CN106203987A - Method of mobile payment and mobile-payment system - Google Patents
Method of mobile payment and mobile-payment system Download PDFInfo
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- CN106203987A CN106203987A CN201610546672.1A CN201610546672A CN106203987A CN 106203987 A CN106203987 A CN 106203987A CN 201610546672 A CN201610546672 A CN 201610546672A CN 106203987 A CN106203987 A CN 106203987A
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- Prior art keywords
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- 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
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
-
- 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
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
Abstract
The invention discloses a kind of method of mobile payment and mobile-payment system, this method of mobile payment comprises the following steps: push step, and the POS in shop is at least pushed by Third-party payment server and pays the mobile terminal with mobile payment function requiring to specify to client；Payment step, based on described payment requirement, utilizes described Third-party payment server to complete the payment of described dealing money on the mobile terminal；And feedback step, payment result is fed back to described POS by described Third-party payment server.Method of mobile payment according to the present invention and mobile-payment system, it is not necessary to shop or shopping consumer have the equipment of barcode scanning payment function or near field payment function just can complete mobile payment.
Description
Technical field
The present invention relates to the method for mobile payment in solid shop/brick and mortar store and mobile-payment system.
Background technology
Mobile payment mode is increasingly welcomed by the general public, convenient and swift, need not take wallet, need not swipe the card and input password,
As long as it is the most permissible to hold the mobile terminal with mobile payment function.The first quarter in 2016 announced according to People's Bank of China
Payment System is run general status report and is shown, first quarter mobile payment service stroke count 56.15, the amount of money 52.13 trillion yuan,
Increasing by 308.08% and 31.05% the most respectively, amount of increase occupies each electronic payment mode umber one.
Fig. 1 is the composition schematic diagram of existing mobile payment mode.As it is shown in figure 1, current mobile payment has two kinds
The pattern of paying, after one is POS (Point of sales, point of sale) System Computer 10 items scanning information, in data of concluding the deal
While, show this commodity transaction information concluded the business by display screen system 11 to client, such as trade name, quantity, unit price,
Dealing money etc..Client shows the payment code in mobile device 14 (Quick Response Code, bar code), POS system machine 10 barcode scanning to salesman
After, it is achieved mobile payment.Another kind of payment mode is, after POS system machine 10 items scanning information, data of concluding the deal, logical
Cross display screen system 11 while client shows this commodity transaction information concluded the business or shown above in display screen system 11 or
It is the payment code going out this transaction by slip printer prints, such as Quick Response Code.Client uses mobile device 14 to this Quick Response Code
After barcode scanning, move payment.After payment completes, print the full detail of dealing to client by bill printer, complete
This transaction.
Existing method of mobile payment there is problems in that
The first, for shop, not only need to purchase bar code or the generation of Quick Response Code and the equipment of identification, or closely
Equipment required for the payment of field, in addition it is also necessary to salesman is carried out training on operation；
When the second, paying, if there is no the equipment of scanning recognition Quick Response Code in the mobile device of client or imaging first-class
It is broken when can not use and just can not use mobile payment, and, barcode scanning pays to be needed client or barcode scanning or shows payment code
Action, and, when the Quick Response Code etc. of client drive sweep businessman, there is also risk for security, for will scan two
Whether safety not can confirm that dimension code；
3rd, the when of barcode scanning, it is impossible to see the merchandise news of transaction on the mobile apparatus, the business bought the most extremely is confirmed
The details of product, bring uncertainty to payment；
4th, the mobile payment of mobile terminal can obviously be realized, if but there is the mobile terminal of mobile payment function
Cannot not move payment at checkout counter.
Summary of the invention
Because above-mentioned technical problem, it is an object of the invention to provide a kind of method of mobile payment and mobile payment system
System, one of its purpose is, it is not necessary to shop or client have barcode scanning payment function or the equipment of near field (NFC) payment function
Just can complete mobile payment.
The two of its purpose are, it is possible to show detailed commodity transaction information on the mobile terminal specified.
The three of its purpose are, it is possible to realize remote mobile and pay, can not be in the shifting of sales counter mobile terminal made above
Dynamic payment.
Method of mobile payment involved by first aspect present invention, for realizing mobile payment in solid shop/brick and mortar store, including with
Lower step: push step, the POS in shop is at least pushed by Third-party payment server and pays the tool requiring to specify to client
There is the mobile terminal of mobile payment function；Payment step, based on described payment requirement, utilizes described Third-party payment server to exist
The payment of dealing money is completed on described mobile terminal；And feedback step, described Third-party payment server is by payment result
Feed back to described POS.
Barcode scanning payment function or near field can be had without shop or client according to above-mentioned method of mobile payment
(NFC) equipment of payment function just can complete mobile payment.
In above-mentioned method of mobile payment, in described propelling movement step, the content preferably pushed to described mobile terminal
Also include that tradable commodity information, described tradable commodity information at least include trade name, quantity, unit price and dealing money.
According to above-mentioned method of mobile payment, the merchandise news bought can be confirmed before paying by client, with
Time can retain electronic receipt and use as financial management etc..
In above-mentioned method of mobile payment, in described payment step, the most described mobile terminal carries out remote payment.
According to above-mentioned method of mobile payment, it is possible to even if realizing client also to be able to carry out the movement of commodity the most at the scene
Pay.
In above-mentioned method of mobile payment, before described propelling movement step, the most also include initialization step, described pre-
Putting in step, described client enjoys and exempts from the right of close payment with the small amount in described shop, when described total transaction amount is less than regulation gold
During volume, described mobile terminal moves payment automatically
According to above-mentioned method of mobile payment, penny ante is without confirming, it is possible to reduce queue waiting time, improves user
Experience.
In above-mentioned method of mobile payment, in described initialization step, the most described client also enjoys startup and buys on credit mould
The right of formula, when buying on credit pattern described in described client starts, when the stipulated time pays, described mobile terminal is certainly
Move and move payment.
According to above-mentioned method of mobile payment, buy on credit pattern by setting up between client and shop, can alleviate client's
Financial strain, Consumer's Experience is good, and its service quality can also be improved in shop simultaneously.
In above-mentioned method of mobile payment, the most also include: step display, would indicate that the described Quick Response Code paying request
Or payment link shows on the mobile terminal, by identifying described Quick Response Code or clicking on described payment link and complete
Pay.
According to above-mentioned method of mobile payment, so mobile payment can be realized the most on mobile terminals, without
Other auxiliary equipment.
In above-mentioned method of mobile payment, preferably in described step display, described mobile terminal also shows described
Tradable commodity information.
According to above-mentioned method of mobile payment, such client can know the detailed of bought commodity the most at a glance
Thin information.
In above-mentioned method of mobile payment, preferably in described step display, described tradable commodity information and described
Pay and require to show on the mobile terminal with the form of a Quick Response Code, by identifying described Quick Response Code, described tradable commodity
Trade name, quantity, unit price and dealing money and described payment requirement that information at least includes are simultaneously displayed on described shifting
In dynamic terminal.
According to above-mentioned method of mobile payment, so can be by identifying that Quick Response Code realizes tradable commodity information simply
Acquisition and pay request.
Mobile-payment system involved by second aspect present invention, for realizing mobile payment in solid shop/brick and mortar store, including: push away
Sending portion, the POS in shop is at least pushed payment and requires have mobile payment to what client specified by Third-party payment server
The mobile terminal of function；Payment portion, based on described payment requirement, utilizes described Third-party payment server at described mobile terminal
On complete the payment of dealing money；And feedback section, payment result is fed back to described POS by described Third-party payment server
Machine.
According to the mobile-payment system of the present invention, can have barcode scanning payment function or near field without shop or client
The equipment of payment function just can complete mobile payment.
In above-mentioned mobile-payment system, the most described payment portion makes described mobile terminal carry out remote payment.
According to above-mentioned mobile-payment system, it is possible to even if realizing client also to be able to carry out the movement of commodity the most at the scene
Pay.
Method of mobile payment of the present invention and mobile-payment system, it is possible to can be realized as mobile without additionally adding equipment
Pay, and electronic receipt can be sent to mobile terminal with remote payment simultaneously, shorten the time that client waits, improve
User's purchase experiences.
Accompanying drawing explanation
The accompanying drawing of the part constituting the present invention is used for providing a further understanding of the present invention, and the present invention's is schematic real
Execute example and illustrate for explaining the present invention, being not intended that inappropriate limitation of the present invention.In the accompanying drawings:
Fig. 1 is the composition schematic diagram of existing mobile payment mode；
Fig. 2 is the schematic flow diagram of the method for mobile payment of the embodiment of the present invention one；
Fig. 3 is the schematic flow diagram of the method for mobile payment of the embodiment of the present invention two；
Fig. 4 is the schematic flow diagram of the method for mobile payment of the embodiment of the present invention three；
Fig. 5 is the schematic flow diagram of the method for mobile payment of the embodiment of the present invention four；
Fig. 6 is the schematic flow diagram of the method for mobile payment of the embodiment of the present invention five；And
Fig. 7 is the composition schematic diagram of the mobile-payment system of the embodiment of the present invention six.
Detailed description of the invention
It should be noted that in the case of not conflicting, the embodiment in the present invention and the feature in embodiment can phases
Combination mutually.Describe the present invention below with reference to the accompanying drawings and in conjunction with the embodiments in detail.
Even if the mesh that the such remote mobile carrying out paying to reach requestee also not to be able on sales counter side pays
, the server in shop can pass through Third-party payment server (APP) or third-party platform, such as wechat, Alipay, hundred
Degree wallet etc. pushes commodity transaction information and payment information to the mobile device specified.Below will be main with Third-party payment service
Device is to illustrate as a example by wechat.
Client can have signed agreement with shop as member, can enjoy small amount and exempts from close payment and buy on credit pattern, then purchase
Can confirm when belonging to penny ante during thing, mobile terminal can directly exempt from close payment, pay down complete or
Client person can take commodity in advance away, and mobile terminal pays automatically.And, buy on credit pattern if started, only need to be limited
Within in period such as one month, paid the bill by mobile payment.When, after one month, the mobile terminal with payment function does not has
When having payment, mobile terminal can be remitted money automatically.
The contents such as commodity transaction information and payment information, wherein, business is comprised in the information that the mobile device of client pushes
Product Transaction Information includes detailed purchase inventory, the title of the commodity such as bought, quantity, unit price, dealing money etc..
Mobile-payment system includes the POS in shop, shop server, the mobile terminal of client, Third-party payment at present
Server, in the present invention, the holder of mobile terminal both can be can also to be other people to the client in shop, and mobile terminal can
With not near the sales counter of checkout, it is possible to achieve remote mobile pays.
For realizing the information pushing of the mobile device to client, shop server should possess following four module: Gu Keguan
Reason module, manages the information such as the means of payment of client, payment account, member card；Trade management module, for Transaction Information pipe
Reason, penny ante judgement etc.；Payment management module, is used for making payment information etc.；Communication module, it is achieved POS and third party
Communication connection etc. between paying server.
Here, can be arranged in the middle of shop as shop server, certainly be not only limited to this, though shop server
Right entitled shop server, the server being provided in shop, but increasingly mature along with big data technique, shop can also
Can also trustship to cloud server, or the function of shop server is directly set on Third-party payment server.
Embodiment one
Fig. 2 is the schematic flow diagram of the method for mobile payment of the embodiment of the present invention one.Client now is client non-member.
As in figure 2 it is shown, client non-member shows when checkout provides No. ID specified, can be phone number, micro-signal, wechat two dimension
Codes etc., can be consumer, it is possible to be other people, and appearance catchy phone number is preferably used.Work as Third-party payment
When server is Alipay, it is possible to use Alipay account, phone number etc., when be Third-party payment server be Baidu's wallet
Time, it is possible to use the user name of Baidu, mailbox, phone number etc..
Salesman in POS typing client provide No. ID, afterwards in commodity barcode scanning typing POS, press end key, will
Commodity transaction information uploads to shop server, and by the wechat server as Third-party payment server to having client
The microsignal mobile terminal specified pushes tradable commodity information and payment information.Client receives information and confirms that content is errorless
After, mobile phone completes pay, by wechat, customer payment result is fed back in the POS in shop.Thus paid, turn round and look at
Visitor can pick up goods and leave.
Concrete procedure declaration may is that
1. checkout starts: carry out the information of mobile terminal login that client specifies in POS.
The enterprising product barcode scanning typing of doing business of 2.POS machine, can merchandise news synchronous driving to shop server also when needing
It is pushed on the mobile terminal that client specifies, in order to client can determine the information buying commodity in real time.
3., after commodity typing completes, this Transaction Information is uploaded to shop server.
4. generate according to the Transaction Information transmitted in POS on the server of shop and pay requirement, and tradable commodity is believed
Breath and payment require to send jointly to the wechat server as Third-party payment server.
5. wechat server the information pushing received to the mobile terminal specified.
Complete the most on mobile terminals to pay.
7. wechat server confirms after receiving payment, and returns result to shop server, then is taken by shop
Business device is returned to the POS into shop result.
8. salesman confirm to pay errorless after, give client commodity, once concluded the business.
In the above embodiments one, the mobile terminal that client specifies can receive detailed commodity transaction information,
So be possible not only to make things convenient for customers and the commodity bought confirmed, when be minor do shopping time, it is also possible to this not
The Shopping Behaviors of adult is monitored, when be others buy on behalf time, it is also possible to the accuracy bought on behalf is monitored.And, stay
Commodity transaction information on mobile terminals of depositing additionally aids the financial management etc. of family.
And, the mobile terminal with mobile payment function can be to hold on the sales counter limit of checkout, it is also possible to remotely holds
Have, carry out remote payment.
Embodiment two
Fig. 3 is the schematic flow diagram of the method for mobile payment of embodiments of the invention two.The client related in figure 3 is to hand over
The easily member in shop, prior and shop is concluded small amount Agreement for Sale and Purchase, when member carries out small amount dealing in shop, can enjoy
Small amount exempts from close payment.As it is shown on figure 3, show member card during shopper checkout, salesman carries out the barcode scanning of member card and logs in, and uses afterwards
POS carries out commodity barcode scanning typing, determines whether penny ante after completing, when being penny ante, and such as 50 yuan, 200 yuan
Deng for quota, being judged as penny ante when being not above quota, at this moment notice Third-party payment server is carried out
Automatically drawing account without confirm, Third-party payment server feeds back to settle accounts in POS automatically drawing account result, and payment completes,
Client holds commodity and leaves.
Certainly, as embodiment two is with embodiment one, it is intended that mobile terminal can be the client before sales counter, it is also possible to
Being not other people before sales counter, the association between this member and mobile terminal can be pre-when setting up member card in advance
Put.Client is when using member card, and salesman can also carry out the question and answer of such as safety problem to confirm that client is with access to member
The small amount of card and association exempts from close payment.
Detailed process is as follows:
1. checkout starts, and member card barcode scanning logs in.
The enterprising product barcode scanning typing of doing business of 2.POS machine, to shop server and pushes merchandise news synchronous driving when needing
In the mobile device that client specifies, in order to client can determine the information buying commodity in real time.
3. after commodity typing completes, first it is made whether the judgement into penny ante, when being penny ante, small amount is handed over
Easily information uploads to shop server.
4. on the server of shop, generate payment information (pay and require), and handle according to the Transaction Information transmitted in POS
Transaction Information and without confirm draw account require send jointly to wechat server.
5. while wechat server draws account automatically, the information pushing received to the mobile terminal specified, and nothing
Must client confirm.
6. wechat server returns to shop server automatically drawing account result, then by shop server, payment result is returned
Give the POS for shopper checkout.
8. shop assistant confirm to pay errorless after, give client commodity, complete once to conclude the business.
Here, naturally it is also possible to make this small amount exempt from close payment after the regular hour, the most automatically draw account rather than reality
Shi Fasheng, due to contract creditable between client and shop, client can also take commodity in advance away, and wechat server is drawn automatically
Account, so eliminates the time that client waits.This small amount is exempted from close payment and is confirmed without holder, it is not required that input pays close
Code.
Embodiment three
Fig. 4 is the schematic flow diagram of the method for mobile payment of embodiments of the invention three.The client related in the diagram is to hand over
The easily member in shop, prior and shop conclusion is bought on credit agreement, when member buys and sells in shop, can be started and buy on credit mould
Formula.As shown in Figure 4, endorsed with shop and buy on credit the member of agreement and commonly buy, show member card during shopper checkout, and carry
Going out the requirement bought on credit, salesman carries out member card barcode scanning and logs in, and enables the pattern of buying on credit, and uses POS to carry out commodity barcode scanning typing,
And, client please carry out the confirmation bought on credit in display screen (customer-oriented display), client confirms, and holds commodity and leave,
Pushing tradable commodity information and payment information by wechat server to the wechat account specified, client completes to pay, and exceeds the time limit
The when of unpaid, wechat server will draw account automatically, and payment completes.
Certainly, as embodiment three is with embodiment one, embodiment two, the mobile terminal with appointment ID can be sales counter
Before client, it is also possible to being not other people before sales counter, the association between this member and mobile terminal can be prior
When setting up member card preset.Client is when using member card, and salesman can also carry out the question and answer of such as safety problem to confirm
Client buys on credit pattern with access to member card and startup.
Concrete process is as follows:
1. checkout starts: member card barcode scanning logs in and enables the pattern of buying on credit, such as, can directly utilize Alipay and delay
Pay to wait or carried out delay in payment by wechat server and arrange.
The enterprising product barcode scanning typing of doing business of 2.POS machine, to shop server and pushes merchandise news synchronous driving when needing
On the mobile terminal that client specifies, in order to client can determine the information buying commodity in real time.
3. after commodity typing completes, please be after client carry out the confirmation bought on credit in display screen and confirm successfully, this transaction
Information uploads to shop server.
4. checkout in-situ processing completes, and client holds commodity and leaves.
5. shop server makes payment request according to this Transaction Information, is sent to Third-party payment server (example: prop up
Fu Bao, wechat etc.).
6. Third-party payment server the information pushing received to the mobile terminal specified.
7. client regulation buy on credit the time limit in complete pay.If client fails actively to pay, then within specified time limit
Third-party payment server will draw account automatically.
8. third-party server confirms after receiving the payment of client, and result is notified to shop server.
Embodiment four
Fig. 5 is the schematic flow diagram of the method for mobile payment of the embodiment of the present invention five, as it is shown in figure 5, comprise the steps:
Step S110: the POS in shop is at least pushed by Third-party payment server and pays what requirement was specified to client
There is the mobile terminal of mobile payment function；
Step S120: based on described payment requirement, utilizes Third-party payment server to complete trade gold on mobile terminals
The payment of volume；And
Step S130: payment result is fed back to POS by Third-party payment server.
Embodiment five
Fig. 6 is the schematic flow diagram of the method for mobile payment of the embodiment of the present invention six, as shown in Figure 6, comprises the steps:
Step S210: the agreement of honour between preset client and shop, such as small amount are exempted from close payment, bought on credit pattern etc.；
Step S220: the POS in shop is at least pushed by Third-party payment server and pays what requirement was specified to client
There is the mobile terminal of mobile payment function；
Step S230: the content that display pushes, at least includes paying requirement, it is also possible to display tradable commodity information, such as
Trade name, quantity, unit price and dealing money etc.；
Step S240: based on described payment requirement, utilizes Third-party payment server to complete trade gold on mobile terminals
The payment of volume；And
Step: 250: payment result is fed back to POS by Third-party payment server.
Embodiment six
Fig. 7 is the composition schematic diagram of the mobile-payment system of the embodiment of the present invention six.Mobile-payment system as shown in Figure 7
Including: push part 100, the POS in shop is at least pushed by Third-party payment server and pays the tool requiring to specify to client
There is the mobile terminal of mobile payment function；Payment portion 200, based on paying requirement, utilizes Third-party payment server mobile whole
The payment of dealing money is completed on end；And feedback section 300, payment result is fed back to POS by Third-party payment server.
Method of mobile payment according to the present invention and mobile-payment system, it is possible to achieve real remote payment, have with
Under beneficial effect.
Even if the first paying party is not in shop, it is also possible to note the information buying commodity, and carry out remote payment.
The second, reduce the burden of checkout counter, and save the time that shopper checkout consumes.
3rd, for head store member, can buy on credit, be greatly saved the time expended at checkout counter, to it
The time waited in line can also be reduced for other people.
4th, shop need not additionally buy any equipment, and client just can realize mobile payment.
5th, show completely without any Quick Response Code of purchasing, print, the equipment such as identification, save the operation cost in shop.
6th, the information of tradable commodity can be sent to client in real time and checks.
7th, the merchandise news of transaction is already sent to mobile device before client completes to pay and supplies client's confirmation, permissible
Reduce the generation of later stage Transaction Disputes.
Here, shop side can arrange with Third-party payment server and associate, such as, entered by Third-party payment server
The big data management in row shop, the management sales data of commodity, inventory data, member data etc., or directly shop is serviced
The function trustship of device is to Third-party payment server, to realize the saving of the cost of businessman.On Third-party payment server, can
To arrange data management for each businessman, and identification code symbol is set to move the function of payment, clicks on payment chain
The function tapping into row mobile payment is not particularly limited, and pays as long as link can be realized.
These are only presently preferred embodiments of the present invention, not in order to limit the present invention, all spirit in the present invention and
Within principle, any modification, equivalent substitution and improvement etc. made, should be included within the scope of the present invention.
Claims (10)
1. a method of mobile payment, for realizing mobile payment in solid shop/brick and mortar store, it is characterised in that comprise the following steps:
Pushing step, the POS in shop is at least pushed payment and requires to having that client specifies by Third-party payment server
The mobile terminal of mobile payment function；
Payment step, based on described payment requirement, utilizes described Third-party payment server to complete on the mobile terminal to hand over
The easily payment of the amount of money；And
Feedback step, payment result is fed back to described POS by described Third-party payment server.
Method of mobile payment the most according to claim 1, it is characterised in that
In described propelling movement step, the content pushed to described mobile terminal also includes tradable commodity information, described tradable commodity
Information at least includes trade name, quantity, unit price and dealing money.
Method of mobile payment the most according to claim 2, it is characterised in that
In described payment step, described mobile terminal carries out remote payment.
Method of mobile payment the most according to any one of claim 1 to 3, it is characterised in that
Also including initialization step before described propelling movement step, in described initialization step, described client enjoys and described shop
Small amount exempt from the right of close payment,
When described total transaction amount is less than fixing amount, described mobile terminal moves payment automatically.
Method of mobile payment the most according to claim 4, it is characterised in that
In described initialization step, described client also enjoys starting and buys on credit the right of pattern, start as described client described in buy on credit
During pattern, when the stipulated time pays, described mobile terminal moves payment automatically.
Method of mobile payment the most according to claim 2, it is characterised in that also include:
Step display, would indicate that the described Quick Response Code paying request or payment link show on the mobile terminal, passes through
Identify described Quick Response Code or click on described payment link complete pay.
Method of mobile payment the most according to claim 6, it is characterised in that
In described step display, described mobile terminal also shows described tradable commodity information.
Method of mobile payment the most according to claim 7, it is characterised in that
In described step display, described tradable commodity information and described payment require to show in institute with the form of a Quick Response Code
State on mobile terminal, by identifying described Quick Response Code, trade name that described tradable commodity information at least includes, quantity, list
Valency and dealing money and described payment requirement are simultaneously displayed on described mobile terminal.
9. a mobile-payment system, for realizing mobile payment in solid shop/brick and mortar store, it is characterised in that including:
Push part, the POS in shop is at least pushed payment and requires have shifting to what client specified by Third-party payment server
The mobile terminal of dynamic payment function；
Payment portion, based on described payment requirement, utilizes described Third-party payment server to complete transaction on the mobile terminal
The payment of the amount of money；And
Feedback section, payment result is fed back to described POS by described Third-party payment server.
Mobile-payment system the most according to claim 9, it is characterised in that
Described payment portion makes described mobile terminal carry out remote payment.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610546672.1A CN106203987A (en) | 2016-07-12 | 2016-07-12 | Method of mobile payment and mobile-payment system |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610546672.1A CN106203987A (en) | 2016-07-12 | 2016-07-12 | Method of mobile payment and mobile-payment system |
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| CN106203987A true CN106203987A (en) | 2016-12-07 |
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| CN201610546672.1A Pending CN106203987A (en) | 2016-07-12 | 2016-07-12 | Method of mobile payment and mobile-payment system |
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Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107749839A (en) * | 2017-09-27 | 2018-03-02 | 合肥博力生产力促进中心有限公司 | A kind of technological service based on internet is double to be selected from auxiliary system |
| CN107808284A (en) * | 2017-11-17 | 2018-03-16 | 上海瀚银信息技术有限公司 | A kind of method of payment based on POS system |
| CN108921538A (en) * | 2018-05-17 | 2018-11-30 | 镇江国中亿家科技有限公司 | A kind of cloud POS management platform and cloud POS system |
| CN109214805A (en) * | 2018-09-20 | 2019-01-15 | 镇江易商宝网络科技有限公司 | A kind of super autonomous shopping payment system of quotient based on codeword value |
| CN109598612A (en) * | 2018-10-16 | 2019-04-09 | 阿里巴巴集团控股有限公司 | The method and apparatus of resource seller's seven sale |
| CN110009444A (en) * | 2019-02-21 | 2019-07-12 | 厦门同城乐家电子商务有限公司 | A kind of wisdom marketing method based on payment terminal data |
| CN110458557A (en) * | 2019-07-03 | 2019-11-15 | 杭州复杂美科技有限公司 | A kind of mode of payment, equipment and storage medium |
| TWI705402B (en) * | 2019-08-02 | 2020-09-21 | 埃立思科技股份有限公司 | A membership system based on a community website and its operating method and an operating method for a membership meal ordering system based on a community website |
| CN111915292A (en) * | 2020-08-12 | 2020-11-10 | 河北金如软件开发有限公司 | Non-contact financial payment system and payment method |
| CN112561509A (en) * | 2020-12-07 | 2021-03-26 | 常青藤科技河北有限公司 | Payment method with electronic key and device thereof |
| CN113169867A (en) * | 2018-11-26 | 2021-07-23 | 杜比纳科软件 | Information receiving and transmitting method, device and system using QR (quick response) code |
| WO2022062783A1 (en) * | 2020-09-23 | 2022-03-31 | 青岛海尔洗衣机有限公司 | Laundry treatment agent management method and laundry treatment agent management system |
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Cited By (15)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107749839A (en) * | 2017-09-27 | 2018-03-02 | 合肥博力生产力促进中心有限公司 | A kind of technological service based on internet is double to be selected from auxiliary system |
| CN107808284A (en) * | 2017-11-17 | 2018-03-16 | 上海瀚银信息技术有限公司 | A kind of method of payment based on POS system |
| CN107808284B (en) * | 2017-11-17 | 2021-12-28 | 上海瀚银信息技术有限公司 | Payment method based on POS machine system |
| CN108921538A (en) * | 2018-05-17 | 2018-11-30 | 镇江国中亿家科技有限公司 | A kind of cloud POS management platform and cloud POS system |
| CN109214805A (en) * | 2018-09-20 | 2019-01-15 | 镇江易商宝网络科技有限公司 | A kind of super autonomous shopping payment system of quotient based on codeword value |
| CN109598612A (en) * | 2018-10-16 | 2019-04-09 | 阿里巴巴集团控股有限公司 | The method and apparatus of resource seller's seven sale |
| CN109598612B (en) * | 2018-10-16 | 2024-03-08 | 创新先进技术有限公司 | Method and device for resource delay delivery |
| CN113169867A (en) * | 2018-11-26 | 2021-07-23 | 杜比纳科软件 | Information receiving and transmitting method, device and system using QR (quick response) code |
| CN110009444A (en) * | 2019-02-21 | 2019-07-12 | 厦门同城乐家电子商务有限公司 | A kind of wisdom marketing method based on payment terminal data |
| CN110458557A (en) * | 2019-07-03 | 2019-11-15 | 杭州复杂美科技有限公司 | A kind of mode of payment, equipment and storage medium |
| CN110458557B (en) * | 2019-07-03 | 2022-05-24 | 杭州复杂美科技有限公司 | Payment method, payment equipment and storage medium |
| TWI705402B (en) * | 2019-08-02 | 2020-09-21 | 埃立思科技股份有限公司 | A membership system based on a community website and its operating method and an operating method for a membership meal ordering system based on a community website |
| CN111915292A (en) * | 2020-08-12 | 2020-11-10 | 河北金如软件开发有限公司 | Non-contact financial payment system and payment method |
| WO2022062783A1 (en) * | 2020-09-23 | 2022-03-31 | 青岛海尔洗衣机有限公司 | Laundry treatment agent management method and laundry treatment agent management system |
| CN112561509A (en) * | 2020-12-07 | 2021-03-26 | 常青藤科技河北有限公司 | Payment method with electronic key and device thereof |
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Application publication date: 20161207 |