealing moneyAnd target account;
In the embodiment of the present invention, the transaction request that service equipment can mobile terminal receive sends, wherein,Transaction request comprises dealing money and target account.
202, service equipment sends information to mobile terminal, for pointing out input source account;
In the embodiment of the present invention, after the transaction request that service equipment mobile terminal receive sends, first can look intoAsk the amount of money that whether has enough this consumption of payment in third party account, owing to being there is no money in third party's account, therefore, service equipment sends information to mobile terminal, for pointing out input source account.
203, the amount of money transinformation that service equipment mobile terminal receive sends, wherein, this amount of money shifts letterBreath generates after mobile terminal reads the source account that smart card is corresponding, comprises dealing money, source account, orderMark account and third party's account;
In the embodiment of the present invention, read by near-field communication mode the source account that smart card is corresponding at mobile terminalNumber, and generate the amount of money transfer letter that comprises dealing money, source account, target account and third party's accountAfter breath, mobile terminal sends this amount of money transinformation to service equipment.
204, service equipment is deducted above-mentioned dealing money and is added into third party's account from the account of source;
205, service equipment is deducted above-mentioned dealing money and is added into target account from third party's account.
In the embodiment of the present invention, the amount of money sending by step 203 service equipment mobile terminal receive shiftsAfter information, from the account of source, deduct above-mentioned dealing money and be added into third party's account, then from third partyIn account, deduct above-mentioned dealing money and be added into target account.
In the embodiment of the present invention, in the described payment processing method of Fig. 2, can also comprise following stepRapid:
What service equipment mobile terminal receive sent carries out by user the parameter of pressing that pressing operation generates,Wherein, press parameter and comprise finger print information, press pressure and duration;
Whether the above-mentioned parameter of pressing of service equipment verification is consistent with the default parameter of pressing, if consistent, to movingMoving terminal sends the instruction being verified.
In the embodiment of the present invention, before the amount of money transinformation sending at mobile terminal receive, service equipmentWhat mobile terminal receive sent carries out by user the parameter of pressing that pressing operation generates, and then verification is above-mentionedPress parameter whether consistent with the default parameter of pressing, thereby user's identity is verified.
In the described method of payment of Fig. 2, do not need to pay by the mode of barcode scanning Ke YitiThe security of high payment process.
Further, as shown in Figure 3, be the other method schematic flow sheet of the embodiment of the present invention, concreteAs follows:
301, mobile terminal reads the transaction request of cash receiving terminal, and wherein, transaction request comprises dealing moneyAnd target account;
302, send above-mentioned transaction request to service equipment;
In the embodiment of the present invention, can obtain the transaction request of cash receiving terminal by step 301, subsequently,Can send this transaction request to service equipment.
303, the transaction request that service equipment mobile terminal receive sends, and send prompting letter to mobile terminalBreath, this information is used for pointing out input source account;
As the optional embodiment of one, because third party's account is exposed to public view all the time, forSecurity consideration, before paying the bill, does not have the amount of money in third party's account, when mobile terminal passes throughNear-field communication mode reads after transaction request, can send this transaction request to service equipment, when service is establishedAfter the standby transaction request that receives mobile terminal transmission, can first inquire about the amount information in third party's account,Owing to being poor in third party's account, now, service equipment sends information to mobile terminal,This information is used for pointing out input source account, and this source account also can be called as transfer party account, usesThe bank card account number at family oneself.
304, mobile terminal reads the source account that smart card is corresponding;
In the embodiment of the present invention, mobile terminal receive service equipment send for pointing out input source accountInformation after, can export this prompting message, so that user can select corresponding bank cardAccount is carried out delivery operation.
305, mobile terminal generation comprises dealing money, source account, target account and third party's accountAmount of money transinformation;
In the embodiment of the present invention, mobile terminal reads after smart card account by near-field communication mode, canTo generate the amount of money transinformation that comprises dealing money, source account, target account and third party's account.
306, acquisition for mobile terminal carries out by user the parameter of pressing that pressing operation generates, and establishes to servicePreparation gives this to press parameter, wherein, press parameter comprise finger print information when user carries out pressing operation,Press pressure and duration;
In the embodiment of the present invention, after mobile terminal generates amount of money transinformation, can export an inquiryAsk interface, whether pay for inquiry, in this inquiry interface, can have an ACK button, canWith with reference to shown in Fig. 4, in the time that user presses ACK button, mobile terminal can obtain by user and press behaviourThat does to generate presses parameter, and sends this to service equipment and press parameter, for fear of user's mistake behaviourDo, this presses parameter can comprise finger print information, press pressure and duration.
What 307, service equipment mobile terminal receive sent carries out by user the ginseng of pressing that pressing operation generatesNumber, and verification this whether press parameter consistent with the default parameter of pressing;
In the embodiment of the present invention, can in third party's payment platform, carry out in advance the binding of identity information.This identity information can comprise finger print information, press pressure and duration.
If 308 is inconsistent, service equipment sends verification failed message to mobile terminal;
If 309 is consistent, service equipment sends and is verified instruction to mobile terminal;
In the embodiment of the present invention, when pressing parameter with the default parameter of pressing when inconsistent, service equipment is to movingMoving terminal sends verification failed message, and prompting user re-starts pressing operation, if consistent, service is establishedFor sending and be verified instruction to mobile terminal.
310, mobile terminal receives the instruction that is verified of also respond services equipment transmission, sends out to service equipmentServe and state amount of money transinformation;
In the embodiment of the present invention, mobile terminal receives being verified after instruction, of service equipment transmissionCan respond this and be verified instruction, send above-mentioned amount of money transinformation to service equipment.
311, service equipment is deducted above-mentioned dealing money and this dealing money is added into the 3rd from the account of sourceSide's account;
312, service equipment is deducted above-mentioned dealing money and this dealing money is added into from third party's accountTarget account.
In the embodiment of the present invention, in order to protect the safety of user's bank card account number, in paying the billCan first the money of bank card be proceeded to third party's account, proceed to again target account from third party's account subsequently.
By implementing the described method of payment of Fig. 3, do not need to pay by the mode of barcode scanning, canTo improve the security of payment process. In addition, the described method of payment of Fig. 3 is by means of third party's accountPay the bill to target account, utilize the more perfect safety verification measure of third party's payment platform, furtherImprove the security of payment process.
The embodiment of the present invention also provides a kind of mobile terminal, as shown in Figure 5, comprising:
The first transmitting element 501, for reading after the transaction request of cash receiving terminal, sends to service equipmentState transaction request, wherein, transaction request comprises dealing money and target account;
The first receiving element 502, the information sending for receiving service equipment, wherein, above-mentioned promptingInformation is used for pointing out input source account;
Generation unit 503, for reading the source account that smart card is corresponding, and generation comprises dealing money, sourceThe amount of money transinformation of account, target account and third party's account;
The second transmitting element 504, for responding the pressing operation of input, sends the above-mentioned amount of money to service equipmentTransinformation, so that service equipment is deducted above-mentioned dealing money and this dealing money is added from the account of sourceTo third party's account, then from third party's account, deduct above-mentioned dealing money and this dealing money is addedTo target account.
In the embodiment of the present invention, the specific implementation of each functional unit is in can reference method embodimentDescribe, the embodiment of the present invention will not repeated.
Further, as shown in Figure 6, Fig. 6 is another mobile terminal that the embodiment of the present invention providesStructural representation. Wherein, the mobile terminal shown in Fig. 6 is that mobile terminal as shown in Figure 5 carries out excellentChange obtains, and compared with the mobile terminal shown in Fig. 5, the mobile terminal shown in Fig. 6 can also comprise:
The 3rd transmitting element 505, carries out for obtaining by user the parameter of pressing that pressing operation generates, andSend this to service equipment and press parameter;
Second receiving element 506, determines and is verified according to the above-mentioned parameter of pressing for receiving service equipmentInstruction, and respond by the second transmitting element 504 instruction that this is verified, send above-mentioned to service equipmentAmount of money transinformation.
In the embodiment of the present invention, above-mentioned the 3rd transmitting element 505, presses specifically for obtaining by userFinger print information, press pressure and duration when operation, and send above-mentioned fingerprint letter to service equipmentBreath, above-mentioned press pressure and above-mentioned duration.
In the embodiment of the present invention, the specific implementation of the 3rd transmitting element 505, the second receiving element 506Description in can reference method embodiment, the embodiment of the present invention will not repeated.
Further, as shown in Figure 7, Fig. 7 is the disclosed another kind of mobile terminal of the embodiment of the present inventionStructural representation. As shown in Figure 7, this mobile terminal can comprise: at least one processor 701, for exampleCPU, at least one network interface 702, user interface 703, memory 704, NFC module 705,At least one communication bus 706. Wherein, communication bus 706 leads to for the connection realizing between these assembliesLetter, user interface 703 can comprise display screen (Display), keyboard (Keyboard) etc. Memory704 can be high-speed RAM memory, also can the unsettled memory (non-volatile of right and wrongMemory), for example at least one magnetic disc store. Memory 704 can also be optionally at least one positionIn the storage device away from aforementioned processing device 701. As shown in Figure 7, as a kind of computer-readable storage mediumMemory 704 in can comprise operating system, network communication module, Subscriber Interface Module SIM and the amount of moneyInformation branching program.
In the mobile terminal shown in Fig. 7, network interface 702 is mainly used in Connection Service equipment numberAccording to communication; And processor 701 can be for calling in memory 704 the amount information branching program of storage,And operation below carrying out:
Control NFC module 705 reads cash receiving terminal transaction request in near-field communication mode, wherein, hand overEasily request comprises dealing money and target account;
Control network interface 702 and receive the information that service equipment sends, and information is exported toUser interface 703, wherein information is used for pointing out input source account;
Control NFC module 705 reads smart card source account in near-field communication mode, and generation comprises friendshipThe easily amount of money transinformation of the amount of money, source account, target account and third party's account;
Receive user's pressing operation by user interface 703;
The pressing operation of response input, sends amount of money transinformation by network interface 702 to service equipment,So that service equipment is deducted above-mentioned dealing money and this dealing money is added into third party's account from the account of sourceNumber, then from third party's account, deduct above-mentioned dealing money and this dealing money is added into target account.
In the embodiment of the present invention, the amount information that processor 701 calls storage in memory 704 shifts journeyOrder, can also carry out following operation:
Obtain by user and carry out the parameter of pressing that pressing operation generates by user interface 703, and pass throughNetwork interface 702 sends this to service equipment and presses parameter, wherein, press parameter comprise finger print information,Press pressure and duration;
Control network interface 702 receives service equipment and determines according to the above-mentioned parameter of pressing the instruction being verified,And respond this instruction, send above-mentioned amount of money transinformation to service equipment, to make service equipment from source accountIn number, deduct above-mentioned dealing money and this dealing money is added into third party's account, then from third party's accountIn number, deduct above-mentioned dealing money and this dealing money is added into target account.
It should be noted that, the mobile terminal shown in Fig. 7 has only indicated in mobile terminal for carrying out thisThe assembly that the disclosed payment processing method of inventive embodiments is required, other that can possess for mobile terminalThe assembly embodiment of the present invention does not indicate, because this does not affect the realization of the embodiment of the present invention.
The embodiment of the present invention also provides a kind of service equipment, as shown in Figure 8, comprising:
The first receiving element 801, the transaction request sending for mobile terminal receive, wherein, transaction requestComprise dealing money and target account;
The first transmitting element 802, for sending information to mobile terminal, for pointing out input source account;
The second receiving element 803, the amount of money transinformation sending for mobile terminal receive, wherein, this goldVolume transinformation generates after mobile terminal reads the source account that smart card is corresponding, above-mentioned amount of money transinformationComprise dealing money, source account, target account and third party's account;
The first buanch unit 804, for deducting above-mentioned dealing money also by this trade gold from above-mentioned source accountVolume is added into third party's account;
The second buanch unit 805, for deducting above-mentioned dealing money also by this trade gold from third party's accountVolume is added into target account.
In the embodiment of the present invention, the specific implementation of each functional unit is in can reference method embodimentDescribe, the embodiment of the present invention will not repeated.
Further, as shown in Figure 9, Fig. 9 is another service equipment that the embodiment of the present invention providesStructural representation. Wherein, the service equipment shown in Fig. 9 is that service equipment as shown in Figure 8 carries out excellentChange obtains, and compared with the service equipment shown in Fig. 8, the service equipment shown in Fig. 9 can also comprise:
The 3rd receiving element 806, what send for mobile terminal receive carries out pressing operation by user and is generatedPress parameter, wherein, press parameter and comprise finger print information, press pressure and duration;
Verification unit 807, whether consistent with the default parameter of pressing for the above-mentioned parameter of pressing of verification, if consistent,Send to mobile terminal the instruction being verified.
Further, as shown in figure 10, Figure 10 is the disclosed another kind of service equipment of the embodiment of the present inventionStructural representation. As shown in figure 10, this service equipment can comprise: at least one processor 1001,For example CPU, at least one network interface 1002, user interface 1003, memory 1004, databaseUnit 1005, at least one communication bus 1006. Wherein, communication bus 1006 is for realizing these groupsConnection communication between part. User interface 1003 can comprise display screen (Display), keyboard (Keyboard)Deng. Memory 1004 can be high-speed RAM memory, also can the unsettled memory of right and wrong(non-volatilememory), for example at least one magnetic disc store. Memory 1004 optionally also canBeing that at least one is positioned at the storage device away from aforementioned processing device 1001. As shown in figure 10, as oneIn the memory 1004 of kind computer-readable storage medium, can comprise operating system, network communication module, userInterface module and amount information branching program.
In the service equipment shown in Figure 10, network interface 1002 is mainly used in connecting subscriber equipment numberAccording to communication, and processor 1001 can be for calling in memory 1004 the amount information branching program of storage,And operation below carrying out:
The transaction request sending by network interface 1002 mobile terminal receives, wherein, transaction request comprisesDealing money and target account;
Send information by network interface 1002 to mobile terminal, for pointing out input source account;
The amount of money transinformation sending by network interface 1002 mobile terminal receives, wherein, the amount of money shiftsInformation generates after mobile terminal reads by process communication mode the source account that smart card is corresponding, above-mentioned goldVolume transinformation comprises dealing money, source account, target account and third party's account;
From the account of source, deduct above-mentioned dealing money and this dealing money is added into third party's account;
From third party's account, deduct above-mentioned dealing money and this dealing money is added into target account.
In the embodiment of the present invention, the amount information that processor 1001 calls storage in memory 1004 shifts journeyOrder, can also carry out following operation:
Send by network interface 1002 mobile terminal receives undertaken by user that pressing operation generates byPress parameter, wherein, press parameter and comprise finger print information, press pressure and duration;
Whether verification above-mentioned to press the default parameter of pressing that parameter stores with Database Unit 1005 consistent if being, ifUnanimously, send the instruction being verified to mobile terminal by network interface 1002.
It should be noted that, the service equipment shown in Figure 10 has only indicated in service equipment for carrying out thisThe assembly that the disclosed payment processing method of inventive embodiments is required, other that can possess for service equipmentThe assembly embodiment of the present invention does not indicate, because this does not affect the realization of the embodiment of the present invention.
The embodiment of the present invention also provides a kind of payment processing system, and as shown in figure 11, this system can be wrappedDraw together mobile terminal 1101, smart card 1102, service equipment 1103 and cash receiving terminal 1104, wherein, mobileTerminal 1101 is connected by VPN VPN with service equipment 1103.
Mobile terminal 1101, for reading by near-field communication mode after the transaction request of cash receiving terminal 1104,Send this transaction request by VPN VPN to service equipment 1103, wherein, transaction request bagDraw together dealing money and target account;
Mobile terminal 1101, the information also sending for receiving service equipment 1103, wherein, promptingInformation is used for pointing out input source account;
Mobile terminal 1101, also for read the source account of smart card 1102 correspondences by near-field communication mode,And generation comprises the amount of money transinformation of dealing money, source account, target account and third party's account;
Mobile terminal 1101, also, for responding the pressing operation of input, sends above-mentioned to service equipment 1103Amount of money transinformation, so that service equipment 1103 is deducted above-mentioned dealing money from the account of source and by this transactionThe amount of money is added into third party's account, then from third party's account, deducts above-mentioned dealing money and by this transactionThe amount of money is added into target account.
In the embodiment of the present invention, mobile terminal 1101 also shifts letter for send the amount of money to service equipment 1103Before breath, obtain by user and carry out the parameter of pressing that pressing operation generates, and to 1103 of service equipmentsServe to state and press parameter, wherein, press parameter and comprise finger print information, press pressure and duration;
Service equipment 1103, what also send for mobile terminal receive 1101 carries out pressing operation institute by userWhat generate presses parameter, and whether the above-mentioned parameter of pressing of verification is consistent with the default parameter of pressing, if unanimously,Service equipment 1103 sends to mobile terminal 1101 instruction being verified;
Mobile terminal 1101, also determines that according to the above-mentioned parameter of pressing checking is logical for receiving service equipment 1103The instruction of crossing;
Mobile terminal 1101, the instruction of also passing through for response verification, sends above-mentioned to service equipment 1103Amount of money transinformation.
It should be noted that in the embodiment of above-mentioned payment processing method and relevant device, system, institute wrapsThe unit of drawing together is just divided according to function logic, but is not limited to above-mentioned division, onlyWant to realize corresponding function; In addition, the concrete title of each functional unit also just for the ease ofMutually distinguish, be not limited to protection scope of the present invention.
In the above-described embodiments, the description of each embodiment is all emphasized particularly on different fields, in certain embodiment, do not haveThe part describing in detail, can be referring to the associated description of other embodiment.
In addition, one of ordinary skill in the art will appreciate that realize whole in above-mentioned each embodiment of the method orPart steps is can carry out the hardware that instruction is relevant by program to complete, and corresponding program can be stored in onePlant in computer-readable recording medium, the above-mentioned storage medium of mentioning can be flash disk, read-only storage(Read-OnlyMemory, ROM), random access device (RandomAccessMemory, RAM),The various media that can be program code stored such as disk or CD.
These are only preferably detailed description of the invention of the present invention, but protection scope of the present invention is not limited toThis, any be familiar with those skilled in the art the embodiment of the present invention disclose technical scope in, canThe variation of expecting easily or replacement, within all should being encompassed in protection scope of the present invention. Therefore, the present inventionProtection domain should be as the criterion with the protection domain of claim.
Claims (13)
1. a payment processing method, is characterized in that, comprising:
Mobile terminal reads after the transaction request of cash receiving terminal, sends described transaction request to service equipment,Described transaction request comprises dealing money and target account;
Described mobile terminal receives the information that described service equipment sends, and described information is used for carryingShow input source account;
Described mobile terminal reads the source account that smart card is corresponding, and generation comprises described dealing money, instituteState the amount of money transinformation of source account, described target account and third party's account;
The pressing operation of described mobile terminal response input, sends the described amount of money to described service equipment and shiftsInformation, so that described service equipment is deducted described dealing money from the account of described source and by described trade goldVolume is added into described third party's account, then from described third party's account, deducts described dealing money and also willDescribed dealing money is added into described target account.
2. method according to claim 1, is characterized in that, describedly sends institute to described service equipmentBefore stating amount of money transinformation, described method also comprises:
Described acquisition for mobile terminal carries out by user the parameter of pressing that pressing operation generates, and to described clothesBusiness equipment is pressed parameter described in sending;
Receive described service equipment according to described in press parameter and determine the instruction being verified;
The pressing operation of described mobile terminal response input, sends the described amount of money to described service equipment and shiftsInformation, comprising:
The instruction being verified described in described mobile terminal response, sends the described amount of money to described service equipmentTransinformation.
3. method according to claim 2, is characterized in that, described acquisition for mobile terminal is entered by userWhat row pressing operation generated presses parameter, and presses parameter described in sending to described service equipment, comprising:
Finger print information, press pressure when described acquisition for mobile terminal carries out pressing operation by user and holdingThe continuous time, and send described finger print information, described press pressure and described continuing to described service equipmentTime.
4. a payment processing method, is characterized in that, comprising:
Service equipment mobile terminal receive send transaction request, described transaction request comprise dealing money withAnd target account;
Described service equipment sends information to described mobile terminal, and described information is used for pointing out defeatedEnter source account;
Described service equipment receives the amount of money transinformation that described mobile terminal sends, wherein, and the described amount of moneyTransinformation generates after described mobile terminal reads the source account that smart card is corresponding, and the described amount of money shifts letterBreath comprises described dealing money, described source account, described target account and third party's account;
Described service equipment is deducted described dealing money and described dealing money is added from the account of described sourceTo described third party's account;
Described service equipment is deducted described dealing money and by described dealing money from described third party's accountBe added into described target account.
5. method according to claim 4, is characterized in that, described service equipment receives described movementBefore the amount of money transinformation that terminal sends, described method also comprises:
What described service equipment received that described mobile terminal sends undertaken by user that pressing operation generates byPress parameter, described in press parameter and comprise finger print information, press pressure and duration;
Described in described service equipment verification, press parameter whether consistent with the default parameter of pressing, if consistent,Described service equipment sends the instruction being verified to described mobile terminal.
6. a mobile terminal, is characterized in that, comprising:
The first transmitting element, for reading after the transaction request of cash receiving terminal, described in sending to service equipmentTransaction request, described transaction request comprises dealing money and target account;
The first receiving element, the information sending for receiving described service equipment, described informationBe used for pointing out input source account;
Generation unit, for reading the source account that smart card is corresponding, and generate comprise described dealing money,The amount of money transinformation of described source account, described target account and third party's account;
The second transmitting element, for responding the pressing operation of input, sends described gold to described service equipmentVolume transinformation, so that described service equipment is deducted described in described dealing money general from the account of described sourceDealing money is added into described third party's account, then from described third party's account, deducts described trade goldVolume is also added into described target account by described dealing money.
7. mobile terminal according to claim 6, is characterized in that, described mobile terminal also comprises:
The 3rd transmitting element, carries out for obtaining by user the parameter of pressing that pressing operation generates, and toDescribed service equipment is pressed parameter described in sending;
The second receiving element, for receive described service equipment according to described in press parameter and determine and be verifiedInstruction, and by the instruction being verified described in described the second transmitting element response, to described service equipmentSend described amount of money transinformation.
8. mobile terminal according to claim 7, is characterized in that,
Described the 3rd transmitting element, finger print information while carrying out pressing operation specifically for obtaining by user,Press pressure and duration, and to described service equipment send described finger print information, described in press pressurePower and described duration.
9. a service equipment, is characterized in that, comprising:
The first receiving element, the transaction request sending for mobile terminal receive, described transaction request comprisesDealing money and target account;
The first transmitting element, for sending information to described mobile terminal, described information is used forPrompting input source account;
The second receiving element, the amount of money transinformation sending for receiving described mobile terminal, wherein, instituteState amount of money transinformation and generate after described mobile terminal reads the source account that smart card is corresponding, the described amount of moneyTransinformation comprises described dealing money, described source account, described target account and third party's account;
The first buanch unit, for deducting described dealing money from described source account and by described trade goldVolume is added into described third party's account;
The second buanch unit, for deducting described dealing money from described third party's account and by described friendshipEasily the amount of money is added into described target account.
10. service equipment according to claim 9, is characterized in that, described service equipment also comprises:
The 3rd receiving element, carries out pressing operation by user and is given birth to for what receive that described mobile terminal sendsWhat become presses parameter, described in press parameter and comprise finger print information, press pressure and duration;
Verification unit, whether consistent with the default parameter of pressing for pressing parameter described in verification, if consistent,Described service equipment sends the instruction being verified to described mobile terminal.
11. 1 kinds of payment processing systems, is characterized in that, comprise that mobile terminal, smart card, service establishStandby and cash receiving terminal:
Described mobile terminal, for reading after the transaction request of described cash receiving terminal, to described service equipmentSend described transaction request, described transaction request comprises dealing money and target account; Receive described clothesThe information that business equipment sends, described information is used for pointing out input source account; Read described intelligenceBlock corresponding source account, and generate comprise described dealing money, described source account, described target account withAnd the amount of money transinformation of third party's account; The pressing operation of response input, sends to described service equipmentDescribed amount of money transinformation;
Described service equipment, the transaction request sending for receiving described mobile terminal, described transaction requestComprise dealing money and target account; Send information, described information to described mobile terminalBe used for pointing out input source account; Receive the amount of money transinformation that described mobile terminal sends, wherein, described inAmount of money transinformation generates after described mobile terminal reads the source account that described smart card is corresponding, described goldVolume transinformation comprises described dealing money, described source account, described target account and third party's account;From the account of described source, deduct described dealing money and described dealing money is added into described third party's account;From described third party's account, deduct described dealing money and described dealing money is added into described target accountNumber.
12. according to system described in claim 11, it is characterized in that,
Described mobile terminal, also turns for sending the described amount of money at described mobile terminal to described service equipmentBefore moving information, obtain by user and carry out the parameter of pressing that pressing operation generates, and establish to described servicePreparation is pressed parameter described in sending, wherein, described in press parameter and comprise finger print information, press pressure and holdThe continuous time; Receive described service equipment according to described in press parameter and determine the instruction being verified; Response instituteState the instruction being verified, send described amount of money transinformation to described service equipment;
Described service equipment, also carries out pressing operation institute for what receive that described mobile terminal sends by userWhat generate presses parameter, described in press parameter and comprise finger print information, press pressure and duration; SchoolDescribed in testing, press parameter whether consistent with the default parameter of pressing, if consistent, described service equipment is to describedMobile terminal sends the instruction being verified.
13. according to system described in claim 11 or 12, it is characterized in that,
Between described mobile terminal and described service equipment, communicate by VPN VPN.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610113227.6A CN105608563A (en) | 2016-02-29 | 2016-02-29 | Payment processing method, related equipment and payment processing system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610113227.6A CN105608563A (en) | 2016-02-29 | 2016-02-29 | Payment processing method, related equipment and payment processing system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105608563A true CN105608563A (en) | 2016-05-25 |
Family
ID=55988485
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610113227.6A Pending CN105608563A (en) | 2016-02-29 | 2016-02-29 | Payment processing method, related equipment and payment processing system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN105608563A (en) |
Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106157027A (en) * | 2016-07-27 | 2016-11-23 | 北京小米移动软件有限公司 | Method of payment, device and system |
| CN106779653A (en) * | 2017-01-18 | 2017-05-31 | 世纪禾光科技发展（北京）有限公司 | Payment processing method and device |
| CN106875192A (en) * | 2017-02-27 | 2017-06-20 | 广东小天才科技有限公司 | A kind of method of payment and mobile device based on mobile device |
| CN106897874A (en) * | 2016-06-01 | 2017-06-27 | 阿里巴巴集团控股有限公司 | Method of mobile payment, apparatus and system |
| WO2018035729A1 (en) * | 2016-08-24 | 2018-03-01 | 北京小米移动软件有限公司 | Resource transfer method and device |
| CN108734452A (en) * | 2017-04-13 | 2018-11-02 | 阿里巴巴集团控股有限公司 | Internet resources transfer method, transfer account method and device |
| CN109493023A (en) * | 2018-10-17 | 2019-03-19 | 珠海横琴现联盛科技发展有限公司 | Mobile payment settle accounts calculation method based on anti-tamper Encryption Algorithm |
| WO2019071969A1 (en) * | 2017-10-09 | 2019-04-18 | 华为技术有限公司 | Payment method, unlocking method, and related terminal |
| CN111275431A (en) * | 2020-01-22 | 2020-06-12 | 维沃移动通信有限公司 | Transaction method and target electronic equipment |
| CN115456773A (en) * | 2022-08-26 | 2022-12-09 | 深圳市富途网络科技有限公司 | Payment control method, device, equipment and medium based on block chain |
Citations (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20120303483A1 (en) * | 2011-05-26 | 2012-11-29 | Kt Corporation | Near field communication (nfc)-based payment system and method |
| KR20140007628A (en) * | 2012-07-10 | 2014-01-20 | (주)에이티솔루션즈 | Method for mobile banking of account transfer using security confirmation processing |
| CN104063644A (en) * | 2014-06-25 | 2014-09-24 | 深圳市中兴移动通信有限公司 | Fingerprint identifying method, terminal and server |
| CN104574058A (en) * | 2013-10-25 | 2015-04-29 | 腾讯科技（深圳）有限公司 | Fingerprint payment method and related equipment and system |
| CN104601537A (en) * | 2014-09-23 | 2015-05-06 | 腾讯科技（深圳）有限公司 | Data transfer control method, related device and system |
| CN104899771A (en) * | 2014-09-26 | 2015-09-09 | 腾讯科技（深圳）有限公司 | Account data transfer method and related device and system |
| CN104899728A (en) * | 2014-09-23 | 2015-09-09 | 腾讯科技（深圳）有限公司 | Account data transfer method, relevant equipment and relevant system |
| CN104978652A (en) * | 2014-10-20 | 2015-10-14 | 腾讯科技（深圳）有限公司 | Data transfer method, relevant equipment and data transfer system |
-
2016
- 2016-02-29 CN CN201610113227.6A patent/CN105608563A/en active Pending
Patent Citations (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20120303483A1 (en) * | 2011-05-26 | 2012-11-29 | Kt Corporation | Near field communication (nfc)-based payment system and method |
| KR20140007628A (en) * | 2012-07-10 | 2014-01-20 | (주)에이티솔루션즈 | Method for mobile banking of account transfer using security confirmation processing |
| CN104574058A (en) * | 2013-10-25 | 2015-04-29 | 腾讯科技（深圳）有限公司 | Fingerprint payment method and related equipment and system |
| CN104063644A (en) * | 2014-06-25 | 2014-09-24 | 深圳市中兴移动通信有限公司 | Fingerprint identifying method, terminal and server |
| CN104601537A (en) * | 2014-09-23 | 2015-05-06 | 腾讯科技（深圳）有限公司 | Data transfer control method, related device and system |
| CN104899728A (en) * | 2014-09-23 | 2015-09-09 | 腾讯科技（深圳）有限公司 | Account data transfer method, relevant equipment and relevant system |
| CN104899771A (en) * | 2014-09-26 | 2015-09-09 | 腾讯科技（深圳）有限公司 | Account data transfer method and related device and system |
| CN104978652A (en) * | 2014-10-20 | 2015-10-14 | 腾讯科技（深圳）有限公司 | Data transfer method, relevant equipment and data transfer system |
Cited By (19)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US11100474B2 (en) | 2016-06-01 | 2021-08-24 | Advanced New Technologies Co., Ltd. | Mobile payment processing |
| US11100473B2 (en) | 2016-06-01 | 2021-08-24 | Advanced New Technologies Co., Ltd. | Mobile payment processing |
| CN106897874A (en) * | 2016-06-01 | 2017-06-27 | 阿里巴巴集团控股有限公司 | Method of mobile payment, apparatus and system |
| CN106157027B (en) * | 2016-07-27 | 2020-01-10 | 北京小米移动软件有限公司 | Payment method, device and system |
| CN106157027A (en) * | 2016-07-27 | 2016-11-23 | 北京小米移动软件有限公司 | Method of payment, device and system |
| WO2018035729A1 (en) * | 2016-08-24 | 2018-03-01 | 北京小米移动软件有限公司 | Resource transfer method and device |
| CN108064373A (en) * | 2016-08-24 | 2018-05-22 | 北京小米移动软件有限公司 | Resource transfers method and device |
| CN108064373B (en) * | 2016-08-24 | 2021-12-21 | 北京小米移动软件有限公司 | Resource transfer method and device |
| CN106779653A (en) * | 2017-01-18 | 2017-05-31 | 世纪禾光科技发展（北京）有限公司 | Payment processing method and device |
| CN106875192A (en) * | 2017-02-27 | 2017-06-20 | 广东小天才科技有限公司 | A kind of method of payment and mobile device based on mobile device |
| CN108734452B (en) * | 2017-04-13 | 2021-08-17 | 创新先进技术有限公司 | Internet resource transfer method, account transfer method and device |
| CN108734452A (en) * | 2017-04-13 | 2018-11-02 | 阿里巴巴集团控股有限公司 | Internet resources transfer method, transfer account method and device |
| CN113837732A (en) * | 2017-04-13 | 2021-12-24 | 创新先进技术有限公司 | Internet resource transfer method, account transfer method and device |
| WO2019071969A1 (en) * | 2017-10-09 | 2019-04-18 | 华为技术有限公司 | Payment method, unlocking method, and related terminal |
| CN109493023A (en) * | 2018-10-17 | 2019-03-19 | 珠海横琴现联盛科技发展有限公司 | Mobile payment settle accounts calculation method based on anti-tamper Encryption Algorithm |
| CN109493023B (en) * | 2018-10-17 | 2022-01-25 | 珠海横琴井通容智科技信息有限公司 | Mobile payment settlement method based on tamper-proof encryption algorithm |
| CN111275431A (en) * | 2020-01-22 | 2020-06-12 | 维沃移动通信有限公司 | Transaction method and target electronic equipment |
| CN115456773A (en) * | 2022-08-26 | 2022-12-09 | 深圳市富途网络科技有限公司 | Payment control method, device, equipment and medium based on block chain |
| CN115456773B (en) * | 2022-08-26 | 2024-03-15 | 深圳市富途网络科技有限公司 | Payment control method, device, equipment and medium based on blockchain |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN105608563A (en) | Payment processing method, related equipment and payment processing system | |
| US11295292B2 (en) | System built by connection between a mobile terminal and a service providing device, and service providing method | |
| CN105590198B (en) | Two-dimensional code payment method and payment system | |
| US20180114260A1 (en) | System, method, apparatus and computer program product for interfacing a multi-card radio frequency (rf) device with a mobile communications device | |
| KR101378180B1 (en) | Reader card system and method for reducing an interaction time in contactless transaction | |
| RU2520392C2 (en) | Electronic payment system and payment authorisation method | |
| US9117210B2 (en) | Systems and methods for randomized mobile payment | |
| CN104599408B (en) | Third party's account ATM withdrawal method and system based on dynamic two-dimension code | |
| CN104599121B (en) | Information transmission method, device and system | |
| US20140129422A1 (en) | Systems and methods for issuing mobile payment cards via a mobile communication network and internet-connected devices | |
| US20150161620A1 (en) | System and method for risk and fraud mitigation for merchant on-boarding | |
| CN105590214A (en) | Payment method and payment system based on virtual card | |
| CN104599112B (en) | A kind of information transferring method, device and system | |
| CN103999106A (en) | System and method of multi-factor balance inquiry and electronic funds transfer | |
| CN104601537B (en) | A kind of control method and relevant device, system of data transfer | |
| CN104504562A (en) | Mobile payment method and system | |
| KR20080044558A (en) | System and method for payment approval and program recording medium | |
| CN103366274A (en) | Hybrid e-commerce instant payment method | |
| CN104166916A (en) | Payment method and payment system | |
| KR20130089896A (en) | Portable device, payment device, payment agency server having dutch pay function, and payment method and agency method for payment | |
| CN104166908B (en) | Method of payment and payment system | |
| CN101872513B (en) | Data processing method, device and system based on POS (Point-Of-Sale) machine | |
| CN104899742A (en) | Data transfer method, mobile terminal and server | |
| CN104657858A (en) | Electronic wallet identity authentication method and device as well as mobile terminal | |
| CN108431848A (en) | The commission of transaction |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20160525 |
|
| RJ01 | Rejection of invention patent application after publication |