CN106157020B - Method of mobile payment and mobile payment device - Google Patents
Method of mobile payment and mobile payment device Download PDFInfo
- Publication number
- CN106157020B CN106157020B CN201510183808.2A CN201510183808A CN106157020B CN 106157020 B CN106157020 B CN 106157020B CN 201510183808 A CN201510183808 A CN 201510183808A CN 106157020 B CN106157020 B CN 106157020B
- Authority
- CN
- China
- Prior art keywords
- payment
- mobile
- inventry
- transaction
- computer apparatus
- 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.)
- Active
Links
Abstract
A kind of method of mobile payment is suitable for a transaction computer apparatus and executes, it includes: receive payment inventry, transmission payment inventry to a payment mechanism server, provide payment inventry to a mobile payment device, and receive payment result.When payment mechanism server judges that the payment inventry received from payment mechanism is identical as received from the transaction payment inventry of computer apparatus, payment mechanism generates a payment request, and send payment request to payment mechanism server, according to one payment of the processing of payment inventry included by payment request.
Description
Technical field
The present invention relates to a kind of method of mobile payment and mobile payment device, more particularly to it is a kind of using near-field communication or
Mobile barcode realizes the method for mobile payment and mobile payment device of transaction security payment.
Background technique
Stored value card or plastic money such as bank card, credit card, debit card or smart card etc. must all use computer system
And numerical digit stored value systems such as reach value added and transfer accounts at the functions.Exist due to using stored value card or plastic money that can reduce customer
Carry necessity of too many cash when shopping, and hotel owner need not also be checked and accepted on the spot in customer payment the amount of money of cash correctly with
It is no, so, the efficiency and convenience of trading activity can be promoted.Thus in recent years, stored value card is widely received and is used.
However, function or card authentication measures that the Stored Value smart card of existing non-contact type is generally deficient of card certification are not
Foot.Card is once forged, the risk that hotel owner can only voluntarily bear a loss.
In addition, being handed over caused by each shopping when the Stored Value smart card using the existing non-contact type does shopping payment
Easily record would generally be stored in hotel owner end, but there is no be transferred into card issuing unit or payment machine immediately for this transaction records
Structure verifies the true and false of the Stored Value smart card, then requests for payment.It, just can be transaction by the gross but after terminating a business day
Record sends card issuing unit to or payment mechanism is requested for payment, that is this is settled accounts by the gross.When the journey settled accounts by the gross
Sequence not enough i.e. constantly, causes hotel owner failing to verify storage used in this each shopping through card issuing unit or payment mechanism
When being worth the true and false of smart card, and transaction is completed, this situation is exposed to hotel owner in the risk of loss.
Summary of the invention
It trades the purpose of the present invention is to provide a kind of permission processing in time and ensures the method for mobile payment of transaction security.
Method of mobile payment of the present invention is suitable for a transaction computer apparatus and executes, which can be with a mobile branch
Dispensing apparatus interaction, the transaction computer apparatus and the mobile payment device can be with a payment mechanism server communication, the mobile payments
Method includes:
Receive a payment inventry, the payment inventry be relevant to a transaction and one for the transaction payment；
The payment inventry is transmitted to the payment mechanism server；
When the transaction computer apparatus and the mutually adjacent mobile payment device, which is provided and gives the mobile payment
Equipment, which makes the mobile payment device send the payment inventry to the payment mechanism server, and works as the payment
Authority server judges the payment inventry received from the mobile payment device and the payment received from the transaction computer apparatus
When inventory is identical, which makes the mobile payment device be based at least one payment request of payment inventry generation, the payment
Request is for making the payment mechanism server handle the payment according to the payment inventry included by the payment request；And
A payment result is received from the payment mechanism server, which is after completing the payment by the payment
Authority server generates.
Method of mobile payment of the present invention is suitable for a mobile payment device and executes, which can be with a transaction electricity
Brain device interactive, the transaction computer apparatus and the mobile payment device can be with a payment mechanism server communication, the payment mechanisms
Server from the transaction computer apparatus receive a payment inventry, the payment inventry be relevant to a transaction and one for the transaction branch
It pays, which includes:
When the transaction computer apparatus and the mutually adjacent mobile payment device, the payment is obtained from the transaction computer apparatus
Inventory；
Send the payment inventry to the payment mechanism server；
When the payment mechanism server judge the payment inventry received from the mobile payment device with received from the transaction
When the payment inventry of computer apparatus is identical, a payment request is generated based on at least payment inventry；
The payment request is transmitted to the payment mechanism server, which makes the payment mechanism server according to the branch
It pays the included payment inventry of request and handles the payment；And
A payment result is received from the payment mechanism server, which is after completing the payment by the payment
Authority server generates.
Mobile payment device of the present invention can interact, the transaction computer apparatus and a payment mechanism with a transaction computer apparatus
Server communication, the payment mechanism server receive a payment inventry from the transaction computer apparatus, which is relevant to one
Transaction and one for the transaction payment, which includes: a mobile device, including a processor, a memory body
Unit, an information acquisition unit and a communication unit.The memory cell is coupled to the processor and one payment software of storage.It should
Information acquisition unit is coupled to the processor, and can interact with the transaction computer apparatus.The communication unit is coupled to the processor,
And it can be with the payment mechanism server communication.
Wherein, when the processor executes the payment software, which makes the mobile payment device:
When the transaction computer apparatus and the mutually adjacent mobile payment device, the payment is obtained from the transaction computer apparatus
Inventory,
Send the payment inventry to the payment mechanism server,
When the payment mechanism server judge the payment inventry received from the mobile payment device with received from the transaction
When the payment inventry of computer apparatus is identical, a payment request is generated based on at least payment inventry,
The payment request is transmitted to the payment mechanism server, which makes the payment mechanism server according to the branch
It pays the included payment inventry of request and handles the payment, and
A payment result is received from the payment mechanism server, which is after completing the payment by the payment
Authority server generates.
Beneficial effect of the invention is: by the payment inventry for comparing reception self-moving device and received from transaction electricity
The payment inventry of brain device, can detect whether payment inventry is changed in transmission process.In addition, corresponding by instant delivery
The payment request of payment inventry gives payment mechanism server, and the payment respectively traded can be handled in time.In this way, can keep away
Exempt from swindle payment or transaction records do not correspond to caused loss.
Detailed description of the invention
Fig. 1 is a block diagram, illustrates that a system includes a transaction computer apparatus and a mobile payment device；
Fig. 2 is a schematic diagram, illustrates that the mobile payment device can be communicated from different transaction computer apparatus；
Fig. 3 is a flow chart, illustrates the process step of the first embodiment of method of mobile payment of the present invention；
Fig. 4 to Figure 11 be painted it is a variety of in the different phase of method of mobile payment by the input/output of transaction computer apparatus
The message of the I/O unit of module and mobile device output；
Figure 12 is a flow chart, illustrates the process step of the second embodiment of method of mobile payment of the present invention；And
Figure 13 to Figure 16 is painted the input of multiple input/output modules by transaction computer apparatus and the mobile device/defeated
The message that unit is exported out, the message are relevant to a Mobile barcode.
Specific embodiment
The following describes the present invention in detail with reference to the accompanying drawings and embodiments.
Refering to fig. 1, a system 100 is adapted for carrying out a method of mobile payment, and method of mobile payment processing is for a transaction
A payment.System 100 includes an a transaction computer apparatus 1 and mobile payment device 2, for example, transaction computer apparatus 1 is
Held by a hotel owner, mobile payment device 2 is held by a consumer.Mobile payment device 2 includes a mobile device 20 and one
Payment Card 22, Payment Card 22 are removedly inserted in a card slot 26 of mobile device 20.Transaction computer apparatus 1 can with have
The mobile device 20 of Payment Card 22 interacts.Transaction computer apparatus 1 and mobile payment device 2 can be logical with a payment mechanism server 5
Letter.
Refering to fig. 1 and Fig. 2, in the present embodiment, transaction computer apparatus 1 can be a PC, a notebook computer
An or removable computer device etc..Transaction computer apparatus 1 needs to have network line function to execute a transaction software 120, the friendship
Easy software 120 can make transaction computer apparatus 1 execute method of mobile payment of the present invention.
Payment mechanism server 5 is operated by the payment mechanism for issuing Payment Card 22 to consumer.In this embodiment, machine is paid
Structure server 5 includes a transaction platform 3 and a payment mechanism system 4, and transaction platform 3 is used for and transaction computer apparatus 1 and movement
Device 20 communicates, and payment mechanism system 4 is coupled to transaction platform 3.In different state sample implementations, transaction platform 3 and payment machine
Construction system 4 can be integrated into a device (such as a server), be implemented alternatively, can be with two isolated devices, two separation
Device communicated via a dedicated channel or conversation mechanism.By taking the latter of aforementioned two kinds of state sample implementations as an example, transaction platform 3 can
To be to be operated (rather than payment mechanism) by a third party.
Trade computer apparatus 1 have a near-field communication (Near Field Communication, NFC) module 13 and including
The memory module 12, an input/output module 14, a communication module 15 and one for being stored with the transaction software 120 are coupled to
Memory module 12, near-field communication module 13, the processing module 11 of input/output module 14 and communication module 15.
In the present embodiment, the transaction computer apparatus 1 with near-field communication module 13 has near field communication (NFC) function, and close
Field communication module 13 is the external device (ED) of an ontology for being removably connected to transaction computer apparatus 1, such as the near field circumscribed USB
Communication device (dongle) or a USB near field communication reader (reader).In another state sample implementation, near-field communication module 13
It can be the built-in module of insertion transaction computer apparatus 1.Input/output module 14 may include one slide-mouse/keyboard, a touch
Screen or one loudspeaker/display screen etc., but not limited to this.Communication module 15 makes trade computer apparatus 1 and payment mechanism server 5
Communication can be established.
Mobile payment device 2 can be interacted with transaction computer apparatus 1.The mobile device 20 of mobile payment device 2 can be one
Smartphone or a tablet computer etc..Mobile device 20 includes a memory cell 27, card slot 26, an input/output
Unit 24, a short-range communication unit (a such as near field communication unit 23), a communication unit 25, an image pickup unit 28, and
One is coupled near field communication unit 23, I/O unit 24, communication unit 25, card slot 26, memory cell 27 and shadow
As the processor 21 of shooting unit 28.Memory cell 27 is stored with a payment software 270.Card slot 26 can for Payment Card 22
It plugs with removing, mobile device 20 is enable to access Payment Card 22.Near field communication unit 23 can be communicated with transaction computer apparatus 1.It is logical
Letter unit 25 can be communicated with payment mechanism server 5.In another state sample implementation, Payment Card 22 is coupled to an interface arrangement, should
Interface arrangement is to be coupled to mobile device 20 via a USB interface, and mobile device 20 is enable to access via the interface arrangement whereby
Payment Card 22.
In the present embodiment, near field communication unit 23 supports near field communication (NFC) function.I/O unit 24 may include one
Slide-mouse/keyboard, a touch screen or one loudspeaker/display screen etc., but not limited to this.The execution of processor 21 of mobile device 20 is deposited
It is stored in the payment software 270 of memory cell 27, payment software 270 makes 20 coordinated Payment Card 22 of mobile device execute this hair
Bright method of mobile payment.
When making transaction computer apparatus 1 and mobile device 20 located adjacent one another in order to carry out near-field communication payment, transaction electricity
Brain device 1 and mobile device 20 can establish wireless short-range communication via near-field communication module 13 and near field communication unit 23 respectively
(such as near-field communication).
In the present embodiment, Payment Card 22 is with SD card implementation.Payment Card 22 includes the financial core of a control module 220, one
Piece 221 and a storage unit 225.Financial chip 221 meets FISC II specification.
Control module 220 includes the control that a controller chip 222, one is loaded in ROM (read-only memory, not shown)
Firmware 224 processed and an application program interface (application program interface；API)223.Aforementioned controllers core
Integrated circuit encapsulation integration can be used in piece 222 and ROM, and arranged side by side with storage unit 225.
When Payment Card 22 is inserted into card slot 26, processor 21 can access financial chip 221 via control firmware 224 and deposit
Storage unit 225.Application program interface 223 and control firmware 224 can be operated according to the instruction of payment software 270.Application program is situated between
Face 223 can use 3DES (Triple Data Encryption Algorithm symmetric-key block cipher),
The algorithms such as AES (Advanced Encryption Standard) or RSA are encrypted.
Storage unit 225 includes a components of system as directed 226 and a storage section 227.226 internals basic operation of components of system as directed money
It interrogates (basic operation information).Storage section 227 includes a hidden ciphertext data area 228 and a visible area 229.
Visible area 229 allows to be accessed by the operating system (OS) of mobile device 20.WithSystem for example, visible area
229 can be accessed by archive management program (file management program).
Operating system can not access hidden ciphertext data area 228, and can not be read out, write to the archives in hidden ciphertext data area 228
Enter or modifies.Opposite, only after the completion of special delegated authority sequence, payment software 270 could be accessed via control firmware 224
Hidden ciphertext data area 228.When Payment Card 22 is inserted in the card slot 26 of mobile device 20, firmware 224 is controlled only to operation system
System return visible area 229.Therefore, operating system will not show hidden ciphertext data area 228 to user.Only user executes at that time
Payment software 270 and when by the authorization sequence, hidden ciphertext data area 228 could be accessed.
Hidden ciphertext data area 228 is stored with the virtual account number for being relevant to a payment mechanism account number, the payment mechanism account number phase
About the holder of Payment Card 22 and the payment mechanism (such as bank) of operation payment mechanism server 5.With payment mechanism account number
Relevant data are stored in financial chip 221.Hidden ciphertext data area 228 can store most and respectively correspond most payment mechanisms
The virtual account number of account number.
When mobile device 20 does not have near field communication unit 23, mobile device 20 itself does not have near field communication (NFC) function, branch
Paying card 22 then can be designed as near field communication (NFC) function.In other state sample implementations, Payment Card 22 includes most near fields
Communication pins, and include a near-field communication aerial, and can be to support SDIO (the Secure Digital of near field communication (NFC) function
Input Output) card implementation.
Therefore, in other aforementioned state sample implementations, card slot 26 includes most near-field communication terminals.Near-field communication end
Son meets near-field communication specification (being issued by SD association).When Payment Card 22 is inserted into card slot 26, this waits near-field communications terminal
It is electrically connected respectively with the grade near-field communications pin of Payment Card 22.Whereby, Payment Card 22 can be interacted with mobile device 20, so as to move
Dynamic device 20 supports near field communication (NFC) function.
Refering to Fig. 3, illustrate the first embodiment of method of mobile payment below, using near-field communication processing for a transaction
A payment.Transaction computer apparatus 1 in following can be a computer, and mobile device 20 can be the intelligence for being inserted with Payment Card 22
Intelligent type mobile phone, the transaction are to buy a kinds of goods and/or service about from a hotel owner.
It (is shown refering to Fig. 4 firstly, the attendant of hotel owner begins to use transaction computer apparatus 1 to execute transaction software 120
Homepage), and login transaction software 120.
The transaction software for being stored in memory module 12 is executed in the processing module 11 of step S1, computer apparatus 1 of trading
120, and computer apparatus 1 of trading is connected to the transaction platform 3 of payment mechanism server 5 via communication module 15.
The attendant one that transaction software 120 provides hotel owner is used to input the interface (refering to Fig. 5) of payment inventry, the payment
Inventory is relevant to the transaction, and the payment for the transaction.Here, the payment inventry include buy the kinds of goods/service it is thin
Mesh (such as hotel owner's number, trade date, payment number and transaction amount etc.).It is worth noting that, in starting transaction software 120
When, transaction computer apparatus 1 can be established a conversation mechanism (session) with the transaction platform 3 of payment mechanism server 5, can phone
System is for providing a secured communication channel between transaction computer apparatus 1 and transaction platform 3.
In step S2, the reception of processing module 11 is relevant to the transaction and the payment inventry of the payment.For example, the payment
Inventory can be through scanning kinds of goods/service bar code input transaction computer apparatus 1.Alternatively, the payment inventry can be hotel owner
Attendant using transaction computer apparatus 1 input (refering to Fig. 5).
Payment inventry (ginseng is exported via input/output module 14 in the processing module 11 of step S3, computer apparatus 1 of trading
Read Fig. 6 A), confirm for the consumer of kinds of goods/service to be bought.Once confirming that the payment inventry is correct, then consumer is needed to grasp
Make " confirmation " button to continue continuation payment program.
After consumer operates " confirmation " button, transaction software 120 performed by computer apparatus 1 of trading provides a variety of
The mode paid selects (refering to Fig. 6 B) to consumer.In the present embodiment, consumer's selection is paid using near-field communication (NFC)
(consumer is actively).
When consumer's selection is using near-field communication (NFC) payment (consumer is actively), processing module 11 generates an instruction (ginseng
Read Fig. 7) to prompt consumer by the mobile device 20 with Payment Card 22 close to a payment sensing region (such as transaction computer apparatus
1 near-field communication module 13).If the attendant of hotel owner operates the " Cancel " button, back to homepage for transaction software 120, pays journey
Sequence terminates.
In step S4, processing module 11 transmits payment inventry to transaction platform 3 via communication module 15.
In step S5, transaction platform 3 receives the payment inventry that transaction computer apparatus 1 is transmitted.It is worth noting that, payment
Inventory can be to be transmitted through under the conversation mechanism between transaction computer apparatus 1 and the transaction platform 3 of payment mechanism server 5.
On the other hand, when consumer is intended to carry out using mobile payment device 2 (such as mobile device 20 is combined with Payment Card 22)
When buying kinds of goods/service payment, consumer executes payment software 270 (refering to Fig. 8) using mobile device 20, and selects near field
Communicate (NFC) payment (consumer is actively).
In step S6, the processor 21 of mobile device 20 executes the payment software 270 for being stored in memory cell 27, and opens
Near field communication unit 23 is moved to originate near field communication (NFC) function.
Then, as shown in Figure 9 A, mobile device 20 prompts branch of the consumer by mobile device 20 close to transaction computer apparatus 1
It pays sensing region (such as near-field communication module 13).Consumer is then by mobile device 20 close to the payment of transaction computer apparatus 1
Sensing region.
Later, in step S61, when mobile device 20 and mutually adjacent transaction computer apparatus 1, the processing of mobile device 20
Device 21 establishes near-field communication with transaction computer apparatus 1 automatically via near field communication unit 23.
When the processing module 11 of transaction computer apparatus 1 detects mobile device 20, processing mould via near-field communication module 13
Block 11 establishes near-field communication with mobile device 20 automatically via near-field communication module 13.
In step S62, after the near-field communication foundation between transaction computer apparatus 1 and mobile device 20 (such as mobile dress
20 are set to be detected by transaction computer apparatus 1), the processing module 11 of transaction computer apparatus 1 transmits the Zhi Fuqing via near-field communication
It is single to give mobile device 20.
Payment inventry is received via near field communication unit 23 in the processor 21 of step S63, mobile device 20.Then, it moves
Dynamic device 20 transmits the payment inventry to the Payment Card 22 being inserted in the card slot 26 of mobile device 20.
(such as near-field communication payment sensing terminates), computer apparatus of trading after mobile device 20 receives payment inventry
1 output, one instruction is to prompt payment sensing to terminate and handle the payment (refering to Fig. 9 B).Transaction computer apparatus 1 then waits
One from transaction platform 3 and is relevant to the result of the payment.
It is noted that abovementioned steps S62 and S63 are to execute in near-field communication, and be finished in these steps
Later, one can provide an instruction to remind consumer to fill mobile at least within for transaction computer apparatus 1 and mobile device 20
It sets 20 to remove from the position of proximity transactions computer apparatus 1, to terminate near-field communication.
On the other hand, the message that the output of mobile device 20 one is relevant to the payment inventry confirms for consumer (refering to figure
9C).When confirming that the payment inventry is correct, consumer can operate " confirmation " button；Otherwise, the Back button can be operated.It connects
, the output of mobile device 20 one includes the message there are many method of payment (such as payment mechanism account number, credit card etc.), for consumption
Person selects to be paid (refering to Fig. 9 D).Once consumer selects one of method, the output of mobile device 20 one includes branch
The message for paying off list and method of payment confirms (refering to Fig. 9 E) for user.Consumer can be operated when confirmation message is correct "
Confirmation payment " button；Otherwise, the Back button can be operated.
In step S7, mobile device 20 can establish the conversation mechanism between mobile device 20 and transaction platform 3, this can phone
System is similar to the conversation mechanism between transaction computer apparatus 1 and transaction platform 3.Then, the processor 21 of mobile device 20 will be in
The received payment inventry of step S63 institute sends transaction platform 3 to via conversation mechanism through communication unit 25.In the present embodiment
In, the transmission is to reach an agreement on to execute using SSL (Secured Sockets Layer).
In step S8, after receiving the payment inventry by mobile device 20, transaction platform 3 judges to receive in step S7
Whether the payment inventry of self-moving device 20 is identical received from the transaction payment inventry of computer apparatus 1 as in step S5.Work as judgement
Result be it is yes, indicate that payment inventry is not changed in the transmission, and the conversation mechanism that transaction platform 3 is established via step S7
Transmission will be by the data of test key to mobile device 20.It to be as produced by transaction platform 3, and including the payment by the data of test key
Inventory.
In step S9, receive from transaction platform 3 will be by the data of test key after, the output of mobile device 20 one disappears
Breath, it is desirable that consumer entering one is relevant to the setting up password of Payment Card 22 (refering to Fig. 9 F).Consumer then operates mobile device
20 volume key input setting up password, mobile device 20 then transmits will be by the data of test key and setting up password to Payment Card 22.
Then, Payment Card 22 verifies setting up password.When Payment Card 22 is verified, setting up password is correct, and Payment Card 22 is based on carrying out self-moving device
The 20 one transaction test key (transaction of code key generation that be stored in by the data of test key and using one in Payment Card 22
authentication code；TAC), and the transaction test key is transmitted to mobile device 20.Mobile device 20 in receive transaction
When test key, a message is exported to prompt in consumer payment processing (refering to Fig. 9 G).
When Payment Card 22 is verified, setting up password is incorrect, and Payment Card 22 requires consumer to input setting up password again, and tires out
Meter continuously receives the number of wrong setting up password.When number reaches a threshold number (such as three times), Payment Card 22 is lockable,
And it must not be accessed.
More particularly, Payment Card 22 stores a code key, which corresponds to the virtual account for being paid, and
The code key is stored in financial chip 221 and hidden 228 one of them of ciphertext data area.Whereby, Payment Card 22 is based on the virtual account number
The code key is obtained to generate the transaction test key.It is worth noting that, the payment mechanism system 4 of payment mechanism server 5 have pair
Should virtual account number identical code key to identify the correctness of Payment Card 22.
In step S10, when the processor 21 for the mobile device 20 for executing payment software 270 is received from Payment Card 22
When transaction test key, processor 21 forms a payment request using the transaction test key.The payment request include at least the virtual account,
Payment inventry and transaction test key, and be encrypted.
The payment request is transmitted to transaction platform via communication unit 25 in the processor 21 of step S11, mobile device 20
3。
It should be noted that the payment request can be in the session built between mobile device 20 and transaction platform 3
Send transaction platform 3 under mechanism to.More particularly, the movement of aforementioned transmission is using SSL (Secured Sockets
Layer) agreement executes.
In step S12, after receiving and carrying out the payment request of self-moving device 20, transaction platform 3 penetrates transaction platform 3
The conversation mechanism previously established transmits the payment request to payment mechanism system 4, then executes step S13.
In step S13, payment mechanism system 4, can be according to included by the payment request when receiving the payment request
Payment inventry handles the payment.In the present embodiment, the payment mechanism account number that virtual account number represents is withholdd kinds of goods/service gold
Volume (600 yuan), and the amount of money is transferred the account number that hotel owner possesses.
It is worth noting that, received payment request can be decrypted in payment mechanism system 4, and asked based on payment
Seek the correctness of included transaction test key identification Payment Card 22.
Then, in step S14, payment mechanism system 4 generates a payment result, and transmits the payment result to transaction platform
3, which indicates that the payment has handled completion.
In step S15, transaction platform 3 transmits the payment result to transaction computer apparatus 1 and mobile device 20.
Then, in step S16, when the processing module 11 of transaction computer apparatus 1 receives the payment result, processing module 11
The payment result (refering to fig. 1 0) is exported via input/output module 14, to notify the knot of the attendant of the hotel owner payment
Fruit.In this way, which the payment processing is completed, which can get kinds of goods/service.
Similarly, in step S17, when the processor 21 of mobile device 20 receives the payment result, processor 21 via
I/O unit 24 exports the payment result (refering to fig. 1 1), to notify the result of the consumer payment.
Refering to fig. 12, illustrate that the second embodiment of method of mobile payment, second embodiment are using Mobile barcode (QR below
Code the payment for a transaction) is handled.Second embodiment is close with first embodiment, and Discrepancy Description is as follows.
The payment inventry is exported via input/output module 14 in the processing module 11 of step S3 ', computer apparatus 1 of trading
(refering to Fig. 6 A) confirms for consumer, and provides a variety of methods of payment after consumer confirms payment inventry and select for user.
When consumer selects Mobile barcode (QR Code) payment (refering to Fig. 6 B), process then executes S4, and processing module 11 is via communication
Module 15 transmits payment inventry to transaction platform 3.
In step S5 ', after receiving the payment inventry that transaction computer apparatus 1 is transmitted, transaction platform 3 is according to the payment
Inventory generates a bar code, and sends the bar code to transaction computer apparatus 1.In the present embodiment, item caused by transaction platform 3
Code is a Mobile barcode (QR code).
Then, in step S51, processing module 11 is held when receiving produced by transaction platform 3 and the Mobile barcode of transmission
The processing module 11 of row transaction software 120 generates an instruction, and exports the instruction, the instruction packet via input/output module 14
Payment inventry and Mobile barcode (refering to fig. 1 3) are included, prompts consumer to operate mobile device 20 and use image pickup unit whereby
28 scanning Mobile barcodes.If the attendant of hotel owner operates the " Cancel " button, back to homepage for transaction software 120, and payment program
It terminates.
When consumer is intended to complete purchase kinds of goods/service payment with Mobile barcode, consumer is originated using mobile device 20
Payment software 270 is executed, and Mobile barcode (QR Code) is selected to pay (refering to fig. 1 4).
Therefore, in step S6 ', the processor 21 of mobile device 20 executes the payment software for being stored in memory cell 27
270。
In step S64, consumer by the input of the alignment transaction computer apparatus 1 of image pickup unit 28 of mobile device 20/
The Mobile barcode (refering to fig. 1 5) that output module 14 is exported, to scan Mobile barcode.
Then, in step S65, Mobile barcode that the processor 21 of mobile device 20 scans image pickup unit 28 into
Row decoding to obtain the payment inventry of the corresponding Mobile barcode, and exports one and is relevant to the message of the payment inventry for consumer
Confirm (refering to fig. 1 6).When the payment inventry is confirmed as correctly, consumer can operate " confirmation " button；Otherwise, can operate "
Return " or " rescaning " button.Process then executes step S7.Remaining step is close with first embodiment, not superfluous herein
It states.
It is customer to be consigned to via the mode of transport, and payment is that the method for mobile payment, which can also be applied to kinds of goods/service,
(such as cashing on delivery) is completed when kinds of goods/service is sent to.Deliveryman can carry the transaction electricity for being equipped with transaction software 120
Brain device 1, and after customer confirms kinds of goods/service, deliveryman can operate transaction computer apparatus 1 and execute mobile payment side
Method.Therefore, deliveryman does not have to carry cash when carrying out delivery.
The method of mobile payment can also provide kinds of goods/service to customer by vending machine it has been observed that applying.In step
After S14 (completing payment), vending machine provides kinds of goods to customer.
Furthermore method of mobile payment of the present invention also can apply to transfer accounts using two Smartphones.For example, it receives
Money people operates one first Smartphone and executes transaction software 120, executes first Smartphone previously with regard to transaction electricity
The step of brain device 1, remitter operate one second Smartphone and execute payment software 270, hold second Smartphone
Row previously with regard to mobile device 20 and Payment Card 22 the step of, whereby, as long as by two Smartphones it is close to each other or contact
It just may achieve and transferred accounts using two Smartphone completions.
In conclusion by the payment inventry for receiving self-moving device 20 and the branch received from transaction computer apparatus 1 is compared
List is paid off, can detect whether payment inventry is changed in transmission process.In addition, by instant delivery counterpart expenditure inventory
To payment mechanism server 5, the payment respectively traded can be handled payment request in time.In this way, can be to avoid swindle branch
It pays or transaction records does not correspond to caused loss.
Only as described above, only the embodiment of the present invention, when that cannot be limited the scope of implementation of the present invention with this, i.e.,
Generally according to simple equivalent changes and modifications made by claims of the present invention and patent specification content, all still belong to the present invention
In the range of patent covers.
Claims (15)
1. a kind of method of mobile payment；It is executed it is characterized by: the method for mobile payment is suitable for a transaction computer apparatus, it should
Transaction computer apparatus can be interacted with a mobile payment device, and the transaction computer apparatus and the mobile payment device can be with a payment machines
Structure server communication, which includes:
Receive a payment inventry, the payment inventry be relevant to a transaction and one for the transaction payment；
The payment inventry is transmitted to the payment mechanism server, which makes the payment mechanism server:
A bar code is generated according to the payment inventry when receiving the payment inventry, and
It transmits the bar code and gives the transaction computer apparatus；
When the transaction computer apparatus and the mutually adjacent mobile payment device, which is provided and is set to the mobile payment
Standby, which makes the mobile payment device send the payment inventry to the payment mechanism server, and works as the payment machine
Structure server judges the payment inventry received from the mobile payment device and the Zhi Fuqing received from the transaction computer apparatus
Single-phase the payment inventry makes the mobile payment device generate a payment request based on at least payment inventry simultaneously, which asks
It asks for making the payment mechanism server handle the payment according to the payment inventry included by the payment request；And
A payment result is received from the payment mechanism server, which is after completing the payment by the payment mechanism
Server generates.
2. method of mobile payment according to claim 1, it is characterised in that: the transaction computer apparatus and the mobile payment device
With near field communications capability, the step of described offer payment inventry, includes:
When the transaction computer apparatus and the mobile payment device located adjacent one another, a near field is established with the mobile payment device automatically
Communication；And
The payment inventry is transmitted to the mobile payment device via the near-field communication.
3. method of mobile payment according to claim 1, it is characterised in that: in one bar code of the generation the step of, according to
It is a Mobile barcode according to the bar code caused by the payment inventry.
4. method of mobile payment according to claim 1, it is characterised in that: the step of described offer payment inventry wraps
It includes:
The bar code is received from the payment mechanism server；And
The bar code is exported, so that the mobile payment is set when the bar code exported is scanned and decoded by the mobile payment device
Standby payment inventry that can obtain the corresponding bar code.
5. method of mobile payment according to claim 1, it is characterised in that: in described offer payment inventry the step of
In, which also makes the mobile payment device:
Will be by the data of test key from payment mechanism server reception, described will be the mechanism of exchange server by the data of test key
According to produced by the payment inventry；
A transaction test key is generated by the data of test key based on described；And
The payment request is formed using the transaction test key.
6. a kind of method of mobile payment；It is characterized by: the method for mobile payment is executed suitable for a mobile payment device, it should
Mobile payment device can be interacted with a transaction computer apparatus, and the transaction computer apparatus and the mobile payment device can be with a payment machines
Structure server communication, the payment mechanism server receive a payment inventry from the transaction computer apparatus, which is relevant to
One transaction and one for the transaction payment, the payment mechanism server is when receiving the payment inventry, according to the Zhi Fuqing
Per unit area yield gives birth to a bar code, and sends the bar code to the transaction computer apparatus, and the transaction computer apparatus is in receiving from the payment
The bar code is exported after the bar code of authority server, which includes:
When the transaction computer apparatus and the mutually adjacent mobile payment device, the Zhi Fuqing is obtained from the transaction computer apparatus
It is single；
Send the payment inventry to the payment mechanism server；
When the payment mechanism server judge the payment inventry received from the mobile payment device with received from the transaction computer
When the payment inventry of device is identical, a payment request is generated based on at least payment inventry；
The payment request is transmitted to the payment mechanism server, which ask that the payment mechanism server according to the payment
The included payment inventry is asked to handle the payment；And
A payment result is received from the payment mechanism server, which is after completing the payment by the payment mechanism
Server generates.
7. method of mobile payment according to claim 6, it is characterised in that: the transaction computer apparatus and the mobile payment are set
Include: for having the step of near field communications capability, described acquisition payment inventry
When the transaction computer apparatus and the mobile payment device located adjacent one another, a near field is established with the transaction computer apparatus automatically
Communication；And
The payment inventry that the transaction computer apparatus is transmitted is received via the near-field communication.
8. method of mobile payment according to claim 6, it is characterised in that: the step of described acquisition payment inventry wraps
It includes:
The bar code that the transaction computer apparatus is exported is scanned using the mobile payment device；And
The bar code is decoded to obtain the payment inventry of the corresponding bar code.
9. method of mobile payment according to claim 8, it is characterised in that: in described acquisition payment inventry the step of
In, it is scanned by the mobile payment device and the decoded bar code is a Mobile barcode.
10. method of mobile payment according to claim 6, it is characterised in that: the step of described generation payment request wraps
It includes:
Will be by the data of test key from payment mechanism server reception, described will be the mechanism of exchange server by the data of test key
According to produced by the payment inventry；
A transaction test key is generated by the data of test key based on described；And
The payment request is formed using the transaction test key.
11. a kind of mobile payment device；It is characterized by: the mobile payment device can be interacted with a transaction computer apparatus,
The transaction computer apparatus and a payment mechanism server communication, the payment mechanism server receive one from the transaction computer apparatus
Pay off list, the payment inventry be relevant to a transaction and one for the transaction payment, the payment mechanism server is in receiving this
When payment inventry, a bar code is generated according to the payment inventry, and send the bar code to the transaction computer apparatus, the transaction computer
It is installed on after receiving the bar code from the payment mechanism server and exports the bar code, which includes:
One mobile device, including
One processor,
One memory cell is coupled to the processor and one payment software of storage,
One information acquisition unit is coupled to the processor, and can interact with the transaction computer apparatus, and
One communication unit is coupled to the processor, and can be with the payment mechanism server communication；
Wherein, when the processor executes the payment software, which makes the mobile payment device:
When the transaction computer apparatus and the mutually adjacent mobile payment device, the Zhi Fuqing is obtained from the transaction computer apparatus
It is single,
Send the payment inventry to the payment mechanism server,
When the payment mechanism server judge the payment inventry received from the mobile payment device with received from the transaction computer
When the payment inventry of device is identical, a payment request is generated based on at least payment inventry,
The payment request is transmitted to the payment mechanism server, which ask that the payment mechanism server according to the payment
The included payment inventry is asked to handle the payment, and
A payment result is received from the payment mechanism server, which is after completing the payment by the payment mechanism
Server generates.
12. mobile payment device according to claim 11, it is characterised in that: the transaction computer apparatus and the mobile payment
Equipment has a near field communications capability, which is a near field communication unit, and the mobile payment device energy:
When the transaction computer apparatus and the mobile payment device located adjacent one another, via the near field communication unit automatically with the transaction
Computer apparatus establishes a near-field communication；And
The payment inventry that the transaction computer apparatus is transmitted is received via the near-field communication.
13. mobile payment device according to claim 11, it is characterised in that: the information acquisition unit is a filming image
Unit, the mobile payment device energy:
The bar code that the transaction computer apparatus is exported is scanned via the image pickup unit；And
The bar code is decoded to obtain the payment inventry of the corresponding bar code.
14. mobile payment device according to claim 13, it is characterised in that: scanned and decoded by the mobile payment device
The bar code be a Mobile barcode.
15. mobile payment device according to claim 11, it is characterised in that: the mobile payment device also includes:
One card slot is coupled to the processor, and is removedly inserted with a Payment Card, can be visited using the mobile device whereby
Ask the Payment Card；
Wherein, the mobile payment device energy:
Will be by the data of test key from payment mechanism server reception, described will be the mechanism of exchange server by the data of test key
According to produced by the payment inventry；
A transaction test key is generated by the data of test key via the Payment Card and based on described；And
The payment request is formed using the transaction test key.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510183808.2A CN106157020B (en) | 2015-04-17 | 2015-04-17 | Method of mobile payment and mobile payment device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510183808.2A CN106157020B (en) | 2015-04-17 | 2015-04-17 | Method of mobile payment and mobile payment device |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN106157020A CN106157020A (en) | 2016-11-23 |
| CN106157020B true CN106157020B (en) | 2019-10-18 |
Family
ID=58057674
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510183808.2A Active CN106157020B (en) | 2015-04-17 | 2015-04-17 | Method of mobile payment and mobile payment device |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106157020B (en) |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102136170A (en) * | 2011-01-05 | 2011-07-27 | 深圳市文鼎创数据科技有限公司 | Mobile payment device |
| CN103810597A (en) * | 2012-11-08 | 2014-05-21 | 杨建纲 | Mobile device, payment transaction system and payment transaction method |
| WO2014082164A1 (en) * | 2012-11-30 | 2014-06-05 | XRomb Inc. | System and method of processing payment at a point-of-sale terminal using a mobile device |
| CN104424724A (en) * | 2013-09-11 | 2015-03-18 | 杨建纲 | Plug-and-play transaction method and system, computer device and portable payment device thereof |
-
2015
- 2015-04-17 CN CN201510183808.2A patent/CN106157020B/en active Active
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102136170A (en) * | 2011-01-05 | 2011-07-27 | 深圳市文鼎创数据科技有限公司 | Mobile payment device |
| CN103810597A (en) * | 2012-11-08 | 2014-05-21 | 杨建纲 | Mobile device, payment transaction system and payment transaction method |
| WO2014082164A1 (en) * | 2012-11-30 | 2014-06-05 | XRomb Inc. | System and method of processing payment at a point-of-sale terminal using a mobile device |
| CN104424724A (en) * | 2013-09-11 | 2015-03-18 | 杨建纲 | Plug-and-play transaction method and system, computer device and portable payment device thereof |
Also Published As
| Publication number | Publication date |
|---|---|
| CN106157020A (en) | 2016-11-23 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| JP7110131B2 (en) | Electronic money remittance method and its system | |
| US10423949B2 (en) | Vending machine transactions | |
| CN102521744B (en) | Method of network payment and device | |
| CN109154794A (en) | It is authenticated with smartwatch | |
| CN107615318A (en) | Checking to the contactless payment of mobile device supply evidence for payment | |
| CN104599112B (en) | A kind of information transferring method, device and system | |
| CN109196834A (en) | Sub- token management system for connected device | |
| US10977641B2 (en) | Binding process using electronic telecommunications device | |
| CN103942691A (en) | Method and system for realizing electronic transaction through sound waves | |
| TWI625684B (en) | Mobile payment method and mobile payment device | |
| JP2017167875A (en) | System, cash dispensing method, and program | |
| US20170161739A1 (en) | System and method for transacting via two-party model | |
| CN108431848A (en) | The commission of transaction | |
| TWM507553U (en) | Mobile payment device | |
| KR101681002B1 (en) | Easy payment device multi prepaid e-card equipped with several electronic wallet based Hub-Code and method thereof | |
| KR20160101241A (en) | Method for payment at offline store by using virtual money | |
| CN106157020B (en) | Method of mobile payment and mobile payment device | |
| TWI529640B (en) | Action payment method and action payment equipment | |
| CN102567879B (en) | Wireless safety transaction payment system and method thereof | |
| CN106157037A (en) | Mobile payment method and mobile payment equipment | |
| KR101852943B1 (en) | Real-time currency exchange apparatus using mobile cards | |
| KR20120059467A (en) | Method for Drawing out Foreign Exchange | |
| US20240062284A1 (en) | Module for realizing precious metals and a method for selling precious metals by means of the module | |
| US20160203469A1 (en) | System and method of facilitating monetary transactions | |
| TWM502910U (en) | Mobile payment device |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |