CN106372897A - Payment apparatus and method, and mobile terminal - Google Patents

Payment apparatus and method, and mobile terminal Download PDF

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Publication number
CN106372897A
CN106372897A CN201610823189.3A CN201610823189A CN106372897A CN 106372897 A CN106372897 A CN 106372897A CN 201610823189 A CN201610823189 A CN 201610823189A CN 106372897 A CN106372897 A CN 106372897A
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CN
China
Prior art keywords
payment
mobile terminal
card
module
identification information
Prior art date
Application number
CN201610823189.3A
Other languages
Chinese (zh)
Inventor
吕森
Original Assignee
努比亚技术有限公司
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Priority to CN201610805578 priority Critical
Priority to CN2016108055783 priority
Application filed by 努比亚技术有限公司 filed Critical 努比亚技术有限公司
Publication of CN106372897A publication Critical patent/CN106372897A/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3278RFID or NFC payments by means of M-devices

Abstract

The invention discloses a payment apparatus and method, and a mobile terminal, and belongs to the technical field of a mobile terminal. The device comprises an identification obtaining module used for obtaining identification information of a mobile terminal; a broadcast module used for generating a corresponding payment command according to the identification information and broadcasting the payment command; and a receiving module used for receiving payment operation carried out by the mobile terminal according to the payment command. According to the invention, medium and long-distance small-sum mobile payment can be realized through a broadcast mode.

Description

A kind of payment mechanism, method and mobile terminal
Technical field
The present invention relates to technical field of mobile terminals, more particularly, to a kind of payment mechanism, method and mobile terminal.
Background technology
A kind of scene can be run into when by bus, find after getting on the bus that on mass transit card, Sorry, your ticket has not enough value, and there is no change with it, Make troubles to our trip, be badly in need of a kind of method, the small amount being capable of medium and long distance moves rapid payment.
The mobile phone with nfc function is like a traditional contactless smart card being read by external card reader, such as visa Some private datas on card write in the secret unit of mobile phone, and data is read by external card reader, and breath of concurrently delivering letters is to enter one Step operation, this makes can be to carry out non-contacting payment and ticketing service using nfc mobile phone on the basis of not changing existing utility Business, mobile payment, ticketing service access control etc. are exactly the example of this usage.
Content of the invention
Present invention is primarily targeted at proposing a kind of payment mechanism, method and mobile terminal, broadcast mode can be passed through, Realize the mobile payment of small amount of medium and long distance.
For achieving the above object, a kind of payment mechanism that the present invention provides, comprising:
Identifier acquisition module, for obtaining the identification information of mobile terminal;
Broadcast module, for generating corresponding payment order according to described identification information, and broadcasts described payment order;
Receiver module, for receiving the payment operation that mobile terminal is carried out according to described payment order.
Alternatively, also include:
On-site payment module, for receiving the payment operation that prepaid card is executed by RF-wise;
Data obtaining module, for obtaining prepayment card information, described prepaid card information includes balance amount information and prepaid card card Number;
Whether remaining sum pushing module, for judging the remaining sum of described prepaid card enough to described in executing according to described balance amount information Payment operation, if so, then executes described payment operation, and the balance amount information after payment is sent the shifting bound in advance to prepaid card Dynamic terminal;
Remote payment request module, for when Sorry, your ticket has not enough value to execute described payment operation for described prepaid card, then obtaining Take the identification information of the mobile terminal that prepaid card binds in advance.
Alternatively, described identifier acquisition module particularly as follows:
Obtain the identification information of mobile terminal by nfc, scanning Quick Response Code, bar code, bluetooth or wifi.
Alternatively, described broadcast module includes:
Signal generating unit, for generating corresponding payment order according to described identification information, described payment order includes long-range Pay address;
Radio unit, for by bluetooth low energy consumption technologies ble or periphery cognition technology nan broadcast described payment order.
As another aspect of the present invention, a kind of method of mobile payment providing, it is applied to payment mechanism, comprising:
Obtain the identification information of mobile terminal;
Corresponding payment order is generated according to described identification information, and broadcasts described payment order;
Receive the payment operation that mobile terminal is carried out according to described payment order.
Alternatively, include before the identification information of described acquisition mobile terminal:
Payment operation is executed to payment mechanism by prepaid card;
Payment mechanism obtains prepayment card information, and described prepaid card information includes balance amount information and prepaid card card number;
Whether the remaining sum of described prepaid card is judged enough to execute described payment operation according to described balance amount information, if so, then Execute described payment operation, and the balance amount information after payment is sent the mobile terminal bound in advance to prepaid card;
If Sorry, your ticket has not enough value for described prepaid card to execute described payment operation, prepaid card is obtained in advance by payment mechanism The identification information of the mobile terminal of binding.
Alternatively, described obtain mobile terminal identification information particularly as follows:
Obtain the identification information of mobile terminal by nfc, scanning Quick Response Code, bar code, bluetooth or wifi.
Alternatively, described according to described identification information generate corresponding payment order, and broadcast described payment order include:
Corresponding payment order is generated according to described identification information, described payment order includes remote payment address;
By bluetooth low energy consumption technologies ble or periphery cognition technology nan broadcast described payment order.
As another aspect of the present invention, a kind of mobile terminal providing, comprising:
Detecting module, for detecting and parsing the broadcast message of payment mechanism transmission, obtains paying in described broadcast message Money order;
Payment module, when mating with described mobile terminal for corresponding identification information in ordering when described payment, according to Described payment order is paid.
As another aspect of the present invention, a kind of method of payment providing, it is applied to mobile terminal, comprising:
Detect and parse the broadcast message of payment mechanism transmission, obtain the payment order in described broadcast message;
If corresponding identification information is mated with described mobile terminal in described payment order, entered according to described payment order Row pays.
A kind of payment mechanism proposed by the present invention, method and mobile terminal, this device includes: identifier acquisition module, is used for Obtain the identification information of mobile terminal;Broadcast module, for generating corresponding payment order according to described identification information, and broadcasts Described payment order;Receiver module, for receiving the payment operation that mobile terminal is carried out according to described payment order, can pass through Broadcast mode, realizes the mobile payment of small amount of medium and long distance.
Brief description
Fig. 1 is the hardware architecture diagram of the mobile terminal realizing each embodiment of the present invention;
Fig. 2 is the wireless communication system schematic diagram of mobile terminal as shown in Figure 1;
A kind of payment mechanism exemplary block diagram that Fig. 3 provides for the embodiment of the present invention one;
The payment mechanism workflow schematic diagram being applied to mass transit card that Fig. 4 provides for the embodiment of the present invention one;
A kind of payment mechanism exemplary block diagram that Fig. 5 provides for the embodiment of the present invention two;
A kind of payment mechanism exemplary block diagram that Fig. 6 provides for the embodiment of the present invention three;
A kind of method of payment flow chart that Fig. 7 provides for the embodiment of the present invention four;
A kind of method of payment flow chart that Fig. 8 provides for the embodiment of the present invention five;
A kind of method of payment flow chart that Fig. 9 provides for the embodiment of the present invention six;
A kind of mobile terminal exemplary block diagram that Figure 10 provides for the embodiment of the present invention seven;
A kind of method of payment flow chart that Figure 11 provides for the embodiment of the present invention eight.
The realization of the object of the invention, functional characteristics and advantage will be described further in conjunction with the embodiments referring to the drawings.
Specific embodiment
It should be appreciated that specific embodiment described herein, only in order to explain the present invention, is not intended to limit the present invention.
Realize the mobile terminal of each embodiment of the present invention referring now to Description of Drawings.In follow-up description, use For represent element such as " module ", " part " or " unit " suffix only for being conducive to the explanation of the present invention, itself Not specific meaning.Therefore, " module " and " part " can mixedly use.
Mobile terminal can be implemented in a variety of manners.For example, the terminal described in the present invention can include such as moving Phone, smart phone, notebook computer, digit broadcasting receiver, pda (personal digital assistant), pad (panel computer), pmp The mobile terminal of (portable media player), guider etc. and such as numeral tv, desk computer etc. consolidate Determine terminal.Hereinafter it is assumed that terminal is mobile terminal.However, it will be understood by those skilled in the art that, except being used in particular for moving Outside the element of purpose, construction according to the embodiment of the present invention can also apply to the terminal of fixed type.
Fig. 1 is the hardware architecture diagram realizing the optional mobile terminal of each embodiment of the present invention one.
Mobile terminal 1 00 can include wireless communication unit 110, a/v (audio/video) input block 120, user input Unit 130, sensing unit 140, output unit 150, memorizer 160, interface unit 170, controller 180 and power subsystem 190 Etc..Fig. 1 shows the mobile terminal with various assemblies, it should be understood that being not required for implementing all groups illustrating Part.More or less of assembly can alternatively be implemented.Will be discussed in more detail below the element of mobile terminal.
Wireless communication unit 110 generally includes one or more assemblies, and it allows mobile terminal 1 00 and wireless communication system Or the radio communication between network.For example, wireless communication unit can include mobile communication module 112, wireless Internet mould At least one of block 113, short range communication module 114.
Mobile communication module 112 sends radio signals to base station (for example, access point, node b etc.), exterior terminal And at least one of server and/or receive from it radio signal.Such radio signal can include voice and lead to Words signal, video calling signal or the various types of data sending and/or receiving according to text and/or Multimedia Message.
Wireless Internet module 113 supports the Wi-Fi (Wireless Internet Access) of mobile terminal.This module can be internally or externally It is couple to terminal.Wi-Fi (Wireless Internet Access) technology involved by this module can include wlan (wireless lan) (wi-fi), wibro (WiMAX), wimax (worldwide interoperability for microwave accesses), hsdpa (high-speed downlink packet access) etc..
Short range communication module 114 is the module for supporting junction service.Some examples of short-range communication technology include indigo plant Tooth tm, RF identification (rfid), Infrared Data Association (irda), ultra broadband (uwb), purple honeybee tm etc..
A/v input block 120 is used for receiving audio or video signal.A/v input block 120 can include mike 1220, mike 122 can be via Mike in telephone calling model, logging mode, speech recognition mode etc. operational mode Wind receives sound (voice data), and can be voice data by such acoustic processing.Audio frequency (voice) number after process According to the lattice that can be sent to mobile communication base station via mobile communication module 112 can be converted in the case of telephone calling model Formula exports.Mike 122 can implement various types of noises eliminate (or suppression) algorithms with eliminate (or suppression) receiving and The noise producing during sending audio signal or interference.
User input unit 130 can generate key input data to control each of mobile terminal according to the order of user input Plant operation.User input unit 130 allows the various types of information of user input, and can include keyboard, metal dome, touch Plate (for example, detection due to touched and lead to resistance, pressure, the change of electric capacity etc. sensitive component), roller, rocking bar etc. Deng.Especially, when touch pad is superimposed upon on display unit 151 as a layer, touch screen can be formed.
Sensing unit 140 detect mobile terminal 1 00 current state, (for example, mobile terminal 1 00 open or close shape State), the position of mobile terminal 1 00, user is for the presence or absence of the contact (that is, touch input) of mobile terminal 1 00, mobile terminal 100 orientation, the acceleration or deceleration movement of mobile terminal 1 00 and direction etc., and generate for controlling mobile terminal 1 00 The order of operation or signal.For example, when mobile terminal 1 00 is embodied as sliding-type mobile phone, sensing unit 140 can sense This sliding-type phone opens or cuts out.In addition, sensing unit 140 can detect power subsystem 190 whether provide electric power or Whether person's interface unit 170 is coupled with external device (ED).
Interface unit 170 is connected, with mobile terminal 1 00, the interface that can pass through as at least one external device (ED).For example, External device (ED) can include wired or wireless head-band earphone port, external power source (or battery charger) port, wired or nothing Line FPDP, memory card port, the port of device for connection with identification module, audio input/output (i/o) end Mouth, video i/o port, ear port etc..Identification module can be storage for verifying that user uses each of mobile terminal 1 00 Kind of information and subscriber identification module (uim), client identification module (sim), Universal Subscriber identification module (usim) can be included Etc..In addition, the device (hereinafter referred to as " identifying device ") with identification module can take the form of smart card, therefore, know Other device can be connected with mobile terminal 1 00 via port or other attachment means.Interface unit 170 can be used for reception and is derived from The input (for example, data message, electric power etc.) of the external device (ED) and input receiving is transferred in mobile terminal 1 00 One or more elements or can be used for transmission data between mobile terminal and external device (ED).
In addition, when mobile terminal 1 00 is connected with external base, interface unit 170 can serve as allowing by it by electricity Power provides the path of mobile terminal 1 00 from base or can serve as allowing the various command signals from base input to pass through it It is transferred to the path of mobile terminal.May serve as identifying that mobile terminal is from the various command signals of base input or electric power The no signal being accurately fitted within base.Output unit 150 is configured to defeated with the offer of vision, audio frequency and/or tactile manner Go out signal (for example, audio signal, video signal, alarm signal, vibration signal etc.).Output unit 150 can include audio frequency Output module 152 etc..
Dio Output Modules 152 can mobile terminal be in call signal reception pattern, call mode, logging mode, When under the isotypes such as speech recognition mode, broadcast reception mode, that wireless communication unit 110 is received or in memorizer 160 The voice data transducing audio signal of middle storage and be output as sound.And, dio Output Modules 152 can provide and move The audio output (for example, call signal receives sound, message sink sound etc.) of the specific function correlation of terminal 100 execution. Dio Output Modules 152 can include speaker, buzzer etc..
Memorizer 160 can store software program of the process being executed by controller 180 and control operation etc., or can Temporarily to store oneself data (for example, telephone directory, message, still image, video etc.) through exporting or will export.And And, memorizer 160 can be to store the vibration of various modes with regard to exporting and audio signal when touching and being applied to touch screen Data.
Memorizer 160 can include the storage medium of at least one type, and described storage medium includes flash memory, hard disk, many Media card, card-type memorizer (for example, sd or dx memorizer etc.), random access storage device (ram), static random-access storage Device (sram), read only memory (rom), Electrically Erasable Read Only Memory (eeprom), programmable read only memory (prom), magnetic storage, disk, CD etc..And, mobile terminal 1 00 can execute memorizer with by network connection The network storage device cooperation of 160 store function.
Controller 180 generally controls the overall operation of mobile terminal.For example, controller 180 execution and voice call, data The related control of communication, video calling etc. and process.In addition, controller 180 can be included for reproducing (or playback) many matchmakers The multi-media module 1810 of volume data, multi-media module 1810 can construct in controller 180, or it is so structured that and control Device 180 processed separates.Controller 180 can be with execution pattern identifying processing, by the handwriting input executing on the touchscreen or figure Piece is drawn input and is identified as character or image.
Power subsystem 190 receives external power or internal power under the control of controller 180 and provides operation each unit Suitable electric power needed for part and assembly.
Various embodiment described herein can be with using such as computer software, hardware or its any combination of calculating Machine computer-readable recording medium is implementing.Hardware is implemented, embodiment described herein can be by using application-specific IC (asic), digital signal processor (dsp), digital signal processing device (dspd), programmable logic device (pld), scene can Program gate array (fpga), processor, controller, microcontroller, microprocessor, be designed to execute function described herein At least one in electronic unit implementing, in some cases, can be implemented in controller 180 by such embodiment. Software is implemented, the embodiment of such as process or function can with allow to execute the single of at least one function or operation Software module is implementing.Software code can be come by the software application (or program) write with any suitable programming language Implement, software code can be stored in memorizer 160 and be executed by controller 180.
So far, oneself is through describing mobile terminal according to its function.Below, for the sake of brevity, will describe such as folded form, Slide type mobile terminal in various types of mobile terminals of board-type, oscillating-type, slide type mobile terminal etc. is as showing Example.Therefore, the present invention can be applied to any kind of mobile terminal, and is not limited to slide type mobile terminal.
With reference to Fig. 2, cdma wireless communication system can include multiple mobile terminal 1s 00, multiple base station (bs) 270, base station Controller (bsc) 275 and mobile switching centre (msc) 280.Msc280 is configured to and Public Switched Telephony Network (pstn) 290 formation interfaces.Msc280 is also structured to and can form interface via the bsc275 that back haul link is couple to base station 270. If back haul link can construct according to any one in the interface that Ganji knows, described interface includes such as e1/t1, atm, ip, Ppp, frame relay, hdsl, adsl or xdsl.It will be appreciated that system as shown in Figure 2 can include multiple bsc2750.
Each bs270 can service one or more subregions (or region), by the sky of multidirectional antenna or sensing specific direction Each subregion that line covers is radially away from bs270.Or, each subregion can by for diversity reception two or more Antenna covers.Each bs270 may be constructed such that support multiple frequency distribution, and the distribution of each frequency has specific frequency spectrum (for example, 1.25mhz, 5mhz etc.).
Intersecting that subregion and frequency are distributed can be referred to as cdma channel.Bs270 can also be referred to as base station transceiver System (bts) or other equivalent terms.In this case, term " base station " can be used for broadly representing single Bsc275 and at least one bs270.Base station can also be referred to as " cellular station ".Or, each subregion of specific bs270 can be claimed For multiple cellular stations.
As shown in Figure 2, broadcast singal is sent to the mobile terminal of operation in system by broadcsting transmitter (bt) 295 100.Broadcasting reception module 111 is arranged at mobile terminal 1 00 to receive the broadcast being sent by bt295 as shown in Figure 1 Signal.In fig. 2 it is shown that several global positioning system (gps) satellites 300.Satellite 300 helps position multiple mobile terminals At least one of 100.
In fig. 2, depict multiple satellites 300, it is understood that be, it is possible to use any number of satellite obtains useful Location information.
As a typical operation of wireless communication system, bs270 receives the reverse link from various mobile terminal 1s 00 Signal.Mobile terminal 1 00 generally participates in call, information receiving and transmitting and other types of communication.Each of certain base station 270 reception is anti- Processed in specific bs270 to link signal.The data obtaining is forwarded to the bsc275 of correlation.Bsc provides call Resource allocation and the mobile management function of including the coordination of soft switching process between bs270.Bsc275 is also by the number receiving According to being routed to msc280, it provides the extra route service for forming interface with pstn290.Similarly, pstn290 with Msc280 forms interface, and msc and bsc275 form interface, and bsc275 correspondingly controls bs270 with by forward link signals It is sent to mobile terminal 1 00.
Based on above-mentioned mobile terminal hardware configuration and communication system, each embodiment of the inventive method is proposed.
Embodiment one
As shown in figure 3, in the present embodiment, a kind of payment mechanism, comprising:
Identifier acquisition module 10, for obtaining the identification information of mobile terminal;
Broadcast module 20, for generating corresponding payment order according to described identification information, and broadcasts described payment order;
Receiver module 30, for receiving the payment operation that mobile terminal is carried out according to described payment order.
In the present embodiment, it is possible to pass through broadcast mode, realize the mobile payment of small amount of medium and long distance.
In the present embodiment, by bluetooth low energy consumption technologies ble or periphery cognition technology nan broadcast described payment order.
Bluetooth low energy consumption (ble) technology is the robustness wireless technology of low cost, short distance, interoperable, is operated in and exempts from The 2.4ghz ism radio frequency band of license, bluetooth low energy consumption technologies adopt variable Connection Time interval, and this interval is according to concrete Application could be arranged to several milliseconds to several seconds, in addition, because ble technology is using very quick connected mode, therefore flat When may be at " disconnected " state (save energy), now, both link ends simply know other side each other, only when necessary Just open link, then in the time as short as possible again, close link, the mode of operation of ble technology is highly suitable for from miniature Other peripheral hardwares transmission data such as wireless senser (exchanging a secondary data in every half second) or the remote control using completely asynchronous communication, this The data volume considerably less (generally several byte) that a little equipment send, and transmission times also seldom (for example per second arrives every point several times Clock once, or even less).
Also by the way of information broadcast, it passes nan (the neighbor awareness networking) technology of wifi Defeated speed is fast, long transmission distance, and nan equipment passes through mutually to propagate between network, then forms the macroreticular of an information transfer, Carrying out that can be more extensively farther between information is transmitted, and its realization mechanism is similar with the ble mechanism of bluetooth, its enable farther faster Information transmission.
In the present embodiment, described payment mechanism is card reader, cashing machine, pos machine etc., can be read by nfc module The card number information of mass transit card, member card Gift Card or purchase card, thus obtain and the mobile terminal of described card number information binding Identification information;Default identification information in mobile terminal can also be obtained by scanning Quick Response Code, bar code, bluetooth or wifi, And mobile payment of small amount is carried out by coupling.
In the present embodiment, described payment mechanism can be not only used for the long-range rapid payment of direct small amount, can also use In temporary payments, in order to inconvenience when solving prepaid card Sorry, your ticket has not enough value.
In the present embodiment, when for temporary payments, payment mechanism also includes:
On-site payment module, for receiving the payment operation that prepaid card is executed by RF-wise, in the present embodiment, institute Stating prepaid card is mass transit card, member card, Gift Card or purchase card;
Data obtaining module, for obtaining prepayment card information, described prepaid card information includes balance amount information and prepaid card card Number;
Whether remaining sum pushing module, for judging the remaining sum of described prepaid card enough to described in executing according to described balance amount information Payment operation, if so, then executes described payment operation, and the balance amount information after payment is sent the shifting bound in advance to prepaid card Dynamic terminal, the described mobile terminal bound in advance can be known by described prepaid card card number;
Remote payment request module, for when Sorry, your ticket has not enough value to execute described payment operation for described prepaid card, then obtaining Take the identification information of the mobile terminal that prepaid card binds in advance.
As described in Figure 4, as a example when prepaid card is for mass transit card, explain in detail the workflow of payment mechanism, in this enforcement In example, it is related to mass transit card, the remote server of mass transit card card reader, the mobile terminal of user and public transport company.First, by public affairs Hand over card near mass transit card card reader, realize the reading of mass transit card;The information of mass transit card is extracted by mass transit card card reader, preserves To in specified file;Mass transit card information includes balance amount information and mass transit card card number information on card;Ble by bus card-reading device Or nan transceiver module, read the specified file of storage public transport card information, corresponding payment life is generated according to described public transport card information Then order of paying the bill is broadcasted by ble or nan technology, in this module, can carry out sentencing of a mass transit card remaining sum by order Disconnected, whether see mass transit card remaining sum enough to support this riding fee to use, when Sorry, your ticket has not enough value, in ble or nan broadcast, comprise one The address information of remote payment to customer mobile terminal, can be known by mass transit card card number information by described customer mobile terminal, Both bind together in advance;Ble the and nan transceiver module of customer mobile terminal, can compare mass transit card card number whether and The public transport card number coupling of oneself binding, if coupling, accepts broadcast data frame.The broadcast frame receiving is parsed, if not There is remote payment address, directly remaining sum on card is shown to user, operation completes.When there being remote payment address in broadcast frame, The upper remaining sum of display card, points out user's remote payment;When there being remote payment address in ble or nan broadcast frame, also it is equivalent to move Dynamic terminal receives payment order, initiates the long-range public transport amount of money by the remote payment module of customer mobile terminal and pays;Public transport is public The public transport payment transaction of the remote server accepted user mobile terminal of department;After paying success, the remote server of public transport company Can generate in check code generation module and pay successful check code;After customer mobile terminal pays success, the school of mobile terminal Test yard generation module and receive the check code that public transport company's remote server provides;Ble the or nan transceiver module of mobile terminal obtains Take the check code of check code receiver module;Check code is sent to bus card-reading device by ble the or nan transceiver module of mobile terminal Ble or nan transceiver module;Ble the or nan transceiver module of bus card-reading device by the identifying code receiving to payment verification module, when Checking ok, that is, complete once this time to swipe the card, and card reader prompting is swiped the card successfully.
In the present embodiment it is achieved that a kind of medium and long distance mass transit card balance reminding function, in the public transport feelings that Sorry, your ticket has not enough value Realize single fast remote under condition and pay public transport;Balance amount information is fed back on mobile phone by this programme, can play to a great extent Remind the function (the concern remaining sum because a lot of functions are all seldom swiped the card) of user.Additionally, when Sorry, your ticket has not enough value, realizing single Interim remote payment mass transit card, can greatly solve the embarrassment that user lacks change, greatly improve Consumer's Experience.
As another kind of embodiment, this programme applies also for other prepaid cards, such as member card, purchase card, Gift Card, beauty treatment Card, body-building card etc..
Embodiment two
As shown in figure 5, in the present embodiment, payment mechanism also includes:
On-site payment module 40, for receiving the payment operation that prepaid card is executed by RF-wise, in the present embodiment, Described prepaid card is mass transit card, member card, Gift Card or purchase card;
Data obtaining module 50, for obtaining prepayment card information, described prepaid card information includes balance amount information and prepaid card Card number;
Whether remaining sum pushing module 60, for judging the remaining sum of described prepaid card enough to execute institute according to described balance amount information State payment operation, if so, then execute described payment operation, and balance amount information after payment is sent bind in advance to prepaid card Mobile terminal, the described mobile terminal bound in advance can be known by described prepaid card card number;
Remote payment request module 70, for when described prepaid card Sorry, your ticket has not enough value with execute described payment operation when, then Obtain the identification information of the mobile terminal that prepaid card is bound in advance.
As a example when prepaid card is for mass transit card, explain in detail the workflow of payment mechanism, in the present embodiment, be related to Mass transit card, the remote server of mass transit card card reader, the mobile terminal of user and public transport company.First, by mass transit card near public Hand over card card reader, realize the reading of mass transit card;The information of mass transit card is extracted by mass transit card card reader, is saved in the literary composition specified In part;Mass transit card information includes balance amount information and mass transit card card number information on card;By ble the or nan transmitting-receiving of bus card-reading device Module, reads the specified file of storage public transport card information, generates corresponding payment order, Ran Houtong according to described public transport card information Cross ble or nan technology to be broadcasted order of paying the bill, the judgement of a mass transit card remaining sum in this module, can be carried out, see public transport Card remaining sum, whether enough to support this riding fee to use, when Sorry, your ticket has not enough value, comprises a remote payment in ble or nan broadcast Address information to customer mobile terminal, described customer mobile terminal can be known by mass transit card card number information, both are pre- First bind together;Ble the and nan transceiver module of customer mobile terminal, can compare whether mass transit card card number is bound with oneself Public transport card number coupling, if coupling; would accept broadcast data frame.The broadcast frame receiving is parsed, if there not being long-range Pay address, directly remaining sum on card is shown to user, operation completes.When there being remote payment address in broadcast frame, on display card Remaining sum, points out user's remote payment;When there being remote payment address in ble or nan broadcast frame, also it is equivalent to mobile terminal and connects Receive payment order, the long-range public transport amount of money is initiated by the remote payment module of customer mobile terminal and pays;Public transport company long-range The public transport payment transaction of server accepted user mobile terminal;After paying success, the remote server of public transport company can be in verification Generate in code generation module and pay successful check code;After customer mobile terminal pays success, the check code of mobile terminal generates Module receives the check code that public transport company's remote server provides;Ble the or nan transceiver module of mobile terminal obtains check code The check code of receiver module;Check code is sent to ble or nan of bus card-reading device by ble the or nan transceiver module of mobile terminal Transceiver module;Ble the or nan transceiver module of bus card-reading device by the identifying code receiving to payment verification module, as checking ok, that is, Complete once this time to swipe the card, card reader prompting is swiped the card successfully.
In the present embodiment it is achieved that a kind of medium and long distance mass transit card balance reminding function, in the public transport feelings that Sorry, your ticket has not enough value Realize single fast remote under condition and pay public transport;Balance amount information is fed back on mobile phone by this programme, can play to a great extent Remind the function (the concern remaining sum because a lot of functions are all seldom swiped the card) of user.Additionally, when Sorry, your ticket has not enough value, realizing single Interim remote payment mass transit card, can greatly solve the embarrassment that user lacks change, greatly improve Consumer's Experience.
Embodiment three
As shown in fig. 6, in the present embodiment, described broadcast module 20 includes:
Signal generating unit 21, for generating corresponding payment order according to described identification information, described payment order includes remote Cheng Zhifu address;
Radio unit 22, for by bluetooth low energy consumption technologies ble or periphery cognition technology nan broadcast described payment life Order.
In the present embodiment, the realization mechanism of periphery cognition technology nan is similar with the ble mechanism of bluetooth, can realize more Far faster information transmission.
Example IV
As shown in fig. 7, in the present embodiment, a kind of method of mobile payment, is applied to payment mechanism, comprising:
S10, the identification information of acquisition mobile terminal;
S20, according to described identification information generate corresponding payment order, and broadcast described payment order;
The payment operation that s30, reception mobile terminal are carried out according to described payment order.
In the present embodiment, it is possible to pass through broadcast mode, realize the mobile payment of small amount of medium and long distance.
In the present embodiment, by bluetooth low energy consumption technologies ble or periphery cognition technology nan broadcast described payment order.
Bluetooth low energy consumption (ble) technology is the robustness wireless technology of low cost, short distance, interoperable, is operated in and exempts from The 2.4ghz ism radio frequency band of license, bluetooth low energy consumption technologies adopt variable Connection Time interval, and this interval is according to concrete Application could be arranged to several milliseconds to several seconds, in addition, because ble technology is using very quick connected mode, therefore flat When may be at " disconnected " state (save energy), now, both link ends simply know other side each other, only when necessary Just open link, then in the time as short as possible again, close link, the mode of operation of ble technology is highly suitable for from miniature Other peripheral hardwares transmission data such as wireless senser (exchanging a secondary data in every half second) or the remote control using completely asynchronous communication, this The data volume considerably less (generally several byte) that a little equipment send, and transmission times also seldom (for example per second arrives every point several times Clock once, or even less).
Also by the way of information broadcast, it passes nan (the neighbor awareness networking) technology of wifi Defeated speed is fast, long transmission distance, and nan equipment passes through mutually to propagate between network, then forms the macroreticular of an information transfer, Carrying out that can be more extensively farther between information is transmitted, and its realization mechanism is similar with the ble mechanism of bluetooth, its enable farther faster Information transmission.
In the present embodiment, described payment mechanism is card reader, cashing machine, pos machine etc., can be read by nfc module The card number information of mass transit card, member card Gift Card or purchase card, thus obtain and the mobile terminal of described card number information binding Identification information;Default identification information in mobile terminal can also be obtained by scanning Quick Response Code, bar code, bluetooth or wifi, And mobile payment of small amount is carried out by coupling.
In the present embodiment, described payment mechanism can be not only used for the long-range rapid payment of direct small amount, can also use In temporary payments, in order to inconvenience when solving prepaid card Sorry, your ticket has not enough value.
In the present embodiment, when for temporary payments, also include before step s10:
Payment operation is executed to payment mechanism by prepaid card;Payment mechanism obtains prepayment card information, described prepaid card letter Breath includes balance amount information and prepaid card card number;Judge the remaining sum of described prepaid card whether enough to execute institute according to described balance amount information State payment operation, if so, then execute described payment operation, and balance amount information after payment is sent bind in advance to prepaid card Mobile terminal;If Sorry, your ticket has not enough value for described prepaid card to execute described payment operation, enter step s10.
As a example when prepaid card is for mass transit card, explain in detail the workflow of payment mechanism, in the present embodiment, be related to Mass transit card, the remote server of mass transit card card reader, the mobile terminal of user and public transport company.First, by mass transit card near public Hand over card card reader, realize the reading of mass transit card;The information of mass transit card is extracted by mass transit card card reader, is saved in the literary composition specified In part;Mass transit card information includes balance amount information and mass transit card card number information on card;By ble the or nan transmitting-receiving of bus card-reading device Module, reads the specified file of storage public transport card information, generates corresponding payment order, Ran Houtong according to described public transport card information Cross ble or nan technology to be broadcasted order of paying the bill, the judgement of a mass transit card remaining sum in this module, can be carried out, see public transport Card remaining sum, whether enough to support this riding fee to use, when Sorry, your ticket has not enough value, comprises a remote payment in ble or nan broadcast Address information to customer mobile terminal, described customer mobile terminal can be known by mass transit card card number information, both are pre- First bind together;Ble the and nan transceiver module of customer mobile terminal, can compare whether mass transit card card number is bound with oneself Public transport card number coupling, if coupling; would accept broadcast data frame.The broadcast frame receiving is parsed, if there not being long-range Pay address, directly remaining sum on card is shown to user, operation completes.When there being remote payment address in broadcast frame, on display card Remaining sum, points out user's remote payment;When there being remote payment address in ble or nan broadcast frame, also it is equivalent to mobile terminal and connects Receive payment order, the long-range public transport amount of money is initiated by the remote payment module of customer mobile terminal and pays;Public transport company long-range The public transport payment transaction of server accepted user mobile terminal;After paying success, the remote server of public transport company can be in verification Generate in code generation module and pay successful check code;After customer mobile terminal pays success, the check code of mobile terminal generates Module receives the check code that public transport company's remote server provides;Ble the or nan transceiver module of mobile terminal obtains check code The check code of receiver module;Check code is sent to ble or nan of bus card-reading device by ble the or nan transceiver module of mobile terminal Transceiver module;Ble the or nan transceiver module of bus card-reading device by the identifying code receiving to payment verification module, as checking ok, that is, Complete once this time to swipe the card, card reader prompting is swiped the card successfully.
In the present embodiment it is achieved that a kind of medium and long distance mass transit card balance reminding function, in the public transport feelings that Sorry, your ticket has not enough value Realize single fast remote under condition and pay public transport;Balance amount information is fed back on mobile phone by this programme, can play to a great extent Remind the function (the concern remaining sum because a lot of functions are all seldom swiped the card) of user.Additionally, when Sorry, your ticket has not enough value, realizing single Interim remote payment mass transit card, can greatly solve the embarrassment that user lacks change, greatly improve Consumer's Experience.
Embodiment five
As shown in figure 8, in the present embodiment, include before described step s10:
S01, by prepaid card to payment mechanism execute payment operation;
S02, acquisition prepayment card information, described prepaid card information includes balance amount information and prepaid card card number;
S03, judge the remaining sum of described prepaid card according to described balance amount information whether enough to execute described payment operation, if It is, then s04, the described payment operation of execution, and the balance amount information after payment is sent the mobile terminal bound in advance to prepaid card;
If Sorry, your ticket has not enough value for described prepaid card to execute described payment operation, enter step s10, obtained by payment mechanism Take the identification information of the mobile terminal that prepaid card binds in advance.
In the present embodiment, as a example when prepaid card is for mass transit card, explain in detail the workflow of payment mechanism, in this reality Apply in example, be related to mass transit card, the remote server of mass transit card card reader, the mobile terminal of user and public transport company.First, will Mass transit card, near mass transit card card reader, realizes the reading of mass transit card;The information of mass transit card is extracted by mass transit card card reader, protects It is stored in the file specified;Mass transit card information includes balance amount information and mass transit card card number information on card;By bus card-reading device Ble or nan transceiver module, reads the specified file of storage public transport card information, generates corresponding pair according to described public transport card information Then order of paying the bill is broadcasted by ble or nan technology, in this module, can carry out a mass transit card remaining sum by money order Judgement, see mass transit card remaining sum whether enough to support this riding fee to use, when Sorry, your ticket has not enough value, ble or nan comprises in broadcasting To customer mobile terminal, described customer mobile terminal can be obtained the address information of one remote payment by mass transit card card number information Know, both bind together in advance;Whether ble the and nan transceiver module of customer mobile terminal, can compare mass transit card card number With the public transport card number coupling of oneself binding, if coupling, accept broadcast data frame.The broadcast frame receiving is parsed, if There is not remote payment address, directly remaining sum on card is shown to user, operation completes.When there being remote payment address in broadcast frame When, the upper remaining sum of display card, point out user's remote payment;When there being remote payment address in ble or nan broadcast frame, also just quite Receive payment order in mobile terminal, the long-range public transport amount of money is initiated by the remote payment module of customer mobile terminal and pays;Public Hand over to the collective or the state department remote server accepted user mobile terminal public transport payment transaction;After paying success, the long-range clothes of public transport company Business device can generate the successful check code of payment in check code generation module;After customer mobile terminal pays success, mobile terminal Check code generation module receive the check code that public transport company remote server provides;Ble the or nan transmitting-receiving mould of mobile terminal Block obtains the check code of check code receiver module;Check code is sent to bus card-reading by ble the or nan transceiver module of mobile terminal Ble the or nan transceiver module of device;Ble the or nan transceiver module of bus card-reading device is by the identifying code receiving to payment verification mould Block, as checking ok, that is, completes once this time to swipe the card, and card reader prompting is swiped the card successfully.
In the present embodiment it is achieved that a kind of medium and long distance mass transit card balance reminding function, in the public transport feelings that Sorry, your ticket has not enough value Realize single fast remote under condition and pay public transport;Balance amount information is fed back on mobile phone by this programme, can play to a great extent Remind the function (the concern remaining sum because a lot of functions are all seldom swiped the card) of user.Additionally, when Sorry, your ticket has not enough value, realizing single Interim remote payment mass transit card, can greatly solve the embarrassment that user lacks change, greatly improve Consumer's Experience.
Embodiment six
As shown in figure 9, in the present embodiment, a kind of method of mobile payment, is applied to mobile terminal, including
The payment order that s40, reception payment mechanism are sent;
S50, judge described payment order in corresponding identification information whether mate with described mobile terminal, if so, then S60, according to described payment order paid, otherwise, s70, refusal to pay.
In the present embodiment, corresponding to example IV, mobile terminal is also equipped with bluetooth module or wifi nan module, leads to Cross bluetooth low energy consumption technologies ble or periphery cognition technology nan receives the payment order that payment mechanism broadcasts out.
Bluetooth low energy consumption (ble) technology is the robustness wireless technology of low cost, short distance, interoperable, is operated in and exempts from The 2.4ghz ism radio frequency band of license, bluetooth low energy consumption technologies adopt variable Connection Time interval, and this interval is according to concrete Application could be arranged to several milliseconds to several seconds, in addition, because ble technology is using very quick connected mode, therefore flat When may be at " disconnected " state (save energy), now, both link ends simply know other side each other, only when necessary Just open link, then in the time as short as possible again, close link, the mode of operation of ble technology is highly suitable for from miniature Other peripheral hardwares transmission data such as wireless senser (exchanging a secondary data in every half second) or the remote control using completely asynchronous communication, this The data volume considerably less (generally several byte) that a little equipment send, and transmission times also seldom (for example per second arrives every point several times Clock once, or even less).
Also by the way of information broadcast, it passes nan (the neighbor awareness networking) technology of wifi Defeated speed is fast, long transmission distance, and nan equipment passes through mutually to propagate between network, then forms the macroreticular of an information transfer, Carrying out that can be more extensively farther between information is transmitted, and its realization mechanism is similar with the ble mechanism of bluetooth, its enable farther faster Information transmission.
In the present embodiment, match with described payment mechanism, it is remotely fast that this method can be not only used for direct small amount Speed pays, and can be also used for temporary payments, in order to inconvenience when solving prepaid card Sorry, your ticket has not enough value.
Embodiment seven
As shown in Figure 10, in the present embodiment, a kind of mobile terminal, except including the existing capability module in Fig. 1, also wraps Include:
Detecting module 80, for detecting and parsing the broadcast message of payment mechanism transmission, obtains in described broadcast message Payment order;
Payment module 90, when mating with described mobile terminal for corresponding identification information in ordering when described payment, root Paid according to described payment order, broadcast mode can be passed through, realize the mobile payment of small amount of medium and long distance.
Embodiment eight
As shown in figure 11, in the present embodiment, a kind of method of payment, is applied to mobile terminal, comprising:
S80, detect and parse payment mechanism transmission broadcast message, obtain described broadcast message in payment order;
If in s90 described payment order, corresponding identification information is mated with described mobile terminal, according to described payment life Order is paid.
In the present embodiment, matched with payment mechanism by mobile terminal, this method can be not only used for directly little The long-range rapid payment of volume, can be also used for temporary payments, in order to inconvenience when solving prepaid card Sorry, your ticket has not enough value.
It should be noted that herein, term " inclusion ", "comprising" or its any other variant are intended to non-row The comprising of his property, so that including a series of process of key elements, method, article or device not only include those key elements, and And also include other key elements of being not expressly set out, or also include intrinsic for this process, method, article or device institute Key element.In the absence of more restrictions, the key element being limited by sentence "including a ..." is it is not excluded that including being somebody's turn to do Also there is other identical element in the process of key element, method, article or device.
The embodiments of the present invention are for illustration only, do not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side Method can be realized by the mode of software plus necessary general hardware platform naturally it is also possible to pass through hardware, but in many cases The former is more preferably embodiment.Based on such understanding, technical scheme is substantially done to prior art in other words Go out partly can embodying in the form of software product of contribution, this computer software product is stored in a storage medium In (as rom/ram, magnetic disc, CD), including some instructions with so that a station terminal equipment (can be mobile phone, computer, clothes Business device, air-conditioner, or network equipment etc.) method described in execution each embodiment of the present invention.
These are only the preferred embodiments of the present invention, not thereby limit the present invention the scope of the claims, every using this Equivalent structure or equivalent flow conversion that bright description and accompanying drawing content are made, or directly or indirectly it is used in other related skills Art field, is included within the scope of the present invention.

Claims (10)

1. a kind of payment mechanism is it is characterised in that include:
Identifier acquisition module, for obtaining the identification information of mobile terminal;
Broadcast module, for generating corresponding payment order according to described identification information, and broadcasts described payment order;
Receiver module, for receiving the payment operation that mobile terminal is carried out according to described payment order.
2. a kind of payment mechanism according to claim 1 is it is characterised in that also include:
On-site payment module, for receiving the payment operation that prepaid card is executed by RF-wise;
Data obtaining module, for obtaining prepayment card information, described prepaid card information includes balance amount information and prepaid card card number;
Whether remaining sum pushing module, for judging the remaining sum of described prepaid card enough to execute described payment according to described balance amount information Operation, if so, then executes described payment operation, and the balance amount information after payment is sent the mobile end bound in advance to prepaid card End;
Remote payment request module, for when Sorry, your ticket has not enough value to execute described payment operation for described prepaid card, then obtaining pre- Pay the identification information of the mobile terminal that card is bound in advance.
3. a kind of payment mechanism according to claim 1 it is characterised in that described identifier acquisition module particularly as follows:
Obtain the identification information of mobile terminal by nfc, scanning Quick Response Code, bar code, bluetooth or wifi.
4. a kind of payment mechanism according to any one of claim 1-3 is it is characterised in that described broadcast module includes:
Signal generating unit, for generating corresponding payment order according to described identification information, described payment order includes remote payment Address;
Radio unit, for by bluetooth low energy consumption technologies ble or periphery cognition technology nan broadcast described payment order.
5. a kind of method of payment, is applied to payment mechanism it is characterised in that including:
Obtain the identification information of mobile terminal;
Corresponding payment order is generated according to described identification information, and broadcasts described payment order;
Receive the payment operation that mobile terminal is carried out according to described payment order.
6. a kind of method of payment according to claim 5 it is characterised in that described acquisition mobile terminal identification information it Front inclusion:
Payment operation is executed to payment mechanism by prepaid card;
Payment mechanism obtains prepayment card information, and described prepaid card information includes balance amount information and prepaid card card number;
Judge that the remaining sum of described prepaid card, whether enough to execute described payment operation, if so, then executes according to described balance amount information Described payment operation, and the balance amount information after payment is sent the mobile terminal bound in advance to prepaid card;
If Sorry, your ticket has not enough value for described prepaid card to execute described payment operation, obtain the mobile terminal that prepaid card is bound in advance Identification information.
7. a kind of method of payment according to claim 5 is it is characterised in that the identification information of described acquisition mobile terminal has Body is:
Obtain the identification information of mobile terminal by nfc, scanning Quick Response Code, bar code, bluetooth or wifi.
8. a kind of method of payment according to any one of claim 5-7 it is characterised in that described according to described identification information Generate corresponding payment order, and broadcast described payment order and include:
Corresponding payment order is generated according to described identification information, described payment order includes remote payment address;
By bluetooth low energy consumption technologies ble or periphery cognition technology nan broadcast described payment order.
9. a kind of mobile terminal is it is characterised in that include:
Detecting module, for detecting and parsing the broadcast message of payment mechanism transmission, obtains the payment life in described broadcast message Order;
Payment module, for when in described payment order, corresponding identification information is mated with described mobile terminal, according to described Payment order is paid.
10. a kind of method of payment, is applied to mobile terminal it is characterised in that including:
Detect and parse the broadcast message of payment mechanism transmission, obtain the payment order in described broadcast message;
If corresponding identification information is mated with described mobile terminal in described payment order, carry out propping up according to described payment order Pay.
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