CN106327181A - Convenient payment method and payment device thereof - Google Patents
Convenient payment method and payment device thereof Download PDFInfo
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- CN106327181A CN106327181A CN201510249647.2A CN201510249647A CN106327181A CN 106327181 A CN106327181 A CN 106327181A CN 201510249647 A CN201510249647 A CN 201510249647A CN 106327181 A CN106327181 A CN 106327181A
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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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q2250/00—Postage metering systems
- G06Q2250/05—Postage metering systems using cryptography
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Abstract
The invention relates to a convenient payment method and a payment device for realizing the method. When shopping payment is performed through the device according to the method, a mobile phone is used as a verification key for payment by utilizing the characteristic that the moderns basically carry the mobile phone. Passwords and other identity verification information do not need to be instantly inputted in payment and the payment security can be guaranteed so that the method has the effects of being convenient and rapid. All the steps of the method are completed by the payment device at the instant of payment. When payment is legal, the payer performs the action of "swiping" and does not need to perform additional input operation at the macro level so that the payment efficiency and the payment experience can be enhanced.
Description
Technical field
The present invention relates to a kind of convenient method of payment and payment mechanism thereof, belong to network finance payment technical field.
Background technology
The stars change in positions, makes rapid progress.
The place of presence of people exists for transaction, and during ancient times, transaction is carried out in the way of exchange of goods.Along with the development of metallurgical technology, metal gradually transition of coining is circulating medium, then the bank note occurred to modern age, carries out paying the mode of doing business being the most also still main flow by bank note.In today that network is flourishing, the paperless electronic payment quietly occurred the most quickly changes the payment custom of people.Swipe the card, shopping at network is the most no longer fresh object, pays by mails and has when small amount payment without small change, and when wholesale pays without carrying the advantage of a large amount of banknote, these advantages attract people to use this mode to pay just.
But from the standpoint of being in order at property safety, people must add that on the bank card of oneself or network payment account the information such as various passwords, fingerprint or vocal print are protected.When people in entity trade company or carry out shopping clearing at network shop, also cannot realize i.e. brush truly and i.e. walk, in addition it is also necessary to input above-mentioned protection information and carry out verifying to prove that the legal of account is had and then pay by oneself.This mode is more loaded down with trivial details, also have impact on the universal of the novel means of payment.
Summary of the invention
The technical problem to be solved in the present invention is: propose a kind of easily, payment speed can be improved and simultaneously can ensure the method for payment of safety of payment and realize device.
The present invention solves that the technical scheme () that above-mentioned technical problem proposes is: a kind of convenient method of payment, including following characteristics step:
A, will be used for the intelligent payment terminal that pays and carry out pre-bound mobile phone with it and set up communication connection, described intelligent payment terminal has communication module and payment information and obtains module, and described intelligent payment terminal prestores the special characteristic code about described mobile phone；
B, described intelligent payment terminal obtain module by described payment information and collect at payee and deal with bill information, described in deal with bill information and include payee's accounts information and amount payable information；
C, described intelligent payment terminal obtain the instant condition code of described mobile phone by described communication connection and described instant condition code and special characteristic code are carried out concordance contrast verification, judge that this pays with the result of described checking the most legal；
D, described intelligent payment terminal will be deemed as the bill information of dealing with of legal payment and be packaged as payment request information and described payment request information is sent to account settlement server；
E, described account settlement server perform fund according to described payment request information and transfer.
Further, special characteristic code described in step a be described intelligent payment terminal in described pre-binding time obtain；
In stepb, described intelligent payment terminal is collected by payment information acquisition module after dealing with bill information, also include that detecting intelligent payment terminal the most still keeps being connected with mobile phone, if detecting described in that intelligent payment terminal is connected with mobile phone to be off, described intelligent payment terminal terminates performing subsequent step and outwardly sending information.
The present invention solves that the technical scheme (two) that above-mentioned technical problem proposes is: a kind of convenient method of payment, including following characteristics step:
A, will be used for pay intelligent payment terminal and carried out with it pre-bound mobile phone set up communication connection, described intelligent payment terminal has communication module, timing module and payment information and obtains module, and described intelligent payment terminal prestores the special characteristic code about described mobile phone；
B, described intelligent payment terminal obtain the instant condition code of described mobile phone by described communication connection and described instant condition code and special characteristic code are carried out concordance contrast verification, and after checking is consistent, described timing module opens the countdown of scheduled duration；
C, before described countdown stops, obtaining module by described payment information and collect at payee and deal with bill information, described in deal with bill information and include payee's accounts information and amount payable information；
D, described intelligent payment terminal will cope with bill information and be packaged as payment request information and be sent to account settlement server；
E, described account settlement server perform fund according to described payment request information and transfer.
Further, described communication module includes long haul communication submodule and short haul connection submodule；
Described communication connection with mobile phone foundation is carried out by described short haul connection submodule；
Described intelligent payment terminal has account settlement server log-in module, have for inputting payer identity information input interface in described account settlement server log-in module, described intelligent payment terminal is wearable smart machine, and described wearable smart machine is Intelligent bracelet；
Described account settlement server has that access for described intelligent payment terminal and can verify that the intelligent payment terminal access interface that described payer identity information is the most legal；
Before carrying out described step a, described intelligent payment terminal is logged in by described account settlement server log-in module and is connected to described account settlement server by payer；
Described log in connection and described account settlement server that payment request information is sent to carried out by long haul communication submodule；
Described short haul connection submodule is bluetooth communication, and described long haul communication submodule is mobile network communication module.
Further, in described step a, when intelligent payment terminal cannot connect to described mobile phone, described intelligent payment terminal terminates performing subsequent step and outwardly sending information.
Further, described mobile phone is provided with mobile phone condition code read module and mobile phone condition code sending module；
Described intelligent payment terminal refers to first be sent instant read requests by described intelligent payment terminal to described mobile phone condition code read module by the instant condition code that described communication connection obtains described mobile phone, then read instant mobile phone condition code by described mobile phone condition code read module, then by described mobile phone condition code sending module, described instant mobile phone condition code is sent to described intelligent payment terminal；
Described concordance contrast verification refers to by intelligent payment terminal the most consistent by carrying out comparison check with described special handset condition code described in described instant mobile phone condition code.
Further, payment information obtains module is audio scan module, bar code scan module, NFC module or radio frequency induction module.
Further, described mobile phone condition code is phone number.
Further, described intelligent payment terminal is legal be linked into described account settlement server after, described account settlement server sends dynamic encrypting code to described intelligent payment terminal, being encrypted by described dynamic encrypting code when packing payment request information in described step d, the described payment request information received is decrypted by described account settlement server by described dynamic encrypting code.
A kind of payment mechanism for carrying out paying according to above-mentioned convenient method of payment, it is characterized in that: include housing, battery and panel, described panel is provided with processor and also includes forming the mobile network communication module of data cube computation, bluetooth communication, bin, payment information acquisition module and information generating means respectively by I/O bus and described processor, and described payment information obtains module and includes audio scan module, bar code scan module, NFC module or radio frequency induction module.
The invention has the beneficial effects as follows:
When in the present invention, methods carry out shopping payment, it is not necessary to immediately input the authentication information such as password but the safety of payment can also be ensured, there is conveniently effect.
Wherein mechanism is: before payment, and intelligent payment terminal (bracelet) is first logged in and is connected to account settlement server, such as the background system of Alipay by payer；
Paying under scene, intelligent payment terminal is first attempted the mobile phone with payer and is carried out pairing and is connected, uses short haul connection to connect, such as bluetooth connection when pairing connects.Connect first confirmation this time pays whether be whether that initiated by the lawful owner of intelligent payment terminal or intelligent payment terminal lawful owner is in current payment scene by this pairing.After completing pairing connection, intelligent payment terminal further requirement obtains the phone number of mobile phone and carries out secondary-confirmation, further to ensure payment safety.Mobile phone and phone number are the secret keys paid.
By above-mentioned confirmation, can confirm that this time paying is lawful owner's license that is that initiated by the lawful owner of intelligent payment terminal or that obtain intelligent payment terminal.The accounts information and the amount information that need when paying are packaged into transaction request information by dynamic encryption and pass to account settlement server by intelligent payment terminal, account settlement server is through dynamically deciphering to confirm that this transaction request information is strictly that sent rather than illegal or false transaction request information by the intelligent payment terminal through checking.After checking, account settlement server carries out fund and transfers.
These method steps are entirely in payment moment and are completed by intelligent payment terminal.When paying legal, it is no need for carrying out extra input operation in addition to carrying out " brush " this action in macroscopically payer, improves payment efficiency and pay impression.
Accompanying drawing explanation
Below in conjunction with the accompanying drawings the convenient method of payment of the present invention is described further.
Fig. 1 is the logic diagram of convenient method of payment in embodiment one；
Fig. 2 is the logic diagram of convenient method of payment in embodiment two.
Detailed description of the invention
Embodiment one
By describing the technology contents of the present invention, structural feature in detail, being realized purpose and effect, below in conjunction with embodiment and coordinate accompanying drawing to be explained in detail.
The method that the present embodiment discloses can apply to realize in processor or by processor.Processor is probably a kind of IC chip, has the disposal ability of signal.During realizing, each step of following method can be completed by the instruction of the integrated logic circuit of the hardware in processor or software form.Following processor can be general processor, digital signal processor (DSP), special IC (ASIC), ready-made programmable gate array (FPGA) or other PLDs, discrete gate or transistor logic, discrete hardware components.Can realize or perform disclosed each method, step and the logic diagram in the embodiment of the present invention.The processor etc. that general processor can be microprocessor or this processor can also be any routine.Hardware decoding processor can be embodied directly in conjunction with the step of the method disclosed in the embodiment of the present invention to have performed, or combine execution by the hardware in decoding processor and software module and complete.Term " module " can realize the software of predetermined function and/or the combination of hardware.Although the device described by following example preferably realizes with software, but hardware, or the realization of the combination of software and hardware also may and be contemplated.
According to Fig. 1, the intelligent payment terminal that convenient method is to be used in the present embodiment is Intelligent bracelet, and this Intelligent bracelet includes housing, battery and panel.Certainly, in order to the most convenient to operate, it is also possible to the surface configuration in Intelligent bracelet has LCDs, this LCDs is also connected with the display information output mouth on panel.
Panel is provided with processor and also includes forming the mobile network communication module of data cube computation, bluetooth communication, bin, payment information acquisition module and information generating means respectively by I/O bus and processor.Mobile network communication module can also be the module that other type can realize long haul communication, and bluetooth communication can also be by such as short-range communication module such as infrared transmission.Certainly, for the consideration of apparatus structure simplicity, it is also possible to be not only can be connected with account settlement server but also the communication module of short haul connection can be carried out to substitute mobile network communication module and bluetooth communication by one.
Intelligent bracelet may be connected to be positioned at the account settlement server on backstage by mobile network communication module, and account settlement server is the background server of Alipay, it is also possible to is that other have the background server of settlement function equally.Payer registers with account on account settlement server, and supplements with money in this account.
Payment information obtains module and is preferably bar code scan module in the present embodiment, it is also possible to be other NFC module, audio scan module or radio frequency induction module etc..
Information generating means is preferably LCDs and vibrational feedback device, it is also possible to for other kinds of suggestion devices such as sound wave alarms.
Intelligent bracelet is provided with account settlement server log-in module, account settlement server log-in module has for inputting payer identity information input interface.
Account settlement server has that access for Intelligent bracelet and can verify that the Intelligent bracelet access interface that payer identity information is the most legal.
Before paying, intelligent payment terminal is logged in by account settlement server log-in module and the account registered and is connected to account settlement server by payer.If certainly in LAN or small-scale application, server can also be directly connected to without logging on the premise of can confirm that equipment validity.
Intelligent bracelet and the mobile phone that can determine that payer identity characteristic are carried out pre-binding, and pre-binding can also be carried out with specific Intelligent bracelet when mobile phone dispatches from the factory.Pre-binding is connected in this embodiment by mode and the mobile phone pairing of Bluetooth communication.
When pre-binding, payer inputs specific phone number in Intelligent bracelet, and specific phone number can also be to be directly obtained from being arranged on mobile phone condition code read module and mobile phone condition code sending module mobile phone by Intelligent bracelet.Can infer, condition code is not necessarily phone number, for other situation, it is also possible to the MAC Address etc. being Bluetooth of mobile phone module can the character string with uniqueness of corresponding concrete mobile phone.
Mainly comprise the steps that during payment
A, the Intelligent bracelet that pays will be used for and carried out pre-bound mobile phone with it and set up Bluetooth communication and be connected.
B, Intelligent bracelet are collected by the way of payee sentences barcode scanning by bar code scan module and deal with bill information, deal with bill information and include payee's accounts information and amount payable information.
C, Intelligent bracelet are connected by Bluetooth communication immediately to obtain and currently connect the phone number of mobile phone and the special handset number prestored on this instant phone number and Intelligent bracelet is carried out concordance contrast verification, carry out comparison check the most consistent, judge that this time payment is the most legal with the result of checking.
Preferably, if consistent, judging that this payment is legal, if inconsistent, judgement this time pays illegal, and Intelligent bracelet termination execution subsequent step also passes through information generating means and outwardly sends information.
Preferably, first instant read requests is sent by Intelligent bracelet to mobile phone condition code read module during phone number when obtaining, then read instant phone number by mobile phone condition code read module, then by mobile phone condition code sending module, instant phone number is sent to Intelligent bracelet；
D, Intelligent bracelet will be deemed as the bill information of dealing with of legal payment and be packaged as payment request information and payment request information is sent to account settlement server.
Preferably, Intelligent bracelet is legal be linked into account settlement server after, account settlement server sends dynamic encrypting code to Intelligent bracelet, is encrypted by dynamic encrypting code when packing payment request information in step d, and the payment request information received is decrypted by account settlement server by dynamic encrypting code.
E, account settlement server perform fund according to the payment request information through deciphering and transfer, will the fund inside payer account transfer payee account in.
Embodiment two
By describing the technology contents of the present invention, structural feature in detail, being realized purpose and effect, below in conjunction with embodiment and coordinate accompanying drawing to be explained in detail.
The method that the present embodiment discloses can apply to realize in processor or by processor.Processor is probably a kind of IC chip, has the disposal ability of signal.During realizing, each step of following method can be completed by the instruction of the integrated logic circuit of the hardware in processor or software form.Following processor can be general processor, digital signal processor (DSP), special IC (ASIC), ready-made programmable gate array (FPGA) or other PLDs, discrete gate or transistor logic, discrete hardware components.Can realize or perform disclosed each method, step and the logic diagram in the embodiment of the present invention.The processor etc. that general processor can be microprocessor or this processor can also be any routine.Hardware decoding processor can be embodied directly in conjunction with the step of the method disclosed in the embodiment of the present invention to have performed, or combine execution by the hardware in decoding processor and software module and complete.Term " module " can realize the software of predetermined function and/or the combination of hardware.Although the device described by following example preferably realizes with software, but hardware, or the realization of the combination of software and hardware also may and be contemplated.
According to Fig. 1, the intelligent payment terminal that convenient method is to be used in the present embodiment is Intelligent bracelet, and this Intelligent bracelet includes housing, battery and panel.Certainly, in order to the most convenient to operate, it is also possible to the surface configuration in Intelligent bracelet has LCDs, this LCDs is also connected with the display information output mouth on panel.
Panel is provided with processor and also includes forming the mobile network communication module of data cube computation, bluetooth communication, bin, timing module, payment information acquisition module and information generating means respectively by I/O bus and processor.Mobile network communication module can also be the module that other type can realize long haul communication, and bluetooth communication can also be by such as short-range communication module such as infrared transmission.Certainly, for the consideration of apparatus structure simplicity, it is also possible to be not only can be connected with account settlement server but also the communication module of short haul connection can be carried out to substitute mobile network communication module and bluetooth communication by one.
Intelligent bracelet may be connected to be positioned at the account settlement server on backstage by mobile network communication module, and account settlement server is the background server of Alipay, it is also possible to is that other have the background server of settlement function equally.Payer registers with account on account settlement server, and supplements with money in this account.
Payment information obtains module and is preferably bar code scan module in the present embodiment, it is also possible to be other NFC module, audio scan module or radio frequency induction module etc..
Information generating means is preferably LCDs and vibrational feedback device, it is also possible to for other kinds of suggestion devices such as sound wave alarms.
Intelligent bracelet is provided with account settlement server log-in module, account settlement server log-in module has for inputting payer identity information input interface.
Account settlement server has that access for Intelligent bracelet and can verify that the Intelligent bracelet access interface that payer identity information is the most legal.
Before paying, intelligent payment terminal is logged in by account settlement server log-in module and the account registered and is connected to account settlement server by payer.If certainly in LAN or small-scale application, server can also be directly connected to without logging on the premise of can confirm that equipment validity.
Intelligent bracelet and the mobile phone that can determine that payer identity characteristic are carried out pre-binding, and pre-binding can also be carried out with specific Intelligent bracelet when mobile phone dispatches from the factory.Pre-binding is connected in this embodiment by mode and the mobile phone pairing of Bluetooth communication.
When pre-binding, payer inputs specific phone number in Intelligent bracelet, and specific phone number can also be to be directly obtained from being arranged on mobile phone condition code read module and mobile phone condition code sending module mobile phone by Intelligent bracelet.Can infer, condition code is not necessarily phone number, for other situation, it is also possible to the MAC Address etc. being Bluetooth of mobile phone module can the character string with uniqueness of corresponding concrete mobile phone.
Mainly comprise the steps that during payment
A, the Intelligent bracelet that pays will be used for and carried out pre-bound mobile phone with it and set up Bluetooth communication and be connected.
B, Intelligent bracelet are connected by Bluetooth communication immediately to obtain and currently connect the phone number of mobile phone and the special handset number prestored on this instant phone number and Intelligent bracelet is carried out concordance contrast verification, carrying out comparison check the most consistent, after checking is consistent, described timing module opens the countdown of scheduled duration；
Preferably, if verifying inconsistent, Intelligent bracelet terminates performing subsequent step and outwardly sending information by information generating means.
Preferably, first instant read requests is sent by Intelligent bracelet to mobile phone condition code read module during phone number when obtaining, then read instant phone number by mobile phone condition code read module, then by mobile phone condition code sending module, instant phone number is sent to Intelligent bracelet.
C, described countdown stop before, Intelligent bracelet is collected by the way of payee sentences barcode scanning by bar code scan module and deals with bill information, deals with bill information and includes payee's accounts information and amount payable information.
D, described intelligent payment terminal will cope with bill information and be packaged as payment request information and be sent to account settlement server.
Preferably, Intelligent bracelet is legal be linked into account settlement server after, account settlement server sends dynamic encrypting code to Intelligent bracelet, is encrypted by dynamic encrypting code when packing payment request information in step d, and the payment request information received is decrypted by account settlement server by dynamic encrypting code.
E, account settlement server perform fund according to the payment request information through deciphering and transfer, will the fund inside payer account transfer payee account in.
Embodiment three
The present embodiment is to a kind of replacement of technical scheme in embodiment one or two: substituting Intelligent bracelet with intelligence pendant, intelligence pendant can be worn at payer front.
Intelligent bracelet internal structure is identical with the structure of Intelligent bracelet.
Will be appreciated that: Intelligent bracelet can also be substituted by other type of wearable smart machine.
The present invention is not limited to above-described embodiment, and the technical scheme of each embodiment above-mentioned of the present invention can form new technical scheme with combined crosswise each other, and the technical scheme that the most all employing equivalents are formed all falls within the protection domain of application claims.
Claims (10)
1. a convenient method of payment, including following characteristics step:
A, will be used for the intelligent payment terminal that pays and carry out pre-bound mobile phone with it and set up communication connection, described intelligent payment terminal has communication module and payment information and obtains module, and described intelligent payment terminal prestores the special characteristic code about described mobile phone；
B, described intelligent payment terminal obtain module by described payment information and collect at payee and deal with bill information, described in deal with bill information and include payee's accounts information and amount payable information；
C, described intelligent payment terminal obtain the instant condition code of described mobile phone by described communication connection and described instant condition code and special characteristic code are carried out concordance contrast verification, judge that this pays with the result of described checking the most legal；
D, described intelligent payment terminal will be deemed as the bill information of dealing with of legal payment and be packaged as payment request information and described payment request information is sent to account settlement server；
E, described account settlement server perform fund according to described payment request information and transfer.
2. a convenient method of payment, including following characteristics step:
A, will be used for pay intelligent payment terminal and carried out with it pre-bound mobile phone set up communication connection, described intelligent payment terminal has communication module, timing module and payment information and obtains module, and described intelligent payment terminal prestores the special characteristic code about described mobile phone；
B, described intelligent payment terminal obtain the instant condition code of described mobile phone by described communication connection and described instant condition code and special characteristic code are carried out concordance contrast verification, and after checking is consistent, described timing module opens the countdown of scheduled duration；
C, before described countdown stops, obtaining module by described payment information and collect at payee and deal with bill information, described in deal with bill information and include payee's accounts information and amount payable information；
D, described intelligent payment terminal will cope with bill information and be packaged as payment request information and be sent to account settlement server；
E, described account settlement server perform fund according to described payment request information and transfer.
The most convenient method of payment, it is characterised in that: special characteristic code described in step a be described intelligent payment terminal in described pre-binding time obtain；
In stepb, described intelligent payment terminal is collected by payment information acquisition module after dealing with bill information, also include that detecting intelligent payment terminal the most still keeps being connected with mobile phone, if detecting described in that intelligent payment terminal is connected with mobile phone to be off, described intelligent payment terminal terminates performing subsequent step and outwardly sending information.
Convenient method of payment the most according to claim 1 or claim 2, it is characterised in that: described communication module includes long haul communication submodule and short haul connection submodule；
Described communication connection with mobile phone foundation is carried out by described short haul connection submodule；
Described intelligent payment terminal has account settlement server log-in module, described account settlement server log-in module has for inputting payer identity information input interface, and described intelligent payment terminal is wearable smart machine, and described wearable smart machine is Intelligent bracelet；
Described account settlement server has that access for described intelligent payment terminal and can verify that the intelligent payment terminal access interface that described payer identity information is the most legal；
Before carrying out described step a, described intelligent payment terminal is logged in by described account settlement server log-in module and is connected to described account settlement server by payer；
Described log in connection and described account settlement server that payment request information is sent to carried out by long haul communication submodule；
Described short haul connection submodule is bluetooth communication, and described long haul communication submodule is mobile network communication module.
Convenient method of payment the most according to claim 1 or claim 2, it is characterised in that: in described step a, when intelligent payment terminal cannot connect to described mobile phone, described intelligent payment terminal terminates performing subsequent step and outwardly sending information.
Convenient method of payment the most according to claim 1 or claim 2, it is characterised in that: described mobile phone is provided with mobile phone condition code read module and mobile phone condition code sending module；
Described intelligent payment terminal refers to first be sent instant read requests by described intelligent payment terminal to described mobile phone condition code read module by the instant condition code that described communication connection obtains described mobile phone, then read instant mobile phone condition code by described mobile phone condition code read module, then by described mobile phone condition code sending module, described instant mobile phone condition code is sent to described intelligent payment terminal；
Described concordance contrast verification refers to by intelligent payment terminal the most consistent by carrying out comparison check with described special handset condition code described in described instant mobile phone condition code.
Convenient method of payment the most according to claim 1 or claim 2, it is characterised in that: it is audio scan module, bar code scan module, NFC module or radio frequency induction module that payment information obtains module.
The most convenient method of payment, it is characterised in that: described mobile phone condition code is phone number.
The most convenient method of payment, it is characterized in that: described intelligent payment terminal is legal be linked into described account settlement server after, described account settlement server sends dynamic encrypting code to described intelligent payment terminal, being encrypted by described dynamic encrypting code when packing payment request information in described step d, the described payment request information received is decrypted by described account settlement server by described dynamic encrypting code.
10. one kind is used for the payment mechanism carrying out paying according to method of payment convenient described in claim 1 or 2, it is characterized in that: include housing, battery and panel, described panel is provided with processor and also includes forming the mobile network communication module of data cube computation, bluetooth communication, bin, payment information acquisition module and information generating means respectively by I/O bus and described processor, and described payment information obtains module and includes audio scan module, bar code scan module, NFC module or radio frequency induction module.
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| CN201510249647.2A CN106327181A (en) | 2015-07-03 | 2015-07-03 | Convenient payment method and payment device thereof |
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| CN201510249647.2A CN106327181A (en) | 2015-07-03 | 2015-07-03 | Convenient payment method and payment device thereof |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108197929A (en) * | 2017-11-27 | 2018-06-22 | 拉卡拉支付股份有限公司 | The safe payment method and device of a kind of wearable device |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108197929A (en) * | 2017-11-27 | 2018-06-22 | 拉卡拉支付股份有限公司 | The safe payment method and device of a kind of wearable device |
| CN108197929B (en) * | 2017-11-27 | 2019-07-23 | 拉卡拉支付股份有限公司 | A kind of safe payment method and device of wearable device |
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